23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX XXXX for 4 years now and I can confidently say this is the absolute worst company I have dealt with and I am so embarrassed that I chose them to represent my purchase for myself. It started with my loan officer XXXX XXXX making empty promises over and over again to the point of 0 trust in his word. The deal was full of discrepancies and could not be closed due to pure negligence and lack of communication between all parties involved specifically the processor XXXX XXXX. 
I had the file escalated to the CEO and Owner of this company which stepped in and tried to help but without any result due to an incompetent team. We extended the closing date 3 times and about 3 weeks and weren't able to close in the end due to failure to disclose certain terms and fees that I was not willing to sign on under pressure. They added a pre-payment penalty and extra fees mid process, had I signed without reviewing the terms like most people do I would have ended up with a horrible loan and stuck with an 8.125 % rate for years. I lost time, money and my sanity working with these people. I have lost all my 6 months plus work on my home search and mortgage application plus about {$2000.00} and my sanity. I have to start over now. These people should be investigated and should not be handling anyone 's money. See attached example of one major discrepancy from what was disclosed on the Loan Estimate verses what was finalized on the Closing Disclosure ( pre-payment penalty added ). 

Mortgage Company : Groves Capital Inc. 
Lenders : XXXX XXXX
Product: Credit card or prepaid card

Had a promotional balance of {$550.00} at 0 % APR and a revolving balance of {$180.00} at 22 % APR, and their policy is to pay off the balance with the highest apr first, and they didn't do that. Instead they are continuously sending my payments over the minimum {$35.00} ( {$230.00} in XXXX. ) towards my promotional balance and charging me interest on my revolving balance. 

Not only that, their customer service just talks you in circles and ignores the problem at hand.
Product: Credit card

I received a card offer in the mail for XXXX and Victoria secret. I accepted and I use both cards paying what they asked me to pay the maximum. So then I went up and start paying more only to find out that with XXXX I have been paying almost 4 years or more and it never goes down with Victoria 's. Secret is about the same, nothing changes. I keep putting it in my balance keep getting the same. That's not how it goes. I talk to them and they all said the same. It's your interest. If you don't pay it out all at once we can add our interest to me. If I ain't paying more than the maximum, why is it that I can't get my bill to come down? I asked them to show me the amount I put in since the time I first opened a card they refuse
Product: Credit reporting or other personal consumer reports

i recently viewed my credit report and noticed fraudulent accounts had been opened. I've attached my identity theft report which includes the accounts I am disputing. Thank you
Product: Credit reporting or other personal consumer reports

Hello XXXX is reporting incorrect information on my credit report. I attached a copy of my report as proof that they are reporting inaccurate dates across all 3 reports. The balance is also incorrect. I have been disputing this information and as you can see in the report comments, it says meets FCRA requirements. I am aware that reporting inaccurate and incomplete information on my credit file is a violation of the FCRA and they can be sued {$1000.00} per violation. I am now asking that they remove this from my file. I have all disputes on hand as proof that I have tried to get this corrected. I have also asked that they cease all communication with me. This is also a violation. They keep contacting me to collect payment from me and have not send me any sort of proof that I owe this alleged debt. I have asked for contracts with my signature with no response. Only collections letters. Please investigate this matter for me. Thank you
Product: Student loan

I began researching forgiveness options through XXXX once XXXX of my loans reached XXXX payments. I applied for forgiveness for those XXXX loans but during that process, I learned that if I had consolidated, I would have all XXXX of my loans forgiven with that same payment count. I did not learn this from my loan provider nor the student financial aid website. I learned this through XXXX. I did research and found out. This is actually true, but the information is not put out there. I attempted to consolidate all XXXX loans prior to the forgiveness going through on the XXXX loans, unfortunately my XXXX loans were forgiven before the consolidation was completed. Now I am left with XXXX loans that could have been forgiven in XXXX with all the others. They now still have XXXX years left on them. This is unfair because right now borrowers are constantly steered away from consolidating if they are on the XXXX program. We are told that our payment counts would start over and the student financial aid website even gives a huge disclaimer warning when consolidating. If XXXX XXXX misled, I would have forgiveness and no more paying student loans. This is very unfair. After reading the article posted by consumer finance, I realize I am in XXXX of many who are facing the same situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Transunion shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my XXXX  report. These should match. 
Now, XXXX has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. Transunion has these same 4 accounts as closed. I think these should also be closed on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion removed the original account which wasnt mine and replaced it with a collection account that has a payment date that didnt match what the original creditor stated. XXXX  XXXX was removed lvnv funding remained
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies in my credit file. Despite consistently making payments, an inadvertent missed partial payment caused my credit report to reflect as 'late ' from XXXX to XX/XX/year>. This error is hindering my ability to refinance my house and alleviate financial strain. Attached is documentation illustrating a partial payment of {$1200.00} on XX/XX/XXXX, followed by full payments in XXXX XXXX. The confusion arose when I made a full payment on XX/XX/XXXX yet received a late notification from XXXX XXXX  dated XX/XX/XXXX, indicating a payment was overdue. Assuming the notice was issued post-payment, I proceeded with subsequent payments from XXXX and XXXX made over the telephone with a XXXX XXXX representative. At no time during the payments made over the telephone did a XXXX XXXX representative alert me to the missing partial payment. The issue only came to my attention in XX/XX/year> when I made a payment over the telephone, the XXXX XXXX representative finally made me aware of my delinquent account. Throughout this period, my XXXX XXXX profile showed an 'unapplied principal ' of {$1200.00}, which I mistakenly interpreted as part of the loan balance, rather than an indicator of a missed payment. I had no idea that an unapplied balance meant there was a missing payment. I was assuming if it were late, the notice would outline Late, unpaid, or overdue. I even googled unapplied principle which read The Unpaid Principal Balance ( UPB ) refers to the amount of principal on a loan that has yet to be paid off. It does not include interest or any other fees that may be associated with the loan ; it only reflects the remaining balance of the amount originally borrowed. Even with a XXXX in XXXX, that read to me as if its just part of the loan. To date I have been struggling to make up the missed payment on my tight budget. I finally took out a loan from my XXXX XXXX XXXX to make a {$5000.00} payment and bring my mortgage current. I am requesting that the late payments are removed from my credit report. Furthermore, I request that XXXX XXXX revise their late notification protocols to ensure the customer is aware of their delinquency and preventing similar occurrences. Enclosed is documentation supporting my request.
Product: Mortgage

I was fast talked in to giving {$500.00} on a appraisal fee to Amerisave Mortgage. This was on XX/XX/2019. Now no one returns my calls or emails. I think the {$500.00} is gone. Both my wife and I are on fixed incomes and have severe medical conditions. This really hurts our financial resources.
Product: Debt collection

On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. 

My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.
Product: Debt collection

Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX   rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX  XXXX XXXX  XXXX XXXX a XXXX XXXX  XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.
Product: Credit card or prepaid card

On XX/XX/2022, I was charged {$7500.00} to my Discover credit card. I saw the charge during the night, but did not call until I woke up for the day around XXXX. I called Discover and they immediately closed the account and started the fraud investigation. After doing their research, they determined it was an authorized purchase because of my card was not reported as stolen, I was in the geographic location of the purchase, and that I sent them a confirmation text which I do not recall ever sending. 

I have sent Discover a screenshot of my account statement where the transaction says for the above amount. After they concluded their investigation, they posted {$9000.00} to my account, and the reasoning behind the extra {$1500.00} was that it was a " tip for services '' that was not posted before the account was closed. After asking for the receipt so I can verify my handwriting and signature for the purchase, the merchant ( XXXX XXXX ) and Discover have failed to provide any documentation. The failure to produce simple documentation such as a purchase receipt is good evidence this is fraudulent activity. 

The same night, two of my other credit cards were tried for {$3500.00} and {$2500.00} respectively. Both those cards blocked the transactions and sent me new cards and that was the end of it. My Debit card was also used that night to make two {$400.00} purchases which Mastercard investigated and all that money was credited back to my account upon the completion of their investigation.

