23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have a car loan with well Fargo bank from XXXX to XXXX, I believe the bank owe me some money, I would like to receive settlement with well Fargo bank. Please help me with it, thank you very much
Product: Credit card or prepaid card

I was charged {$180.00} in late fees by Fortiva they never put these charges on my statement it wasnt until I called and asked they told me I told them I wanted it all removed and they took off one {$40.00} fee they said they would escalate the call and no one has gotten back to me It was an interest free furniture purchase which I thought I had a year before I even started paying it off
Product: Checking or savings account

Tuesday XX/XX/XXXX after I got off of work at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  most days ) I noticed XXXX charges in varying amounts made out to XXXX that were from Monday XX/XX/XXXX. The charges were {$3.00}, {$160.00}, {$37.00}, {$64.00}, {$17.00}, and {$100.00}. I have never had any dealings with this company to my knowledge and was confused by the charges. I was not able to dispute the charges until Wednesday XX/XX/XXXX as I was informed I could not dispute them until they were posted. The dispute was denied Friday XX/XX/XXXX with barely any explanation other than we worked it out with the company. I have submitted an appeal and I had also learned that one of my coworkers had something very similar happen that same night.
Product: Credit card

Late XX/XX/2024 USBank new credit card application submitted. I inquired as to cards not recieved from USBank but charges amounting to {$540.00} posted to account. USBank mailed cards on XX/XX/XXXX, XXXX Credit cards stolen in mail. Fraudulent charges {$540.00} made : XXXX {$160.00} XXXX  XXXX  XXXX  XXXX, CA ... XXXX {$44.00} XXXX XXXX and XXXX XXXX XXXX, CA ... XXXX {$37.00} HR XXXX XXXX XXXX CA ... XXXX {$82.00} XXXX XXXX XXXX CA ... XXXX {$85.00} XXXX  XXXX XXXX CA ... XXXX {$46.00} XXXX XXXX XXXX CA ... XXXX {$84.00} XXXX XXXX XXXX CA... Total  {$540.00} USBank re-issued cards and provided provisional credit. I reported fraud to USPostal Inspection Service and reported fraud to XXXX XXXX CA XXXX XXXX Department. 
Today XXXX USBank notified me that activity was made to create a online USBank banking account which prompted me to report the activity as fraud. USBank restored my information, cancelled my credit card and re-issued credit cards. I subsequently updated XXXX XXXX CA XXXX 's Dept with additional information provided by USBank ie ; phone number of thief. I then put a account freeze and made credit fraud notifications to the three credit bureaus XXXX, XXXX and XXXX. I was advised by the XXXX 's deputy to make this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This capital one XXXX  XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the Capital One Account derogatory information would be permanently removed from my XXXX, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and IdentityIQ, to have Capital One Bank delete all of their derogatory credit bureau report information reported to XXXX, XXXX, XXXX, et al credit bureau, to no avail. 
Capital One Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and Capital One Bank refuses to remove their derogatory information from XXXX credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Product: Mortgage

This complaint is about Better.com. 

I recently closed a ReFi with them on XX/XX/2021. They collected the property taxes of amount {$3700.00} during closing from me but this amount was neither paid to the county nor transferred to the new loan servicer ( XXXX XXXX ). 

I am made several attempts to resolve this issue with Better.com, emailed several members of their funding team, but not getting any responses for resolution. Looks like they are just ignoring the issue and no one is willing to help. 

Please help me resolving this issue with the company.
Product: Bank account or service

During recent visit to XXXX my Debit Card kept being declined, I chalked it up to the merchants processing as Credit as the individuals just stated decline no reason provided, until I returned home to XXXX and received notification from XXXX XXXX and XXXX that payments rejected. contacted Wells Fargo regarding this and they stated that there was a Fraud Hold on the account as I was making a purchase out side of my routine, indicated that I was in XXXX - In formed that is why, indicated that I was in XXXX the previous month and this did not occur and I was not impacted on the use of my Debit Card - so the practice of detecting fraud is not consistent if it hold true to what I was advised, I have now incurred additional costs to per-authorized providers and now I have to go through the process of contacting all my providers to ensure that they have received there payments. The solution I received from WF is that they will provide letter explaining situation and that I would have to call back in to get reimbursement - however no grantee, now due to the inconsistent Fraud Detection practice, I now have to contact all my per-authorized accounts to ensure them that my account is in deed in good standing and that if not already been paid to please proceed and process the transaction again. Do not understand why I should be incurring additional work load as a result of a policy that is not consistent with in the WF organization
Product: Credit card or prepaid card

