23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX CARD SERVICES XXXX, XXXX XXXX XXXX ( balance {$4400.00} ), XXXX BANK XXXX, XXXX XXXX - XXXX BANK XXXX, XXXX XXXX XXXX ( balance {$830.00} ), XXXX XXXX CARD SER XXXX, XXXX CARD SER XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( balance {$3000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( balance {$9600.00} ), XXXX XXXX XXXX ( balance {$9700.00} ). 

Please see my Identity Theft report and documents in the attachments.
Product: Credit reporting or other personal consumer reports

I sent a written letter to the company asking them to provide me with a method of verification since they had reported information to be verified and accurate. I asked for documentation proving who they spoke with, when they spoke with them, and any documentation provided to them to verify such information. I requested that if this information could not be verified such information should be removed immediately from my report.
Product: Credit card or prepaid card

Since returning the cellphone to the company XXXX, we have contacted Synchrony Bank over 12 times to discuss the dispute. The dispute has been closed and opened 3 times without us knowing. We contacting Synchrony bank again today to discuss the credit of {$640.00} for a phone that we returned to XXXX in XXXX, and we provided the tracking number XXXX to show that they received the phone on XX/XX/2021 at XXXX XXXX and signed for by XXXX. Although we have provided accurate and effective documentation to prove that we didn't keep the phone, Synchrony bank has failed to give the {$640.00} back XXXX and they have continued to charge interest for the {$640.00} XXXX. After trying to explain to XXXX, a customer service manager, today that we have been illegally charged interest and denied a refund of an item that we have proven to be returned to the merchant months ago, she did nothing but be rude, disrespectful, and argumentative ( by telling me that she will start a new dispute and it will take up to 3 months to resolve ). I requested a superior above XXXX because we have already did this 3 times and placed over 12 phone calls, and XXXX told me that a superior above her might call me within 2 weeks if they feel like it's something to further discuss with me. I told XXXX that I feel the need for a superior above her to get involved because I'm the customer that has placed over 12 calls, waited on 3 closed and open disputes, and been charged interest illegally, and still haven't received a refund or any kind of resolution. XXXX continued to be rude, disrespectful, and argumentative, so I have decided to seek help outside of Synchrony Bank with this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! 

Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. 

Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX  's authority to automatically take money from my checking account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had the American Express card for over 4 years and never missed a payment. From {$2000.00} my limit is now {$13000.00}. Last night while I still had over {$9000.00}, I tried to make a purchase and it wouldn't go through. I called Amex and was told my limit had been reduced from {$13000.00} to {$3900.00}, the exact balance on the card. My limit was reduced in the middle of a transaction. I had checked my balance before trying to make the transaction. I was told my limit was cut because I have not been making payments and my credit score is low which is very untrue. I have never missed a payment or made late payments in over 4 years and there is nothing wrong with my credit score. I could not complete the transaction and I was left stranded because now I can not pay for the bid I won at a car auction with XXXX  This drastic action will also hurt my credit score and raise my credit card utilization.
Product: Credit card or prepaid card

Cash app is holding my funds for another week when they already have it
Product: Mortgage

I modified my loan and any thing I owed was put on the back of my loan my sevicer states I owe XXXX in fees. I have never missed one payment since I modified my loan XXXX/XXXX/XXXX I 've showed proof on my original modification agreement with XXXX ( XXXX ) then it states my loan is up in XXXX/XXXX/XXXX which my modification clearly shows my loan is up XXXX/XXXX/XXXX. My loan servicer literally gave me a new ending date for my loan over 40 years more. When I clearly took out a 30year fixed rate. An after I modified my loan and was approved my ending date is now XXXX/XXXX/XXXX. Plus I 'm im owed for the forced insurance that was put on my house when I already had insurance it took three weeks to get this straight and I was told/writting that it is being credited to my account yet I 'm being told I owe late fees which if I ever pay my loan pass the XXXX of the month I always add first it was XXXX $ then I was told it was XXXX $ In late fee charge ( I always put the fee in as I am obligated to ). I believe this servicer ( s ) are doing illegal practices to rob unsuspecting consumers. I 've ask in writting at least 2 time to show me in writting how I owe these funds because my bank records clearly show I have never missed a payment since I modified my loan and ever thing I did owe was put on the back end of my loan. So I 've come to the conclusion that this is not my loan!
Product: Vehicle loan or lease

Auto loan was paid and closed they refuse to remove it off my credit report and its negatively impacting me no matter what I do they wont remove it but yet I get calls and theyre steadily attacking my credit report with false information each month the vehicle was returned by my and then soon after was sold a month later the company itself is currently being sued due to false reporting information and illegally charging or doubling interest rates on vehicles they are trying to charge me for a vehicle that was fully paid off once sold it took them XXXX months just to come and get the vehicle from us as requested and then trying to charge us and sue us for things they have done in result of these fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX, TRANSUNION AND XXXX SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE XXXX  XXXX HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed these inaccurate accounts multiple times since XX/XX/2021 But they have not deleted any of the accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts which is a violation of 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation
Product: Mortgage

wells fargo enrolled my va motgage in a morgage accidental death product that began on XX/XX/year> and ended XXXX XXXX they also they enrolled my va mortgage in a health protector bonus product from XX/XX/year> to XX/XX/year> all without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent collection being reported on my credit profile. I never opened any account nor received any service from company in question. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to Equifax and they still failed to remove this fraudulent account from my credit report. Attached is proof that Ive made several attempts to get this fraudulent account removed from my credit report.
Product: Consumer Loan

When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. 
Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. 
On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. 
After getting off the phone I canceled the two scheduled online payments. 
I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. 
However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. 
I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. 
No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 Disputed National Credit Systems Account on XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am looking to buy a house for my family and upon looking at my credit report I see several data points that are not accurate
Product: Debt collection

The company World Finance was told during initial process by any means do not contact my employer. They called on XX/XX/XXXX for the 3rd time. When I called their corporate I was advised it was in fact noted to not contact my employer by any means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with Equifax and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be. 
Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXeference number : XXXX Record type : Bankruptcy chapter XXXXdismissed Court
Product: Mortgage

I paid off my home XXXX Paid {$56000.00} as full and final payment to Newrez mortgage co.as requested. 
Apparently XXXX XXXX escrow was charged XXXX for wind/storm XX/XX/XXXX escrow charged XXXX for flood I received a refund XX/XX/XXXX of {$4800.00} Which I thought was prorated overpayment Then on XX/XX/XXXX of XXXX escrow paid out {$6100.00} for hazard insurance Which I paid directly to XXXX XXXX XXXX 

Now Newrez mortgage who is XXXX shellpoint mortgage is telling me that I still have a mortgage and they are charging my escrow payments until XXXX. 

Shellpoint wants another XXXX plus XXXX pay off fee to pay off my mortgage because they will continue to accrue escrow payments As of today they are requesting {$8000.00} to satisfy my mortgage But my thought is I was given a PAYOFF AND THE MONEY WAS RECEIVED AS FULL AND FINAl via a wire transfer of the amount requested of {$56000.00} I am sending the forced place insurance department all my declaration pages to prove coverage during the disputed time and to present XX/XX/XXXX. 

Shellloint mortgage co. told me they could not give me any information as to why I still have an open mortgage account after mortgage was paid in full. 

In the mean time the account is growing with more fees and escrow payments This needs to stop I PAID MY HOUSE OFF IN FULL.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 please delete all other addresses on my report besides XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Background : this is my third attempt to correct this. I will proceed with legal action next. On  XXXX   XXXX   Blake Whitt  placed a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,    2017  but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to reply with EVERYTHING I ASKED FOR ON THE LETTER. You provided me a copy of a lease which is not proper validation. I asked for several other documents including your license to collect in Texas and as  XXXX   XXXX . Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau. I have a   XXXX   XXXX   XXXX   XXXX   for the  XXXX   XXXX  and this had affected my clearance which will entail affect my job! I will Be seeking legal action next.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent 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 is impossible. CFPBs recent finding indicates Zelle not only neglected to protect consumers but has also allowed repeat offenders to remain exploiting their system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I unfroze my credit with Transunion and XXXX. XXXX was unfrozen within 15 min. Transunion still is blocking all lenders from my report 6 days later. Called on the XX/XX/XXXX was told it was unfrozen, lenders still blocked. Mon XX/XX/XXXX I called and spoke to 14 different people telling me it is not frozen. One agent told me there was a technical issue and would be fixed by end of the day. Lenders are still blocked. I called again today theXX/XX/XXXX agent says will be unfrozen within minutes. Lenders are still blocked. No one will help me or let me talk to a supervisor or someone that can help me. You can not live a normal life in America with frozen credit! My car died and I have been trying to get my credit pulled from transunion 6 days now and all they tell me is that it is unfrozen and will not do anything to solve the issue. I am in panic mode right now and mentally can not handle talking to another 20 people there. XXXX was unfrozen within minutes and transunion refuses to help no matter what dept I get.