23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX - Late Payment XXXXXXXX XXXX XXXX XXXXXXXX - Charge Off XXXX XXXXXXXX - Charge-Off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a XXXX Savings Account, as part of the onboarding flow, I connected my XXXX  XXXX XXXX account and transferred in XXXX dollars. 

On XX/XX/XXXX I received two " change of address '' notices, alerting me that they had to correct the address I'd added when I signed up. 

On XX/XX/XXXX I tried to log into my XXXX account, and saw that it was " Temporarily Locked ''. The website said to call in order to unlock it so I did. I gave all my identifying information, and they requested that they mail me an affadavit of identity, have it notarized, and then for me to mail it back to them. I'd asked them to just send me the money back, but they refused. 

On XX/XX/XXXX, I called XXXX again as I still hadn't received a letter. They assured me that the form would take 7-10 business days to mail to me. I asked them what address they'd mailed the letter to and they confirmed they mailed it to my home address ( below, I describe how I was told something different by another agent ). 

On XX/XX/XXXX, I called XXXX again as it had been 10 business days. I also noticed in my email that after my call on XX/XX/XXXX, I received an email saying my account had been closed ( even though my money was not returned to me ). I asked about this and received 0 information. I asked again about the letter they were supposed to send me, and they had said that they sent it to an address which was not my home address ( it was an address that did not exist, perhaps a result of them having the wrong address for me originally on file ).
Product: Credit card or prepaid card

I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was " not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.
Product: Vehicle loan or lease

on XX/XX/2023 I applied for a loan to buy a Harley XXXX. the XXXX cost XXXX and i only had XXXX dollars down. I never dreamed I would be approved for the loan but i was even though i am XXXX  years and have very limited retirement income. I was estatic that a dream of mine was becoming a reality. All the add on and taxes brought the cost up to XXXX. 15 % interest for 8 years XXXXXXXX XXXX XXXX monthly payments. 
It did not sink in that i was over my head in debt until all my savings is gone and i am struggling just to live and survive. I should have never been approved for the loan and i still dont know how i was with my limited income. 
I have tried to talk to company about buying the XXXX back but because i owe over XXXX XXXX and the XXXX is only worth XXXXXXXX XXXX they cant buy it back and i can get it refinanced to lower the payments either for the same reason. And i signed the contract. being too excited for the opportunity to own my trike for the repercussions to sink in. Now I am in the position where I cant pay the payments as I have already used all my savings. I don't want a negative credit repossession but I don't see I have any other choice. I have talked to our state representative XXXX XXXX and he thought you might have some assistance. I know I got myself in this mess but I cant help wondering at this point why the lender approved me when my income was so limited. I was debt free up until I bought my trike. I am not trying to assign blame with anyone. I just need a resolution. if there is any wisdom to glean from this experience if you know you cant afford to pay for something dont buy it even if salesman makes it look good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently attempted to contact XXXX, XXXX, and TransUnion. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt  number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

TransUnion : On XX/XX/XXXX I sent a letter to TransUnion asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Product: Checking or savings account

On XXXX I reported unauthorized charges on my debit card for a total of XXXX XXXX and wasnt refunded the stolen money.
Product: Mortgage

I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.
Product: Debt collection

Suddenly received an email of " final notice '' in XXXX XXXXfrom XXXX XXXX XXXX! Wondering what it was for, I called the customer Service and she said it was adjustment from combining my wireless and internet service! I decided to pay the {$37.00} right there and then! 

A few days ago, I received a correspondence from Credence, a collection company that I owed XXXX XXXX XXXX {$37.00}, AND MUST MAKE ARRANGEMENTS TO PAY! The letter was dated XX/XX/XXXX for the bill I paid on XX/XX/XXXX! 

I called to let the Collection company know it was an error that I did not owe XXXX any more and that, the amount indicated was paid back on XX/XX/XXXX! The guy at Credence, XXXX XXXX, was of no help! 

I decided to call XXXX XXXX XXXX. I spoke with XXXX, but he too could not help to locate the payment but indicated that I had XXXX balance as of today on my account. 
I decided to chat with XXXX in their chat service because it takes a whole day to speak with a live person. 

XXXX did say it was a " pending amount ''! I said how could a pending amount yet to be paid be sent to Collection! He could not help either! 

I combined my wireless account and mobile accounts into one withXXXX on XX/XX/XXXX at their billing department! I also spoke with XXXX  on XX/XX/XXXX about further issues with the account! XXXX was able to successfully combine the accounts and provided me one account #! 
XXXX XXXX XXXX is charging me to pay again the account I already paid which was acknowledged in an email sent to me! The collection company indicated it was for XXXX XXXX XXXX XXXX XXXX! I haven't had TV service with XXXX XXXX XXXX since XXXX! Iseem to spend my days off calling XXXX XXXX XXXX for one problem or the other! 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Reported Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my account with cashapp was locked to prevent fraud when I was attempting to log out of one device and add a new device. They locked my account stating potential fraud. I contacted customer support and advised them it was me and I needed to have my account unlocked. They stated they would unlock it. I was attempting to have {$900.00} sent to me for a personal emergency. I waited and waited and it wasnt unlocked. The next morning on XX/XX/XXXX I called and reported that it was still locked and spoke with rep XXXX for case number XXXX. He stated that he would have a member from XXXX who was busy in that moment unlock my account within half an hr. I advised to him I desperately needed to use my account and it was an emergency and I really needed access to the funds that were in the account. XXXX XXXX put me on hold for a few moments and came back and advised that they werent able to speed it up any further but assured me that it would be unlocked within 30 minutes. 45 minutes went by and my account was still locked. I called back and spoke with rep XXXX. XXXX stated on case number XXXX they dont even have an IT department and the previous rep had blatantly lied to me about it and that it will be another day before I can access my funds. When I requested to speak with a manager, XXXX advised me that wasnt an option and that I had to simply wait to access my funds and she would file a complaint and escalate the situation further. To date I still can not access my funds, it cost me the ability to receive {$900.00} for rent and now Im getting evicted. I have zero access to any of my money and the support team will not do anything about it. Now Im going to be homeless over attempting to log out of my account on my cellphone and switching to a new cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  and Account # XXXX XXXX XXXX  XXXX XXXX have violated my rights. 

