23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I purchase furniture on a credit card with Synchrony Bank in the amount of {$1700.00} with a payment due date on the forth of every month. Their promotion was " interest free for one year. '' All my monthly payment were on time and I brought the principal balance down to {$510.00}. The promotion period ended on XX/XX/XXXX. 

I received my XX/XX/XXXX statement showing the they are charging me {$430.00} interest for 11 days. On XX/XX/XXXX I sent them a letter voicing my opinion of disgust with their interest charge for 11 days, and sent them a check for the balance of {$510.00} One of the conditions in my letter was if they refuse to waive the atrocious interest of {$430.00} not to cash my check and return it to me. On XX/XX/XXXX I received a response and needless to say, they cashed my check and are now demanding payment of the interest charge. I suspect this is deceptive business practice and usury interest fee.
Product: Checking or savings account

Background Information : In XX/XX/XXXX, I hired a photographer, XXXX XXXX, for my wedding. Initially XXXX was booked for my original wedding date XX/XX/XXXX so she said that if I changed my wedding date, she would provide free 6 hours of videography. My husband and I agreed to move our wedding to XX/XX/XXXX, and we paid the deposit, {$400.00}, on XX/XX/XXXX. We paid {$1100.00} on XX/XX/XXXX and another {$1100.00} on XX/XX/XXXX. The invoice attached, # 137,  states 6 hours of wedding day coverage, 6 hours of video coverage, printing rights, online gallery, and a bridal session. 
After the wedding, XXXX stopped communicating, she lives in Idaho. She became difficult to reach and we did not receive sneak peek photos or anything until XX/XX/XXXX. I began inquiring about the video coverage but she either ignored my phone calls, stated she was in the process of moving or did not have internet. At one point she reminded me, per the contract, she had 8 weeks to deliver, XX/XX/XXXX, and she mentioned that she'd reach out as soon as the video was ready. 
On XX/XX/XXXX, when I still had not received the video coverage, I reached out and I received no response through text, email or phone calls. Since then she has not indicated that she is working on our project. XXXX XXXX does false advertising and doesn't complete projects within the contracts timeframe. If we knew that we would not receive the video then we would have gone with another company and kept our original wedding date. It seems as though she baited us with the incentive and never intended to complete such project. 
Reading XXXX reviews of her now, many other clients are stating the same thing and are pursuing legal action. She had done this multiple times to other clients. 
I sent a XXXX online complaint on XX/XX/XXXX but she refused to reply and XXXX   closed the complaint as a no reply from business, I reached out to Bank of America over the phone to attempt to get my money back as this was clearly fraud. Over the phone, in XX/XX/XXXX, the representative of Bank of America stated that because it had been over a year since the first transaction of {$400.00} ( XX/XX/XXXX ), she was unable to pursue the claim but she could pursue the other two claims on XX/XX/XXXX and XX/XX/XXXX. I understood that was fair and shortly after I received a credit for {$2300.00}. 
However on XX/XX/XXXX, I received a message from Bank of America stating the time frame for them to pursue this matter was closed, contradicting what was stated over the phone. Over the phone the representative stated they had a year to pursue the claim. It is unethical to contradict this statement especially in the face of fraud.
Product: Debt collection

Convergent Outsourcing, INC is reporting a frivolous debt to my credit reports that are not legally owed to them. I have never in my life done any type of business with this company. 

They are reporting that I owe them {$490.00}. When did I receive {$490.00} from Convergent Outsourcing, INC? 

I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to Convergent Outsourcing , INC . 

I have asked them to provide me with proof that I indeed owe Convergent Outsourcing, INC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. 

They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

Instead, they sent me a bill from XXXX  from XX/XX/2014, in which I have never had XXXX  service. I have been a customer of XXXX XXXX for over 15 years. I have called XXXX  on several occasions and asked that they provide me with documents or a contract of service so that I can file a fraud report with the authorities in which they couldn't provide me with any proof. 

So Convergent Outsourcing, INC what is binding me to your company? What makes you think that I owe your company money? When did I do business with Convergent Outsourcing, INC? Where is the contract that shows that I lawfully owe Convergent Outsourcing, INC money?
Product: Credit reporting or other personal consumer reports

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXXr XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


CFPB- PLEASE INVESTIGATE AS XXXX WILL ALWAYS LIE
Product: Credit card or prepaid card

They reported my citi card past due 30days I have spoken with Citi they said I have an agreement to pay them and wont reported on the credit reported due to my loss of income from covid 19, citi has it already in there notes that they were aware that I had loss my income from covid and they were going to help me out, I was never ever late on any of my accounts, I called everybody on my credit cards accounts that i loss my income everyone was on the same page, and citi bank was also aware, I need it removed please, I never was late on any of my accounts I make sure my creditors knew whats going on before hand. Thank you.
Product: Vehicle loan or lease

I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment. 

VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months. 

When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX. 

This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.

This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.

Thank you CFPB for investigating and representing the Consumer!!
Product: Mortgage

Fay Servicing is the current company that handles my mortgage. The original mortgage company, XXXX XXXX, modified the loan because of my financial hardship. The loan is now conventional with a fixed APR of 2.75 %. However, the term was increased to XXXX more years on top of the XXXX original term making it an unacceptable XXXX mortgage. Besides that, I noticed that from the beginning of the new monthly payments, the portion that goes to the principal is just {$100.00} on a total payment of {$850.00}, now increasing to {$950.00} in XXXX. On the other hand, most of the payment goes to the escrow account ( over {$500.00}. ) Because of that, I requested to have the escrow account taken off the mortgage and pay the property tax and homeowner 's insurance by myself. 
After many attempts to contact Fay Servicing including emails and secure emails on their portal and finally calling on the phone, my request was disregarded and not allowed. 
I am the mortgagee and holder of a loan that is no longer an FHA loan. As such, I have the right to decide who pays for the property tax and insurance, and to have the escrow removed from the loan. However, Fay Servicing is overcharging me and blatantly depriving me of that right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2100.00},
Product: Checking or savings account

USAA HAD COME TO A RESOLUTION WITH CFPB TO PAY ITS CLIENTS A LUMP SETTLEMENT IF {$180.00}. HOWEVER, THEY HAVE NOT PAID THEIR CLIENTS PER THE SETTLEMENT AGREEMENT. I PERSONALLY HAVE NOT RECEIVED ANY PAYMENT.
Product: Credit card or prepaid card

Informed Barclays Card that I no longer wanted to pay an annual fee for my Frontier XXXX. They agreed to eliminate the annual fee. They are still charging the fee. Barclay card has been notified several times and still charges.
Product: Credit card or prepaid card

Today i was denied for a credit card. I also have no credit because ive never opened one.

i checked my credit history and seen 3 unauthorized accounts under my name.

Ive been receiving all type of mail from probably more than 5 different credit unions.

over the past year ive have been kicked out of two banks unknowingly After I tried to open another I would be denied back to back I attempted to call and visit my local social security office here in XXXX XXXX XXXX, Florida but theyre communication is so poor I couldnt even get a hold of someone on the phone. Appointments are to be booked online meaning there are no walk ins. 


after i called XXXX XXXX they claimed to have found nothing under my name, but it is on my credit. 

I just got off the phone with syncb/care they wrote a claim. 

Im currently on the phone with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit File has Illegal Credit Information on My Current Credit File XXXX XXXX XXXX XXXX is Now a New Financial Name and Entity XXXX XXXX XXXX XXXX NC The Experian Credit File has Illegal Information on Former XXXX XXXX XXXX XXXX XXXX ( Expunge Fraud Information Immediatley ) Experian Credit File is Required to Terminate Multiple Criminal Visa Accounts Immediatley! 
Double Indemnity by Identity Theft in XXXX XXXX XXXX XXXX  North Carolina Contact Fraud Resolution Specialist Enterprise/ XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX to Require the XXXX XXXX XXXX to Terminate ALL Illegal XXXX Accounts Immediatley XXXX XXXX XXXX XXXX Due Process of Law
Product: Credit reporting or other personal consumer reports

I looked over my credit report today XX/XX/2024, and I have noticed some things are inaccurate. According to the fair credit reporting act, when a consumer reporting agency prepares a consumer report, it should follow all the proper steps to ensure the maximum possible accuracy for the information that is being reported for that individual. This XXXX XXXX with account # XXXX is not complete and it is also inaccurate.

According to the 15 USC 1682 s 2A, 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 the information is inaccurate. 

Please see my attach files showing inaccuracy on my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's formal handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle Numerous times and reporting it to the financial institution, they failed to investigate adequately. They informed me that recovering lost funds was impossible and that the tracking of such 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: Debt collection

XX/XX/XXXX I Was XXXXXXXX XXXX XXXX XXXX  Texas. I Rented some Furniture through a Rent to Own Place. Not long after the company went out of business. 
On XX/XX/XXXX i Was XXXX  XXXX from XXXX XXXX and started receiving XXXX from Social Security. 
in XXXX i was contacted by the original creditor XXXX XXXX XXXX XXXX and explained to the i was on XXXX. and the people on the phone at the time didn't seem to care they were very rude and pushy. telling my they didn't care how i come up with the payment just as long as i came up with it. 
Here it is 15 years later and the collection agency is still trying to collect some how. even though they have NOT sent me any notices in the mail or tried contacting me in any way, this debt is still on my credit report and it is severely damaging my credit. i wish to have it removed and my credit restored at once,
Product: Credit reporting, credit repair services, or other personal consumer reports

We sent a debt validation and cease and desist letter in to Northern Arizona Creditor Services and they did not respond within 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at about XXXX I noticed a strange charge on my credit card statement. It was generated from XXXX XXXX XXXX  in the amount of {$21.00}. After calling XXXX XXXX at XXXX I was connected to a person who identified him self as " XXXX '' who proceed to inform me that the charge was due to singing up for a service I don't remember agreeing to. ( XXXX XXXX XXXX ) So  knowing that one can lock or un-lock one 's credit free of charge I asked to cancel where I was informed by XXXX that I can NOT DO THAT and if I cancel he will unlock my credit that I already locked almost one year ago. I then asked to speak with a supervisor which I was denied told that one is  NOT available. I then assisted in canceling and was supplied with a conformation # XXXX followed by an email. I then recorded all information, including his name on a hand written note and proceeded to further investigate. 

I soon learned that Transunion has many, many complaints generated over time posted by people who complained of similar issues. 

Note I also have an email of my cancelation from Transunion
Product: Debt collection

I I call maverick finance and explain that I did not open this account. They said theres accounts open online. I told him that I didnt open it..
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in that account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breech ... I want all items deleted from my credit report effective immediately..I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing.Please help me delete the illegal accounts from my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Product: Debt collection

About ever six months Credence Resource Management LLC working for XXXX they keep calling my XXXX XXXX XXXX work phone try to collect a debt on another XXXX XXXX and I keep telling them it is not me and please take me off their call list. I give them my full name and last four of my ss #. But they will not give me any information because I am not the XXXX XXXX they are looking for! And every 6 months it starts over! this has been going on for about two years! The company name is Credence Resource Management LLC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX  XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX   with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.