23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon CFPB representative : I really apologize for having to address this same issue yet again. It has not been a full month since my last complaint. I put in a complaint on XX/XX/XXXX. The complaint # XXXX. Well, I paid my Wells Fargo mortgage through bill pay from XXXX XXXX XXXX for XX/XX/XXXX. It was documented on my account statement ; BUT, the additional cash payment of {$1400.00} that i made in the bank on XX/XX/XXXX was documented on my statement as unapplied {$1400.00} and not towards the principal as I clearly stated to the representative in the bank and when I called into Wells Fargo that same day to notify the bank that the payment would made for XX/XX/XXXX for the mortgage as well. So, the total amount I provided to Wells Fargo for XX/XX/XXXX was {$2700.00} ; {$1300.00} for standard mortgage payment + {$1400.00} cash additional principal payment. Again, I apologize for complaining about this ; but, I want this matter adjusted and corrected immediately. Thank you for taking the time to listen to my complaints. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was using the personal financial management application XXXX XXXX. The app offered to show auto loan refinancing options. The app also has credit score and personal information to customize offers for credit cards and other financial opportunities. 

In the auto loan refinance : the app showed my current terms, rate and payment information. It then showed multiple offers from different companies where I could save money. After reviewing several of these across a number of situations lower payment vs. lower rate vs. longer term, I selected an offer that was attractive to my situation. It was slightly longer term in months, had the lowest interest rate, and overall reduced the amount of interest. 

After applying, I was offered a chance to complete the loan application. I connected with a loan specialist on a recorded line. The representative from XXXX  explained that they have 120 different banking institutions working for Autopay. Then I started to get worried since it sounded like the terms of the original offer were not already pre-approved. It was feeling like a bait and switch. 

The rep collected information to get the blue book value on a XXXX  vehicle. This was another flag for me, since the value of the vehicle was now under question. They had the vehicle information in XXXX XXXX. I further expressed my concerns. He assured me that my credit was good, but the value would impact the rate of the offer. I now was highly skeptical since that whole deal was in question, but he thought he could get me a quick response : 20 min. The rep had to contact the lender to understand what the value should be used on the vehicle. 

While still concerned, I mentioned that the rate advertised was good enough and if this worked out, I wanted to consider another refinance opportunity during the initial call. 

When I was called back : my concerns were validated. Not only had the terms drastically changed, I was being offered a rate more than what I have today. Also, the terms were extended to 84 months. Overall, the payment dropped less than {$100.00}. This was all breezed through by the rep to then offer me additional opportunities : like gap insurance and vehicle protection plan : which the rep highly recommended for my vehicle. 

I stopped the rep to review the key terms and ask why the drastic difference between what was offered online and now in the process. I was told that there was a fictional bank in XXXX  that may have that rate available, but since I am in a different region : I am not eligible for those terms. Furthermore, I countered that it doesn't make sense to offer someone rates when they know my address before the application is even started ( in XXXX XXXX ). This information is prefilled into the form. 

I was told both calls are on a recorded line. We also had a chat via text message. 

The vehicle value was also in question. I was told I was financing 105 % of a XXXX  vehicle with only XXXX or so miles. The window sticker is over $ XXXX. XXXX value is $ XXXX to $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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
Product: Credit reporting or other personal consumer reports

Transunion said the account came back verified but the information was inaccurate.. Transunion keep reporting charge off accounts to my report and the payment history is inaccurate.. These are the accounts.. XXXXXXXX XXXX  XXXX : {$2700.00} XXXX. XXXX XXXX XXXX : {$370.00} XXXX. XXXX XXXX Amount : {$260.00} Under section 15 USC 1681 B all information should be reported accurate if not the CRA should delete or remove.. XXXX has already been sued for these items and they removed them as well .. All accounts thats been closed and charged off XXXX been charged off only XXXX time but you guys charged it off every month.. Which make those late payments inaccurate.. Also theirs certain dates on my credit reports thats inaccurate.. XXXX. XXXX XXXX reported I was late for 30 days on XXXX same months .. XX/XX/XXXX, XX/XX/XXXX shouldve been 60 days for that month and XX/XX/XXXX which shouldve been counted as 90 days.. XXXX. XXXX XXXX Reported I was late for 30 days for XXXX of the same months.. XX/XX/XXXX and XX/XX/XXXX which shouldve been 60 days late payment XXXX XXXX XXXX reported I was late for 120 days for XXXX of the same months.. XX/XX/XXXX and XX/XX/XXXX which suppose to been 150 days late..
Product: Vehicle loan or lease

I received a call from the creditor and they told me if I go and retrieve the vehicle, they would stop reporting the negativity on my credit report. I flew over to Texas and picked up the vehicle and when I got there, they already had the vehicle in process to be auction and did not notify me of that. If I had known that, I would not have wasted money flying over there to pick up a vehicle that was already in someone possession. Now know one knows where the vehicle is and it hits my credit report every month hard.
Product: Debt collection

After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
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
Product: Credit card or prepaid card

I initiated a balance transfer to send XXXX from my Barclay credit card to my XXXX XXXX XXXX equity line of credit on XXXX. It is now XXXX and I still have not received the balance transfer and every time I call they say they will investigate and refuse to send any proof that the balance transfer was processed. XXXX XXXX has asked for proof several times either a transmittal number or a cashed check. Barclay has not sent anything.
Product: Mortgage

We drew our HELOC in XXXX. First interest payment was due XXXX. Old bank account was linked to Citizens and payment failed. I called to ask for help getting new payment method set up and payment submitted. They helped me set up autopay, not to cover the now late payment. 

Got a notice it was overdue - husband called on XX/XX/XXXX and gave new bank account information and submitted payment verbally. 

Got a notice on XX/XX/XXXX that didnt go through. Spent 90 minutes on the phone with customer service over 4 separate phone calls including : XXXX different stories on why payment on XX/XX/XXXX didn't go through ( bank account closed, bad account number given, improperly submitted online ) all of which they later acknowledged weren't true refusal to put us through to a manager Attempt at convincing us to NOT request the tapes for our prior phone calls inability to explain how we now owe over {$1400.00} in interest payments on a {$900.00} payment. Couldn't explain rate, when it accrued etc. 

This seems like they are tryin to get us to miss a payment so they can charge us unfair and exceptionally high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer credit report AND file from Transunion. They responded with a stall tactic refusing to comply with my request. Transunion is in violation of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

It's showing inconsistent delinquent account on my transunion and experian credit report. i went on my account on XX/XX/year> and noticed 4 delinquent account reported by XXXX XXXX XXXX for one in the amount of {$12.00} and the other in the amount of {$13.00} with these accounts XXXX i had already paid these accounts and was Never Late so the delinquencies are inaccurate and not complete and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Product: Checking or savings account

On Friday, XX/XX/2022, I was in the XXXX of XXXX, XXXX doing some shopping. I withdrew XXXX Euros from an ATM machine. Realizing I needed more money to leave tips for the housekeeper, etc. at the villa we rented ( we were departing the morning of XX/XX/XXXX ), I attempted to withdraw more funds from the same machine. I performed the action and attempted to withdraw another XXXX Euros, but the machine wouldnt expel the cash and the alert on the screen of the machine stated that I had reached my limit of withdrawing funds. Later that evening while my family and I were at dinner, I attempted to withdraw funds ( XXXX Euros ) from another machine in XXXX. That machine also would not disperse the cash and another message was on the display screen stating that I had reached my maximum daily withdrawal. I was under the impression that the reason I couldnt withdraw the funds at the machine earlier in the day was because that particular ATM had a limit and I passed it. I didnt realize that my bank account was limited to a daily maximum for withdraw. 

When I returned to the US, I checked my account balance and noticed that my account had been debited for the two attempts I made in XXXX. I called Customer Service and made my complaint. The complaint was denied. I called again to dispute the decision, and my account showed a provisional credit. I assumed the matter had been settled. Upon checking my balance again, I saw that one of the provisional credits had been reversed. 

I would like to reiterate that I did in fact ATTEMPT to withdraw those funds while I was in XXXX. However, the machines DID NOT DISPERSE THE CASH. I am not and never was in possession of the {$790.00} that was debited from my account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

*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  These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

USAA FEDERAL SAVINGS B XXXX Balance {$5800.00} ;
Product: Debt collection

I found a debt collector under the name of I.C. System, Inc. on my experian credit report, attempting to collect a debt for " XXXX XXXX XXXX ''. I have no knowledge of this debt. They have not sent me anything in the mail to make me aware of the debt, nor have they tried to call. I disputed this through XXXX, but they reported that they have confirmed the debt. How do you confirm a debt and I have not heard from anyone about this at all and have no knowledge of any of this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX XXXX XXXX  as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take immediate action to remove the fraudulent inquiries from my credit report as I did not authorize them, and they are causing me a great deal of distress.
Product: Consumer Loan

My question involves a consumer law issue in the State of : Louisiana I recently financed a vehicle at a dealership with a co-signer. The agreement was for me to be the buyer and my mother to be the co-signer. Recently my mother received all the information for the car license plate, payment, etc. And it has her listed as the buyer and me as the co-signer which is incorrect. How can we get that fixed? The dealership says it does n't matter who name is first it 's the exact same thing. We will be more comfortable with me as the buyer since I 'm the one making payments to help improve my credit score. Once asked about switching it to the correct way. Seller says it would increase my monthly payment by {$100.00} if I get put as the buyer. Do anyone has any insight on this?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Inquiries below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a capital one XXXX  credit card that ends in XXXX and I Locked this card back on XX/XX/2022 because I lost the card and I did not want anyone to use it until I find it so I locked the card online by logging into my account and locking the card. So on XX/XX/2022 I was shocked to see a charge posted from XXXX for XXXX dollars dated XX/XX/2022 but the card was LOCKED on that date so how did someone manage to use it at XXXX or how did XXXX charge my account without my authorization and without my permission and with the card LOCKED. that same charge was declined on XX/XX/2022 from XXXX since my card was lost and I locked the card so nobody can use it. I called capital one credit card and I told them that there is a charge from XXXX on XX/XX/2022 for XXXX dollars which I did NOT authorize and I do not know anything about and that same charge was declined on XX/XX/2022 because I had locked the card since I lost the card and the card is not in my possession. XXXX managed to commit fraud and charge my card XXXX dollars while its locked and capital one credit card company helped XXXX. The card is locked so XXXX can not charge my credit card and NO transaction should go through from any company or anybody. I want a permanent credit for the XXXX dollars from capital one since this is fraud from XXXX and from capital one. The card has been locked for more than 22 days and NO transaction should go through. XXXX and capital one should give me a refund and a credit for the XXXX dollars and especially capital one since I am their customer and they have fraud protection against unauthorized transactions. I never made that purchase or charge from XXXX or any company since my card was lost and I locked it so nobody can use it. Capital one needs to refund me my money with a permanent credit for XXXX dollars.
Product: Credit card

They told me the payment didnt go thru so I paid with another card and a week later the payment they claimed didnt go thru was processed and it sitting on a closed account as a positive amount. When I ask when they will issue my refund they tell me the account was sold to someone else but refuse to issue my check. I have screenshots of the conversation.its a Fortiva Credit Card.
Product: Money transfer, virtual currency, or money service

I have reached out to Santander Bank multiple times to help me validate if a transaction in genuine or not. Santander Bank refused to help and I am a victim of a scam. If was information that they could easily track but refused to do so. This caused me to be victim of a XXXX scam.
Product: Debt collection

XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL
Product: Checking or savings account

My Ally Bank CD matured on XX/XX/2023 in the amount of {$170000.00}. Ally Bank was notified on many occasions, both oral and written that I will be closing my CD at maturity. The written and oral correspondence to close my CD is immense and started on XX/XX/2023. Instead of closing my CD, Ally Bank renewed my CD. Ally Bank has not corrected this matter, even though the written documentation between us states otherwise. On XX/XX/2023, I asked Ally Bank to have their supervisor with authority call me to resolve this matter immediately, no call to date.
Product: Vehicle loan or lease

I am pending a lean request waiver on my old car so I can put vehicle plates on my new car. I purchased my new car XXXX XX/XX/2019. My first complaint was XXXX XX/XX/2019, and I hace complained to the bank once per week since. They have failed to provide the lein request waiver, and do not document our conversations in their system. Everyone I speak to is 'Sorry ', but nothing has actually been done to help this situation move forward on the Bank 's side.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON OR ABOUT XXXX XXXX, I MADE AN AUTO PAYMENT WITH THE CURRENT COMPANY. APPROXIMATELY 2 WEEKS LATER, I MADE XXXX AUTO PAYMENT. I CHECK MY SCORES EVERY DAY AND NOTICED NO CHANGES. I THEN NOTIFIED THE COMPANY ABOUT GIVING ME CREDIT FOR EARLY CREDIT. I WAS THEN TOLD THAT THEIR COMPANY REPORTS TO EACH CREDIT AGENCIES A FEW DAYS AFTER THE DUE DATE OF EACH MONTH. AS OF XX/XX/2020 I HAVE STILL NOT SEEN A CHANGE IN MY CREDIT FROM ALL 3 CREDIT AGENCYS.
Product: Credit card

I received a letter in the mail dated XXXX XXXX, 2015 from XXXX Synchrony Bank asking for me to call an XXXX number to confirm an application for a credit card ... I have never applied for a credit card for XXXX ... The letter is signed Fraud Prevention but it does not appear legitimate and once again I never applied for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and unauthorized reporting on consumer report
Product: Checking or savings account

This for my Citi bank tryna figure out why the credit was reversed a few months ago