23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/21 I reached out to Loan Depot to refinance my rental property. I spoke with a XXXX XXXX on the phone for about 30 minutes. He specifically asked me to provide a credit card authorization to charge for a credit report, which I did. He also sent me to their portal where I signed to authorize the {$21.00}. 
Later That evening I received two emails, one regarding the fee for the credit report and another regarding a fee of {$490.00} for an appraisal which we never discussed. I immediately sent XXXX a text message questioning the appraisal fee in the absence of a pre approval. 
Mi d you, this gentleman lists his availability as Thursday thru Sunday but did not respond to my text. I called and left a vm. By Sunday I was angry and them sent an email canceling the loan request. Finally on Sunday he responded to my request to cancel sending me a text that he would cancel my request with no mention of the credit card charge. 
After more than 10 days I called my bank and canceled the card and they rejected the {$490.00}. charge and from Loan Depot. 
This company is shady and takes shortcuts. Just thinking if I had provided my debit card they would have wiped out my account.
Product: Vehicle loan or lease

hello, my name is XXXX XXXX XXXX and I want to inform you that this credit acceptance company I told you since the start of XXXX that I lost my job and that I could not make my payments, so after reaching an agreement, they never fulfilled that payment agreement, why? my account continued to have high interest and not being able to comply because of a relative my grandmother suffered from XXXX I had to travel to XXXX XXXX I had to stay there she did not ask to make the payments I came back and contacted them and explained what happened of everything they did not help me so I reached an agreement to pay XXXX but they did not want to close and eliminate that account from my credit report and make the agreement that we reached they continue to charge me and charge me every month charging interest that they are not supposed to do edi If I continue to charge my credit, I want them to eliminate that from my credit. Carrying out the agreement is making illegal charges like XXXX all the months are not helping me at all. and they investigate them, erase all that, I charge a skirt to the account, that they close it and rlimfn that account of my report, they never helped me with the situation of rl covid, my economic situation now because of my credit is affected
Product: Credit card

I Have been a Capital One card holder for over 10 years. I have never had a late payment, and I have always paid off my balance every month my credit score is usually around XXXX ( has dipped to XXXX a few times after some big purchases but I still never missed a payment. ) I have applied for a credit increase twice a year for over 6 years & have been declined for not using the card enough. I have called, emailed, and written trying to get the amount they required for them to raise my limit, but they dont answer anything. Today I spoke with someone at the call center that told me I needed to use 3 % of my limit ( my limit is {$6000.00} ) my last statement was {$890.00}, Ive had higher & Ive had lower but they still decline an increase. I have several other cards & within a couple of years they increased my limits up to {$26000.00} on one, {$25000.00} on another and when I get new cards they start my limit off at about {$16000.00}, but Capital One still wont raise my limit
Product: Credit card or prepaid card

When I applyed for this card I was told I never have over tge limit fee Citi lates They charge me {$160.00} for over the limit fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX my XXXX XXXX loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both XXXX XXXX on XX/XX/XXXX as well as to Experian. The Experian Dispute was returned in favor of XXXX Bank and XXXX also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?
Product: Debt collection

I recently received a email letting me know my credit report changed when I checked I saw that there was a collection account in the amount of {$120.00} dollars. I never received any information vial phone call or mail about this collection. I have no knowledge of where this could have came from. I am also a victim to Identify theft and fraud alerts have been placed on my credit report
Product: Mortgage

DO WHATEVER YOU NEED TO DO NOT TO BE SERVICED BY NEW REZ. 

XX/XX/XXXX : Bought house using XXXX XXXX  loan servicing. Hazard and windstorm policies were paid out for the year by Academy Mortgage. 
XX/XX/XXXX : Loan bought by New Rez. New Rez saw the two separate policies with the similar amount and incorrectly uploaded the hurricane policy as our hazard/homeowner 's policy and disregarded what they thought was a duplicate policy. 
XX/XX/XXXX : XXXX sends New Rez invoices and renewal policies for both hurricane and hazard. New Rez only pays hurricane policy, thinking it's homeowner 's. 
XX/XX/XXXX : Homeowner policy is canceled due to non-payment. 
XX/XX/XXXX : I call XXXX for a copy of my homeowner 's policy to see if I want to update it. Was then told I am not covered due to non-payment from New Rez. RESPA violation. 
I call New Rez, who says I have homeowner 's insurance. I said XXXX says I don't. New Rez agent discovers mistaken hurricane policy being uploaded as homeowner 's insurance. 
XX/XX/XXXX : I work with XXXX to get two new policies, homeowner 's and hurricane. 
XX/XX/XXXX : New policies are sent to New Rez. New Rez fails to pay XXXX. I call New Rez again, they claim they did not receive new policies. I upload again. Email docs again. They confirm they received it and will pay out XXXX. 
XX/XX/XXXX : Received a letter that we were going to be charged XXXX years of XXXX for the missing year of insurance. New Rez apays out XXXX and XXXX, double charging our windstorm insurance. I call New Rez to complain about XXXX, as it is not my fault the mislabeled and disregarded our policies when they received them, from several different sources including XXXXXXXX XXXX and XXXX. Sent in proof that XXXX sent them renewal information along with invoice. Request denied, despite evidence. Supervisor said request can not be reopened once denied. Reason given was that they didn't have the policy on file, which is a lie.
Product: Vehicle loan or lease

Capital One Auto Finance calls me at work and on my cell phone numerous times a month. I pay my loan EVERY month although not on the day it is due. I have asked for 4 years since the start of this loan to change the due date. I currently pay XXXX for rent and I am ONE person who makes less than XXXX a year. My loan is due on the XXXX and I can not manage to pay it on time. I do however pay my loan every month. 

I never gave them my work number I don't know how they got it but they WILL NOT STOP calling me at work. They call all month long. Send repeated emails about how my loan is past due when I have already paid it. This has gone on for 4 years. 

I don't have much longer to go. I want these calls to STOP IMMEDIATELY. It is embarassing and humiliating when their name shows up on the work caller ID. 

Please make them STOP calling me. I WILL PAY MY LOAN ......
Product: Checking or savings account

I have a Venmo account that Ive only used twice in the three years Ive had it. 18 months ago they made an accounting error and stated I owed them XXXX XXXX After dozens of calls and proving records they finally fixed my account a month ago and instead of me owing them {$230.00}. There is a credit balance Id {$61.00}. Ive tied repeatedly to obtain those funds and close the account but they will not allow me to take possession of my credit balance as they have my account locked saying I need to provide them my identification and Ive now supplied that twice. They are now telling me that can not verify that Im the owner of the account even after Ive sent my drivers license, validated my phone number, email, address, date of birth, address and last four of my bank account attached to the account ( none of which has changed since inception of this account.
Product: Checking or savings account

My mother died on XX/XX/XXXX. At the time of her death, she had a checking account at XXXXXXXX XXXX with a balance of nearly {$43000.00}. I fist contacted them to close the account on XX/XX/XXXX. They required I go to the branch face-to-face with her death certificate to close the account. I live in XXXX, WA. I had to travel more than XXXX XXXX miles to hand deliver the death certificate. On XX/XX/XXXX, I traveled to the XXXX XXXX to hand deliver the death certificate. I also gave a copy of the court order naming me personal representative of my mother 's estate. XX/XX/XXXX, I called XXXX decedent affairs to ask about the progress in closing the account and was told that I had to take a second cross country trip to request the funds in person. After insisting to speak with a manager, I was told that I could close the account by mail if I sent another copy of the court order naming me executor of her estate because they needed a copy with a raised seal. I had to pay a lawyer to get a copy with a raised seal. I sent that to Santander Decedent affairs on XX/XX/XXXX. 

They refuse to give me the money. 

