23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my property in XXXX XXXX. The originator of the loan was XXXX XXXX XXXX and the loan was provided by XXXX XXXX XXXX. The loan was broken into two 80/20. The loan officer at the time illustrated to me that i was getting into a 30year mortgage with no prepayment penalty after 3years of no delinquent payments. My prime concern then was to be able to make accelerated payments when possible.The loan was then distributed to two different sevicers : XXXX XXXX who later transfered it to chase and XXXX XXXX.Chase took over the 20 % part of the loan and forwarded to me a welcome letter in which they failed to mention the maturity date and also continue to not mention it in any of my billing statements for 14and half years ; it was not until last XXXX they conveniently sent me a reminder of the balloon payment and maturity date. The servicer of the 80 % loan always included the maturity date on every bill which continue to reinforce to me that i was in a 30 year mortgage. Mind you i had no reason to believe that one lender could package one loan with different maturity dates without explicitly stating so to the borrower and there was no addendum to the contract.This reminder caught me by surprise as i had no reason to initially believe that a loan been provided by one bank with emphasis on 30-year maturity date will end up been just for the 80 % portion of the loan and the 20 % term was of a different date. The front cover of the loan clearly stated 360-months, this cover also included the 20-percent portion of the loan and there is no where on that form where the 20 % was designated to be a 180-months loan, and throughout the term of the 15-years period i was not reminded of the balloon payments due in XX/XX/XXXX. I was reminded of this in XXXX of last year that my balloon payment is becoming due in may.Upon closer observation of the contract I detected in fine-print the 15-year maturity date which only appears twice in the whole 40 something page contract. And ever since i have been getting different information from representatives of Chase bank about the maturity date of my loan because on their system the front part of the loan is what is displayed, i was even sent an amortization papers stating XXXX as the maturity date, which is whats on the front cover of both loans. So if their own representative can be confused about the maturity date, you can see why i was too. 
I have been paying my monthly payments on time for the last 15 years. I personnaly feel this is a predatory lending practice. Up to date i have paid close to 60,000 dollars from the initial borrowings of XXXX.And the only principal deducted was a little less than 4,000 dollars bringing my balloon payments to XXXX. This might as well be an interest only loan. 
I sincerely hope your input and service will able to iron out a reasonable resolution to this complaint. I will upload supporting documentation to help you make a judicious advocacy on my behalf.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXXXXXX # XXXX
Product: Checking or savings account

I'm filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this smatter to ensure my rights are upheld. Thank you.
Product: Bank account or service

I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I XXXX money to a friend using the Fifth Third Bank app. 
I XXXX {$500.00} and then another {$500.00}. Then on XXXX XXXX XXXX  I again used the Fifth Third Bank app to XXXX {$1000.00} to the same person. I again, on XX/XX/ used the Fifth third bank app to XXXX {$1000.00} and on XXXX XXXX XXXX  I used the Fifth third Bank app to XXXX another {$1000.00}. All these transfers were to the same person and were sent the same way. The last transfer of {$1000.00} was not received by the friend of mine. I provided the bank with proof from my friends bank that they had indeed received the other payments but not the last {$1000.00}. In talking to the Fifth Third Bank staff, twice it was told to me that all the payments had " received '' by them EXCEPT for that last transfer. It only was tagged as " sent ''. This was their app that I used. I pressed the same button on the app that was the name of my friend with her phone number as the id. The staff at Fifth Third verified the phone number was the same on all transactions. 

Fifth Third Bank is refusing to give me back the last transfer of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

I had two checking accounts with Citibank ; one for myself and the other for my XXXX  son ; no fees were associated with this account, and if they were, they were reversed/waived. 
I closed my account maybe 2-3 years ago. My sons account had a total of XXXX XXXX in it. 2-3 years later, with no activity on the account, and Citibank is added fees saying that I owe. Total now is over {$30.00}, I believe. 

I asked, when I was a customer do they close accounts due to inactivity. I was told no now I see way. 

This is a clever way to steal money from consumers. 

I asked if the elder customers experience this as well. There was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report which they claimed they verified through lexis nexis. lexis nexis does not have a bankruptcy reported on my file, there for there is no way for them to have legally validated and verified a bankruptcy. They were given 15 days to delete the reporting and are coming close to the deadline
Product: Debt collection

Good afternoon, I strongly believe I have been targeted by a loan XXXX  company that has been deducting money from account without providing me any documentation or anything that I signed. 

