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

I understand when under duress I will do what is necessary and needed to stay solvent. I did not completely read the fine print only to find exorbitant monthly payments but the terms of the loan is for 60 months and interest rates beyond reasonable. I have a modified payment plan for $ XXXX while my credit reports are showing 90 days delinquencies and the current total is {$7500.00} with a principle amount of {$5800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of previous written request, The 3 credit bureaus neglect to correct the information in my credit file. I have been patiently waiting on the response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report that are needs to be corrected : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters asking for this use to be resolved. I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX  Lowes Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX 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 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 year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2023, I went online to XXXX to purchase XXXX XXXX tickets and other amusement tickets in the XXXX area ( XXXX XXXX and XXXX ). The total was {$850.00}. When I tried to process the transaction it gave me an error saying that it was rejected by XXXX, XXXX unavailable and declined by processor. I tried one more time and got the same error. I then proceeded to go to the XXXX website to purchase tickets. They also use the same service ( memberdeals.com ) to process payment and got the same results. Since the transaction was declining I went ahead and purchased tickets directly with the amusement parks. On XX/XX/2023, I saw that the transaction actually was showing up on my XXXX card statement through USAA Bank. On the same day, USAA sent me a letter stating that they will post a temporary credit to my account while they investigate. They stated that they may contact me and the merchant to start their investigation. On XX/XX/2023 they informed by letter that they needed additional information from me about the transaction. Since I did not have any additional information and assumed that they would be contacting the merchant I did not provide something I didn't have at the time. On XX/XX/2023, I received a letter form USAA stating that they have denied the disputed because they did not have sufficient information to reverse the transaction .On that same day I contacted memberdeals.com and spoke to XXXX XXXX XXXX and he informed me that there is no record of a transaction taking place nor a payment from USAA in the Chase system. He sent me an email of our conversation where I sent the information immediately to USAA. On XX/XX/2023, I received another letter stating that there was not sufficient information to reverse the transition. I immediately called USAA and asked why. They informed me that the email did not have correct dates or transaction information. I instructed the customer service rep to review the email and she immediate communicated to me that the information was there. I demanded that they contact the merchant to resolve since this issue is not between me and USAA but the merchant. I demanded the credit on the account. The same day I wanted to insure that XXXX did not charge my account so I spoke with XXXX XXXX and she informed me that that they were unable to confirm the purchase.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent Synchrony XXXX XXXX  a letter two weeks ago stating that this account was fraudulently. I have not heard anything from Synchrony Home. Please remove and delete account immediately.
Product: Credit reporting or other personal consumer reports

I sent in Disputes on XXXX XXXX to Experian some account that I believe were inaccurate. Experian came back and refreshed that the accounts were accurate but when I pulled up my credit reports across all reporting agencies each one is still say something different. So if this information is correct I would like them to tell me how they verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Product: Money transfer, virtual currency, or money service

This week, PayPal suspended their services in XXXX. Despite having all the data, they did not bother to notify the impacted customers here, in the US. Not a single email to those who transfer money regularly to warn about the upcoming change, and no information on the website. " You can't send money right now. Your recipient can't accept payments right now. '' is the only message I received when trying to pay a teacher in XXXX. PayPal is known for poor customer service, but this is a new low.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Discover bank is fraudulently charging my debit/credit card account without my authorization, which is " unauthorize us '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have contacted them to resolve this issue but their representatives are purposely hanging the phones up. i have tried to speak with a supervisor/manager but they've had me on hold for hours and disconnect the lines. Charging any fee is a violation 15 usc 1692f ( 1 ) Unfair Practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting or other personal consumer reports

I want the XXXX authorized user account from my credit report. By the FCRA I have full control over what gets reported to my credit report. Please remove the XXXX Authorized User account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all XXXX agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/WALMAR, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMAR, XXXX/XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...
Product: Credit card or prepaid card