My bank 's investigation and ultimate ruling in my favor for two fraudulent charges that occurred the same night as this Discover situation should be a good indication that what was happening that evening was not me. Someone was charging my cards without my authorization and I would verify much appreciate seeing the documentation where I signed off for a purchase of {$7500.00} with my handwriting of a {$1500.00} tip on the receipt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous of 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 not only has neglected to protect consumers but also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams, This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I paid my account off with XXXX and plan to use them again but Prince Parker is still trying to collect a wrong debt. I talked with Prince Parker with them still reporting to XXXX XXXX to hurt my credit.XXXX told me they told Prince Parker to stop collection but they haven't to date.They just reported to XXXX XXXX on XX/XX/XXXX again a negative. Please help me.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS FALSE AND MISLEADING/UNAUTHORIZED/IMPAIRED/UNDERMINING.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXX and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX.I have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. 
As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX - XXXX - XX/XX/2019 - XXXX XXXX XXXX XXXX - XX/XX/2019 - $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them. After receiving the information from Discover that I qualified for something when I called Discover they told me that information was false and I was making that up. The agents then refused to let me speak to anyone else regarding the matter and insisted I pay up from the $ XXXX owed to Discover telling me they had no more plans to help people like me who were delinquent and XXXX to pay off their debts.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are refusing to conduct any investigations into my disputes regarding false late payments. I have been disputing since XX/XX/2021. Each time they Verified as accurate. When I called the representatives admitted to seeing the inaccurate late payment statuses but referred me to the original creditor. So, finally, I had two separate XXXX XXXX XXXX XXXX XXXX credit monitoring services and My XXXX which revealed that XXXX is reporting XXXX Late Payments and Experian is reporting XXXX Late Payments. These late payments are being updated every month. I have asked for proof of all late payments and the method of verification. I have been denied by both agencies. These late payments are a blatant and deliberate Lie!!!!!!!
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : US DEPT ED - XXXX, US DEPT ED - XXXX, XXXX XXXX- XXXX, US DEPT ED - XXXX, XXXX - XXXX, US DEPT ED - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX, US DEPT ED - XXXX, XXXX  - XXXX, US DEPT ED - XXXX "
Product: Mortgage

I contacted Mr. Cooper about my insurance for the loan as my payment went above about extra XXXX on my monthly payment because of insurance. they got their own insurance that was too expensive which I cant afford so i did shop for insuranc and I updated it on the system.however, my payment did not decrease. I tried reaching out to Mr. Cooper by phone multiple times there there machine Automated answering machine keeps going loop " I understand you need to speak to an agent, but can you tell me what about and I say about insurance and then it caused like your insurance is this this this and again I understand you need to speak to a person to an agent whats this about '' so I tried to do it through the chat I told them whatever I need about the insurance and about my payment and I need to understand whats going on and she said you never send us all your loan number and then she hung up the conversation. I have an XXXX  transcript from the conversation. The thing is Im not able to reach the service of my mortgage so I can fix my monthly payment that went up from {$1000.00} to {$2800.00} per month
Product: Consumer Loan

I have a auto loan that was included in my Hardship repayment plan with NFCU personnel finance management program. They have continuously charged me numerous late fees and charges erroneously. I have never missed a payment I have paid them on time. I have attached documentation to attest to the fact that they are practicing and conducting illegal practices and misleading and misrepresenting their loans.
Product: Credit card or prepaid card

I have called every month since XXXX to get a stop payment on a re-occuring charge Every month the cancel my cards and tell me the issues are resolved, and every month I am having to call in.
Product: Checking or savings account

XXXX claims they submitted a refund on the following : Your e-receipt Thanks for stopping by! 
Here 's your receipt from XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Store number : XXXX Transaction number : XXXX Register number : XXXX Date : XX/XX/year>, at XXXX XXXX Ringing employee : XXXX XXXX. 

The refund was for the wrong item and that is a secondary issue. Employee who originally wrong up the item participated in abusive practices. Despite informing XXXX I no longer had that account they failed to do anything about it. First Citizens Bank is claiming no refund was received. All XXXX staff are tossing the blame to the bank to avoid accountability.
Product: Mortgage

XXXX XXXX never received any notices, regarding being in default or Bank of America N.A. scheduling a face-to face meeting according to the mortgage agreement clause 9 ( d ), Plaintiff, Bank of America N.A. attached the mortgage to the complaint and redacted the information to conceal those facts of the FHA loan numbers. Bank of America concealed the FHA loan case XXXX. XXXX. Bank of America N.A. did not comply with Title 24 CFR Part 203 Subpart C- Servicing Responsibilities,  including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 as stated in the mortgage agreement.yet the are attempting to take my property without compliance to the Federal guidelines or the HUD provisions.