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

XXXX XXXX XXXX I filed chapter XXXX bankruptcy in XX/XX/XXXX.of XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with Pen fed credit union while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXXXX an discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX XXXX  XXXXpen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my XXXX  is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT
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 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: Debt collection

We originally opened an account with Lowes in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including ICU for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to Synchrony Bank and Lowes and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXX U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX who Synchrony Bank sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. Synchrony Bank utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for Synchrony bank. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that XXXX & XXXX XXXX firm to reach back out to Lowes/Synchrony regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although Synchrony and Lowes have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX.
Product: Debt collection

I had a loan with speedy cash about 21/2 months ago I called in to pay it off and the representative done something to were it locked my debit card from being used to pay the loan off I was then told to mail a money order to the office in Kansas which I did well not there saying they did not receive the money order I went back to were I bought it told them of the problem they said they can track it to see if it had been cashed it took a while for them to find out anything I was notified that had in fact been cash by them but they still calling me and saying they never receive it now they have put it on my credit ...
Product: Mortgage

I have requested on many occasions verification of this alleged HELOC. The original paperwork v is a certified return receipt US Mail. None was provided. Despite this, foreclosure action was initiated by this XXXX XXXX, attorney and debt collection agency and bank, XXXX XXXX. The alleged amount is {$160000.00}.
Product: Credit card or prepaid card

Bank of America offers autopay which allows customers to have payment automatically deducted from their account. BOA forces customers to only pay the min amount due and when you try to pay extra it disturbs the auto pay and then they charge late fees to the customer because the customer is not informed that their auto pay has been disrupted!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX XXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXX XXXX XXXX ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been dealing with first Pacific funding. XXXX was the guy I was dealing with. I thought he was a lender later to found out from Umpqua Bank that he's a Salesman never told me that. I m financing a XXXX XXXX XXXX XXXX XXXX for my XXXX. Purchase price was {$49000.00} that was with Idaho State Tax. He said he could get me 9 % interest rate on a loan with no prepayment penalties. I told him I thought that was high for having a XXXX credit score and paying off some previous equipment. He said I didn't have a long enough history, more lies. I was kind of in a pinch and was going to lose this XXXX XXXX if I didn't get something done. 
So I proceeded and he sent the paperwork over. I thought I was getting 36 month term at {$1200.00} a month. I went to make the first payment XX/XX/XXXX. It said 60 months. I realize the balance was {$71000.00}. My heart dropped. I immediately tried to get ahold of XXXX no answer I emailed him twice never heard anything back. I finally heard back from a manager named XXXX XXXX. Only to tell me that I'm pretty much stuck with it and I signed the paperwork I said what paperwork. He sent it over. There was a quite a few things not right on it looked like the year XXXX my address was wrong, also wrong phone number and the signatures look different. They didn't have anybody sign their box. This company has been ruining businesses and people 's lives for 44 years it needs to stop.
Product: Debt collection

A collection agency placed a debt on my credit report. Claimed that Ive opened something in th year of XXXX. Ive sent mail via XXXX for debt validation and it has been over 30 days with no response.
Product: Credit card or prepaid card

I purchased several items using my XXXX store credit card and the " special financing '' offer where there would be no finance charge on the amount if it were paid off in a certain period of time ( six months ). Those orders were placed in XX/XX/2018 and the special interest rates expired in XX/XX/XXXX. The problem is that a large percentage of the merchandise was returned or refunded due to defects or the wrong item being shipped and when those refunds were made, the special interest plan on them was not updated to reflect that fact. Thus, on the expiration of the special interest plan, I was charged interest on the full value of the purchases as if they had never been paid off within the six months, when in fact the portions of charges not refunded or items not returned had indeed been paid in full. 
This resulted in significant accused interest charges being applied to my account and the automatic payments that I had set up were suddenly too low because XXXX had charged me for interest accrued although they had received refunds and payments that paid off all of the balances of the special interest rates purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a request to all three credit bureaus requesting that they correct two errors on my credit report. I promptly received responses from XXXX and XXXX XXXX correcting the mistakes, but I have not yet received anything from Equifax. They were supposed to respond inside of 30 days, but it is now 73 days and counting without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Checking or savings account

Received letter from Wells Fargo XX/XX/XXXX indicating they wanted to clarify a product that I might have or have not requested. ( I will include letter ). I didnt authorize XXXX XXXX and I never knew anything about it. I HAVE COMPLAINED OVER THE YEARS SINCE XXXX how Wells Fargo has violated my privacy and rights. Now all they do is send letters about 10 days as if they dont have to answer to anyone. Let me be specific, I am convinced this is racially motivated by the outcome of my complaints to continuously be ignored from the UNAUTHORIZED XXXX XXXX PRODUCT, AND A RACIALLY STIMULATED FINANCE RISK BASED PRODUCT TO CAUSE FINANCIAL HARM AND NO ABILITY TO AFFORD. I ask in this complaint, if anything here is not understood by the way Im writing about the issues, please allow me an accommodation to get further help as to why Im being ignored and totally disregarded as if my money doesnt count. As in take complete advantage of me because Im XXXX XXXX This has to stop and I will seek justice. Im open for legal guidance because Wells Fargo has been nothing but disrespectful to me and has totally violated my privacy. Wells Fargo also has TWO FRAUDULENT ACCOUNTS IN MY NAME WITH MY DAUGHTER WHO WAS A MINOR AT THE TIME SOCIAL SECURITY NUMBER. IM STILL WAITING FOR THE CHECK FOR REIMBURSEMENT OF XXXX PRODUCT. This was initiated XX/XX/XXXX. I HAVE GONE INSIDE A WELLS FARGO BRANCH TO FIND OUT MY IDENTITY WAS BEING USED HAVING MY MINOR CHILD SOCIAL SECURITY NUMBER ATTACHED. ALL I EVER GET IS NEED MORE TIME LETTERS SINCE XXXX with no resolution EVER! I have received a couple of small checks between XXXX & XXXX. But this is unacceptable and definitely offers the opportunity to make it right but Wells Fargo still HAS RACISM IN ITS CORE!! I have a letter to hear from WELLS FARGO BY XX/XX/XXXX. I FEEL THE ONLY WAY TO STOP THE UNLAWFUL BEHAVIOR AND LACK OF CARE IS TO GO TO COURT. I HAVE LEFT MESSAGES XXXX XXXX NO RESPONSE FROM ANYONE!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of 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 infeasible. The CFPBs 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: Student loan

On XX/XX/XXXX, EdFinancial cashed a XXXX dollar check I had sent them to pay off/be put towards XXXX loans. My first loan was from XXXX and amounted to XXXX. My second loan was from XXXX and amounted in {$13000.00}. I sent explicit instructions for the loan from XXXX to be paid off and then the rest of the amount to be applied to the loan from XXXX, ideally before interest restarted. Instead of doing this, EdFinancial applied the whole check to the first loan, which now has a balance of XXXX. Clearly this is not correct, and I have called EdFinancial at least XXXX times, sent them numerous emails, and attempted to use the chat with a representative function ( which has never worked ) in the last several weeks. None of these avenues have ever resulted in reaching a representative or being contacted back. At this point, I am not really sure what to do because I have wasted hours trying to get this resolved. EdFinacial has essentially stolen XXXX from me and is keeping it hostage somewhere without applying to my other loan. Any help in either getting this money sent back to me so I can write them another check or getting the money applied correctly would be more than appreciated. Thank you for your time.
Product: Checking or savings account

Multiple Fraudulent transactions going to cashapp & ive filed a fraud claim with CITIBANK, they told me the claim was denied because i authorized the transactions but thats not possible. my debit card information was compromised & used without my consent. Over $ XXXX stolen from me & they refuse to give me my money back. this is the worst experience ive had with a bank, i should be covered by Regulation E, i dont know what else to do besides file a CFPB Report. 

The cashapp name isnt even in my name so im confused why my claim was denied.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX is reporting late and was never late. This items needs to be fix on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2, states I have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My former landlord XXXX XXXX XXXX, is claiming I owe a debt of {$300.00}. A charge they made up out of spite, after several disputes we had that caused them to refuse to renew my lease. I lived there for 3 years and had never committed a lease violation. We did however have many disputes while I was living there, mostly due to XXXX prejudices claims. They really abused their authority by not renewing my lease for that reason. They despised the fact that I had no problem exercising my freedom of speech. When I moved out of my apartment and left it clean and completely free of trash or clutter, in fact I even swept the floors before I left. I then receive a made-up charge of {$300.00} for trash removal simply because of their pettiness. There was no trash to remove from the apartment, yet they charged me after I was gone a trash removal fee. That again was created out of their spite and pettiness, just like every other interaction with them. 
They could not and can not provide there was any trash to remove.
Product: Credit card or prepaid card

I mailed out a payment of XXXX on XX/XX/XXXX, on XX/XX/XXXX I noticed that payment had still not gone through so made min payment XXXX which was due ( knowing that the check had been mailed XXXX prior. I called company and they reported they were having issues with people mailing in payments and were going to start an investigation. On XX/XX/XXXX they charged me XXXX in interest and then finally put my payment through in next payment period and posted the check on XX/XX/XXXX. I called and spoke with them and said they were only allowed to issue me a {$10.00} credit for my troubles. The new interest that I accumulated was {$26.00} after payment along with the accumulated interest of XXXX. Why are they allowed to hold a check to gain interest for a month. I was informed that when my investigation started the rep I spoke with had already started XXXX others on that day, for same reason. I can't XXXX how many people are paying extra interest and fees due to checks not being processed accordingly. I was then told that this is why everything should be done electronically, which I had a " bank check '' and could not do electronically. I do not feel I should owe them a month of interest. I mailed out XXXX other checks that same day and all were processed from the other companies withing XXXX days.
Product: Debt collection

On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX  after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Product: Money transfer, virtual currency, or money service

Zelle gave me a lot of issues when sending and taking out money. I banked with XXXX XXXX when this was happening. My money would go missing at times and re appear days later. Noticed a few once when money was taken out my account aswell. Also it would cancel all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX  XXXX account # XXXX 3.  XXXX XXXX account # XXXX
Product: Debt collection

I'm asking can One Main Financial take off all off my close accounts that on my credit report. Thanks
Product: Money transfer, virtual currency, or money service

My Zelle account was closed and XXXX dollars was taken from me and transferred unwillingly and without my consent by ZELLE. My account has been closed and with me opening a business its making me lose profit because my Zelle account is closed.