I the natural person am writing this complaint on behalf of myself and no other. Congress makes the following findings that an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. I recently applied for an increase on my navy federal cashrewards visa account and was denied. Navy federal then furnished an adverse action letter stating on the front that I have reached navy federal 's maximum unsecured credit limit. Which is false because my sister has $ XXXX limit. Adverse means ill will, opposed to, contrary interest. I the consumer have an unlimited open end credit plan. I know the truth when I enter into a credit app. Navy federal is acting adverse to administer myself credit to make them a creditor and extend myself my own credit. Navy Federal is acting with an ill will they are being hostile, deceitful, and fraudulent towards me. When I first applied for the card they pulled from XXXX. Why did they switch up? Why not ask me who I rather them pull from? They then went on to say that the credit reporting agency played no part in their decision. When I turn the adverse action letter over it than states my credit score and key factors that adversely affected my score all from XXXX. The reasons they have listed are serious delinquency, length of time accounts been established, too many accounts with balances, and lack of recent bank revolving information. to the illegally furnished information that XXXX is reporting without my consent I was denied. Navy federal denied me because of nonpublic information that they purchased from XXXX whom humiliated me and got denied. Where did XXXX get this information from they need to tell me who are the neighbors and family members they interview to get this information. Pursuant to 15 USC 1681d ( d ) ( 3 ) CERTAIN PUBLIC INFORMATION IS PROHIBITED. Pursuant to 15 USC 1681d ( d ) ( 4 ) consumer reporting agencies shall not prepare or furnish certain adverse information. No where in the FCRA does it state that you need a credit score to get an increase. Navy Federal and XXXX is now civilly liable for negligent noncompliance.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle 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 my lost funds was impossible and that tracking these was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 consumers safety.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX along with two other times before that XXXX federal let two purchases of XXXX and {$300.00} go through without the dud being available and then charging me the nsf fee for both transactions
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

My name is XXXX XXXX with PayPal registered email address XXXX My account was limited but the limitation was over and I got email from PayPal to withdraw my funds on XX/XX/2021, but when I want to withdraw my funds, it doesn't allow me, it says there is an issue with my account. 

But PayPal said I could withdraw my funds after the 180 days, but the 180 days is over and I can not withdraw my funds.

I have funds {$4500.00} in my PayPal.

I am very sad about this I have bills to pay.

I need PayPal to resolve every issue with my account so I can withdraw my funds as the 180 days is over. 

Again my email address associated with my account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  2009, I file d for bankruptcy for  Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first  house or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
Product: Checking or savings account

I opened a checking acct online with key Bank on XX/XX/XXXX with the understanding it was a bank promotion of earning {$200.00} after 90 days. The requirement was that I needed to have a direct deposit of {$550.00} or more. I have had numerous direct deposits since then. I was expecting the {$200.00} around the end of XXXX. I called them and stopped in the bank and they seem to be giving me the run around. I did misplace the online code that I used to open the acct but they should be able to verify it. They are still offering the promotion as of today. How hard can it be to see I opened the acct online in XXXX. We are talking about {$200.00} not {$2000.00} or {$20000.00}. I feel like they should have deposited the {$200.00} within a reasonable time of investigating it. 

Thank you,
Product: Debt collection

The company Midland Credit calls multiple times a day and from different numbers, and call daily or every day. They have been informed to contact or correspond by mail only, and have not sent any correspondence by mail to date, but continue to harass me by calling every day multiple times from different numbers.
Product: Mortgage

US Bank listed a property for sale. The claimed to have clear title in the original purchase contract. I obtained financing spent money to get my loan and when I got to closing I found out there was a lien against the property they knew about and failed to disclose. They then expected me to sign a document " Holding them harmless '' from the lien. My lender refused to fund my loan when they saw the " hold harmless '' on the pending lien.
Product: Credit card or prepaid card

On XX/XX/2022 I used my Care Credit account to pay {$500.00} XXXX XXXX XXXX of a {$700.00} medical bill.I called the provider ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX because I saw on my online bill that I still owed {$700.00}. I was told that they never received a Care Credit payment on my behalf and that I need to call Synchrony Bank ( XXXX believe they make the payment to the providers ). I called Synchrony and was then informed that payment are none of my concern and that the provider need to called them to handle it. I relayed this info to the provider and they called Synchrony and was told that there was not payment on my account although I saw that there was ( and still is ) a {$500.00} payment. So the provider told me to wait. Fast foward to today ( XX/XX/XXXX ) I called the provider again and was told that they still haven't received a payment and that I should call Synchrony again to see what was wrong. I called them and was told yet again that payment issue are none of my concern and that I could not dispute the payment because it isn't an error on their end. They ( Synchrony ) wanted me to have my provider call them