Logged into Amazon card account on XX/XX/XXXX. Showed payment due of {$27.00} on XX/XX/XXXX so I made the payment that day. Logged in on XX/XX/XXXX and it showed payment was 2 days late and I was charged a late fee of {$35.00}. So I made another payment on XX/XX/XXXX for {$30.00}, even though I knew I had already paid my minimum payment due on XX/XX/XXXX. On XX/XX/XXXX I made another payment of {$25.00}. On XX/XX/XXXX I logged in and saw a minimum payment due of {$70.00}, more than double the usual amount. Talked to customer service who said it was because of the late fee. After explaining I should not have been charged a late fee, the rep said they would remove it. But they refused to change my minimum amount due back to {$35.00}. I explained I can't make a payment of {$70.00}, and shouldn't have to since they claim to have removed the late fee that I never should have been charged. They would not help me and fix the payment due. I made a payment of {$35.00} that day, XX/XX/XXXX. Synchrony bank has now locked me out of my online account and won't even allow me to reset my password, thus preventing me from paying the additional {$35.00} due by today, XX/XX/XXXX. So now they will charge me another late fee. I tried their online account chat but it never connected me. I called customer service and kept getting hung up on when they said they were transferring me. This is clearly very shady business practices in order to scam customers out of money for late fees. I've had this account for years and never had issues logging in until I complained about this billing issue. And now they've completely removed my online account access to prevent me from making my payments on time. Their unscrupulous business practices need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to XXXX, Experian, and XXXX concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX  Experian, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. 

This complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. 

Lastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.
Product: Debt collection

Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. 

Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX
Product: Debt or credit management

Paid Lexington Law XXXX and nothing was accomplished. I was promised services that were not rendered
Product: Credit card

I made a dispute for a charge made on XX/XX/2024 in the amount of {$5700.00} and the initial dispute was made by phone then followed by mail dispute that included attachments. 5/3 denied my claim 2 times then I made a complaint with cfpb and I was notified by a XXXX from the office of the President at 5/3. She advised she would contact the disputes department to find out what was going on with my complaint. XXXX had no knowledge of my case and I soon learned she is just a liasion to satisfy the cfpb process, but she actually did not handle the claim, she simply contacts the departnment and passes the information. I supplied numerous pieces of evidence that this charge was not valid. I have continuously paid my credit as to not have any negative credit history. I had disputed at least 4 additional times but in this complaint I am now submitting proof from the State of Michigan that this business did NOT supply me what I paid for. I notified 5/3 in due time to reverse the charge and now so much time has passed yet I still owe the bill. I am asking to have this removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I am feeling a complaint against XXXX failing to properly investigate my disputes regarding an auto loan that is now a charge off from Hyundai finance despite my submissions I disputed it again. It is currently in review for the second time. My dispute is getting denial stating that the account is accurate. Without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act.15 U.S.C 1681i, which made a reasonable investigation of disputes furthermore, XXXX actions may also contravene the consumer financial protection act 12 U.S.C.5536 ( a ) ( 1 ) A ) - ( B ) is highlighted in the CFPBs recent administrative proceedings file number XXXX XXXXXXXX against them for similar violations I request that the CFPB take action to ensure that all three credit bureaus complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Westlake Financial Services $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. 

Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Trident Asset Management has been contacted on several occasions regarding a debt in the amount of {$140.00}. I was informed by XXXX in early XXXX that I do not have any past due bills/accounts with them. Therefore the collection account was removed from my credit report on XX/XX/XXXX. This account has re-appeared on my credit file as of the end of XXXX. I have sent numerous correspondence to Trident Asset Management regarding this negative account. In addition, they have failed to respond and update the account on my credit file as disputed. I am demanding for it to be removed as they have no proof that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Product: Credit card or prepaid card

My complaint pertains to CITI Bank XXXX XXXX XXXX XXXX which I've had since XXXX. I have that card on file with a meal delivery vendor which I have been using during COVID to get diet-appropriate meals safely delivered to my home each week. 

