23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Southwest Recovery Ser. for committing identity theft. I have never given Southwest Recovery Ser. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Southwest Recovery Ser. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Southwest Recovery Ser. continues its collection efforts, I will file for litigation for actual damages caused and Southwest Recovery Ser. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

I hope this message finds you well. I am writing to formally address multiple concerns regarding my mortgage account, which has been managed by your company since [ date of transfer from XXXX ]. I am seeking a fair resolution to the issues I have been experiencing, which have caused significant distress and financial strain. 

XXXX. Insurance Coverage Claims : During the months of XXXX, XXXX, and XXXX XXXX, I was informed by Mr. Cooper that my insurance coverage was insufficient. However, I had active policies with XXXX different insurance agencies : American Strategic, Progressive ( Homesite ), and XXXX XXXX. Each of these policies was in place during the stated period without any lapse in coverage. The assertion that I was without insurance has led to unwarranted increases in my escrow and monthly payments. 

XXXX. Disputed Late Payments : I have been informed that there have been XXXX late payments reported on my account. I want to assert that I have not missed any payments nor have I been late. This inaccurate reporting is damaging to my credit and financial stability. 

XXXX. Unjustified Charges : I have been charged {$50.00} for send-outs related to claims of inability to contact me by phone. I would like to clarify that I have been reachable, and these charges appear to be unwarranted. 

XXXX. Forbearance and Escrow Increases : Since your company acquired my loan, my mortgage payments have increased by over {$1000.00}. Additionally, the mismanagement of my account has forced me into forbearance, which has further complicated my financial situation.
Product: Credit card or prepaid card

I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.
Product: Credit card

I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear Republic Finance, This letter is a formal notice to cease any and all unauthorized hard inquiries into my credit report and a formal request that you remove from my credit file the inquiry dated XX/XX/year>. To my knowledge I did not give written permission to have my credit pulled. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ). Furthermore, I did not get a loan from Republic Finance and do not plan to get a loan from Republic Finance. 
Please contact the institution and credit bureaus, where your organization has made inquiries into my credit history, to have your inquiries removed. 
Finally, since you do not possess written inquiry authorization, I request that, after removing your inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
If there is another company that I must contact in order to have them removed, please feel free to inform me. Thank you! 
Respectfully, XXXX XXXX
Product: Mortgage

My bank is robbing me. I 've only had my loan with this bank since XX/XX/XXXX and each year my payments keep going up. They claim my taxes are XXXX a year, however my township tax collector states they are {$10000.00}. I 've over funded my escrow since my loan existed and Pacific Union Financial is claiming my escrow is {$4300.00} short. I 've called numerous time to have it reviewed, faxed my proof from the township of the banks inaccuracy and they refuse to help me or fix my account. Where is my money going?!? They jacked up my mortgage {$630.00} a month!! I 'm extremely upset and dis pleased. They also have n't been sending the township the correct funds, and sent me a {$6500.00} escrow refund in XX/XX/XXXX, they slammed me with a XXXX tax bill right before XXXX. No one knows what they are doing and the turn around time to hear from someone is 3-4 weeks.
Product: Credit reporting or other personal consumer reports

Equifax is continuously reporting a charged ofXXXX XXXX XXXX account under my consumer report that does not belong to me. I have filed an identity report with the FTC and I've disputed with the consumer reporting agency several times and their noncompliance to remove false information is to my detriment and loss of financial gain/opportunities. I will attach FTC report, and a screen shot of the latest update of this account on my report.

This company ( EQUIFAX ) is in violation of this Federal Consumer Protection Law : 15 USC 1681 ( a ) ( 2 ), because I never gave written permission to report this account nor open it and to be furnished on my consumer report. This account isn't mine and must be deleted.
Product: Credit reporting or other personal consumer reports

This is my 10th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Smoke to all 3 credit beauras stating that the inquires on credit report where not authorized. Citied " per the FCRA, unverified and unauthorized items must be removed. 

Per XXXX, 24hrs after submission they state that the information is accurate per there investigation. 

Per XXXX, simple process to remove after investigation. 

Per Transunion, file complaint with
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is all of the evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. The Credit bureaus stated AccountS were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal of these accounts : XXXX Account : # XXXX XXXX XXXX Account : # XXXX XXXX XXXX Account : # XXXXXXXX XXXX Account XXXX # XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX  XXXX Account : # XXXXXXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX Account : # XXXX Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well Please help keep these Bureaus to be held accountable this needs to be removed
Product: Credit card

I have been a USAA customer for 49 years. Since XXXX of this year, I have been resolving disputed charges on my credit card with USAA. ( My current credit card number with USAA is XXXX, expiration date XX/XX/XXXX, security code XXXX. ) For the most part, these have been resolved, including charges in the amount of {$2500.00} which have been described as charges against my credit card for deposits to a bank account. I did not create these charges. In XXXX, USAA did set up " promotional '' checking and savings accounts which I do not recall asking for. Once I realized that these accounts were problematic, I had them closed. Even with that, they were reopened. I had them closed a second time. 

Meanwhile, two of three {$2500.00} credit card charges have remained. Once again, I am battling USAA have these resolved. I never get a straight answer on these last charges of a call back. In toto, I have made 20 calls since XXXX, XXXX to have all of these resolved and approximately 10 calls devoted to the {$2500.00} charges. I am always polite during these calls even with my growing frustration.
Product: Credit reporting or other personal consumer reports

I explained to TransUnion, that a collection account on my credit report from XXXX XXXX XXXX XXXX. Is not my account and I do not have any knowledge of this company ; This company appears to be a Fraudulent matteron my report. According to TransUnion, They are saying, I owe {$1100.00}. I have asked on several occasions for prove of debt or accuracy on this debt collection. This collection is hurting my credit score and I have no knowledge of this company XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I'm a new user of paypal. I'm a XXXX XXXX XXXX and I got my first payment thru paypal. May account is fully verified with bank accounts and card linked to it even my client confirmed his payment to me paypal decided to permanently limit my account and they'd hold my funds for 180 days. 
Paypal Account : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company called me said they were from quicken loans that I qualified for a personal loan for XXXX with a low interest rate was a little fishy, unless of course I choose a five-year repayment plan, then told a manager would have to call me to confirm my information again after the employee already did that, and once confirmed again they would send me an email with the loan terms that I requested. They both asked me if my checking account where the loan would be directly deposited to was positive or negative. I said that information doesnt need to be asked nor does it matter, just as long as its paid.. I told them Ive had many personal loans before I know the standard procedure and how it works to send me the documentation, instead I received a link from a XXXX account to click on for repairing your credit.. telling me I have to verify my identity. It was all sketchy. Ive wasted two hours already of my day that Im severely behind on very important things that I need to do or I will be in trouble with my rent. I told the manager if they were legit and not a scam I will look for an email with details and terms, and if not I will report them, then I hung up. I still havent received anything. 
The first gentleman said his name was XXXX the second one I didnt get a chance to ask, said they were based out of XXXX XXXX XXXX I looked up the phone number on the reverse look up website and app which came up as a landline number in New York. 


This is the email, numbers and link they sent me : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased eyeglasses from XXXX and returned them within the full refund date and received a receipt showing credit refunded back to my AARP Chase credit card for {$530.00} on XX/XX/XXXX. I gave 30 days for the refund to go back to my account. When it did not, I called the credit card company and opened a dispute. They said that they did not receive the refund. This situation has been going on since last year and has not been resolved. I received a letter stating that the account will be turned over to a collection agency on XX/XX/XXXX. I reaching out for assistance to close this situation. 

AARP Chase Credit provided a fax number, XXXX to send in the refund transaction forms. I have emailed and faxed the forms repeatedly. I continuously talk to the credit card company. I was informed that they did not receive the documents. I emailed them and faxed the receipt of return transactions on XX/XX/XXXX and XX/XX/XXXX, and spoke with Chase credit card company monthly. 

The manager of XXXX spoke with AARP Chase Card on XX/XX/XXXX and the situation was not resolved. The refund transaction clearly showed the return of receipt at store # XXXX on XX/XX/XXXX, for {$580.00}. They swiped it back to my card and AARP Chase Card said they did not receive it. 

I have been trying to resolve this issue since XX/XX/XXXX and now the credit card company tells me on XX/XX/XXXX, that I can not open another dispute and I need to call XXXX to reissue the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) Equifax is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an I1 but they are also reporting a late payment in XXXX that is incorrect.
Product: Debt collection

Left messages for them to call me back since I cant not make full payments. To try to resolve this matter. Called not only my family after I said not to but all threat them if I dont pay in full right away they will also go to jail
Product: Payday loan, title loan, personal loan, or advance loan

Around XXXX of XXXX I opened a credit builder loan with XXXX to build my credit and save money. The loan was {$1000.00} in which you get {$150.00} up front and you would pay on it every XXXX weeks and they would report to the credit bureau. My credit up maybe XXXX points within the first 2 months and after that, nothing. After XXXX months of paying on it I decided to pay it off early because it wasnt doing anything for me. I paid it off XX/XX/XXXX and it posted to the account 2 days later on the XXXX. I decided to use the credit reserve I built to pay it off which left me with an overage of {$300.00} that is supposed to be returned to me. They said it would take XXXX XXXX XXXX business days after the payment posted. So it was supposed to be XXXX business days from XX/XX/XXXX. On the app it says they sent the money XX/XX/XXXX but my chase account has not seen any funds. They then created a support ticket which has gone unanswered for XXXX weeks now with no word on anything. They said that its supposedly a technical issue with their system and I then chose to send it to my roar money account because that is what they suggested and still NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent account was opened in my name with XXXX. I contacted XXXX to start an investigation immediately and it was completed in XXXX. XXXX sent a request to Equifax to have the account removed and they did not remove it. I called XXXX again on XX/XX/XXXX and a second request was sent to Equifax to have this fraudulent account removed. It has now been almost 90 days past the second request and Equifax has not removed the fraudulent off my account. I have sent in letters with the document from XXXX stating the account was fraudulent along with documentation and nothing has been done.
Product: Mortgage

I believe that Triad Financial is violating UDAAP by implementing unfair practices to individuals who receive a 1099-MISC for their pay, along with pay stubs from the employer, as opposed to those who receive W-2s.

Even after attempting to speak with the mortgage underwriter as well as a manager in mortgage underwriting, their procedures blatantly revealed a prejudice toward individuals who are self-employed or are independent contractors through a company.

The company does not use your actual income, but the income that they perceive based on whatever lending practices that they have established, which do not treat 1099 employees the same as W-2 employees. The company asked for information to include bank statements, tax returns, verification of other income, and pay stubs ; however, they disregarded and misinterpreted information seemingly maliciously to deny a mortgage application. In fact, twice I was advised by their employees that " there was nothing else they could do, '' which was also extremely unprofessional. 

I have previously applied for a mortgage, was approved, and even just recently paid it in full with the same job that I've been working since 1987. I advised the company of this information and still they gave no further assistance, brushed me to the side, and upheld their unfair lending practices. I would greatly appreciate these practices being reviewed as they are clearly unfair.
Product: Vehicle loan or lease

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX Account paid in full On XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX  with a XXXX XXXXXXXX along this purchase I agreed to get an Extended Warranty plan to cover expenses and repairs. 
Unfortunately, I decided to sell this truck to another car dealer, I proceeded to cancel this service and get a refund on the extended service, Extended warranty dealer refund the amount charged for the service back to Ally Bank XXXX XXXX XXXX Ally Bank has refused to send me the refund of the extended warranty since that date, They are saying that It will take up to 130 days to get a refund, I told them this check was clear by them and are using my money for too long due to ineptitude, I already wait more than 2 months. 
There is not guarantee that I will get my refund at that time for the extended warranty cancellation To resolve the problem, I would like to get paid faster and with interest earned. 
I look forward to your reply and resolution to my problem and I will wait XX/XX/XXXX before seeking help from XXXX XXXX XXXX. 
Please contact me at the above address or by phone XXXX XXXX or by email XXXX XXXX