23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got this loan for a total of {$4000.00}. 2 checks were huge to me for {$2000.00} each. I failed to make on time payments and forgot about the loan. I never received any contact from Republic Finance about it. I am in the process of trying to get approved for a house and it came up on my credit report in XXXX. I reached out to Republic Finance to start making payments and get the account settled. On XX/XX/2023, I made a {$1000.00} payment to an agent named XXXX, and making my notes balance due {$3200.00}, and was told to keep calling back each month to make my payments. When I called on XX/XX/2023 to make another payment, my balance had changed had had added an additional {$260.00} in fees for late payment, but I was informed the account was with a collection agency and I can not pay with Republic Finance. I reached out to XXXXXXXX XXXXXXXX  to find out about my balance and get my payment made. The agent I spoke to XXXX, informed me my actual balance was over {$5000.00} and that they never received my payment of {$1000.00} from XX/XX/2023. I gave them 24 hours to get with Republic to find out the discrepancy. I called back on XX/XX/2023 and they had not heard back from Republic so I called them to figure out why I was giving different information in XXXX. The manager I talked to at Republic informed me that XXXX should have never taken my payment and that she gave me the wrong balance. This has messed up my entire plan. She also mentioned that XXXX supposedly could see my payments immediately when they are made and that is not what XXXX informed me from XXXX. I ended up settling my account with XXXX bc I need to move and get approved for a house and this is hurting my credit score. I still have not received a receipt of payment or my deletion letter from XXXX and the agent coins not confirm if my {$1000.00} payment was ever applied to my account. I feel this needs to be reviewed and my {$1000.00} payment refunded bc Republic was charging me interest fees every day and made my loan go from {$4000.00} to over {$7000.00} that does not sound right. No one will provide me any documentation of my payments or that I have paid it off and Republic Finance sold my account but still had it showing on my credit report with them. This feels almost like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) XXXX  days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( XXXX ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered ballon payments and still is reporting this account as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$11000.00}, {$8600.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

2. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account. 

3. XX/XX/XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XX/XX/XXXXA with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with XXXX, but have been unsuccessful in reaching a satisfactory resolution. 

I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under National Credit Systems and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.

Enclosed with this letter are copies of relevant documents that support my claim.

I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint.

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

They called my work about a month ago and they were advised by me telling them to stop calling my work that I can not receive them at work. They preceded to argue about it then stated that they would stop and obey my request and the law. 

Well today they did it again. My husband called them and let them know they broke the law. They preceded to try and talk down to him and then stated my entire credit history saying why do I not pay my bills. My husband advised them again that they broke the law and we can take them to small claims court. They went back and forth and XXXX XXXX ( caller ) continued to bring up my credit history.
Product: Credit card or prepaid card

XX/XX/XXXX I paid a merchant {$18000.00} with my credit card, XX/XX/XXXX I sent in a payment to Chase to pay off that charge. I was notified XX/XX/XXXX that the charge on my credit card had been reversed when the vendor 's bank declined to accept my payment leaving me with a credit balance of {$18000.00} on my credit card. I called Chase and requested a refund of that {$18000.00} overpayment. I was told it would be sent in 7-10 days. On XX/XX/XXXX i called them to find out what happened to my refund and after 30 min on hold was reassured that it had not been processed but it would be processed and to wait 7-10 days for my refund. On XX/XX/XXXX i called again to find out why i still did not have my refund and was told I had not responded to some email they were to have sent to me, but admitted it was never sent and so they would now process that refund. It was not sent to me and so I called again and was told by a supervisor that the refund had been 'cancelled at customer 's request '' which was inaccurate - I had asked for an electronic transfer back to my bank, but that was never done and instead it was cancelled. I was then reassured it would be processed and i would receive a refund check mailed to my home in 7-10 days. on XX/XX/XXXX i still had not received my refund and filed a complaint on line with chase rather than calling them again and today - XX/XX/XXXX received my first email from chase saying they would refund my money ( suggesting to me that the 4 prior phone calls did not lead to any resolution or effort on chase 's part to refund my money despite me talking to 'XXXX  XXXX the supervisor. I was told by her they could not send me a refund to my bank and that it would have to be a check mailed to my home and it would take 7-10 days. Today the email from chase asked if i wanted it electronically returned to my bank and i set that up with the email portal. 
It is now XX/XX/XXXX, over a month since asking for my refunded overpayment and I think they have been fraudulently keeping my money without paying me any interest on that money which was mine not theirs. I have asked on 3 occasions for a call from a supervisor to escalate this issue but to date no one has contacted me. They are clearly trying to hold on to all the money they can and delaying refunds allowing them to make money on my money. this must be illegal. 
Please do something - all documents are in their possession, i have none
Product: Prepaid card

