23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 at XXXX XXXX, I tried to get {$400.00} from my checking account via drive thru ATM outside of citi bank located on XXXX XXXX XXXX XXXX CA XXXX. I requested the transaction and the ATM did not dispense the money. I called the bank the same day while I was still at the location. I did not move I was inside my vehicle while I spoke to the customer service representative. I spoke to citi customer service for about XXXX minutes and explain the case to them. During this time the ATM did not dispensed the money. I was clear in telling them that I was right in front of the ATM and the {$400.00} were not given to me by ATM. I was told to move to continue the call I did so. I was not give Any reassuring answer nor a dispute number. I tried calling again the same day and I was told there was nothing for me to do but wait. I explained the situation again and I was given a claim number the second time I called. I was told I may get a credit after XXXX to 15 days. 

I received a call from the branch manager from Citi bank and I was told by her that the case was closed and she checked online and it said that they were not going to do anything about it. I was told by the branch manager to call again and re open the case to emphasize to the customer service that the software from those machine had just been updated. I was given case number XXXX. I was told to wait again. So far I had not received an answer from the bank. I have been calling and the only people answering my questions are the people from the branch. The team on the phone customer service had not provided any information. Up to date I have not received the money back and the bank on the phone lines is unresponsive
Product: Credit reporting or other personal consumer reports

I want this information to be completely removed from my credit report, it does not belong to me. 

XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act VW Credit XXXX Account # XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602 : 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.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached my proof of ID. I do not live at the following addresses : 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 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 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 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Vehicle loan or lease

Purchased the vehicle on XXXX {$22000.00}, put {$2000.00} down. made monthly payments of XXXX. Now XXXX of XX/XX/year>, balance is still {$18000.00}. {$3600.00} to the principal, {$9000.00} in interest. 

I had made complaints that the interest was not correct. they could not explain why. 
After doing some math they are charing 71.6596944 % interest. contract states 19 %. They also added {$14000.00} finance charge. along with a daily interest rate that is undisclosed. and a {$9.00} fee daily for late payments. 

I explained to them that the car was a lemon. Yet after a couple of months there is no warranty. I called the first week of the purchase, and stated all the problems. they said that for everything that would have to put my to fix that they would reimburse me. They did not. 

So I did a voluntary repossession. They asked why, and I explained to them that I would never be able to pay off the vehicle. I had that conversation many times with no progress.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$640.00} I found a suspicious account on my credit report during my latest review. Please remove this fraudulent account, as it is affecting my ability to acquire credit. I do not know this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX  balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I was traveling across the country alone, I was in Arizona this particular night when i used an app on my apple XXXX  called XXXX XXXX I booked a room at XXXX XXXX. My Apple/Goldman Sacs card was immediately charged which I did not use throughout my travels, I used my XXXX XXXX XXXX I did not like the unprofessional man in the lobby or the other man lurking. I immediately cancelled the reservation and left. I went to a XXXX XXXX XXXX XXXX and stayed. I've provided Apple credit card/Goldman Sacs all of the receipts for nearly one year. They refuse to remove the charge that happens every month, in which I dispute the charge and the whole thing just regenerates each month. I will NOT pay this fraudulent charge. I did not stay in the hotel, XXXX XXXX has no record of me nor does XXXX.
Product: Credit card

Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 joint mortgage account with Dovenmuehle Mortgage   was removed from my credit report due to issues with the loan reporting twice. Once as XXXX / XXXX and once as Dovenmuhele Mortgage. The duplicate loan negatively affected my credit history due to increasing my debt to income ratio. Showing I was paying two loans on time instead of one. Upon contacting  XXXX XXXX from the legal department of Dovenmuehle, attached is a letter stating " Dovenmuehle has no control over the credit reporting bureaus and when they will update the borrower 's information. It can only note that the credit reporting bureaus commonly takes sixty ( 60 ) to ninety ( 90 ) days to update credit reporting, and that Dovenmuehle has, in fact, acted dilligently to clarify the borrower 's credit reporting, and has previously explained the time elements of that process. '' Please note that after numerous attempts to have this issue resolved, with the credit bureaus and Dovenmuehle, the time frame of 90 days has expired since this issue was first addressed in XX/XX/2019. Your response is misleading, and your business practices are unethical by nature. Attached is also my payment history and dispute of missing account information from the credit bureau. I would like proof this information was submitted in a timely manner. The removal of this loan from my credit report has negatively impacted my credit worthiness by over 30 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the 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 XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX Balance XXXX {$0.00}
Product: Student loan

I tried to call Mohela on XX/XX/year> for my Federal Loans but the estimated wait time was over 3 hours to speak to a customer service agent. I then submitted the respective requests online ( same day ) because Mohela claims that their online service is " fast and convenient '' and have not gotten a response. I tried calling on XX/XX/XXXX, XXXX, and XXXX with wait times exceeding 3+ hours again just to speak to a customer service agent. I sent both an email that went unanswered and then filed a complaint with them directly on their website ( XX/XX/XXXX ) with, again, no response ( until this morning as I wait on the phone to speak to a customer service agent for 1.5 hours already ). Now, Mohela is stating that it will take 90 days for processing while my account continues to collect interest and I have still no support for my current financial hardship. For an organization that manages a significant amount of Federal Student Loans, Mohela customer service employees should be easily accessible and readily available to work with loan holders on repayment options, regardless of repayment status. Contacting lenders to resolve delinquency in an appropriate and ethical way should be a priority for Mohela -- especially as a US contractor.
Product: Debt collection

Disputed a debt.no information or no copy of actual debt..harassment
Product: Debt collection

I spoke with check n go loan company XX/XX/XXXX. 2022 They keep calling as debt collectors, first they verify my info then say this is a communication from a debt collector & is a attempt to collect a debt all calls are monitored & recorded. I told them as legal debt collectors you have to follow the fcdpa & not to call me on my work phone & I will reach out to them because it effects my work. She said no they will continue to call. as of today They continue to call me on my work phone during my work hours XXXX with most recent call as of yesterday XX/XX/2022 at XXXX With multiple fcdpa violations Im looking to have this loan closed as paid in full
Product: Debt collection

I do not owe them they are calling for one of my adult children. They call frequently and If I block number they call from different number
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to update several credit card accounts, including current balances and credit limits. The other two credit reporting agencies have update these accounts. This is what the updates should look like. 
XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance {$5900.00} Credit limit Credit limit {$5900.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$8.00} Open balance {$450.00} Credit limit Credit limit {$450.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$0.00} Open balance {$1200.00} Credit limit Credit limit {$1200.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle, numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately They told me that recovering lost funds was impossible. And that tracking the funds was unfeasible. The CSPBs findings indicate. That cell was not only negligent. To protect consumers, but has also also allowed repeat offenders to exploit the system leaving users, vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COMPANY DROPPED MY CREDIT SCORE 77 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

XXXX XXXX XXXX-listed as sent to another credior does not have updated information about account. account is not mine was sent back as verified without any verfication sent to me from transunion. it shows that i have 1 account in collection but does not show the one account listed. I have no collections at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX Equifax XXXX XXXX The item was successfully removed yet my score at this time is : XXXX XXXX XXXX Equifax XXXX XXXX Please correct my credit score. 
The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all not mine addresses
Product: Debt collection

When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.

The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/2021. 
Learn more about the Debt Collection Rule and your debt collection rights. 
Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Whether or not you have a debt in collection, its important to frequently check your credit reports for accuracy. If you think a debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA, you can submit a complaint with the CFPB online or by calling ( 855 ) 411-CFPB ( 2372 ).
Product: Mortgage

My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

when to purchase a vehicle, i was told my credit will only be ran by one lender. now i have multiple hard inquiry. The dealership share with out my consent from unknow soucres. 

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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank/Zales Outlet Company has not reported/updated account balance fair or accurately since XXXX of 2022 for XXXX and XXXX of 2022 for XXXX & XXXX.
Product: Mortgage

I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction regarding the unresolved negative accounts on my credit report. Despite my previous communications, there has been no resolution or verification of the items in question.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX  XXXX XXXX - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Vehicle loan or lease

Notice to agent is noticed to principle, noticed to principle is noticed to agent. 
Payments on the vehicle Is unclear. Santander consumer USA and XXXX XXXX XXXX can not make their decision on whom the Debt Belongs to. This has been discharged for the following reasons, Santander Consumer USA has not provided the discharge Documentation requested by the consumer I have contacted XXXX XXXX XXXX to provide me with the discharge cancelation Information to report this to the IRS and they have denied the information that I Need, to file the 1099 XXXX XXXX XXXX XXXX deny providing me with Such license, Santander on the other hand is blaming XXXXXXXX XXXX  XXXX and since I am the holder in due course of this account, I am cancelling this debt with house resolution 192 that explains the public debt. I would like to recoup the currency by check money order or federal notes. or return the funds to my financial institution. or to the consumers address mentioned un the contract. And just keep in mind they're on the contract it says pay to house does not say Santander consumer USA and just to inform Santander. You forfeit the signature on that contract you have send me. the original contract is proof of the frog you committed with XXXX XXXX you are just unlawful and no different than XXXX XXXX XXXX. I came in good faith to both of you and I addressed the issue when you ask me to you pretended to help when in reality you were committing fraud. I am requesting Santander to provide me with the discharge notification letter and the 1099C information. In order to release your name from the DMV records and if you can not provide me with the information, I am requesting please assign this to a court hearing to a federal court before I address the issue. and before I forget there is no Arbitration Cloth Between me and Santander. Consumer USA.