23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vehicle on XX/XX/XXXX through a local dealership, with a loan backed by Santander Consumer USA. Per my XXXX the first monthly payment was due on XX/XX/XXXX. The monthly installment amount was set to {$410.00}. Upon contacting Santander on XX/XX/XXXX to initiate set up of the first payment, I was notified that I was past due on my account and that if we did n't make payment by XX/XX/XXXX a late fee would be assessed. The representative stated that my past due amount + current month 's installment would total {$830.00}. This is in breach of the agreed upon XXXX XXXX. I advised the representative that our first payment was contracted to be on XX/XX/XXXX and he advised me that I was incorrect and again informed me that if payment was not received by XX/XX/XXXX a {$25.00} late fee would be assessed. During the same call said representative informed me that I had the option to change my payment due date online, of which advice I followed at a later date ( reset due date to EOM ). 
I charge Santander Consumer USA to be in breach of contract on the following counts : 1 ) A Santander representative stated my first payment to be {$830.00} ( see attached Payment History ), in disregard to the signed contract. 
2 ) A late fee was of {$25.00} was issued on XX/XX/XXXX ( see attached Payment History ), again in disregard of the signed contract. 
3 ) Upon changing of the monthly due date, the monthly installments increased to {$410.00}, also contrary of the signed contract.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about safety consumers.
Product: Mortgage

Once again I have to submit a complaint via this channel because you REFUSE to assist me on the phone or the website! My payment was due on XXXX. I always pay online but this month you have a new website and it says a " You can not make a payment at this time call a phone number. I called that number and get someone in a foreign country. I tell them I want someone in the US and I get an argument. I call back again and eventually get XXXX. She says she'll take the payment but it will cost {$17.00} to do it over the phone. Then it's {$7.00} because the website doesn't work. When I do it on the website it's FREE! She finally agrees to do it for free but then wants to apply it to the wrong loan. I have a home loan and a HELCO. She wants to apply it to the home loan which has already been paid for the month! I then call XXXX, who I had spoken with previously because of another issue. He's never available. I leave 2 messages. 2 days later and I don't hear back. I look at the complaint I filed earlier for the same time of issue and find the name of XXXX and a different phone number. I call that number. Message says that XXXX isn't available and sends be back to the Customer Service queue and it goes to someone in a foreign country AGAIN! I end up hanging up because he starts arguing with me! ALL I WANT TO DO IS MAKE A PAYMENT!!!! This is the second time I haven't been able to make payments. Every day that goes by the interest on a HELOC is continuing to add up. I really think this is a way for PHH to make additional money. If they can make it impossible for people to pay then they can continue to charge interest on the outstanding balance! With all of the loans they have this would add up to a lot of money real fast!!!!! I have had this loan with them for less than a year now, it was transferred from Ocwen. In less than a year I have had issues with payments for 4 months now. I have had issues with them and my home owners insurance. PHH claimed that the insurance policy didn't have the correct loan number on it, however, when I used PHH 's automated system it immediately pulled up all of the insurance information. At some point someone needs to step in and get these people in line or shut them down!!!! Unfortunately, the ONLY option the consumer has is to refinance and then there are all of the closing costs which must be paid so it makes it much more expensive! I can't believe that it should be this difficult to just make a payment on a loan!!!!!!!!!!!!!!!!!!!!!!!!!! Absolutely absurd!!!!!!!!!!!!!!!!!!!!!!!!!! I just tried to take a screen shot of the message but now you can't even get in to the site!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Lender : Resmac INC NMLS # XXXX Resmac is marketing as XXXX and calling borrowers who are on Dot not call list. They are not setup operationally to check against the Do not call list and are not compliant with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX, Equifax, XXXX, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXX. XXXX XXXXXXXX. I do not have documentation from any courts regarding a rental debt. XXXX, Equifax, XXXX refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
Product: Checking or savings account

This is going to be a long dissertation, so I will try to be brief but to the point. On XX/XX/XXXX, {$84000.00} was wire transferred out of my daughters saving account at Wells Fargo. This was unauthorized and bypassed all of our account safety methodologies available to us by Wells Fargo. 

Our computers were not " hacked '', we still had possession of our ATM / Credit Cards, etc.

{$60000.00} was able to be " stopped '' and returned. {$24000.00} ( that is the outstanding issue ) was transferred to a XXXX XXXX XXXX account and was closed before Wells Fargo was able to pull it back. 

Now the issue, Since the XXXX, I have talked to 8 different people, untold phone transfers, being told I got the wrong department, claim # 's were wrong and being hung up on. 