I've already filed one complaint on credit karma for this exact matter and the investigation was closed I guess because they responded to it when they really didn't per se respond to the complaint they sent me an email it didn't address the issue at hand it didn't fix anything it literally just stated the same exact information that they've sent me and nothing 's happened since. I've even contacted the company XXXX XXXX XXXX credit karma directed me to and said that the prepaid card would be coming from. XXXX XXXX XXXX has notified me that there is no order for a prepaid card in my name from credit karma point blank. I've researched several other instances where credit karma has given the prepaid card to a few users and it came extremely quickly I'm pushing XXXX months now and in their terms it says that the card must be redeemed within 90 days they're trying to push out the 90-day Mark so they don't have to pay me so they just wait 90 days claim expires they don't have to pay me which is wrong it was a karma guarantee I was not approved and {$50.00} is due to me I don't understand why XXXX XXXX company can't pay a user XXXX bucks that they've " karma guaranteed '' .. that's not good karma in my opinion. And it's been well over the time frame that credit karma stated that they should have sent the order to this company the 30 days of the 60 days whatever it is it's past that so this is ridiculous. 

To attached screenshots is one from credit karma responding to the initial complaint stating that they're providing me a link to choose my gift card all that did was I opened it up clicked it it asked me what kind of gift card I wanted I clicked it and then it said okay we'll send it to you at a later date that's all it did it's not they didn't solve anything they didn't fix anything they literally just did the same exact thing that I've claimed they did from the get go The second screenshot is from the company that they said that they sent the order to for the gift card and that I would receive the gift card from this company and they're stating that they haven't even received an order for the gift card whatsoever so they're literally lying to me if they're told you that they fixed it they are lying to you.
Product: Mortgage

I recently paid off my mortgage from DiTech - PAID OFF - and yet, to this day, DiTech has n't returned my escrowed tax reserve. I 've called - and told it was " in the mail ''. Then there was an issue with " getting the checks printed ''. In short, I STILL do n't have my money. DiTech is holding on to my escrow to this day, and I have no way of knowing if I will EVER get this money back.
Product: Money transfer, virtual currency, or money service

I've been reporting crimes that took place at Robinhood to support and they have been gaslighting me and writing irrelevant responses. Robinhood needs to be immediately shut down and liquidated to repay creditors. Executives like " XXXX '' need to be arrested.
Product: Credit card or prepaid card

I upgraded my credit card from CapitalOne venture one to XXXX last year. After the upgrade, I was offered a promotional rate of 0 % APR until XX/XX/XXXX. I was suddenly charged {$76.00} a few days ago ( XX/XX/XXXX ) even though I paid off my balance on XX/XX/XXXX. I called a representative and they told me the date they had in the system was early XXXX for the promotional XXXX end-date and if I found an email that presented different information, they would waive the fees. I called again after I found the email. I was told that I never accepted the offer and they don't have such a thing on my account. After I found the email, they told me to forward it to the abuse dept. I told them I am a software engineer and this email came from CapitalOne. It has the right encryption and the address of the sender. They later confirmed it did indeed come from there. I wasted a few hours with CapitalOne customer service representatives and it's unacceptable that I have to go through so much trouble when I had clear information about the end date. Attached is an email. I spend about XXXX a year on my credit card, and I have a six-figure amount in my savings with capital one.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/scrub>XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Checking or savings account

XX/XX/2020 - account with XXXX was pu on pause ( meaning no automatic payments would be withdrawn XXXX XX/XX/2020 - account with XXXX was cancelled, despite account being cancelled and on pause, merchant took reoccurring fee XX/XX/2020 - contacted XXXX about fraudulent fee - merchant said they cant do refunds XX/XX/2020 - informed XXXX that fraudulent charge would be disputed with bank XX/XX/2020 - Bank reversed charge and began investigation XX/XX/2020 - XXXX provided all communication to bank showing pause and cancellation as well as fraudulent withdrawal
Product: Checking or savings account

Hi I am having an issue with XXXX XXXX XXXX XXXX. Due to what theyre calling a system glitch my account was charged an unauthorized charge of {$100.00} causing my account balance to display - {$84.00}. They offered nothing but Im sorry for the inconvenience and other customer service level excuses. This is an unauthorized charge that Amex removed from my account without permission. This transaction took place on XX/XX/XXXX and they said cant be returned until XX/XX/XXXX
Product: Mortgage

