23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt has been paid Article 1 section 10 untitled states constitution Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; Mark all payments to on time and paid in full
Product: Debt collection

I previously submitted a request to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
Product: Credit reporting or other personal consumer reports

Child support has been reported on the estates consumer credit reports as a loan and I have never received a loan. There is no executable contract between myself and the child support division of the Office of Attorney General of Texas. They have injured this estate and the Agent that signs and operates this estate for the benefit of its beneficiaries with revocation of Power of Attorney they are not allowed to conduct business on behalf of the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove false information off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in 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 cfpbs 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 this lack of accountability and transparency is unacceptable
Product: Payday loan, title loan, or personal loan

I have been paying this loan for a year. When I first got the loan they never said majority of the loan was going else where. The loan is basically still in the same spot.
Product: Consumer Loan

I have a XXXX XXXX Financed through Santander Consumer Bank. I have been getting over 10 calls a day all times of the day starting from XXXX to XXXX. 
The reps on these calls are giving out my personal information and they are always threating me with repossession, telling me why ca n't I just borrow the money, take out a payday loan and all sorts of things to just give them money for payments. I have tried to call and set up arrangements to make payments, to just be told no and I must pay myfull amount owed or my vehicle will be taken.
Product: Checking or savings account

Deposited a check for {$500.00} to my SoFi checking account. SoFi cashed the check, took my funds, and then closed my account. Then they logged me out and changed my password.
Product: Debt collection

XXXX XXXX : Acct number:XXXX I contact them they couldnt provide me validation letter. And the original lease. All they have is my vacate letter good terms. 
Wish I date it and sign on the XX/XX/2021. That was not the lease neither the contract. 
And I checked the name they have is way different then mine I dont have a middle name XXXX. ( XXXX XXXX XXXX ) is not my name my name is XXXX XXXX. 
XXXX N accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions
Product: Credit card or prepaid card

CitiCard Several charges were made in XX/XX/2020 were disputed because they were fraud charges. The company never gave me credit for those charges. I contacted them again last week and they said they would credit my account. They still have not credited my account for those charges. 
The fraud charges were as follows : XX/XX/2020 XXXX XXXX for {$760.00} XX/XX/2020 XXXX XXXX {$89.00} XX/XX/2020 XXXX XXXX {$140.00}
Product: Mortgage

I decided to buy a XXXX home that was almost done being built. From the beginning, I was rushed to complete the loan docs and close by XX/XX/2016. I was encouraged to use their lender UAMC because they offered closing costs and covered other expenses. The first lending disclosure showed the monthly payment to be approx. {$2100.00}. After submitting additional documents as requested, I received another lending disclosure through XXXX that showed the amount to be approx. {$2600.00}. I talked to the mortgage consultant I was working with XXXX XXXX and asked why the new disclosure showed a different amount. She said she would look into it and get back to me. Shortly after, I received the final lending disclosure that showed the monthly payment to be {$2100.00} three days before closing. Since that was the amount I was prepared to pay, I was prepared to go to closing. I did not use my right to negotiate a better price, interest or use another lender. At closing, I signed the Final Lending Disclosure that showed the payment to be {$2100.00}. On XX/XX/XXXX, I received a statement and bill from UAMC showing the payment to be approx. {$500.00} more than what I signed up for. Due to the holiday, I called UAMC on XX/XX/XXXX to ask about the discrepancy. I was told by XXXX that she would contact the Loan Officer-XXXX. I was not contacted again until XX/XX/XXXX by email from XXXX asking me to sign a new payment letter showing the amount as {$2600.00} saying there was an error in the monthly property tax reserve. As a consumer, I am not aware of what is missing on forms that I 'm signing. I faxed her a letter letting them know this was unacceptable and that they needed to adjust numbers on their end ( i.e. home price, interest rate, etc. ) so that my payment was correct and my escrow was covered by my monthly payment of {$2100.00} as I believed they were when I signed the closing paperwork. She argues that they are not in violation of the Truth in Lending act as I stated in the letter because other costs were less than originally stated. My reply by email was that as a consumer, the number that is important to me is the monthly payment. I need immediate assistance as the payment must be made by XXXX to avoid a late charge and I do not want any impact on my credit score. This is my 3rd mortgage experience and I 've refinanced twice. This is the first time I 've ever had an issues. I 'm not ignorant but this has to be a violation of the Truth in Lending Act. I could understand if months or a year from now, there was a slight increase due to taxes being higher than expected but the first payment?
Product: Credit reporting or other personal consumer reports