Now today, XX/XX/23, I got another new person and another " new '' claim number and was told the " dispute '' was pending and going to take another 10 days before there was any disposition. 

I need help
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX I saw an apartment listing on XXXX in XXXX, XXXX : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX & XXXX & XXXX I reached out to them since the listing looked normal asking for a possible discount. They proceeded to email me saying that they had a cheaper rate on XXXX. 
After a few weeks, I contacted them again on XXXX  and email : XXXX On XXXX of XXXX, they contacted me saying they were giving me a 20 % discount and they made a reservation for me on Airbnb through this link : https : XXXX The website looked exactly like Airbnb and I could message the host like normal. After accepting the booking, I asked the support on the page which looked normal if paying through transfer was normal and they assured me. 
We were shown an invoice on the page that looked like a real XXXX invoice with a N26 XXXX  XXXX bank account where the money was supposed to be sent. We proceeded to sent the money ( XXXX EURO ) and only we afterwards realized it was a scam. We called our bank XXXX but they are unsure if we can get the money back.
Product: Credit card or prepaid card

For the past several months Capital One has billed my account for a XXXX subscription that I did not open or authorize. Even though I have repeatedly called, nothing was done to stop the charges. Finally, in XX/XX/XXXX, a merchant block was put on my account and I was " guaranteed '' no more charges from XXXX would be allowed. Each month I've had to call and cancel my card, get a new card and activate a new account. Now in XX/XX/XXXX I see that on XX/XX/XXXX, another charge from XXXX was allowed on my account. A supervisor from Capital One, XXXX # XXXX, stated that Mastercard is pushing the charge thru my account even though there is a merchant block on it. I feel that Capital One should contact Mastercard on behalf of their customers and let them know not to push through a charge that has repeatedly been disputed. It is a hassle to sit on the phone for several minutes ; this particular call I am currently on is at 36 minutes and still going. At this point, we are currently on a call with XXXX on a very long hold for a supervisor because XXXX can not even find an account related to my credit card number or past numbers. While XXXX and I waited and waited on hold with XXXX for a supervisor, when the rep told us he would transfer us, he actually disconnected us instead. There should be better protection for credit card customers than to have this type of hassle. I am closing my account to ensure no further charges since we could not resolve this issue with XXXX. XXXX did say at my request that she would forward this issue to Mastercard in hopes that customers receive better customer service.
Product: Credit reporting or other personal consumer reports

Attached is a police report for proof the following credit card accounts thats currently listed on my XXXX and XXXX credit report are not my credit card accounts : XXXX XXXX XXXX XXXX {$360.00}, XXXX XXXXXXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my XXXX credit report are not my credit inquiries.
Product: Credit card or prepaid card

I have a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!
Product: Credit card

I have 5 credit cards with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. All of my 5 credit cards have this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.
Product: Debt collection

I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment complex that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The information keeps getting updated with no legal proof that I entered into any agreement with XXXX collection agency. This is a clear violation, Hunter Warfield has failed to provide me with a requested contract that contains my signature, and not just a letter from them saying the debt is owed. That does not meet the burden of proof. Under consumer law all of the above listed companies are in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letter about accounts I was disputing on my credit report. Within those dispute letters I never disputed one account with XXXX XXXX. I disputed erroneous accounts with a creditor called XXXX XXXX XXXX. This company instead placed statements under my accounts with XXXX XXXX causing my credit score to fall because their representatives did not do their job and either actually read what was written. I want the statements removed from ALL XXXX XXXX ACCOUNTS AS I DID NOT DISPUTE THEM and I want this agency held responsible if for any reason my accounts in good standing are tarnished or an account is closed due to their negligence and due diligence when processing disputes!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX XXXX. I paid into my account for 4 months they closed it unexpectedly and told me in the app that they would send my closeout amount in XXXX business days. I waited past XXXX business days and contacted them They sent correspondence telling me they put a freeze on my payout of over {$100.00} and my credit score went down XXXX points. 

They gave misleading information and had my score raise and closed my account and then act like they are not returning my money. My credit score dropped lower than it was then when I got with Self. Now they are trying to keep my money. I want my money back asap. The amount of over {$100.00}
Product: Checking or savings account

I have been using XXXXXXXX XXXX XXXX  XXXX as a regular customer for several years. Recently, a couple months back they transition to a new banking website, which has resulted in several issues as below 1. The bank has tried to implement a 2-factor auth, but that utilizes a communication engine that sends duplicate alerts, mistimed/lagging messages, and complicates completion of transactions. In fact, late messages through text messages can confuse the user and cause them to re-login to validate transactions.

2. Internal secure messages are build one-way, and don't allow a complete two-way exchange to be processed as a single thread. One needs to spawn a new message and add the context each time. 

3. On XX/XX/XXXX, XXXX XXXXXXXX XXXX had a OTP system debacle causing many transaction to fail. One of mine was erroneously copied over 3 times. Imagine the plight of user who see a triple digit remittance request copied over thrice, with no means to cancel it. The bank doesn't have an online chat option, off hours call desk, and even during business hours, either the answering person reverts at their convenience ( only during XXXX CT ). These conditions may fluctuate or get better sometimes, but it tends to make the bank uniquely unreliable ( unlike any other US banking entity I have worked with ).

4. The bank sends monthly statement in paper to registered address, but there is no way to select electronic only statements, or even turn off paper ( if someone was to be away from home for few days/week ) causing the controls to be counterproductive ( unfavorable for privacy of individuals receiving large volume of paper statements ).

5. Generally employees are cooperative, but there is a lack of desire to change or modernize processes in line with other progressive banks. 

Instead of suggesting customers different workaround ( e.g. fax a request for remittance when online system crashes, or wait for IT to fix their systems ), Bank should adhere to the competitive benchmarks, regulatory controls, and digital standards. 

These are some of the examples of a poorly designed digital system, with broken processes, and lax customer service, worth noting as governance and financial/security controls gaps, that deserve systemic fix. It takes multiple follow-ups and reminders, which the bank has been apparently slow in responding. 

Efficient markets may work to drift customers and their business elsewhere, but for those that want to give another chance, would the bank please take notice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to resolve the issue with Lexis Nexis but this company continues to report a bankrupty to XXXX and XXXX. Also in the companies own words they are unable to identify me but yet they are selling false information the the bureaus. 15 USC 1681 states that the information has to be accurate. I have not entered into any agreement verbally or through a sign contract for Lexis Nexis to provide anything on my behalf. If Lexis Nexis has a signed contract with me please provide this information. Lexis Nexis needs to Cease and Desist on reporting any of my personal information to all of the credit bureaus, phone, mail or electronic communication without written consent from me. I'm providing a letter from Lexis Nexis that clearly states that their company can not identify me.
Product: Debt collection

I've reported the original creditor which was time payment and it was taken off and then they have sold it to a multiple collections companies and I have to keep fighting them. Atg was the last collection company and I had it removed. Atg has proceeded to change the amount to add this identity theft collection back to my credit profile. I don't know what type of account this is and I've asked several times for proof of what type of account this is and the only thing they send me is a payment schedule they don't tell me what kind of collection is this. I don't know if it's a credit card a loan I'm not for sure.
Product: Credit card or prepaid card

In XX/XX/XXXX I had my air conditioning ducts replaced and financed the project with Wells Fargo. There was a promotional financing promotion, no interest if balance paid before expiration of special financing term. I had a second project with the same vendor for the installation of a faulty thermostat - also with the promotional financing. 

I made timely payments every month and was set to pay the entire balance prior to the special financing expiration date, which I believed to be XX/XX/XXXX. 

When making my payment this month, I noticed the balance had increased by about {$950.00} dollars. I looked at my statement and saw a charge for interest. I looked again at my statement and it looks like both special terms where set to end in XX/XX/XXXX or XX/XX/XXXX. The print is so small and unclear, that apparently the XX/XX/XXXX due date was actually XX/XX/XXXX. 

I contacted the bank and advised that I was planning on paying the entire balance, requesting they reverse the {$950.00} in interest in light of the fact the it had not even been 30 days since the promotional financing expired. 

They refused. The font on the statement is so small and the numbers and dates look exactly the same. 

Considering I made all my payments timely and paid more than the minimum due, and was offering to pay the entire balance immediately, to charge {$950.00} dollars in interest is outrageous.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDRaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Started calling the Phone Nbr 's listed on the notification letter and was passed around by " XXXX '' and disconnected until I was connected to a person I could not understand due to Static on the Phone and a very Muffled Tone. The Phone went dead ( Disconnect ) then I received a call back with a Garbled message that I could not understand. I then tried to call back and had to start all over with " XXXX '' and Became Frustrated and stopped calling back sometime around XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX responds within 24-48 hours stating the account is accurate, without investigation. This practice violates the FCRA, which mandates a reasonable investigation of disputes. These actions also contravene the CFPA. I request that the CFPB take action to ensure they comply with the federal law and provide proof of investigation.

The following account should be removed. 
US BANKRUPTCY COURT XXXX XXXX