I was notified on XX/XX/XXXX by a meal delivery vendor ( XXXX ) that I would not get next week 's special diet meals because they could not process my {$50.00} fee on the credit card they had on file ( and had used previously ). I was confident it was their error because my account I've had since XXXX is always in good standing. I immediately called the customer service number at the CITI card and was shocked to hear that they indeed had suspended my ability to use the credit card even though I had not missed any payments on the account. 

They said they suspended it because they were currently reviewing my XXXX payment and hadn't " finished yet. '' The payment arrived a few days late, they said, despite being payment in full. I told them that : 1. I always pay as soon as I receive the bill ; I can not pay before I receive a bill ; 2. I do not control how long the post office takes to send them my payment ; 3. I do not control how long they take to process my payment ; 4. I have always paid 100 % in full ; I have never carried a debt on any credit card ; 5. The CC agreement, as I read on line, indicates that the card can not be cancelled until THREE payments have been missed. 
6. How can they rightfully decline a payment for a vital home-delivered meal service no less, during a panedemic, for a client who is in excellent standing with a credit score of XXXX? 
7. I spoke to a manager who agreed that the policy is insensitive to the needs of cardholders and makes no sense but she insisted it was being applied to all cardholders. I find no written evidence of this policy in my paperwork.
Product: Mortgage

I fell a little behind and am still one payment behind. Selene allowed customers to pay payments online. Several months ago they changed their online system so that customers can only pay what is due. Nothing less and nothing more. The amounts are grayed out so that nothing can be changed. I contacted them and was told this was their new policy and that customers would have to call in to make any other payment arrangements. The problem is that as of XX/XX/XXXX when making a payment on the phone a customer is required to pay either an {$8.00} fee on their automated system or {$12.00} with a customer service rep. They also increased late fees. So if a customer would like to pay more on their mortgage loan, they are required to pay this fee. When I discussed this with the customer service rep, it was clear there is no recourse for the customer. It seems that to maintain a good standing with customers they would have grandfathered in customers that have been with them long term. At the very least, they should have contacted customers notifying them of this " new policy. '' This was not done. I see this nothing more than a way to take advantage of their customers and they know there is no way to dispute their ridiculous fees and holding customers XXXX by not allowing them to pay additional amounts on their loans without paying a fee.
Product: Credit card or prepaid card

In XXXX of XXXX, I made a payment by phone to XXXX XXXX/Comenity Bank to take care of an outstanding balance. My online account could not be accessed for reasons unknown to me. Since I could not see my account, I paid the amount the agent told me was due to make sure my account is paid in full. It appears that amount was incorrect that I was told. 

FYI, Comenity has discontinued the XXXX Credit card so it is reported as a closed account for this reason. But the impact to my credit is very much current. 

This has a resulting in a late payment, the only one across 43 accounts in over 11 years. 

I wrote to XXXX/Comenity and shared this mistake with them via their messaging center within their payment platform. I asked for the late payment to be removed. In XX/XX/XXXX, A XXXX XXXX responded assuring me the payment would be removed as I requested. Instead, the late has remained and that conversation no longer displays in the XXXX/Comenity secure messaging center. I have contacted the company regularly, as recent as XX/XX/XXXX. Instead, I receive no response to my request, however the company adds further negative comments to my credit report, which have decreased my credit score. I have disputed this with the credit bureaus but Comenity responds that it is accurate, although XXXX XXXX responded that it would be changed due to their mistake, and the negative impact to my credit continues. 
I would like the 1 late payment they made due to an error on their part of failing to notate my account properly removed.
Product: Credit reporting or other personal consumer reports

I am writing to report that Experian, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within XXXX  days : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.
Product: Vehicle loan or lease

Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through XXXX XXXX XXXX XXXX and one through USAA. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/2015 XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}