I have been trying to get my old address, phone numbers and spelling of my name taken off of my account and it seems like they are stuck. My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, De XXXX, and my phone is XXXX. Any other address on my credit report is wrong and should not be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Got a letter from Experian telling me I could not get a credit because of insufficient credit am XXXX years old have had credit for at lest 20 yrs, next was Level of Deliquency ihave none ratio delinquencies to in come that is wrong. Please help
Product: Student loan

I have had these two loans with Sallie Mae since 2004. 
My aunt was the primary borrower on one. She died. They told me to have my other aunt her guardian send in the death certificate and it was subject to be cancelled or done. 3 months later, after hearing nothing, I started getting calls saying I was 120 days delinquent and they removed her like she was never on there. For two years I asked for promissory letters. They sent wrong ones. I filed a complaint with you guys a couple of years ago. No resolution. You cancelled my claim and stated you guys would be investigated them due to many complaints. Fast forward to now they are Navient. I this year requested forgiveness for these two private loans due to the school I attended not existing any longer. I was told no. I am now a single parent of a XXXX year old. I am solely responsible for without any support. I am fortunate to have a decent job, with XXXX, etc, I cant qualify for any help because I have a decent job ... .but am still trying to make ends meat. His child care alone is XXXX monthly. I cant go into forbearance. Im stuck. I need help. This isnt right. Thank you
Product: Credit card or prepaid card

{$150.00} dollar payment was made on XX/XX/XXXX to Barclays Bank Delaware from XXXX XXXX Checking online bill payment ( to be 24 hours to process ). 

Today on XX/XX/XXXX at XXXX EST Barclays Bank still has no record of this payment, which is due by XX/XX/XXXX. 

Yet XXXX has record of this being paid. I gave this information to Barclays Bank XXXX with a bank transaction ID number, I also have a Trace Number from the proof of payment document that I printed from the XXXX Web Site, but Barclays Bank still ca n't find a pending of completed payment. The {$150.00} has been deducted from my XXXX account and I have the proof of payment document. 

I am also having a balance transfer to XXXX that is completed from XXXX and not showing even as pending with XXXX. This transfer must also show by XX/XX/XXXX. It was for {$10000.00} on XX/XX/XXXX. Currently I have this balance showing at both XXXX XXXX  and Barclays Bank, so I owe twice as much as I really do, right now ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX 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 XXXX XXXX XXXX XXXX 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
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 the recovering lost funds was impossible and that tracking these funds was unfeasible.
Product: Debt collection

I went to the XXXX XXXX XXXX XXXX XXXX back in 2019 because I was going through the worse time of my life with my XXXX  where I thought something was XXXX XXXX XXXX XXXX  and come to find out nothing was stuck the doctor just looked in my mouth with a flash light and I was told nothing was there and my visit was over and here it is 3 years later I have a collection on my credit report from them because they billed my insurance for a procedure that was not done
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : HXXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I still have issue with Wells Fargo auto loans. I received a letter on XX/XX/XXXX. Case number : XXXX. They said that they completed their research and during our conversation on XX/XX/XXXX I stated that I attempted to make three payments a couple days prior. At the time I would have attempted the three payment the loan would have been due for XX/XX/XXXX, XXXX, XXXX, XXXX ( this is the month the charge off occurred ) XX/XX/XXXX. Once the loan is charged off, they would need the full past due amount. They have enclosed copies of the transaction and sales contract. 
Therefore, I made a payment for {$5000.00} last week and today I called XXXX XXXX the executive Office case specialist and the person who answer me told me XXXX is not more my case specialist because the case was close. And I told the lady why XXXX is not my case specialist if he send me a letter to explain the resolution and I have a question and need to talk to him. So I open a new case.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds credit reporting agencies civilly liable for negligent noncompliance.

