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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

On XX/XX/17 I received a voice mail from a person who refused to identify himself. He said this is about a " theft '' that I committed and needs to be taken out of my checking account. i called the number listed XXXX, the person that answered said the company is XXXX, and they work with Citibank. He said I need to settle the account or I will be taken to court this week, for theft. My outstanding balance was $ XXXXplus on a credit card and if I pay {$2000.00}, i would avoid court appearance. I told him, I dont have that money, and he stated " Fine, youre going to court '' and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items Synovus bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report with Experian, I found a collection that I wanted to dispute. I attempted to follow Experian 's detailed steps on-line to dispute, but could not find a credit report number. I went directly through Experian and set up an account, but when I called Experian 's customer service number ( XXXX under support on credit report ), I was left in queue for over XXXX minutes on multiple attempts. Once I was finally able to speak with an Experian representative they told me I had to get the report from them, which I did and even shared my account information. The representative told me that I would have to pay for my full credit report. Is this legal? I have to pay for my credit report to dispute something. Note that I attempted to call the company, XXXX XXXX XXXX XXXX at the phone number listed on this alleged credit report ( XXXX ) XXXX, yet this number has been disconnected. Experian needs to be held accountable for this unethical business practice. Consumers can not opt out of Experian having access to their credit information and thus needs to be held accountable to specific and clear standards. How am I as a consumer able to dispute a collection on my credit without any way to contact Experian or the collection agency?
Product: Debt collection

I have sent two letters certified to the Collection Agency, disputing and requesting validation of a debt they claim I owe according to FDCPA, 15 USC 1692g Sec. 809 ( b ). One on XX/XX/2019 and the other on XX/XX/2019. In return I received copy of an invoice from them of the original creditor with a XXXX balance. 
This is not a validation of the debt. Nothing with my signature and the original amount according to the invoice was {$1700.00} and they claim to be collecting {$300.00}. The unverified items remain on my credit report in violation Federal Law. They have not provided me a copy of Any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 612 ( a ) ( 1 ) ( A ).
Product: Mortgage

I contacted them since XXXX for delinquent payment so I applied for Loam modification because my husband do not have job for 3 months from XXXX to XXXX because my daughter had a serious car accident and undergone XXXX XXXX XXXX XXXX. 

I filed and applied loan modification in XXXX, no response no email, no phone calls. I sent an email and called but customer service difficult to contact. 

I followed up the loan modification in XXXX send my letter via email, no letter, no reply to result about loan modification. 

In XXXX XXXX, they ask for my tax for XXXX and XXXX for additional documents for my application for loan modification. 

XXXX XXXX, they send me letter registered mail to pay XXXX $ give me unto XX/XX/XXXX for the payment of 4 months of my mortgage including all penalties.If not paid The foreclosure will be file to the next step. keep on calling the day received it almost everyday in XXXX I can't contact the customer service, I emailed them no reply to my email. 

Today, I called them XXXX Customer service LoanCare XXXX patiently waited for 50 minutes on the phone finally I got answered by customer service and asked how is my loan modification .She said I am not approved on the loan modification but repayment plan given to me starting XXXX amounting XXXX $ in seven months. I did not know that I was not approve because until now I am struggling and financially unstable. 

No call, no correspondence, no email and then customer service can not be contacted. for a long time. 



T
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 XX/XX/XXXXand 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 findings 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I submitted my information online to the free XXXX XXXX XXXX but was denied. I wasnt given a reason. I need to know why I was denied and what I need to do in order to get my report
Product: Credit reporting or other personal consumer reports

Dear CFPB Customer Service, I hope this message finds you well. I am writing to express my continued frustration regarding the inquiries on Equifax I have disputed multiple times, both by mail and online. Despite my efforts, I have observed that Equifax updates these disputes after just XXXX hours without conducting any proper research, resulting in no changes to my credit report. 

As I have previously indicated, the inquiries in question were made without my permission, and it appears that my personal information XXXX have been compromised. I have formally requested documentation from the respective companies to substantiate these unauthorized inquiries. If they can not provide such proof, I expect that these entries be removed from my credit report immediately. 

Regrettably, Equifax has processed updates to my disputes without any substantive investigation, leading to the same unsatisfactory outcome. This pattern is both concerning and disheartening. I urge Equifax to take this matter seriously and assist me, as well as others facing similar issues, in safeguarding our information against fraudulent and illegal use. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.
Product: Debt collection

I'm not aware of this debit. I have disputed several times. Also I have requested VALIDATION with no legitimate information provided.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. I am contacting you today in regards to a few issues. One being that I made several attempts to close a " XXXX '' credit card, owned and operated by " Comenity Bank ''. During this time, I spoke with Customer Service in direct relation to the account, asking for a " audit '' of the account ; furthermore, it was requested that an investigation be started to determine the ownership of the debt. 
I granted permission to allow my Attorney to speak on my behalf and about the issues at hand. A " Debt Dispute '' was filled out and sent to the parties. 
To date, nothing has been sent to me as was requested as far as the information pertaining to the ( alleged ) debt. I myself know firsthand that the debt may be linked to my account, but i am not the person that used the credit card, running up a high bill. 
As I have currently been living in XXXX New York, in a township called XXXX, then moving 45mins away to a city called XXXX. I have not been in or around the State of Pennsylvania since XX/XX/2019. So the debt request investigation that was made, was for a good reason. The involved company 's have yet to work with and or accept a payment of {$25.00} dollars. I was told that the minimum payment due at the time of the conversation was well over {$150.00} dollars. 

It would be greatly appreciated if someone could look into the matters and get back to me to further discuss the matter in its entirety. 

