23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, the following dates amounts and locations were reported as fraudulent purchases by me to Synchrony Bank for my Lowe 's credit card : 1. XX/XX/XXXX - {$190.00} - XXXX XXXXXXXX XXXXXXXX FL 2. XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX FL 3. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 4. XX/XX/XXXX - {$960.00} - Store XXXX XXXX FL 5. XX/XX/XXXX - {$3900.00} - XXXX XXXX 6. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 7. XX/XX/XXXX - {$2400.00} - Store XXXX XXXX XXXX FL 8. XX/XX/XXXX - {$480.00} - Store XXXX XXXX FL 9. XX/XX/XXXX - {$210.00} - Store XXXX XXXX FL 10. XX/XX/XXXX - {$560.00} - Store XXXX XXXX FL 11. XX/XX/XXXX - {$340.00} - Store XXXX XXXX FL 12. XX/XX/XXXX - {$660.00} - Store XXXX XXXX FL 13. XX/XX/XXXX - {$400.00} - Store XXXX XXXX XXXX FL 14. XX/XX/XXXX - {$510.00} - Store XXXX XXXX FL Synchrony Bank acknowledged the fraud on XX/XX/XXXX and sent a letter stating that they approved the fraud claim on my Lowe 's Advantage Card account based on the information they had so far. I cancelled my card and had a new one issued. Whoever was able to use my account attempted to change the address and I canceled the card again and had a new one issued, froze the account, and had my granddaughter help me setup online access to better monitor the account. 

When the bill came for XXXX, there was one transaction that was not removed from the account for {$960.00}. This charge is the same as line item 4 from above but on my XX/XX/XXXX statement, Synchrony states that my balance as of XX/XX/XXXX was {$0.00}, but then claims a purchase was made on XX/XX/XXXX for {$960.00}. I have never made any purchases using this account. 

I sent another fraud claim to Synchrony and explained that this charge was part of the 14 charges they'd already investigated. Synchrony acknowledged my claim but continues to send me notices via mail and email, and call my home to ask for payment. They have reported late payment to the credit bureaus and added fees to my account for nonpayment. I can not get an answer as to why this one charge remained on the account while the 13 others were removed. 

I am XXXX years old and I live in Maryland. I remained in my home state, Maryland, and did not travel to Florida for the XXXX holiday. I do not have any relatives in Florida and I don't know how my account information was obtained to make all those purchases. I really need some assistance with this matter because Synchrony is not resolving the issue.
Product: Vehicle loan or lease

My care was repossessed in XX/XX/2017 and sold for {$2500.00}. I was harassed had wages garnished and my debt resold after the 7-year period. It is still on credit, but credit bureaus are lying saying that it isn't.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.
Product: Credit card or prepaid card

1. COMENITY - XXXX XXXX XXXX 2. Payment due date : XXXX of every month 3. XXXX payment submitted on XX/XX/2022 via USPS with Tracking # XXXX XXXX XXXX XXXX XXXX ). 
4. USPS delivered payment on XX/XX/2022 5. Comenity held payment until past the due date and processed payment on XX/XX/2022 6. Contacted Comenity Customer Service ( XXXX ) XXXX on XX/XX/2022 upon receipt of XXXX statement with a Late Fee Charge of {$29.00} and Interest Charge of {$17.00} ; spoke with XXXX, Customer Service Rep and XXXX, Supervisor and both declined to remove the late fees and interest charges claiming that the account did not qualify for a reversal of said fees/charges despite providing the payment tracking information and history.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite having used Zelle frequently and reporting discrepancies, I have encountered inadequate responses from both Zelle and my financial institution. My claims were not thoroughly investigated, and I was informed that recovering lost funds or tracking these transactions was not feasible. 

The CFPB 's findings reveal that Zelle has failed to provide adequate consumer protection and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety and reliability of the platform for consumers.
Product: Credit reporting or other personal consumer reports

I am writing to inform that I have went over my consumer report and XXXX XXXXXXXX XXXX Account # : XXXXhas violated my rights. 
Here 's why : This account is in-accurate and un-verifiable to me. Their is no proof that this account belongs to me and I demand proof. I believe I am a victim of identify fraud. This account also has been charged off. This also means if the account has been charged off which results ; to the company filing a 1099-c through the IRS. On my consumer report this account shows a past due balance. Their should be no past due balance since the account has been charged off. XXXX XXXXXXXX XXXX  states this account is charged off which results to this company writing off the account and receiving a tax benefit for the loss. 

Some of my rights that have been violated are : 15 USC 1681 ; There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681S-2 ( a ) ( 1 ) ( a ) A person shall not furnish 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 inaccurate. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under : 15 U.S.C 1681 Section 604 A Section 2 : 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I DEMAND THIS ACCOUNT TO BE REMOVE FROM MY REPORT IMMEDIATELY. 
After your careful and proper investigation I request a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Product: Checking or savings account

I was scammed into depositing a fake check on XX/XX/ and now my accounts are being closed as well as I am not able to open any new accounts. The check amount was for {$3500.00} and was made to a Wells Fargo bank.
Product: Checking or savings account

I sent an email regarding my direct deposit and received a response back that my direct deposit had been received by the bank but, the funds have not been applied to my account
Product: Consumer Loan

I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.
Product: Checking or savings account

I hadn't used my cashapp in a few weeks. I received and email saying my account was closed. And when I reach out to customer support, they could not give me a reason why it had been closed.
Product: Mortgage

I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.
Product: Credit reporting

XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX reported to Experian as an open account in XX/XX/XXXX and then reported as a close account until XX/XX/XXXX. Shows on Experian credit as an open account with a late payment and the closed due to pay off. 

The second issue is Experian listing my XXXX  loans from the same borrower for one totaling amount as four separate accounts
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed XXXX dollars from net credit and my payments are over XXXX a month till 2027, my god that is outrageous im paying extra but the amount does not go down much. They give me a payment estimater and XXXX is interest and XXXX goes towards loan isn, t that kind of high for a loan company?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX open XXXX Amount XXXX account paid in full XX/XX/2018 For the amount of XXXX
Product: Mortgage

My mortgage company, Mr. Cooper did not pay 2 of my tax payments. I no longer get a bill so I was unaware that the payments hadn't been made. I saw that there was a large amount in my escrow account and called them on XXXX ( XXXX ). They told me I would not have to pay the late fee as it was there mistake. When I saw how much they paid I called them back on XXXX ( XXXX ), because I received a statement saying my house payment would increase due to a shortage of funds in my escrow account. I emailed the tax assessor to see what was paid by them and found out they had missed 2 tax payments, not one ( XX/XX/XXXX & XX/XX/XXXX ) and had to pay 2 late fees which they took out of my escrow account. They told me that they would credit it back to my account, but did not. I called again on XXXX ( XXXX ) and again I was told they would look into it and I should be reimbursed back for the late fee taken out of my account, I was told by the person I talked to that she would call back on XXXX. I never received any phone call or correspondence. The amount they owe me is {$330.00} for the late fee. My house payment went up {$70.00} a month to cover the shortage in my escrow account because they took too much out. This is causing a hardship on my finances as I am the only one working right now. When they took over my loan on XXXX, there was a credit of {$2700.00} at that time.
Product: Checking or savings account

I had a secured credit card with XXXX XXXXk and I closed the account because of the fees and they had returned my deposit bank to Key Bank on XX/XX/2021 per the letter they sent me. They let me know it was sent back to the card ending in XXXX. This card was linked to my account with Key Bank that was closed out in XXXX of 2021. I have contacted Key Bank several times and they have stated several times that they did not receive a payment of XXXX back to the account from XXXX XXXX The checking account number is XXXX and it was the card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureau have about 20 inquiries that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my sec inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 transactions 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. One of the times this happened was in 2021 for {$2000.00} in Zelle through XXXX.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the XXXX of Limitations has not expired ; XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and XXXX XXXX. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within XXXX ( XXXX ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. PLEASE REMOVE THIS 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
Product: Credit card or prepaid card

Hello I am writing in regards to capital one secured credit card that I received in XX/XX/2020. I chose capital one because of there credit reputation of helping first time consumers credit. 
However, after receiving the card, which took an extra 2 weeks to receive because they sent the first card to wrong address, I have had constant problems with there company. They do not hold any of there terms and conditions they allow families to sleep on the streets do to refunds on motels being held by XXXX and capital one knowing they would receive a refund they refuse after 16 hours on the telephone to credit account. Upon calling them, know one knows which debt to connect you to, none of t b ere employees have decent customer service and extremely unprofessional, as if they hire uneducated human beings. My husband has been treated extremely unfair as they closed the account on fraudulent admissions of allowing charges not charged by us and they refuse to hear there consumer. We are told he is being sent to collections when our bill was XXXX we have now paid XXXX and they continue to take money out our account can you please forward this matter ASAP as we are trying to build credit not be treated unfairly by capital one. 
Thank you and XXXX Bless MR.XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"