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
Product: Vehicle loan or lease

Hi my vehicle was repossessed, I spoke with an representative on Friday XX/XX/XXXX made payment arrangements & my vehicle was picked up on Tuesday XX/XX/XXXX XXXX after he assured me that XXXX be fine to make the payment on XXXX XXXX rep never mentioned that I was in XXXX status, yet they been taking my payments! 
I was treated very unfairly!
Product: Credit reporting or other personal consumer reports

Hello, I have reported to both TransUnion and XXXX that a collection company continues to reset the origination date on an old collection account, falsely reporting it as new. This practice is fraudulent, as the law explicitly states that the XXXX credit reporting clock begins on the date of the missed payment.

I need this issue resolved with both the credit reporting bureaus and the collection company. I do not understand why the credit bureaus refuse to remove this inaccurate information. 

For reference, my XXXX XXXX account number is XXXX. You can access account details at https : //pay.icsystem.com or by contacting XXXX. XXXX directly at XXXX.
Product: Debt collection

Bank of America has been calling my husband 's work non stop for the past couple of months. They started calling my mother-in-law now and leaving voicemails as well. The message left yesterday from them was from someone named " XXXX '' at Bank of America and he left the number XXXX-XXXX-XXXX to call. My husband has asked them to stop calling his employer, but they haven't quit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX
Product: Credit reporting

Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concerns regarding Zelle 's inadequate handling of customer disputes and complaints, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that has brought to light significant systemic issues within the platform 's operations and consumer protection measures. As a frequent Zelle user who has personally encountered and reported multiple discrepancies in transactions, I have found both my financial institution and Zelle 's response to be severely lacking in thoroughness and effectiveness. When approached about these issues, their representatives merely provided the unsatisfactory response that they had no capability to recover lost funds or trace transaction histories, effectively dismissing legitimate consumer concerns without proper investigation. 

The CFPB 's comprehensive investigation and subsequent findings have revealed deeply troubling patterns within Zelle 's operations. The platform has not only demonstrated a consistent failure to implement adequate consumer protection measures but has also inadvertently created an environment where fraudulent actors can repeatedly exploit the system 's vulnerabilities. This systematic failure has left countless users exposed to various forms of financial fraud and scams, with little to no recourse for recovery or restitution. The platform 's apparent inability or unwillingness to address these serious security concerns, combined with their lack of transparency in dispute resolution processes, represents a significant threat to consumer financial safety and well-being.
Product: Bank account or service

I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the XXXX XXXXXXXX credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XXXX XXXX XXXX  I was falsely XXXX on XXXXXXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX AL  and various hotels throughout my of XXXX  and XXXX In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXXXXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!
Product: Mortgage

I am writing to dispute the mortgage interest reported on Form 1098 for tax year 2024. The amount reported does not match the actual mortgage interest paid out-of-pocket by me, and I believe it inaccurately reflects the impact of a temporary interest rate buydown that was partially used and partially refunded during a refinance. 

Background When I purchased my home in XX/XX/year>, the seller paid for a XXXX temporary interest rate buydown totaling {$10000.00}. 

This buydown was used to subsidize the interest on my monthly payments for the first few months of the loan. Specifically, {$1700.00} of the buydown was applied toward interest over the course of three payments. 

In XX/XX/year>, I refinanced the loan. The unused remainder of the buydown ( {$8900.00} ) was applied as a principal reduction to the new loan. 

Issue with Form 1098 One of the mortgage lenders ( the original pre-refi servicer ) issued a Form 1098 showing only {$730.00} of mortgage interest paid. 

However, my records show that I made {$11000.00} in interest payments during the covered period, of which : {$1700.00} was paid via the buydown subsidy {$10000.00} was paid directly by me. This total is supported by the 3 mortgage statemtents ( {$8500.00} ) and the payoff statement ( {$3400.00} ). 

The lender reduced my reported interest paid by the full value of the buydown, rather than only subtracting the portion used to subsidize interest. 

The remaining unused buydown was not used for interest and instead applied to principal. It should not reduce my reported interest paid. 

They did provide a cursory look at this but their numbers can not be reproduced using my statements and they have refused to provide any more detail. 

Supporting Documentation Attached Monthly mortgage statements Payoff Statement Why This Matters IRS rules state that mortgage interest is deductible to the extent that it is paid by the taxpayer, regardless of third-party subsidies. While lender-reported 1098 forms may exclude seller-paid interest subsidies, the interest I personally paid should be reported and is clearly deductible. Subtracting unused funds from reported interest is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review my consumer report, I noticed multiple attempts of unauthorized hard inquiries to obtain credit cards and personal loans in my name. These attempts were not made me.
Product: Debt collection

Credit Management Inc is a 3rd party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Credit Management Inc showing that I owe this company any money nor have I given written permissible purpose for Credit Managment Inc to obtain my personal information and even contact me. Credit Management Inc is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life.