Thank you in advance for your time, attention, and consideration into this matter. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I have US bank credit card problem somebody use my identity and open credit cards I cant block that card pleaser help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my federally protected consumer 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. 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. 1681 s-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: Money transfer, virtual currency, or money service

I was in the process of changing banks and left my old bank account ( XXXX XXXX ) open since changes to my direct deposit setup were slow in going through. On XXXXXX/XX/XXXX I changed my Paypal preferred method to my new bank ( XXXX XXXX. I attempted to delete my XXXX XXXX  account from Paypal but it would not permit me to do so. I went on a trip that day for a conference in DC and used several XXXX. When I got home, I found out that Paypal had continued to send transactions through to XXXX XXXX  over the weekend, and was therefore overdrawn with overdraft fees for each transaction amounting to nearly {$400.00}. I sent Paypal a message and received an automated reply that they would respond to me within 24 hours. They did not contact me. I double checked that my preferred method of payment was saved as Chase. It was. I tried again to delete my XXXX XXXX account from my Paypal account and could not. I tried to close my Paypal account entirely, but the webpage was non-responsive. I went to my bank and asked them to forgive the late fees, and they agreed to take a little more than {$100.00} off. But by the end of the week, additional automatic transactions for subscription services were sent through, overdrawing me again by more than {$100.00}. I video recorded the problems I have had with the Paypal webpage, but  now I have lost over {$400.00} in overdraft fees because the webpage is unresponsive. Finally, I went into XXXX XXXX  and closed my accounts entirely. This morning I received notice from Paypal that they are still trying to send transactions through.
Product: Credit card or prepaid card

I was told Care Credit does not have an official dispute department by the Care Credit dispute supervisor. They ignored the original complaint when filed with them in XX/XX/2021. After a heated discussion with the dispute department manager he told me there is no medical arbitrator, or medical advisor on staff, so there is no way to check and verify charges. Whatever the provider says goes whether legitimate or over charges, who cares. The consumer pays for a very skewed way to play. No recourse in this unregulated field. 

There are no checks and balances at Care Credit. There are no consequences for providers that overcharge because there are no accountability measures in place at Care Credit. 

I was charged {$79.00} for dog cookies, and {$490.00} for a {$50.00} dog harness, etc. Then complications arose where the original provider wiped their hands leaving me no option but go to an XXXX XXXX  which I later found out the original provider was a partner in. There is No legislation in this wild west industry for services charged. 

Care Credits response, Well, you signed for it. Yes in an emergency situation. I was astounded at such shoddy business practices all the way around.
Product: Debt collection

I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX
Product: Debt collection

Debt was ACH into New Bank of America credit account instead of the right credit account known as XXXX XXXX and no longer Bank of America ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the Bank of America, now known as the New Bank of America, transferred it after the payment date into the Bank of America, now the debt buyer XXXX XXXX XXXX account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from XXXX XXXX, nor the New Bank of America, or the Bank of America on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the XXXX XXXX ( Bank of America ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against Equifax. This complaint is for XXXX XXXX ( Bank of America original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of XXXX XXXX to be cooperative with the federal and state consumer protection laws.
Product: Mortgage

Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement.
Product: Mortgage

My mortgage was paid off in XX/XX/XXXX with PHH MORTGAGE. The amount of {$900.00} was left in escrow and was to be refunded to me. PHH mortgage claimed they mailed a check for this amount on XX/XX/XXXX. I have not received that check. 
On XX/XX/XXXX I spoke with the XXXX in Customer Service and explained the issue.XXXX advised me that I needed to send a fax to the Research Department and request payment verification and a re-issue of the check. I faxed this request the same day. XXXX stated I could not contact the Research Department directly because that department did not have a phone. 
On XX/XX/XXXX I received a letter from PHH mortgage stating a new check number XXXX will be re-issued shortly. I have not received that check either. 
Again I contacted PHH mortgage. 
Tuesday XX/XX/XXXX I called the Escalation Department and spoke with XXXX who took the information and stated she was going to call me back that same day. I have not heard back from her. 
Wednesday, XX/XX/XXXX I called the escalation department and spoke with XXXX he took the information and advise he was going to call back. I have not heard from him. 
Thursday, XX/XX/XXXX I called the escalation department and spoke with XXXX and who took the information and advised she would surely follow up and call me back. 
I have not received any further communication from PHH Mortgage. I have not received my refund check.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is sharing my transaction history on my consumer report without my consent, account # XXXX XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ) that is illegal please delete the late payment or items marked as late from my consumer report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Vehicle loan or lease

I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX alerted XXXX Inquiries on credit. XXXX, I called companies with inquires. Found an unknown suspect used my name, SSN and addresses to make injuries to obtain goods-services, left suspect info not my own : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX. Additional fraud soft inquires via XXXX ( XXXX XXXX, On the XXXX XXXX ). XXXX suspect ( XXXX ) made additional fraudulent hard and soft inquires with credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Network XXXX XXXX XXXX XXXX ) ; Equifax ( XXXX XXXX, XXXX XXXX ). Additional suspect information was supplied by the businesses that the suspect used email XXXX and phone XXXX. 
XX/XX/2021, I made a police report with the XXXX VA Police, report number XXXX. 
XX/XX/2021, I updated an FTC Report XXXX : XXXX In contacting all XXXX credit bureaus they wanted me to do the investing and have the companies that requested the credit retract the inquires. 
Some have corrected the hard inquires but, XX/XX/2021 XXXX I called XXXX and per first name - XXXX XXXX XXXX ID XXXX, file # XXXX to reference this call. XXXX will not remove soft inquiries from my report even though I told him it was fraud and have made reports with PD and FTC. Will have a supervisor call me back within XXXX days, but they can not remove them. No one called and no one corrected my credit report. I continue to get emails from the credit company saying my credit score could be better if I paid money to them.