23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a first mortgage with SLS that was originally from XXXX XXXX but sold off. I entered into forbearance during the pandemic. Around the end of the forbearance period, SLS sent me paperwork that my wife and I needed to fill out in order to determine the payback method. I wanted to defer the payments to the back of the loan, but after reviewing my paperwork, SLS determined that I needed to pay back a lump sum. After a challenge to that decision, SLS again informed me that a lump sum payment was required. 

So in order to not be late on my mortgage, I paid the lump sum payment. However, after I made the lump sum payment, SLS marked my XX/XX/2020 payment as over 90 days late. 

CREDIT SCORES WERE NOT TO BE NEGATIVELY IMPACTED FOR MORTGAGES DUING COVID AS PER THE CARES ACT. 

We were not 90 days late on our mortgage payement, we were in forbearance. After multiple emails and phone calls, SLS has still not recognized this or made any adjustments to my credit report, which is now negatively affecting my ability to obtain credit in the future. 

They also have a very poor customer service that responds to all messages but never with anything definitive that makes a bad situation even worse. We are both senior citizens and we are grossly being taken advantage of by this company who has no concern for their customers other than to simply collect payments.
Product: Checking or savings account

Wells Fargo charged me 4 overdraft fees of {$35.00} during the past 30 days, one for a {$20.00} item. The fees are excessive and not related to Wells ' costs.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these inquires do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citibank guaranteed an annual fee refund when I downgraded my Citi ThankYou Premier card ( which carries a {$95.00} annual fee ) to a Citi ThankYou preferred card ( which carries no annual fee ). Despite several attempts to contact, and request my refund, they refuse to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXXXXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards XXXX TransUnion XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by XXXX XXXX ( TransUnion ), XXXX due to inactivity ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. 

I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me
Product: Debt collection

On XX/XX/2018, I sent a dispute letter to Equifax disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Equifax is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. Equifax had ( 30 ) days to validate this information, and they have failed to do that. Also, during the dispute phase, Equifax failed to put that these accounts were being disputed. They attached a statement for the XXXX & XXXX ( 30 ) days later. The XXXX XXXX account was never listed as being disputed. 

I also went as far providing proof, and I sent documents to Equifax in my dispute that I am a victim of Identity Theft, and Equifax failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card

I am a victim of identity theft and I was affected by the national declared disaster
Product: Vehicle loan or lease

I recently traded in my leased XXXX XXXX XXXX early in exchange for a new XXXX XXXX XXXX vehicle for lease. About 1 month after returning the XXXX vehicle, I received an invoice for the amount of {$100.00} for " excessive wear and tear '' for a scratched rim. I contacted Volvo Car Financial Services explaining that I had purchased the premium tire and rim protection plan for this vehicle so that warranty would pay the amount for the rim scratch. I did state that they had no proof of my doing this damage to the car as I turned it in to the dealership upon taking ownership of my new vehicle. Volvo Car Financial Services said to please fax them a copy of the policy, which I did, and they are stating that this warranty does not cover " excessive wear and tear. '' I explained that they should not code this as " excessive wear and tear '' but as a scratched rim. They would not waive the fee, and as a valuable three-time leasee, I feel their customer service is abhorrent and unprofessional. The representative said, after calling me Ma'am several times when I corrected him to say it was " Sir, '' they would turn me into a collection 's agency, and I stated I would contact the XXXX XXXX XXXX XXXX AL as well as the three major credit bureau agencies and state that the car is now out of my possession and am in a new vehicle, responsible for the new vehicle, not the old vehicle. After the XXXX  contacted Volvo Car Financial, Volvo stated they would reduce the amount to {$84.00}. This is unacceptable and completely unnecessary to treat a loyal customer this way. The warranty was paid for and if there is a scratch, the warranty I paid for will cover it.
Product: Debt collection

I sent, as directed by IC Systems and XXXX XXXX, a dispute of debt with XXXX XXXX XXXX I included a copy of an email sending all of the equipment back to XXXX XXXX over 11 months ago. I included pictures of the equipment, and I included the actual date of return of the equipment. 

I didn't get a reply to the notification as I sent it and sent another notification to the XXXX and IC Systems via US Mail, Registered receipt. 

I sent the first notice on XX/XX/23 and the second notice after I learned IC System put a derogatory remark on my credit report. 

XXXX XXXX XXXX NOR IC Syste has validated the debt, gave an alist of charges owed and how allegedly incurred the actual contract, and other pertinent data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove the following inquires on several occasions with no success. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
Product: Credit card

RE : XXXX To whom it may concern, On XX/XX/year>, a cash register was purchased online from XXXX XXXX XXXX in XXXX, Florida. The item was received on XX/XX/year>. When the cash register was set up to be used, the keys on the register would not work and the battery backup compartment was all rusty. 

Contact with the company, XXXX XXXX XXXX, was attempted on XX/XX/XXXX at XXXXXXXX XXXX XXXX A message was left at this time. Another call was made to the office on XX/XX/XXXX at XXXX XXXX  XXXX. At this time, it was explained to the vendor about issues with the register not working and the rusty battery compartment. An request was made to get a return form so that the item could be sent back but the vendor laughed and hung up the phone. 
I made a final attempt to rectify the situation on XX/XX/XXXX at XXXXXXXX XXXX XXXX requesting that return paperwork be provided. They again hung up on me. The broken item is still in my possession as this vendor would not provide any way for us to return it. 

As a result of the above interactions, I then filed a complaint with VISA and have just now received a letter on XX/XX/XXXX stating that the case was closed because the seller sent a document only stating the item was delivered. The dispute is not about the delivery but about the item not working and being rusty. We should not be held responsible to pay {$680.00} for an item that is non-functional. 

Please see below a picture of the register we expected to receive ( XXXX XXXX ). Following that are pictures ( page XXXX ) of the register we received. 

despite the evidence provided to Citi credit card, they refused to take action against the XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

1- I'm XXXX, I financed a used vehicle worth {$7000.00} with a {$2000.00} down payment and they financed a value of more than {$11000.00} contract in English where I didn't understand anything they placed insurance without informing me vehicle with problems where I had to fix them out of my pocket and there are still problems in the vehicle where I reported and I didn't get a response purchase date XX/XX/year> 2- they placed a payment due on an account without authorization and I canceled the debit via the bank app, this month of XXXX I paid on time via debit card on the app and they still debited another installment, that is, I paid XXXX installments and there are none in arrears, I sent them I sent several emails without a conclusive response and I was left with no money to buy food for my family as I never expected this abuse financial western funding account code XXXX
Product: Vehicle loan or lease

I PAID OF MY LOAN, SENT THE PAYMENT VIA XXXX XXXX PNC BANK SIGNED FOR IT. AND TO DATE THEY HAVE NOT CREDITED MY ACCOUNT AND THEY STILL SHOW I AM DUE FOR MY PAYMENT AND THE BALANCE SHOWS UNPAID. I have called PNC bank several times and wait on hold they say for 5 minutes and in 5 minutes the message comes back that they are too busy to talk to me. this is rediculous!
Product: Credit card or prepaid card

Account for XXXX XXXX XXXX ending in XXXX. Citi Government Travel Card Program. 
Citi Reference Number : XXXX I have going round and round with Citi for months regarding this dispute to no avail. Once my travel voucher paid the balance on the card the balance was XXXX until late fall of 2022 when the disputed charge showed up- I have not used the card since a business trip I took in XXXX of 2022. 

That's how long Citi has been pursuing this erroneous charge : nearly 7 months. I do not recognize it and disputed it as fraudulent immediately. I have asked for documentation substantiating the charges via mail or fax because the attached documents are getting stripped when they try to send to my work email. I have yet to receive the documents for review after Citi promised they would mail the documents weeks ago. 

This is a {$70.00} charge I did not authorize. Period.
Product: Money transfer, virtual currency, or money service

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Respondent Information : Zelle Network ( Early Warning Services , LLC XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX Bank, XXXX. 

Subject : Complaint Against Zelle Network and Associated Banks for Fraud Negligence and Harm Complaint Details : This complaint is filed against Zelle Network, operated by Early Warning Services , LLC, and its primary participating banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The complaint addresses the following issues : XXXX. Negligence in Fraud Prevention : Zelles design, as detailed in the CFPBs investigation, exposes users to fraud due to inadequate authentication measures and the allowance of unregistered tokens. As a consumer, I have experienced fraud resulting from this negligence, which Zelle and the associated banks failed to address adequately.

2. Lack of Investigation into Fraud Claims : Despite reporting fraudulent transactions, I have received minimal assistance or resolution. Zelle and its associated banks either closed complaints without action or directed me to contact the fraudster, a clear violation of consumer protection laws.

3. False Claims of Security : Zelle and the associated banks have falsely marketed their service as safe and secure, misleading consumers into believing their funds are protected when, in fact, Zelle lacks basic fraud-prevention measures. 
XXXX. Failure to Provide Timely Relief or Compensation : Despite repeated complaints about fraud, I have not received reimbursement or substantive explanations regarding the handling of my disputes. This has caused financial and emotional harm. 

Relief Requested : 1. Immediate Action to Address Fraud Concerns : Implement adequate fraud prevention and detection measures on the Zelle platform.

Investigate all my prior fraud claims thoroughly and provide a detailed response.

2. Reimbursement for Fraudulent Losses : Provide monetary compensation for the financial harm caused by Zelles and the banks negligence. I demand {$150000.00} for fraudulent transactions, emotional distress, and financial opportunities lost as a direct result of this negligence. 
3. Long-term Compliance Monitoring : Require Zelle and associated banks to comply with federal consumer protection laws and implement safeguards for future transactions.

4. Transparency in Communication : Provide regular updates on fraud investigations and ensure consumers are informed about risks associated with using Zelle.
Product: Mortgage

Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.
Product: Credit card or prepaid card

XXXX XXXX I paid a XXXX XXXX XXXX sent me, on line using my bank, XXXX XXXX XXXX 
It was accepted. Then, for the next, 6 ( SIX ) months, they have refused to acknowledge that this bill was paid in full, on TIME. They continue to accrue interest, penalties and fees on that {$210.00}, no matter how many calls I make to XXXX XXXX and their collection Bank, XXXX! 
My over XXXX point credit rating has plunged more than XXXX points, making it impossible for me to do anything requiring an excellent credit rating. 
I have a file an inch thick on paper work associated with trying to get this straightened out. XXXX XXXX XXXX bank have recorded their letter to them stating that the bill was paid on line through their financial institution ... .everything completely ignored! When I am actually able to get through to a real person from either XXXX or XXXX XXXX, I am treated with no respect, threatened, put off, hung up on ... .transferred to others who insist I repeat the whole story to them over and over and over.
Product: Student loan

I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations. My cash app name is XXXX.
Product: Mortgage

Truist has placed forced placed coverage on my condo for an unreasonable amount of {>= $1,000,000} on coverage that is only {$90000.00}. They are now aware of their mistake but we had several times stated that the amount they were trying to charge was not bonafide reasonable charge but they kept ignoring our request for examinations. We are willing to pay for the amount of coverage that is reasonable. They are trying to charge {$11000.00} for {$90000.00} worth of coverage for a six month period. Please help them per Federal Code title 12 help them follow their part of the law.