We applied for a conventional refinance on XXXX XXXX and were pre-approved that day, then paid to lock in the rate and spent hours uploading documents. My income comes from self-employment with over 20 years of history ; and my income had dropped more than 30 % from XXXX to XXXX because I had an unusually busy year in XXXX and then business declined due to the pandemic. Our income was still sufficient to qualify for refinancing - and my income increased substantially this year, documented by XXXX XXXX XXXX XXXX reporting and copies of bank statements showing client deposits for my services. We also have documented assets of more than 7 times the amount we sought to borrow. " Better '' underwriters decided to exclude my income totally, citing compliance with XXXX regulations. I contacted XXXX and learned that they provide guidelines, not regulations. Our credit rating has consistently been in the excellent range ; we have never missed a payment on anything and consistently prepay mortgage principal ; and when I requested a denial letter to send to XXXX, the " XXXX '' staff would not state that they excluded my income. I believe I am being discriminated against because I am self-employed.
Product: Debt collection

The company XXXX XXXX XXXX sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Product: Debt or credit management

I am writing to formally express my dissatisfaction with the services provided by Lexington Law. When I enlisted your companys services a year ago, I was promised specific actions would be taken to improve my credit score and remove inaccurate or negative items from my credit report. However, despite my continued payments and engagement with your service for the past year I have seen no significant changes or improvements to my credit report.

Specifically, I was led to believe that Lexington Law would : Improve credit score As of XX/XX/year>, these promises have not been fulfilled. I have reviewed my credit reports from all three major bureaus ( XXXX, XXXX, and XXXX ), and there has been no substantial improvement in my credit profile. Furthermore, I have received little to no communication or updates regarding the actions your firm has taken on my behalf. 

Given the lack of progress and transparency, I am requesting the following : 1. A detailed account of all actions taken on my behalf since I signed up for your services, including copies of any correspondence sent to credit bureaus or creditors.

2. A refund for services that were not performed as promised, per your satisfaction guarantee and the terms of our agreement.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate 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 highly unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My partner had a checking and savings account at Wells Fargo ( WF ). In XXXX XXXX, he completed and signed the Transfer/Payable on Death beneficiary form that Wells Fargo gave him naming me as the beneficiary on both accounts and hand-delivered to a Wells Fargo branch. He died recently and now Wells Fargo refuses to honor it. 

Here 's what happened ( I know because I was with him ). 

He went to the WF branch at XXXX XXXX XXXX, XXXX VA. He asked for the form to designate a payable on death beneficiary for his Wells Fargo checking and savings accounts. 

Wells Fargo & Company of course being a " community-based financial services company with approximately {$1.00} XXXX in assets '' and " approximately XXXX team members. '' XXXX company, XXXX team for all those financial services. 

The Wells Fargo employee first gave him the wrong form ( one that was for creating a power of attorney ). He asked again. 

Eventually, a Wells Fargo employee gave him a form that said it was a Designation of Transfer on Death ( TOD ) Beneficiary form ( it also said it could be Payable on Death ( POD ) ). They insisted it was the correct form.

He filled it out with all essential information including checking and savings account information in section 1. The form even says " Beneficiary designations will only apply to the account ( s ) as designated in section 1 of this form. '' He properly identified those accounts in that section. And named me as the primary beneficiary. Next to the box that says, " Primary beneficiary : Individual ( s ) or entity ( ies ) who will receive the funds upon the death of all account owners. '' He dated and signed it.

He then hand-delivered the completed, signed form to a Wells Fargo employee , who copied it, gave him back a copy of the form, and said that was all he needed to do. This was in XXXX XXXX XXXX. 

Note : a diligent search of the Wells Fargo website located no other Designation of Transfer on Death ( TOD ) /Payable on Death ( POD ) Beneficiary form. 

After my partner died, imagine my shock when I went to a local Wells Fargo branch to report his death, provided his death certificate and the completed TOD/POD form ( dated XXXX ) only to be told they didn't have a record of it, it was the wrong form, and it wasn't valid. 

The form that Wells Fargo gave him, the form that Wells Fargo said was the right form and when completed and signed, the form that Wells Fargo accepted and said was all he needed to do. Was. not. valid. 

Please advise how I can get this properly processed and the funds in those accounts transferred. The local branch copied both the death certificate and the completed TOD/POD.
Product: Credit card

I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind.