23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out a loan for {$800.00} at a ridiculously high interest rate of 647 %. My bad, but it was the only option I had at the time. I needed money fast and planned on paying off the loan very quickly. 

I have screen prints of my payments, and on XX/XX/2021, I thought I was making my last payment. I had my regular payment of {$230.00} come out that day. The webpage said as of that payment ( on that day ), mu balance was {$400.00}. I went online and paid that exact amount. It even said my balance was XXXX, and I was happy Inever had to deal with one of these shady lenders again. Now today ( XX/XX/2021 ), I have a mysterious {$100.00} unknowingly taken out of my account from Boost finance. I called them up and asked what that was for ... .They tell me it was to pay my loan off ... .never really explained what the remaining money was for. They tried telling me that the payment I made of {$400.00} was not the last payment and I still owed them {$100.00}. If I really did owe them that, they should have spelled it out for me clearly, because at that interest rate, I would have paid it off when I had the money 2 weeks ago. 

I sent them a screen shot and they then tell me they are calling me back. They call back and tell me that their IT department made a mistake!! It is always the IT department making the mistake in the end, isn't it? lol. They said I still really owe them that money ( I have not figured out if I actually did or not because I was furious with what was happening ... i do know I paid them {$370.00} in interest in 40 days on an {$800.00} loan, and that should be illiegal in itself, but I signed up for it ) ... .They then say they are going to refund me the {$100.00}, but it will not get back to me until the XXXX because that is when it posts ... This is now XXXX-5 days that they unknowingly took my money, and I now have unsufficient funds fees from my bank ( 2 of them for {$34.00} ) and I am not able to cover 2 bills, which is going to get me in trouble. 

I have also been getting offers since the second I paid that money off that they want to give me another loan ... because that one was paid ....
Product: Mortgage

Last year our mortgage company sold us to Nationstar mortgage company.  It has been a nightmare ever since.  Even though my husband makes the payments to this company, we don't understand why they are not putting it towards our account.  
Now a few months ago my husband had XXXX so that left him without work or being able to pay to the mortgage company.  We're still waiting for him to get on XXXX  He contacted Nationstar about this, and I'm not sure who he talked to but they said he was protected with the insurance to cover these type of things.  Then a month later they tell him he's not eligible.  
Since XX/XX/2014 all this company has been doing is hassling us and throwing "foreclosure" in our face.  We sent them checks faithfully like I said until 2 months ago when hardship fell with my husband.  But they have been threatening foreclosure even before this.  I went to their website and it just appalls me the complaints people have with this company and they still remain operational.  There is something very wrong with this picture and someone needs to do a thorough investigation on them.  When there is this many complaints on one website that should be a red flag even for the Better Business Bureau.
It's not like we're trying to get out of paying our mortgage.  We will pay it.  But we have to wait until the money starts flowing again.  And this is the only company we're having problems with.   But I feel threatening your customers every 5 minutes and calling XXXX times a day is not a solution.  They know our situation.  But when you call them back no one seems to know anything and you get a person from another country just telling you to send money.  The most unprofessional company I have ever dealt with in my life.  If things can't be taken care of this way, I guess I will have to look into a lawyer because I feel companies like this need to be stopped.  They're not here to help anyone.  I feel that they want people to lose their homes because they know they'll make more money that way.  Disgusting!  And I know we're not the only ones that feel this way about this company.  My husband and I are just totally fed up and this is one other problem he doesn't need on his plate at this time.
Product: Credit reporting or other personal consumer reports

I have contacted the company via e mail and over the phone and request to update or delete my information and if not delete tehy must provide correct information to credit bureaus and validation to me but they refuse it and ignore it I contact them once every month for the past XXXX months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit and applied for a savings account at XXXX XXXX on XX/XX/2023. I was refused and told that ChexSystems was the credit reporting agency. 

Note : XXXXXXXX XXXX is an online bank, applications are done via a web form. The application would not accept my last name as correctly spelled XXXX. The apostrophe was not allowed. I used XXXX instead. 

When I used ChexSystems ' online request form to obtain my consumer disclosure on XX/XX/2023, after completing the form and submitting it, the web page went into an " endless spinning '' mode and never confirmed submission. 

Since the online request form was broken, I tried using the automated voice system provided by ChexSystems. Again, when having to say and spell my last name, the system was unable to understand what an apostrophe is and failed to be able to capture my last name correctly. I proceeded with using " XXXX '' instead. 

I am concerned that there are many thousands of customers of XXXX XXXX  that have apostrophes in their names, and that due to poorly designed automated systems used by banks and credit reporting agencies, consumers are being denied services. 

Further, because the name can not be accurately represented in their systems, I am concerned that ChexSystems is using error-prone name matching heuristics and inappropriately matching my ID to someone with poor credit. This may be happening to many thousands of people having ancestry/backgrounds that feature names that the designers of these computer systems have decided is not worth the effort to get right. 

We should hold these systems accountable for the highest quality and rigorous standards in software development -- they can and should be able to represent names containing apostrophes. The fact they can't is a leading indicator of poor practices and security vulnerabilities.
Product: Credit card or prepaid card

I received 2 CASH APP prepaid cards that I never requested or applied for in the mail. Once card ends in XXXX and the other ends in XXXX. 

I contacted CASH APP but they refused to do anything in regards to closing the accounts or investigating them as fraudulent. 

I want these accounts closed and investigated as fraudulent because someone else might have applied for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the companies has violated my rights. 
154 USC 1681 Section 602 States I have the right t privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
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 : XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$19.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX with account # XXXX and a balance of {$17000.00}. The original creditor is XXXXXXXX XXXX XXXXXXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account, which has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I am a student and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFB, I sent my second letter to TransUnion by certified mail regarding a public record ( USBK Court N.J. docket no. XXXX ) that is listed on my credit report. TransUnion sent me a letter that stated they verified that this incorrect item is mine but they did not tell how they verified it. FCRA 623 ( a ) ( 5 ) states if they can't verify this item with the Original Creditor, they must remove it from the credit file. I contacted USBK Court in NJ and they sent me a letter saying that they don't share information with credit bureaus or 3rd party organizations according to Federal and local law, BR 9037-1 ( a ) ( b ). Attached you will find my letter along with the certified mail slip and the letter from the Bk Court in NJ. I need TransUnion to remove this in accurate item from my report.
Product: Mortgage

Made my mortgage payment to Freedom Mortgage Company on XX/XX/XXXX for {$2500.00}. Freedom Mortgage Company drafted this payment from my checking account twice, over-drafting it in the amount of {$890.00} with a {$29.00} overdraft fee. I called Freedom Mortgage on Monday XXXX when this hit my account, and was told it was a mistake and I would be refunded the extra payment amount by XX/XX/XXXX. I was not, and I called again on XX/XX/XXXX, and was told they needed to verify with my bank that the payment had gone through for a refund to be processed, something that was not done the first time I had called. I was then told the payment would be processed immediately, no later than the next day. It was not. I called again on XX/XX/XXXX, and was told it should be in by the next day, but could give no guarantee. I asked to escalate the matter and speak to someone higher up, as I have been left with no money and an over-drafted account for over a week, for an issue that was from Freedom Mortgage Company in the first place. I was placed on hold for over XXXX minutes before the call hung up without resolve. I currently do not have money in that account to pay my other bills, or buy food, and have no faith that the issue will be resolved after being told XXXX times information that was untrue. The Freedom Mortgage Account shows a payment reversal made on XX/XX/XXXX a funds received on XX/XX/XXXX, but none of this is reflected in my checking account. Screen shots of these accounts without numbers have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for some time since my identity was stolen and now being apart of the Equifax Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet XXXX  and Equifax refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX via XXXX, XXXX XXXX XXXX XXXX XXXX and CBNA 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
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX '' I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Mortgage

Amerihome Mortgage Company has lost three of my payments on dates XX/XX/18, XX/XX/18 and XX/XX/18. 

They told me I haven't paid since XXXX, but what actually happened was they changed my account number without notifying me. They said they were forwarding payments previously to the correct account, but starting in XXXX they no longer did that. I was never notified until I received certified mail saying I was in the process of foreclosure on XX/XX/XXXX. 

I sent them proof of payments well before this on XX/XX/18 from XXXXXXXX XXXX and all of my checks have cleared. I have received no refunds or help from the company. They have all been completely rude and uninformed. I was transferred a dozen times every time I have called. No one shares any notes that I was told to submit, however one customer service rep said she received it..then I got another foreclosure notice. This has been embarrassing and caused much anxiety for my family. Amerihome has made no effort to find the money they took from me or fix the problem. If they wish to foreclose, I have all of my records and have sought legal advice. I can't afford to make additional payments since they've lost mine already and will likely apply my next payment to erroneous late fees and other charges they created even after taking my money. attached are some documents from bank. They have repeatedly hung up on me and made no effort to return calls or emails. Admittedly, by the 15th attempt I was rude. They also dropped my credit score from XXXX to XXXX.
Product: Money transfer, virtual currency, or money service

I recently opened a brand new Venmo account. My girlfriend sent me {$30.00} and when i tried to transfer it out Venmo said my account is frozen. I contacted them and they told me to send my ID and SSN. I do that and the answer i got was that my account is permanently deactivated and that the money ( {$30.00} ) will remain in the account and will not be released. How can they just steal money on a brand new account? its not making sense to me. What could i have possibly done to deserve that on a brand new account.
Product: Money transfer, virtual currency, or money service

I am writing formally to expressing my conserns regarding Zelles handling of disputes, particularly in light of 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 misinformed me that recovering lost funds were impossible and that tracking these transactions was infeasible.the CFPBs findings indicate that Zelle 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: Mortgage

Ck. # XXXX. Servicer misapplied funds to a totally incorrect account, XXXX XXXX  every financial regulation. Specifically, was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we specified the correct account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a target Credit card in my name i did not authorize this card to be opened, i tried calling TD Bank who is the orginal bank that opened the account and they can not resolve this they don't know who to send me to and it goes round and round with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX  XXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX  XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )