23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a complaint regarding my XXXX  XXXX XXXX XXXX credit card ending in XXXX, linked to my corporate account ending in XXXX. XXXX of the annual benefits of this card is the " Earn another XXXX  's XXXX XXXX XXXX ( {$99.00} fare plus taxes and fees from {$23.00} ) each account anniversary after spending {$6000.00} or more on purchases within the prior anniversary year. '' I opened the card ending in XXXX on XX/XX/XXXX, and put more than {$6000.00} in spending on that card between XX/XX/XXXX, and XX/XX/XXXX. However, I noticed that my Alaska XXXX XXXX for spending {$6000.00} in a given cardmember year never posted. 

I have called in several times to resolve this issue, speaking to : XXXX. XXXX XXXX Bank of America representative ) on XX/XX/XXXX, who created a case ( # XXXX ) with the case type being airline companion certificate escalation. I never received an update on this case. 

XXXX. XXXX ( another Bank of America representative ) who informed me that I should see my certificate post on XX/XX/XXXX. However, this did not happen. 

XXXX. XXXX XXXX Bank of America representative ) on XX/XX/XXXX, after I noticed my certificate did not post on the date XXXX mentioned. XXXX had no update on the previous case but created another case with me ( # XXXX ). 

Some of the agents I spoke to directed me to contact XXXX  XXXX, which I did. However, XXXX  XXXX informed me they couldn't help unless my name was on a list that Bank of America sends to them, at which point XXXX  could issue the certificate. 

Due to feeling as though Bank of America was not honoring their cardmember benefits for this card and the representatives not being helpful in providing a status update on my missing XXXX  Companion Fare, I closed the Alaska card last month. 

I am XXXX XXXX. I am seeking assistance in resolving this matter and ensuring that I receive the Companion Fare benefit I am entitled to. Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

Under Wells Fargo auspices, I led to believe I was making a transaction into a dummy account to stop payment and return wired bank transaction money from foreign country..
Product: Mortgage

Original Instrument # XXXX dated XX/XX/XXXX was modified on XX/XX/XXXX by Ditech. During modification the instrument number was recorded incorrectly by one number # XXXX. When this lien was paid in full the wrong instrument number was released. I have provided property reports and documentation from the XXXX County Recorders Office several times showing the lien was still in place. I have been in contact with Ditech since beginning of XXXX with XXXX resolution and no contact names will be given. I have attached several correspondence emails and documentation to get this resolved. Letters from Ditech dated XX/XX/XXXX shows they are working on the issue and I received another from XX/XX/XXXX not resolved. I spoke to XXXX, XXXX, XXXX, and XXXX who was supposedly a supervisor. I also emailed information directly to the lien department with no response.
Product: Vehicle loan or lease

I bought a car at Honda and financed a loan with Honda Financial Services. Honda Financial services failed to informed me the interest on the loan will be variable. Honda Financial services has not send me a paper statement, and after 2 years I come to find out that my car loan has a variable interest. Please help me resolve this matter.
Product: Consumer Loan

I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.
Product: Credit card

I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 transaction 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 scams.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX XXXX XXXX, when I needed a XXXX XXXX XXXX XXXX  to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX XXXX directly to XXXXXXXX XXXX customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXXXXXX XXXX XXXX account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX  and weeks of bed rest then a XXXX XXXX XXXX XXXX XXXX XXXX in my XXXX resulted from the XXXX and time I was XXXX. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.
Product: Debt collection

I am receiving automated calls on my cell and at work with the threat of a pending wage garnishment. I have no lawsuits filed against me and no pending wage garnishments. The call says to wait on the line and an operator will help you, but when you wait on the line, the call ends after 30 seconds or so. No one comes on the line and no one identifies the company name in the calls. The phone number making the call is XXXX. I wrote to KCI to dispute the debt they are trying to collect on, and never received a response from them.
Product: Student loan

I am opening up another complaint to further my previous complaint that was closed - I opened a complaint how I asked for options repaying my account in 2020 and was provided no options other than repay account or go into default if missed. I wrote my entire complaint out under XXXX and Navient responded saying that they made a mark on my credit report that I denied not paying in 2020 for 3 months. The actual complaint I have that seems to be missed here is that I called Navient at the height of the panademic in 2020 because I had to find new employment and I was told to either pay or go into default from not paying loans. Those were the XXXX options I was given. The issue wasn't that I am saying I didn't not pay - the issue is that I HAD to fall behind and was offered no options from Navient. I would assume if you run into financial hardship a company financing loans would have options to offer but they did not and that is what my initial complaint and this complaint are about- the fact that I had no choice because of having no employment that I called Navient to see what options could be offered and I was literally told there were no options for my student loans. This is almost $ XXXX payment and they were able to offer XXXX options for repayment during pandemic/finanicial hardship due to pandemic. It seems highly unfair that there were XXXX options offered and now as a result- I am trying to consolidate loans to actually be able to pay off these loans that are almost at a 20 % interest rate and I can not consolidate due to negative remarks from missing those handful of payments in 2020. That is what my complaint is about.. not saying I paid those months I missed. It's also highly unfair that I now have some remark on my account that I refuted saying I missed payments. I understand it's my job to reach out to the company - and I did and was offered XXXX options. Now as a result I am unable to consolidate these loans and get out of predatory lending practices to actually be able to pay off these loans.
Product: Credit reporting or other personal consumer reports

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, Transunion, XXXX, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.
Product: Money transfer, virtual currency, or money service

I received a phone call from XXXX ( XXXX ) XXXX letting me know they were from the fraud department at Wells Fargo, they verified my identity as they already had most of my information, I asked for verification I was talking to Wells Fargo and they provided me with their name ( XXXX XXXX ) and reassured me the number they called from is the number on my bank card. They let me know that due to their fraud concerns they would have to freeze my card unless I was able to sort it out over the phone then and there. They proceeded to go through some of my bank statements with me to make sure it all looked legitimate, they already had access to my account as I only provided my Name and phone number, they verified my account numbers with me, without me providing them. I did provide a pin as they said they required that. Because I was having a personal emergency I let them know this was not a good time and I would need them to call me back. I then saw that two wire transfers had been made and asked what had happened and he said that was the fraud and the money would be sent right back to me. He let me know they would call me in a few hours to finalize everything. Immediately I knew that phone call must have been the fraud. I immediately contacted Wells Fargo. One wire transfer was for XXXX, and the other one was for XXXX. I did NOT authorize these wire transfers. I then received an email about 30 minutes after the call saying that my debit card had been authorized for XXXX XXXX and connected to a new XXXX under the name of XXXX XXXX device. I also did NOT authorize that.
Product: Vehicle loan or lease

I turned in my lease early. I made my final payment XX/XX/2021. I neglected to turn off auto pay and XXXX payment was taken out. I called and chatted with Ally multiple times and they kept saying it would be 30-45 days before I saw the payment returned. XX/XX/2021 the dealership paid off the loan. When contacted again, they continued to say they were waiting for paperwork from the dealership. On XXXX I received in the mail a bill for ; Disposition fee XXXX sale/use tax on disposition fee XXXX Less - other funds received XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total XXXX They are saying that the funds from the dealership were " removed '' or something so the next payment from them was late and I have to pay another monthly payment! So in essence, I'm going to make TWO extra payments on a truck I turned in XXXX?! I called again XXXX and XXXX told me what he could " see '' and he couldn't do anything about it. I asked to speak to a supervisor and he said no one could help me. I have no issue paying the {$100.00} for the balance of the disposition fee and the tax, but I can't understand how the rest is even relevant. 

Thank you for any help resolving this issue. XXXX XXXX
Product: Debt collection

They have been sent 3 letters and have not supplied any signed contract showing I owe this debt. They can not show a Contract with a wet signature from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score drops 20 points in one month for absolutely no reason. There are no negative data added to my account however they lower my score by 20 points. It has happened several times before and the following month, my score is raised 20 points. This is highly suspicious and could easily keep me from being approved for something I apply for. I would like an investigation as to why this is happening. I've contacted them and they advise the score is calculated, however if the variables do not change, it is not possible for my score to fluctuate that way. I've attached the screen shot form Experian Mobile App which shows there was nothing negative added to my file since the prior month, yet it dropped 20 points.
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received XXXX letters from your company office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both letters are dated on XX/XX/year>. XXXX of them asked me to provide the necessary documents for initial XXXX fraud alert. Even though I must have sent the documents, which must be necessary for the XXXX extension alert, I have decided to send this one, because this one does not ask the copy of social security number. Instead of it, it asked utility bill or pay stub along with drivers license or birth certificate. After considering seriously, I have decided to submit the utility bill of XXXX XXXX ; therefore, it must be enough to verify my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. If you want further information, please let me know with appropriate explanation. If you prefer more personal information, besides my XXXX passport, I can provide the document with notary. 
Sincerely,
Product: Credit card or prepaid card

On XX/XX/2017, my bank credit card was charged {$490.00}. I didn't authorize the charge. I contacted my bank, Capital One, to dispute the charge. I followed the instructions of Capital One Customer Fraud Protection Unit. They said no fraud was committed, based upon XXXX XXXX City Marshal 's investigation. I believe that XXXX XXXX City Marshal didn't do due diligent in their investigation. So, I was responsible for the {$490.00}. I believe I took the appropriate steps to dispute and prove that fraud had been committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my XXXX, my Dept.of Education loan has been discharged. The account is still showing a balance. I would like to have this account removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. 
DELETE this from my report asap!
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, In XX/XX/2021 my check for {$1000.00} sent to PA XXXX XXXX was fraudulently cashed in Wells Fargo XXXX 
Since XXXX of 2021 my XXXX bank can not get any response from Wells Fargo, and is getting back to me with the same info : Wells Fargo did not respond yet. 
My XXXX claim number is XXXX. 

Thank you.
Product: Debt collection

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : AARGON AGENCY Account number XXXX