I had my bank block them from deducting any further money from my account since it has now been XXXX weeks of me requesting a callback or to pay off the balance via phone and I have not received a single phone call or email. Fact, I have forwarded this email chain of proof of how they are avoiding me. Whenever I call the number provided, they take my information just for them to tell me someone will call me later and again, never received a call. 

Any help in resolving this issue would be greatly appreciated. I have NEVER been in a position of collections as I am good with my finances and I have been trying to get more information/pay off this loan XXXX  and they are purposely postponing/not allowing me to do so. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX.

I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX   this company is in violation, they are out of compliance.

Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Vehicle loan or lease

I need help because Prestige Financial has caused me major financial harm due to their unfair and deceptive business practices due to their required usage of a GPS payment protection device they put on my car which causes the vehicle to not start. I made my final loan payment on XXXX and paid off my car. I advised them my vehicle would not start a number of times throughout my loan history even though i was not delinquent. This caused hardship in getting to my XXXX appointments. On XXXX and XXXX my vehicle would not start and I had a text exchange with customer service rep XXXX who said she was an XXXX  ( See screenshots of time and date of exchange ). I asked her if they were going to send someone out to remove the device off my car since i wasn't delinquent and had scheduled the final loan payment. XXXX advised they will not send anyone out and that i had to remove the box myself. I asked why? You sent someone out here to put it on so why am i required to remove it? At that point XXXX emailed me directions for removal. The car continued not to start even after she said there was no signal going to the car because they had " turned it off in their system. Since i have to get to XXXX appointments and XXXX and i am off on XXXX, I need my vehicle to start to not interrupt my scheduled XXXX and XXXX appointments. I had to spend money i did not have on a tow truck to have my car towed to the dealership. It cost me {$120.00}. The dealer diagnostic confirmed the car wouldn't start because of this stupid GPS tracking payment protection device. ( Please see dealership invoice {$460.00}. So now i am out {$580.00} because of their faulty box which they refused to remove. Prestige was fully aware of my XXXXXXXX XXXX as i told them when i was diagnosed and facing hardship and worked hard to still get the money to pay my car loan. On XXXX i received a letter dated XXXX ( see attached ) from Prestige saying they would remove the device at no charge. I called on XXXX and spoke to a XXXX and told him to review my account and explain why XXXX told me via text on XXXX and XXXX i had to pay to remove myself. XXXX gave me a bogus email to submit my text exchange and invoices from dealership and get tow truck receipt. I called today XXXX and spoke to XXXX who told me there was no letter they sent. I told him i was looking at the letter and its dated XXXX. I am filing this complaint because of their deceptive and abusive practices. I am a XXXXXXXX XXXX how dare they take advantage of a XXXX person and cause me grave financial harm. This should be a crime and its already proven these payment protection GPS devices are dangerous and have caused accidents and damage to cars. I want to be compensated and i want Prestige investigated to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 a. states I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose View full complaint
Product: Checking or savings account

I opened a savings and checking account in mid XX/XX/XXXX. The terms of the deal I opened the accounts under was that {$15000.00} in new funds needed to be deposited within in the accounts and maintained for 60 days at which point a {$400.00} bonus would be paid by Citi. I funded the accounts with over 15k and have never removed any money so the accounts as they currently stand still have over 15k in them. 

I helped my parent 's open accounts under the same terms and they received their bonus a couple months ago. Just as a note I do not live at the same address as my parents nor do we have any co-mingled funds if that matters. After waiting the full length of the advertised period that Citi has to fund the bonus and having not received the bonus I contacted customer service via chat. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat and was told that the bonus will post no later than XX/XX/XXXX. The bonus did not arrive by the XXXX. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat who said that the bonus should have arrived that week. It did not and so he opened an investigation case stating that the case can take up to 5 business days to be resolved. 

It is currently XX/XX/XXXX and I have not received the bonus or any further information from Citi even though the 5 business days is long since passed. 

I understand that delays can occur and am simply looking to receive the bonus earned, but have had no progress from working with the company directly.
Product: Checking or savings account

I was unwittingly tricked into transferring money thru XXXX to XXXX a trusted company! I spoke with just about everyone to resolve and no one helped me. I just started my own business and they scared me into to turning off my service! With customers at the shop I couldnt afford that! Please understand me during this difficult and crazy time being a XXXX XXXX XXXX!! Now that Ive complained XXXX has added XXXX New pop ups reassuring transactions being made! Reassuring that the person that is receiving the money is signed up for the program!! This is not fair to me! I have recent pics of new changes if needed
Product: Credit card or prepaid card

We pay our bill on or around the XXXX of the month, as I'm on XXXX XXXX. The invoice usually comes on or about the XXXX. The interest charges are all over the board and we paid {$2.00} short a few months ago. When we got our statement, it was, for some reason higher by the {$2.00}. We called the company and and spoke with a man named XXXX. He said he would wave the {$27.00} late fee. At that point we agreed that what we had paid, was {$3.00} more than what it would have been. The following month we recieve a new statement which shows a {$27.00} credit but an additional charge of {$38.00} dollar late fee. We called the Company,  Capital One, again. They informed us the last person did not have the authority to adjust the payment like he dis, and the {$38.00} late fee was for the origonal {$2.00} from the previous month. What that boils down to is this, They want us to pay an additional {$38.00} dollars above what the invoice should have been than wait for them to deduct the difference from the next statement. This, in my opinion, is just another way of collecting additional interest by using late fees to raise the balance of the card. Also when you do what they say, its not followed on their part. the excuse they give, is the system doesn't do it that way. How many folks are they stealing from by these types of business practices. 
I hope you can help.
Product: Checking or savings account

Dear Sir or Maam : I need your assistance I, XXXX XXXX am a customer of the Chase Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IA XXXX I opened a checking account XXXX of 2023 I was told by personal banker because I posed a risk to the bank I had to have a secured checking account. I explained I was a military veteran and I requested to be converted to monthly free of fees XXXX XXXX Plus account. The personal banker did not indicate what risk I posed? I explained my wife and I have an unsecured Chase Bank XXXX credit card with a credit line of {$25000.00} it didn't make logical sense I would have to pay a monthly maintenance fee of {$4.00} Also, I have direct deposit from employer utilized the checking account responsibly and I meet financial obligations to the bank. 
The personal banker indicated she would forward my information and have someone call to discuss options. To date I never received a call and this month I received a {$4.00} fee. I am requested to have all fees waived and converted to a XXXX XXXX XXXX account. 

Thank you, Sincerely, XXXX XXXX
Product: Debt collection

I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. 
invoices from XXXX to my address mentioned above. 
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.
Product: Debt or credit management

On XX/XX/XXXX I subscribed to companies credit boost, I was {$14.00} for a one month subscription. 
Later that day I had seen no results or update on my subscription. I emailed them and received no response. 
The bank account I had linked to the payment had been closed due to a divorce so I let it go. It is now XX/XX/XXXX and I have emailed them once again. 

They were updating my account and they were all via automated text : On XX/XX/XXXX : TomoCredit : Subscription Alert. 

Your TomoBoost subscription renewal failed. 

Resolve now : XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I was notified every day until XX/XX/XXXX when it changed to : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score.

https : //tomo.credit/paused Reply HELP for more information. STOP to unsubscribe. 


That happened everyday until the XXXX when I received this message : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score. XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I received that message everyday until this past Thursday, XX/XX/XXXX when the messages began to say TomoCredit : Urgent - Upcoming Termination! 

Your TomoBoost account is scheduled to be terminated soon. 

Closing a line of credit may negatively impact your credit score.

Resume XXXX XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 


I never once was able to find a phone number to talk to a real person to cancel the subscription or even ask questions. and when you would reply help to the automated text it would just reply with : Reply STOP to unsubscribe. Msg & Data Rates May Apply. 


My credit score has not been impacted that Im aware, but I am afraid they will negatively impact it if it continues. 

Attached is a photo of where I was charged for the service and one is of where they said that my card was on the way. I never received any kind of card from them. 

Every day they would send me at least 2 emails talking about signing up for the subscription I had already paid for but never received services for.
Product: Vehicle loan or lease

Last XX/XX/XXXX, I acquired a car through the financial company. The amount that was agreed to pay was {$17000.00} plus the XXXX that were given in the firm a total of XXXX 1 car of XXXX excessive but we accepted After two years and seeing the need not being able to pay the car a year and a half we decided to return the company, he offered the possibility of giving it to him to sell it at auction and thus be able to reduce the debt To call to let us know how the situation is. The surprise is that they tell us that that {$20000.00} car was sold for XXXX, we understand that it is a scam and also that the debt we have with them amounts to {$25000.00} as it can be after paying {$7500.00} of the XXXX and the car and even seeing the double they tell us that the problem is that the interest is more than 25 % which they never explained to us We understand that We can pay our report. It's damaged. They don't want to sell us more cars at any dealership and the only solution they give us is to make a five-year payment plan and continue paying interest. Honestly, a scam and abusive