Despite my repeated efforts to dispute inaccurate and unverified information on my credit report, Equifax has failed to properly investigate and remove these items, as required by law. This negligence has caused me significant harm, including damage to my credit score, denial of credit opportunities, and emotional distress. I am aware that the CFPB recently filed a lawsuit against Equifax for failing to properly investigate consumer disputes and for failing to remove inaccurate information from credit reports. My experience aligns directly with the conduct described in that lawsuit. Specifically : Inadequate Investigations, Failure to Correct Inaccuracies, and Lack of Transparency. This pattern of behavior demonstrates that Equifaxs failures are systemic and ongoing, as evidenced by the CFPBs recent legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Mortgage

Hi, I have a FHA loan originated 2016. I pay monthly PMI on this loan since my LTV at closing was above 90 %. The common knowledge was that after reaching a LTV of 78 %, the PMI will be removed.

Now, it just found out by the mortgage provider and the HUD, that the rules have changed and you have to carry a PMI for the full length of the loan of 30 years.

That doesn't make any sense, so for example you have to pay mortgage insurance in year 29 of your mortgage, when it basically is almost paid off.
Product: Credit card or prepaid card

We have had a credit card account called the XXXX XXXX XXXX XXXX with Citibank for over 30 years. This card offers a 2 % cash rebate on all purchases made in a calendar year. Each monthly statement provides an updated total of the accumulated cash rebate based on the transactions posted since the previous billing cycle. Then, at the end of the XXXX, a XXXX XXXX is posted to the XXXX monthly statement which represents the cumulative total of cash back earned in the previous 12 statement cycles. This practice has been followed for the entire 30 years that we have had this account. In XX/XX/XXXX we were expecting the latest XXXX XXXX in the amount of {$610.00} to be posted to our account. However, when the statement arrived in the mail, we noticed that no cash rebate credit was posted. I contacted Citibank Customer Service to inquire about the missing cash rebate and I was told the the XXXX XXXX XXXX was terminated in XX/XX/XXXX and therefore no credit was going to be posted. I keep meticulous records concerning all of our credit card accounts and I never received any e-mail message or hard copy notification via U.S. Mail regarding such a change. When I told the Customer Service representative that I never received the notification of the change, she told me that it was detailed in a written change of terms notice that was printed on the XXXX XXXX monthly statement. Once again, I keep all of our monthly statements and after reading through the notice, I determined that there was absolutely nothing in those terms that spoke about a change in the XXXX XXXX XXXX. Citibank eventually conceded that they failed to properly notify me about the change in account terms. I told them that I expected to be credited for the entire {$610.00} and they told me that they would review my account and let me know. On the XXXX statement I received a XXXX XXXX of only {$520.00} which is {$89.00} less that what I earned. I contacted Citibank again and complained about the error and they told me to send them a detailed accounting of how I calculated the {$610.00} total. Using the exact same method that Citibank has used for the previous 30 years, I sent them all of my documentation. I then received a letter back simply stating that the XXXX XXXX XXXX has ended and they were not going to issue any additional credits to my account. My reason for filing this complaint is that I feel Citibank has engaged in deceptive and dishonest business practices and also committed violations of the Fair Credit Reporting regulations. Because they failed to properly notify me of the change in terms, I was misled and tricked into continuing to use the credit card with an assumption that I was still earning cash rebates all the way through the end of the year. If I had known the program had ended, I would have stopped using the card immediately ( I have other cash back credit cards that I could have used instead ).