23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have paperless billing. Every month I receive online notices that my statements are available. In XXXX I received the online notices that XXXX of my credit card statements were available. When I logged into my account, the statements showed payments were due by XXXX XXXX in the amounts of {$220.00} and {$36.00} respectively. In response to these statements I made the respective payments that same day, XXXX XXXX. Later that month, I was online and saw that the bills were marked " unpaid. '' I did an online chat ; the representative examined my accounts ; saw the payments ; and replied that the bills were indeed paid and were not unpaid. The following month I received bills that I was past due for the two payments. On XXXX XXXX I went into the local branch and spoke with a local branch representative, XXXX XXXX, who called and spoke with a credit card specialist, XXXX XXXX XXXX, XXXX, CA. in my behalf. She put him on speaker phone and was present as he examined my account and told me that because I paid the XXXX credit card bills on their statement closing dates, and " since [ I ] paid them on the closing date the payments went toward XXXX [ not XXXX ] and technically I made a double payment for XXXX ''. He told me he did n't know why the system generated and emailed me my billing statements on the closing dates and to " never ever pay on XXXX anytime again ... I do n't know why you were alerted on last date of statement ... new software ... still have time to correct it ... you will hear from someone in a week ... two payments made on XXXX XXXX for XXXX billing cycle were applied to XXXX cycle ... '' He told me he would reverse the late penalties ( {$27.00} each ) and until it was resolved, to make payments in the amounts of {$250.00} and {$100.00} respectively until the situation was correctly resolved and payments were applied to the XXXX cycle. I did not receive a call within a week. I went back to the branch and was connected with XXXX, and then her supervisor XXXX XXXX. XXXX XXXX told me there was nothing that could be done ; I effectively made two payments in XXXX. I explained I paid the bills in response to notice from the bank that the bills were due, and for that reason only paid them that day. I explained again that I received online notice of statements being available, the statements indicated I had payments of {$220.00} and {$36.00} due by XXXX XXXX, and in response I made these payments that day, which was XXXX XXXX. I stated that there was nothing on these statements that said do n't " pay them before yet '' -- simply a due date -- and so I paid them upon receipt. She said I paid them on the closing date, therefore they were applied to the previous cycle, therefore the payments did n't count towards the XXXX statements and I was therefore late. I explained that " XXXX XXXX was wrong ; the payments can not be applied to XXXX as intended '' She said the bank must follow the protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handing of disputes, particularly in light of recent CFPB lawsuits 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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scame
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

Investigated on my credit report and found items on there to be inaccurate disputed numerous time for accuracy of report and inaccurate or unverifiable information which violates laws under the 15 US code 1681e b and 1681 ( 5 ) and asked to remove or delete the following items XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for money to expand my current business and create a second location of XXXX XXXX Since XX/XX/2018. I have had at least 8-9 banks pulled hard inquiries dropping my credit score significantly. I wish to have these inquiries consolidated because they are for the same project.
Product: Debt collection

This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around.
Product: Bank account or service

On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank
Product: Credit reporting or other personal consumer reports

I have disputed with this company regarding late payments reporting to my credit report. 

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments. 
According to The Fair Credit Reporting Act all these laws should apply to my credit report as well. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know rgey took over account i brought it up ro date when they called me i payed 60 60 90 90 120 brought all up to date once i found out thanks
Product: Debt collection

XXXX XXXX  is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XXXX from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Product: Credit card or prepaid card

They charge too much interest and they charge me a late fee when I submitted the payment on the payment due date. They didn’t want to help the consumer and I cannot afford to pay late fee of $XXXX plus their ridiculous interest charges meanwhile I do not make any purchases on this card and all I do is make payments.
Product: Debt collection

I am filing a complaint against what I believe to be predatory lending practices by Capital One Bank. I was offered a settlement for an account that had been written off, with a total settlement amount of {$440.00}. The agreement required me to make XXXX equal payments of {$140.00}, starting on XX/XX/year>, to settle the account. 

I successfully made XXXX payments toward this settlement. However, when the third payment was due on XX/XX/year>, an issue with my bank caused the payment of {$140.00} to be returned. I contacted Capital One the same day to resolve the issue and make the final payment. I was informed that the payment plan had broken and that they would need to escalate the case to reinstate the original settlement, leaving only the final payment of {$140.00}. 

Despite following up, I never received a response regarding the escalation. When I contacted Capital One again, I was told that they could no longer honor the previous settlement and that I would need to set up a new payment plan for {$450.00} to settle the account. 

This feels like a clear example of predatory lending, where a financial institution takes advantage of its customers. At a time when people are doing their best to meet their financial obligations in a tough economy, companies like Capital One should not be allowed to exploit these situations. 

I request that Capital One honor the original settlement and allow me to make the final payment of {$140.00} to close the account, or alternatively, refund the XXXX payments I have already made. This situation should be investigated, and I believe there must be guidelines from the XXXX regarding such practices.
Product: Debt collection

I bought something online threw XXXX they offered a store card threw Snychrony Bank. I never received the card or a statement. They reported me as late. And charged me a late fee. Not only am I trying to purchase a house it lower my score over 50 pts so I am unable to go threw buying the house. After speaking with them they removed the late fee but I need them to change that I was never late.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was on Autopay with TD Bank XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including T.D bank so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Product: Mortgage

Cardinal financials neglected to pay my taxes even though it's and FHA and I ended up paying the taxes out of my pocket. They are assured me on multiples call that I made that I will be refunded my money by the latest XX/XX/2021. Now its XX/XX/XXXX and they are now saying they cant refunded it at the moment.
Product: Debt collection

XXXX 2017 I contacted National Credit Systems out of Georgia regarding a debt they claim I owe to an apartment complex. I spoke to several people there that used profane language and stated " it does not matter what I do, its not coming off my credit report until I pay '' They also stated they are not required to and do not have to provide me with the original creditors contact information to dispute after asking several people in their office. I have contacted the supposedly creditor using published phone numbers however they have no record of me owing them anything but also mentioned they are maybe the 6th owner in a few years. I also have an email referencing this. The collections company was made aware of this and still refuse to provide the creditors info so I can dispute. The paperwork that was sent to me came from XXXX XXXX XXXX XXXX XXXX XXXX however that 's not what is on my credit report and paperwork shows a XXXX balance however they are still going forth with collection efforts and no contact info for the original creditor. This has caused me not to be able to obtain residency and is forcing me to maintain current residency which I can no longer afford. If this is not resolved soon, I will be forced into a homeless situation.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, EQUIFAX and XXXX removed my paid in full : account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting this account to both EQUIFAX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, I in writing requested that XXXXXXXX XXXX XXXXXXXX, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account was DELETED from my EQUIFAX, and XXXX credit reports. I did not authorize or request the deletion of the XXXXXXXX XXXX XXXX XXXX  account. I contacted XXXX on XXXX XXXX, XXXX and requested that the XXXX XXXX XXXXXXXX XXXX account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called EQUIFAX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact XXXXXXXX XXXX XXXXXXXX XXXX and request that the creditor place the account back on my credit report at EQUIFAX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( XXXXXXXX XXXX XXXX  ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by XXXX XXXX XXXX At this time. The XXXX XXXX XXXX XXXX  is currently missing from both my EQUIFAX and XXXX credit reports. The account was removed from my credit reports without my consent. The XXXX XXXX XXXX had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Product: Credit card or prepaid card

I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. 

Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.
Product: Mortgage

In XX/XX/XXXX, while filing income tax my mortgage interest statement listed a refund which was considered income in the amount of {$28000.00}. When I contacted CitiMortgage about this, I was told that I was overcharged interest from XX/XX/XXXX-XX/XX/XXXX, and that this amount was the refund and CitiMortgage decided to apply it directly to my principal instead of sending it to me. When I asked the supervisor why I wasn't given the choice, I was told it was CitiMortgage 's accounting practices and that this is how it worked. So, now my anticipated refund has become a unexpected expense all of a sudden that I was not prepared for. I consulted my attorney ( XXXX, XXXX XXXX   XXXX ) and sent them my mortgage documents that proved I should have been at the very least given a choice in the matter. My attorney wrote CitiMortgage a letter dated XX/XX/XXXX, requesting the refund on my behalf.

On XX/XX/XXXX, I spoke to another Supervisor at CitiMortgage named XXXX ( ID #  XXXX ) - He informed me that a case ( # XXXX ) was opened concerning the letter my attorney sent but was apparently closed on XX/XX/XXXX and he suspected it was because the case # should have started with a # XXXX ... and the " back office '' did not process the request because it was incorrectly put into the system. He then told me that he would send an email and to the remediation department and that he did in fact see my attorney 's letter in my file. 

On XX/XX/XXXX, I contacted CitiMortgage for an update on my case, I spoke with Supervisor XXXX ( ID # XXXX ) she tells me that because it's a weekend day, that she was limited in helping me, however, she did see that XXXX had since received a reply from the department he had emailed and that a case number ( # XXXX ) was assigned to my case and was sent to Special Loans on XX/XX/XXXX and expected to close by XX/XX/XXXX. She advised me to call during the working week and speak to a supervisor and to have my request escalated to the next level. 

On XX/XX/XXXX, I spoke with Supervisor XXXX ( ID # XXXX ) and requested an escalation to the next level supervisor. She kept me on hold for about 30 minutes and then kept insisting the amount was an overpayment and was applied to the principal. She said she was noting my account and she was going to have Supervisor XXXX contact me. To date, no contact has been made by Supervisor XXXX or any other supervisor at CitiMortgage.
Product: Checking or savings account

I received a promotional mailing offering {$700.00} bonus for new-to-citibank customers to open an account Of {$50000.00}. You had to deposit {$50000.00} within 30 days. Maintain combined balance for 60 days. Cash bonus to be credited within 90 days. 
I deposited {$1000.00} to checking & {$49000.00} to savings on XX/XX/XXXX. I have not touched money since that point. On XX/XX/XXXX I received {$100.00} promotional rewards credit for referring a person to open an account. 
As of this date I still have not received my {$700.00} initial bonus, XX/XX/XXXX. 
I made a call & spoke to XXXX XXXX on ~XX/XX/XXXX. She assured me it would be credited. 
I went in to XXXX XXXX NY office on XX/XX/XXXX & saw XXXX. She said back office is reviewing & would be resolved. I called XXXX again on XX/XX/XXXX. The {$700.00} has still not been credited. She said her branch office manager XXXX would contact back office & get back to me. 
I have not received a follow up call as of yet.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding XXXX XXXX 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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX  to XXXX   and TransUnion XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

XXXX SC : XXXX Transunion SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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