23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been trying to pay off our mortgage to NationStar and now that we FINALLY have a pay off ( thanks to you guys ) they are telling us that since they purchased our loan ( over a year ago ) they have not been collecting enough to satisfy our impound account. How could that be when we have n't had a severe increase in homeowners insurance, tax bills to pay, etc. They are saying that they have been under funded and have made a large payment on our behalf to the county because of this and that we now owe them the amount of the shortage. With all of the mortgage companies that have owned our loan over the years we have never been severely over or under funded to where we ca n't make our impound accounts but our mortgage has varied by $ XXXX- {$15.00} over the life of the loan as a correction to ensure that we do n't have a shortage. How could we want to pay off our loan and all of a sudden be over {$2000.00} short. 

Payment is due on XX/XX/XXXX and we do n't know whether to pay the {$180.00} left on the principal or to make a regular payment and wait to be refunded. It feels as though they want to hold our monies and will have to fight to get it back so that they can collect interest. If they do this to enough consumers they are making money on " holding our cash '' until we prove we do n't owe it. 

On top of that, we 've been trying to fix this since XXXX XXXX and thought the house was ours. Due to them dragging their feet and not replying to our numerous inquiries over the past month, we are now into another month not " owning '' our home, and another month of being charged interest which again is a ploy and way for them to make money where they should not be making money. 

And again, no one to talk to in the US.
Product: Payday loan

California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. They would not remove my fraudulent inquiries. It was not me. 
TRANSUNION XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX There we no actions taken at all!!
Product: Money transfer, virtual currency, or money service

I purchased a phone awhile back, and it arrived soon after but had to purchase a charger separate and wait for it to arrive. Once turning the phone on and using it, I noticed some issues arise. First, the USB slot had issues recognizing the charger or other dongles. Then I noticed phantom touches where the screen would tap by itself. The advertisement for the phone said it was in good condition with no issues whatsoever, and it clearly has issues. I tried searching the website where I purchased it from to get a refund, but there was no way. So, I was forced to refund via PayPal, and they managed to get in touch with the seller. I then demanded a refund for the falsely advertised broken device, in which they agreed with but never sent me anything in order to ship the item back. There is a full chat history to prove it. After some time and still nothing from the scammer, PayPal closed my case. This is straight up fraud and both XXXX and PayPal should be held responsible. I would also like my money back for a product I never got, which was a WORKING phone. The device at hand was {$170.00}.
Product: Credit reporting or other personal consumer reports

As of XX/XX/23 Carrington mortgage has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.
Product: Debt collection

I RECEIVED A NOTICE IN THE MAIL ON XX/XX/2016 OF AN ATTEMPT TO COLLECT A DEBT FROM A COMPANY CONVERGENT OUTSOURCING. I SENT THEM A LETTER ON XX/XX/2016 ASKING THEM TO VALIDATE THE DEBT, AND TELLING THEM THAT THE STATUE OF LIMITATIONS ON THIS DEBT HAS EXPIRED. I KNOW THAT THEY RECEIVED THE LETTER BECAUSE I SENT IT CERTIFIED AND I GOT THE RETURN SLIP. THE COMPANY DIDNT RESPOND TO MY LETTER AND THEY STILL PUT IT ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity BankXXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.
Product: Credit reporting or other personal consumer reports

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

Account Name : US DEPT ED Account Number : XXXX  Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX  has violated my right, And lists of unauthorized inquiries 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep track of my credit reports and scores on a regular basis. 

So, when I paid off a credit card, I received great news from XXXX and XXXX that my score had increased. : ) So, what's the problem?? Equifax dropped my score by XXXX points when I paid off my credit card. 

XXXX XXXX. Made a payment. 
XXXX XXXX. Made a payment. 
XX/XX/XXXX Made a payment ( paying off the credit card ) XXXX XXXX. No change to my credit report XXXX XXXX. XXXX reflected on my credit report. 
XXXX XXXX. Equifax reports card balance is {$0.00} and drops my credit score XXXX points XXXX and XXXX, raised my score by XXXX points. Equifax went down. : (
Product: Credit reporting

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Product: Money transfer, virtual currency, or money service

I was contacted by Venmo on XX/XX/21 that my acct had been " restricted '' or frozen for a security issue. I was told to send via link a pic of my DL and another of me holding my DL. This was sent twice before they acknowledged getting it. 
IN between that date and now, i have rec 'd many emails from Venmo support that various attempts at a password change and access from a " new device '' had been attempted. 
On XX/XX/21 i was told acct was frozen again. Again, i sent in pics verifying me so my acct could be unfrozen. On XX/XX/21, my acct was unfrozen per Venmo but before I could cancel the acct, an unauthorized charge was done w/ my acct on XX/XX/21 to a strange email AND i got mult emails saying my email to my acct ID had been changes as well as my phone number! 
I called to report that I didn't do any of this, but bc I could no longer verify my acct bc a hacker had changed my info, they wouldn't do anything. Venmo 's answer to this hack scam was to send my " helpful articles '' for my issue, which didn't even relate. 
So here I am, almost over 1 mth since this acct insecurity started, and still NO RESOLUTION. 
I want to close my acct immed, but venmo won't let me bc my verifying info doesn't match bc they allowed a HACKER to change it! 
They only contact you via email, you can not speak to anyone that can do anything and it's a constant email tag. Meanwhile, i feel violated and XXXX by this company. They have verified my acct via pics i have sent, but won't close my acct and I can not do it myself bc my login was hacked. My acct is exposed and Venmo will not do anything. I have sent many emails and done my part but they are refusing to close my acct, wanting me to do through App, but again I told them I can't even log in to my acct bc it was changed by hacker. 
Their " security '' is NON SECURITY. The crooks have access to our accts illegally, but the actual owners after verifying are blocked! 
I JUST WANT MY ACCT CANCELLED AND CLOSED BEFORE ANY MORE SENSITIVE INFO GETS IN THE WRONG HANDS. THEY WILL NOT HELP ME! I DON'T KNOW WHAT TO DO! PLEASE HELP ME PROTECT MY INFO AS VENMO CARES LESS.
Product: Debt collection

In XXXXXXXX XXXX XXXX I found out that my identity had been stolen. I received a court summons at work. I received a summons at work on XX/XX/2023 from the XXXX XXXX XXXX for some sort of debt from Harpeth Financial Services. I was not familiar with this group and upon research found that it was for a XXXX loan of sorts called XXXX XXXX and the loan was identified as a Flex loan? I have never had an account with this group. The information used to obtain this loan was from an address that I have not lived at in 9 years. There was no actual signature shown on the paperwork submitted to me. The documents they sent had no IDs and I can only assume this loan was obtained online as it appears there is only an electronic signature. The paperwork that was received shows the loan was in the amount of {$2800.00} and the court summons shows {$4800.00}. As if this was not enough, I did try to dispute the debt myself. The paperwork shows no account number as the number has been blacked out on the document and telephone number is blacked out as well. When I disputed the debt, I was harrassed in a manner which I had not seen before, apparently a person who " searches for people '' has been speaking to my neighbors and calling my family members. Please make this madness stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I hired someone to replace a roof on our house. They offered my wife and I a " Promotional Loan Offer '' with " No Interest '' for 18 months if it was paid in full at the end of 18 months. Seemed like a good idea until my wife asked me when we got our bill for XX/XX/XXXX why we owed more than the initial loan was worth. Unfortunately since my wife pays all of our bills with a check monthly, I never realized that she was basically paying the minimum payment ( which was the same every month as stated on the bill ) and that that payment would not pay off the loan in 18 months. 

I called Synchrony on XX/XX/XXXX to try to resolve this problem and sent them a letter based on my conversation with XXXX XXXX from Synchrony, offering to split the incurred interest, then offered to pay the full interest that was accrued on XX/XX/XXXX. I have talked to various customer services folks and their account managers ( and have been patiently waiting to talk with the account managers boss which Synchrony said would call us, but haven't heard from them in over a week ). I have attached a copy of the original loan agreement, my initial letter to Synchrony, and 2 responses from Synchrony Bank for your information to help us resolve this problem fairly. Synchrony Bank   has not been very cooperative to this point. 

This type of loan is very misleading. Although I signed the agreement I was under the impression that if my wife paid the bill on-time every month that we would be done in 18 months. As you can see from the agreement that's not the case. I should have looked at the bills rather than simply handing them to my wife and having her pay them first because I was worried that we would get charged interest if it wasn't paid on time. 

XXXX XXXX, the first person we spoke with, offered to remove 2 months interest but that just didn't seem right, though now Synchrony says no interest can be removed. My wife paid 21 monthly installments of $ XXXX/month. You would think that Synchrony Bank would have found that " unusual '', why not pay it off in 18 months. XXXX XXXX said that if we had been " delinquent '' in any of our monthly payments that the bank would have gotten in contact with me to understand why a payment was missed, which would have been great because then I would have looked at the agreement and realized that this loan was coming due. Seems to me we are being unfairly punished for a loan like this and no other senior citizens should fall into this trap and that's why I am sending you this complaint, to get a fair resolution and to let others know of the pitfalls of this type of loan are. I have never had a loan like this, not from any other company who offered " no interest loans ''. When you paid the monthly bill, at the end of your term, the loan was paid off. With this loan, your monthly payments will not pay off the loan in full.
Product: Credit reporting or other personal consumer reports

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, XXXX, and Experian The student loan company reported a one time 90 past due late payment on XX/XX/2019. How can the payment be 90 past due late on XX/XX/2019 but in XXXX, XXXX, XXXX, XXXX, XX/XX/2019 the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really grateful that you have taken some of the fake items off of my credit report, but I think you should still disclose some of the disputed items that were the consequence of my identity being stolen. Please follow Section 605b of the Fair Credit Reporting Act and get the disputed entries removed from my credit file as soon as you can. According to what I've read, the Credit Reporting Agencies are mandated by Federal law to delete any accounts and information related to identity theft under the terms of the Fair Credit Reporting Act section 605b. If you think the disputed objects are mine, please send me copies of any documents you locate that have my signature or proof of ownership to back up your claim. It is expected that the disputed items will be deleted right away if you didn't find any papers. I'm asking you to please delete the following information from my credit file once more as soon as you can : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I was contacted by Key 2 Recovery about an unpaid dept from XXXXXXXX XXXX. I have never attended in person or online schooling from them. I graduated college in XXXX and have been in the same field of work for XXXX years. I explained this to them. 

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

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXXXXXXx XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX 7. XXXXXXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions
Product: Debt collection

I pulled my credit report on XX/XX/2019 and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/2019 I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.

2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.

3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters
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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately on XXXX They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but account not open by me XXXX XXXX XXXX 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

On XXXX XXXXXX/XX/XXXX I received an envelope from Chime with a credit card ready to activated. I checked and no one in my family requested the card so I called the company and asked that they immediately cancel the account and any checking account that might be associated with it. 
I spoke to two different individuals who asked me to verify last 4 digits of my social, my home address and birthday. They refused to close the account unless I gave them the email address associated with the account. Since I didnt open the account I did not have this information. After requesting to speak with the fraud team and expecting the exact same request for more information I began to get concerned that they were acting in bad faith. I asked them to send a notice to my home address that they closed the account but they refused and said that if I gave them my email they would send it there. 
I am not sure if the company is fraudulent or if someone stole my PII to open the account but I am very suspicious because my credit is locked and this card does not show up on my credit history with XXXX.