23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> I applied for a credit card with Citi bank with the sole intention of using it to balance transfer from XXXXXXXX XXXX. The amount I needed on my credit limit was at least {$12000.00} - otherwise I wouldn't bother taking out the loan. 

Citi provided the information on everything EXCEPT the credit limit, that information was only provided once I'd accepted the terms- they offered me {$1500.00}. If I had known that was the limit, I never would have accepted the loan. This information was deliberately withheld and I believe that's a clear violation of the TILA. 

When I asked for the credit limit to be increased, they said that was the maximum allowed. When I told them to void the account and the credit pull, they avoided giving me any information, wouldn't clarify whether or not my credit pull would be wiped, they would NOT comment on their application process, nor would they take my complaint- they said to submit it on their website.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are reporting me as such.
Product: Credit card or prepaid card

I closed my State Farm credit card account and they charged me the interest of {$42.00} after I made a payment for the full balance of the account. I called them about this fee and they said they would reverse it with 7-10 business days and it has been a couple of months and they charged me additional fees which now totals {$220.00}. They also reported my past due to the credit reporting agencies. This is absolutely unacceptable. When I call customer service, they stated would take of care it and it's still not corrected.
Product: Debt collection

In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as XXXX XXXX ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XX/XX/XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that XXXX XXXX has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated. 

Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books. 

I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information. 

XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union closed my credit card account XXXX of 2022 and continuously misreported on my credit score. I Usually run my credit reports at the end of the year but this year ran it early XXXX so I wouldn't have found out they closed it. On my banking app it shows the card still there, shows the balance left and the credit limit but is not being translated to my credit score.

When I pulled my report this year I looked at my account and it was marked as closed and not a single payment has been reported. The only reported item is the balance owed and not the credit limit. I did not close this account and this account has been in good standing the 7 years I've had the card.

When I called NFCU they told me that their system chooses accounts that have little to no use on it and they close it. With the system doing this it no longer reports my accurate credit card limit but reports the balance of the credit card. This has had my credit usage on my credit report up and over 150 % for over a year! 

They told me that there is nothing they can do even though they are falsely reporting my credit. Since the call my credit has reported a XXXX pt drop and I feel as if the institution is falsely reporting more information. 

I've paid off over XXXX in debt in the last two years trying to rebuild credit and my credit score has trickled upwards. NFCU falsely reporting my credit limit has negatively affected my credit rebuild for over a year now and it's not right, it's not ethical. Why does their system get to pick and choose and XXXX over consumers. 

Once all of my debt is paid off through this institution I am no longer going to bank with them. When it comes to working with customer about the banks mistakes the take home last place.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings suggest that Zelle has not only neglected to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days they keep telling me to wait 180 days but I dont have that kind of time but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Debt collection

Mariner Finance LLC filed suit against me on XX/XX/XXXX for a collection debt I owed. 

Collection debt owed and requested in lawsuit was XXXX. 

Default judgment was entered XX/XX/XXXX. 

Garnishment motion was filed at 25 % of my disposable income. This order was granted XX/XX/XXXX with the awarded amount equaling XXXX XXXX garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Last garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Total wages garnished by Mariner Finance LLC for calendar year XXXX as documented on employer paystub equals XXXX. 

Outstanding fees still being reported by Mariner Finance LLC on all 3 of my credit reports in the amount of XXXX. 

XXXX paid by me, directly, to Mariner Finance LLC on XX/XX/XXXX. 

All 3 credit report updated with information received by Mariner Finance LLC on XX/XX/XXXX stating Mariner Finance has reported positive activity : Account Paid Total paid to Mariner Finance LLC equals XXXX. 

MOTION FOR PROCEEDINGS SUPPLEMENTAL AND ISSUANCE OF INTERROGATORIES Filed by Mariner Finance LLC on XX/XX/XXXX seeking payment amount in the form of garnished wages by employer in the amount of XXXX. 

NOTICE OF GARNISHMENT SUMMONS - ORDER TO ANSWER INTERROGATORIES, NOTICE OF HEARING AND INTERROGATORIES filed by by Mariner Finance LLC on XX/XX/XXXX seeking additional unknown/undisclosed origination amount of XXXX. 

ORDER TO APPEAR TELEPHONICALLY TO INDIVIDUAL JUDGMENT DEFENDANT Filed by Mariner Finance LLC filed XX/XX/XXXX. 



As you can see by the time line stated above, this case was decided in XXXX of XXXX and wages were garnished as dictated by court ordered default judgement. Garnished wages in the amount of XXXX were paid to Mariner Finance LLC. Balance listed on all 3 credit reports in the amount of XXXX was paid by personal debit card directly to Mariner Finance LLC before additional lawsuit was filed. Mariner Finance LLC reported to all 3 credit bureaus that my originally opened, and only account opened with Mariner Finance LLC was paid in full on XX/XX/XXXX. Mariner finance LLCs legal team is still, as of XX/XX/XXXX, sending harassing correspondence by mail requesting additional unsubstantiated funds and remedies that have already been paid decided and reported as paid in full. Company is suspected of retaliating against disputed items on credit report that were filed by me on XX/XX/XXXX.
Product: Checking or savings account

I received a physical piece of mail XX/XX/23 from BMO bank. It was an account statement summary for unknown to me " BMO XXXX XXXX Checking account ''. There is no BMO bank location in my state and I've never seen, or used their services. I have no idea how the account was opened or how long it has existed. Their fraud department told me they would begin process closing of the account. Requested I submit a fraud report to back up their claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Dear Sir/Madam, I am writing to file a formal complaint regarding unexpected and substantial interest charges applied to my CareCredit account, managed by Synchrony Bank XXXX These charges were not clearly disclosed to me at the time of enrollment or sufficiently explained in subsequent communications. 


Account Number : XXXX Interest Charges Incurred : Date : XX/XX/XXXX Amount : {$400.00} Date : XX/XX/XXXX Amount : {$310.00} Despite being under the impression that I was utilizing an interest-free line of credit for healthcare expenses, I was charged significant interest rates on the dates mentioned above. I believe these charges were levied under deferred-interest terms, which were not made clear to me at any point during my application process or credit management. 

CFPB vs. GE Capital Retail Bank ( now Synchrony Bank ), XX/XX/XXXX : The CFPB ordered the bank to refund {$34.00} XXXX to over XXXX XXXX consumers for similar deceptive practices. Consumers, like myself, were not properly informed about the " deferred-interest '' conditions attached to their accounts, leading to unexpected charges after promotional periods ended. 
This precedent highlights the responsibility of credit providers like Synchrony Bank to ensure transparent, clear, and comprehensible communication regarding the terms of their credit agreements. The failure to do so not only misleads consumers but also violates the principles of fair credit billing and advertising as stipulated by the Truth in Lending Act ( TILA ) and enforced by the XXXX XXXX XXXX Reform and Consumer Protection Act. 

Full Review and Audit of my CareCredit account to assess the appropriateness of interest charges applied. 
Immediate Reversal and refund of the interest charges mentioned, totaling {$720.00}, if found to be inconsistent with fair lending practices. 
Enhancement of Disclosure Practices by CareCredit to prevent future occurrences to other consumers. 
Please find attached copies of my statements, which support my claim. I trust that the CFPB will address this issue promptly and uphold the rights of consumers to fair and transparent credit practices. 

Thank you for your attention to this urgent matter. I look forward to your swift response and resolution.
Product: Mortgage

Carrington Mortgages Services, LLC Account number : XXXX Property Address : XXXX XXXX XXXX, FL XXXX Carrington was servicing our mortgage at the time of closing The closing was handled by : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Office Phone # XXXX ( Contact XXXX XXXX XXXX XXXX ) Prior to the closing, which was scheduled for XX/XX/XXXX, XXXX XXXX requested a payoff quote from Carrington , Which was received and indicated {$260000.00} with a good through date of XX/XX/XXXX which allowed for the upcoming XXXX  day weekend, just in case the closing didnt occur in time for funds transfer on XX/XX/XXXX. The quote also directed the title company to call before the closing to verify the amount, this was done on XX/XX/XXXX, at which time the payoff amount was confirmed and the closing occurred as scheduled, completed by XXXX XXXX. on the XXXX finishing too late for a wire transfer, to Carrington that day ( Cut off is XXXX XXXX for wire transfers ), so the transfer was completed XXXX soon as possible after the holiday The wire was sent the morning of the XXXX, and was in Carringtons account at XXXX pacific time on the XXXX. For an unknown reason, Carrington did not attempt to apply the payment to my account until after their cuttoff time ; at XXXX pacific ( XXXX XXXX Eastern ) on the XXXX, a day and a half after receiving the funds, which is when they generated a new payoff quote and called us and said it was short {$1500.00} in legal fees. We not only paid the proper amount at closing verified as good through the XXXXtTHE AMOUNT WAS VERIFIED BY CARRINGTON THE DAY PRIOR TO CLOSING AND SUBMITTED WITHIN THE SPECFIED TIME FRAME. 
The title company contacted Carrington and they refused to negotiate ; saying that they were returning the original payment and generating a new one with all the additional fees that the claimed were due, since all funds had already been disbursed, there was no additional funds left to make up the difference, and since Carrington was unwilling to discuss or negotiate, the title company covered the difference as a courtesy to their client. I believe Carrington Knew that fighting this in court would cost us more than the extra fees they were claiming, and we are seeking the return of the extra fees.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a traveling XXXX XXXX  working COVID-19 and have been for a year. XXXX XXXX closed my account in XXXX of 2020 without notice. I was never notified, I called multiple times requesting to speak with a supervisor. I never received notification through the application on my phone. So I'm confused as to how they reported me 30 days late. Especially when I have autopsy setup. I have an email from a supervisor admitting they the close my account. At the time of closure my account wasn't past due. Matter of fact XXXX  owes me money in which I have yet receive. There hasn't been proper follow-up on this matter. I'm grossly upset regarding how they handled this situation. They have been very non chalant and down right rude at times. I was even told to open a new account. But the closed one was never properly handled or addressed. Communication is terrible.
Product: Credit card or prepaid card

I had fraud charges filed on 4 credit cards with Capital One credit card company. 
All of this problem started in XX/XX/XXXX I complained about charges on my cards and Capital One sent the information to their fraud Dept. The fraud department suggested that they change my card numbers and they sent me 4 new cards. When I got the new cards there was charges on the new cards that was not mine. I now have about 35 new cards that Capital One sent to me during this period of time with emblems on the card to go to Capital One.com/activate, which I would not do, because when I received the cards there were charges on the card that were not mine. I have not used any of these cards since XX/XX/XXXX. On one card Capital One owed me money and they sent me a check for that amount and at that time I requested Capital One to close all my accounts, which they did, as I assumed that this would be the only way to stop charges on the accounts and it did work. One time I asked Capital One how could people charge on my cards and they said XXXX XXXX would let them charge and Capital One said they had no control over XXXX XXXX, because Capital One had an agreement with XXXX XXXX and they were responsible. 

I have been trying to clear up this matter with Capital One since XXXX and they sent me letters saying I would not be responsible for the fraud charges and I would not have to pay for this problem, which they have honored up until now. They have on my credit reports that I was late in XX/XX/XXXX, which I did not know they were settled. When I found out I started making minimum payments on three account to keep these charges from showing up on my credit report. 

Capital One has said they are going to fix information on my credit reports, but it will take 60 to 90 days to have the information recorded in the reports. 

I have an application for a VA loan on a home that the Bank said unless I get this information cleared up they are going to have to cancel my loan and turn the application down for credit problems.
Product: Checking or savings account

I keep contacting Chase about my Checking account and spoke to about 35 different Chase employees all contradicting one another. Chase employees have blamed me for actions that took place on the Chase online banking platform. I have clearly been a victim of identity theft. Chase also has made insinuations that maybe my boyfriend or family member has done this to me. On top of all the fraud on my credit and checking account. Chase has the nerve to send countless letters to my home that further contradict what I've either have been told via phone. I don't have online banking so I can onky go by what Chase employees inform me of. I'm putting this complaint just for not being treated respectfully or fairly. I just want answers and I can't seem to get a clear answer regarding when my {$3700.00} will be returned to be that has been stolen from my checking account via Chase online banking, just the trouble I've dealt with from Chase employees deems reason enough to get my money returned not to mention it was Chase online banking platform where the stealing happened. This is identity theft as well as a financial crime because someone besides me accessed my account and stole {$3700.00} of my money.
Product: Mortgage

My Homestead property is currently set for a Foreclosure Sale on XX/XX/XXXX, in XXXX XXXX, Florida, Case No. XXXX, Nationstar Mortgage v. XXXX XXXX.

From XX/XX/XXXX through XX/XX/XXXX, I have been overcharged by XXXX XXXX and XXXX XXXX approximately {$79000.00} in Forced Placed Insurance. I was not aware of this until XX/XX/XXXX when my recently hired attorney went through all the charges by XXXX XXXX and XXXX XXXX. I was not represented by counsel during the Foreclosure filing. A standard insurance charge for my house would be about {$3000.00} a year. I was charged by XXXX XXXX and XXXX over {$12000.00} a year for insurance ( 4 times what should have been charged ). I have all the charges to support these fraudulent overcharges.

Last week I was approved by the Florida Housing Authority via XXXX for {$50000.00} in Mortgage assistance to Reinstate my Mortgage. However, XXXX XXXX ( the servicer for Nationstar ), claims I owe {$82000.00} plus to Reinstate and even if the Florida Housing Authority pays {$50000.00}, XXXX XXXX wants an additional {$32000.00} to Reinstate.

I have been overcharged {$79000.00} by XXXX XXXX. I have researched this issue and there are many Class Action lawsuits about Forced Placed Insurance fraud, and Nationstar is one of those companies involved in this fraud.

I would like Nationstar/XXXX XXXX to waive any amounts alleged owed over the {$50000.00} that the Florida Housing Authority is willing to pay XXXX XXXX. If not, I will be forced to turn this over to the State and US Attorney for their review of this fraudulent activity by XXXX XXXX and Nationstar.