Sometimes they tell me that I have to travel to XXXXXXXX XXXX  to pick up the check. 
Sometimes they tell me that my mother does not have an account and that the account number printed on her last statement from when she was alive is not a real account and that it doesn't even have the right number of digits for an account. 
Sometimes decedent affairs tell me that the money is waiting for me at the branch where my mother opened the account. Before taking another XXXX XXXX mile round trip to collect the check, I called the branch. There is no check and they have no idea what I am talking about. 
Sometimes, they insist that my father is a signatory on the account and only can get the money. He died more than XXXX years ago. 
Sometimes, they tell me that I am a signatory on the account ( because my name is the same as my deceased father ) and that I can't close the account through decedent affairs because I am not dead. 
Sometimes they tell me that I never brought my parents death certificates to the branch. 
Sometimes they they have me mail copies of the documents to XXXX XXXX XXXX XXXX MA XXXX. Other times, they tell me to mail copies to XXXX XXXX XXXX XXXX MA XXXX with no explanation of what's different in the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Their excuses are different every time. 

They also insist that Santander Bank does not have a complaints department or a process for disputes resolution. They refuse to give me anything in writing. They make me call them on the phone. I frequently get disconnected after being on hold for more than XXXX minutes. 

Please help. That {$43000.00} is a major part of my mother 's legacy of caring for her family. We really need it. It shouldn't take more than six months of repeated requests for them to close a deceased person 's account.
Product: Debt collection

National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore.
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. 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 and raises serious concerns about consumer safety.
Product: Debt collection

I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything. 

I want this collection account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my XXXX XXXX XXXX XXXX Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue 1 : Date of last payment [ Transunion shows XXXX XX/XX/2022, XXXX shows no date, XXXX shows XXXX XX/XX/2022 ] Issue 2 : Account numbers differ ( see attachement ) Issue 3 : Last reported balance [ XXXX shows {$1100.00}, XXXX shows {$1200.00} ] Issue 4 : Account status [ Transunion shows charged off, XXXX shows closed, XXXX shows charged off ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Mortgage

LENDER : Renovate America ( HERO PACE product ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX LOAD IDs : APN : XXXX HERO ID ( s ) : XXXX I paid my account in full ( {$21000.00} ) by wire transfer on XX/XX/2019 per the instructions that Renovate America ( RA ) provided to me on XX/XX/2019. 

Following payment of the account, I did not receive any acknowledgement or any other communications from RA until XX/XX/2019. On XX/XX/XXXX, I received a Payment Confirmation Letter ( PCL ). 

On XX/XX/2019, I acknowledged receipt of the PCL, and informed RA that the lien on the property had still not be released, by replying to the email that it had been sent from. 

On XX/XX/2019, I sent a follow-up email to the same address requesting information of the Release of Lien ( Release ). 

Between XX/XX/XXXX, and XX/XX/2019, I made multiple calls to RA to request that the Release be recorded. On the initial calls, RA assured me that the Release would be recorded shortly ( in a matter of days ). On subsequent calls, RA informed me that RA does not presently have the competency to the record the Release, but that RA is working on it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX  Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a f
ree credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Product: Credit card

I am writing to address the unexpected and unjustified closure of my Chase Sapphire credit card account. As a loyal Chase customer with an impeccable payment history, this action is deeply concerning and unacceptable. Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right. Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED 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: Debt collection

The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX  XXXX and XXXX {$330.00} 6 ) XXXX   XXXX XXXX {$85.00} 7 ) XXXX XXXX
Product: Debt collection

I received a collection letter from Meridian Financial Services of XXXX, NC on XX/XX/2020 claiming I owe XXXX XXXX {$1300.00} for annual maintenance fees. The current balance due stated includes an additional {$450.00}. 

I responded with a certified mail letter on XX/XX/2020 stating my notice of dispute and request for debt validation where I listed items I required for further consideration. During this time, Meridian continued phoning me to collect the disputed debt. They replied by forwarding a copy of a deed and an unverified statement of my account. Neither document addressed the validity of the debt nor their authority to collect. 

I sent a second request for validation of the debt certified mail on XX/XX/2020. They responded by forwarding the same 2 documents. they fail to provide me with minimal proof that they are authorized to collect or add unitemized charges to the original balance. To date, their calls and letters continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRYS : 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 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 have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "