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

On XXXX XXXX, XXXX, I accidentally injured myself at a park in XXXX XXXX, CA, away from my home in XXXX XXXX, CA, and was brought to XXXX XXXX XXXX XXXX ( XXXX XXXX ). While inside the XXXX XXXX, I asked and was told by their medical staff that it would cost me around {$600.00} for my minor injury. This was witnessed by my husband, XXXX, who was with me at that time. But when my bills finally arrived home by mail, I was surprised to learned it totaled to about {$1900.00}, broken down as follows : {$1200.00} for XXXX XXXX XXXX XXXX ( Exhibit A ) AND {$740.00} for XXXX XXXX XXXX or XXXX ( Exhibit B ) The day of my accident, XXXX XXXX already knew from the start that I was on XXXX-XXXX with a XXXX-XXXX of {$970.00}, since they were the ones who provided me with a copy of my XXXX-XXXX Eligibility information sheet ( Exhibit C ). Accordingly, I was expecting that they would just ask me to pay the {$970.00} as my XXXX and XXXX will take care of the rest, just like in my other medical bills in the past. But to my big surprise, both companies insisted thru letter that I either pay them the whole amount of {$1900.00} OR they will bring this matter to their respective agencies for collection. This despite the fact that I sent them successive letters explaining what my XXXX benefits includes but all my pleas felled on deaf ears, as if they have never heard what XXXX XXXX means. True enough, my case was passed on to their respective collection agencies for collection : XXXX XXXX XXXX for XXXX XXXX ( Exhibit D ) AND XXXX XXXX XXXX XXXX XXXX for XXXX ( Exhibit E ). And as expected, my credit history went down the drain and was severely damaged as a result of the derogatory reports that these companies have placed on my credit history report, without even considering my XXXX benefits. Enclosed is a copy of my current credit report ( Exhibit F ), for you to understand how these companies have damaged my credit reputation even up to this writing. Practically, what these companies wants me to do is to pay them more than what my XXXX XXXX of {$970.00} requires, in addition of course to the money they have already collected from XXXX for their services. I have tried but these two collection agencies do not want to coordinate with each other and are not willing to come-up with a written accounting statement of my medical bill, showing my XXXX XXXX XXXX of {$970.00} on it with the balance to be paid by XXXX. 

What these companies have done here is totally wrong and needs to be corrected immediately. And it is only but fair and proper that they should rectify their own misdeeds with all the credit reporting agencies that they have shared this misinformation, in order that I can also recover from my own dismal credit rating.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

My credit report ran on 3 credit bureaus while they said it will be only one bureau and soft check. They ran for a used vehicle which is not even available and I lost 11 credit points for a useless cause. They don't even have other vehicles and tried to sell a very expensive SUV to me. The finance manager did not answer my inquiry properly and was very rude.with his unpleasant behavior I was shocked. He just told me I can do whatever I can. This is happened at XXXX XXXX at XXXX, XXXX, FL.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 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 allowed repeat offenders to exploit the system, leaving users vulnerable to scans. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold XXXX XX/XX/XXXX XXXX until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection with XXXX XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both XXXX  AND this credit bureau with regard to following the FCRA guidelines.
Product: Money transfer, virtual currency, or money service

My account is locked out from transferring different currency to my personal wallet although it lets you put money in the account and freezes it.
Product: Mortgage

SLS Loan Servicing is the worst company around. I have a Heloc that the interest only period was ending on XX/XX/XXXX, so XX/XX/XXXX, they sent letters offering a modification and explaining it was shifting to a principle and int. payment and that I needed to send in like {$880.00} by XXXX or the deal was off. I signed the letter and sent a cashiers check. ( as I was fine with this ) Then, out of the blue XX/XX/XXXX. I got another letter saying the same thing, that I was being offered a modification and to send money, etc.. I called them and they were like, 'oh, yes, we see you sent this in already, we 'll take care of it '. We then noticed online that we owed {$1400.00}! Then also in XX/XX/XXXX I got another letter now offering to modify it again ( 3rd time ) and this time keep it as an interest only payment for 5 more years, so naturally that sounded better than the previous XXXX offers, which I thought were already in effect, but never appeared to have taken root in their billing system. So, I called again, after that first call then ensued 2 full weeks of about XXXX different SLS people calling me back and each one was as clueless as the first caller as to what was actually going on with the modification or what took place starting XX/XX/XXXX. Now, my principle balance seems to have gone down, so hopefully that original {$850.00} was applied to principle, but there is no way to check or to verify this. Also, no one could tell me how they were calculating the interest and coming up with the payment they were now telling me was due ( well over {$1000.00} for some reason ). Even if they had switched to a principle and interest payment at the original index plus the margin the amount they were saying was due could not be calculated on any amortization calculator for XXXX amortization, and I work in the mortgage industry so I do this on a daily basis. So, it appears they are most certainly over billing me on interest and can not seem to figure out the payment structure nor the modification or when it goes into effect or if it ever will. The last guy I spoke with said that it should all be fixed now ( about 2 weeks ago ), but my wife just went on line and again their website is showing we owe {$1000.00} again ( the payment at int. only should be about $ XXXX/mo based on {$97000.00} and Prime plus 1.75 % or 5.25 % interest only ). This amount does n't even equal two payments ( if we happened to have missed one, etc ... ), so again, they are full of it and the most clueless company I have ever dealt with in my life and I 'm over XXXX yrs old. I went online and there is no less than about XXXX reviews all slamming SLS to no end and many, many similar stories to mine. They need to be stopped and put out of business or fined heavily as I 'm sure they are ripping off the public to no end. 
Thank you, XXXX
Product: Checking or savings account

At around XXXX of the XXXX of XXXX of the current year, I went to deposit the amount of {$100.00} to my local Navy Federal Credit Union ATM XXXX which is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The ATM procedeed to malfunction and that led to my transaction not being recorded correctly, it then proceded to glitch out and kick me out of the transaction, claiming that the bills could not be read properly and then it dispensed {$25.00} back, which is not the complete amount I deposited, stripping me of {$75.00} dollars. It also gave me my card back, but no receipt at all whatsoever, I re-inserted it and inquired my account and to my surprise, there was no money in the account. Shortly after I filed a investigation claim with them, and they just don't give me a proper explanation of why this malfunction happened. I keep getting bugged off claiming that the " claim is up already '', but literally I'm so affected financially by this outcome because I have a traffic ticket due that's gon na double now, that was the only reason I went to deposit my money confidently, I've never had this happen with them nor any other banks. I understand mistakes happen but why do I have to wait and on top of that be affected financially by a company that is just neglecting me when I need it, but if we flipped the script I always need to pay the bank on time otherwise I'm delinquent. Furthermore, I'm very dissapointed by the outcome of this situation and wish there was more than can be done than just getting brushed off. I was also denied for a provisional credit since " It's not a fraudulent transaction '', but that is very ironic, because it's exactly what is happening here.
Product: Mortgage

I was unaware that my loan was sold to a new servicer. Therefore I made my XX/XX/21 mortgage payment to guaranteed rate on XX/XX/21. They were supposed to transfer this payment to my new servicer, but this never happened. Ive called multiple times and no one has been able to tell me if or when my payment will be sent to my new services, or if I would get a refund. I was therefore forced to make another payment to my new services so I wouldnt be sent to collections. I have yet to make me XXXX payment because I need guaranteed rate to refund me or transfer the money to my new servicer. If they do not do this, I will be sent to collections as I am unable to make another double mortgage payment.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b (
f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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 XXXXXXXX XXXX XXXX : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Product: Checking or savings account

Wells Fargo opening numerous accounts under my name when I already had both a checking and savings account. 
I DID NOT NEED ANY ADDITIONAL ACCOUNTS. 

Also the substantial overdraft fees.
Product: Credit card or prepaid card

Chase is charging me {$790.00} for a transaction that should not have had an extra charge. I had emergency XXXX while traveling in XXXX. The hospital required a temporary deposit of {$10000.00} euros ( on XX/XX/2019 ) which was returned when the insurance company verified payment ( on XX/XX/2019 ). My Chase credit card does not have foreign transaction fees - the amount debited in dollars should have been {$11000.00} because the euro to dollar exchange rate was XXXX on XXXX XXXX. Instead, they debited {$12000.00}. When the {$10000.00} euros was returned, they credited {$11000.00}, which was correct because the exchange rate was XXXX on XX/XX/XXXX. As a result, I am disputing the extra charge of {$790.00}. I have contacted them by phone twice, by secure message with documentation, and by mail with documentation, and every time they give me a different reason for the fee and deny my request for the charge to be removed. I contacted the hospital, and they said they charged XXXX euros and returned XXXX euros so they did not get the extra money. Chase first said it was a difference in exchange rate so I showed them it wasn't. Then they said we used a PIN for a cash advance - I don't even have a PIN for the card, plus it was a purchase of hospital services, not a cash advance. They have not responded to my last letter ( XX/XX/2019 ) disputing their reasons - it has been a month with no response. I started my protests in XXXX, as soon as I got my statement and saw the mistake. I have attached their last denial letter, my response to the letter, and my Chase statement showing the debit and credit.
Product: Debt collection

I have received several debt collection letters from Portfolio Recovery, on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. All of these letters state that I owe {$2100.00}. I have no idea what this is or why they are attempting to collect this amount from me.
Product: Credit card or prepaid card

Hi I have this long dated credit card issues with Synchrony bank years ago and every time I received their Creditor 's letter about my late payment that didn't pay up, I called to their fraud and investigation departments many times and they always told me the issues would be resolved in XXXX weeks and this has been back and forth with this credit card company that they duplicate charged me with something I don't understand why and no one from that creditor can explain but always told me that they are trying to resolve it. 
this goes on and off for years and affects my credit scores however they were sometimes erased from record ( as i called back and tried to find out the results ) but then after few months it comes back to me again! it's always in this loop of circle that I can not see transparently how they dealt and what they can explain to me the issues if it's solved or not. Today, I am receiving debt collector 's letter asking me to pay back the amount which I am not aware of and not even understand why this mistake ends up me paying for the amount + interests! 
I need someone who can help me here please thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file bankruptcy in XX/XX/XXXX  2020 due to income reduction. There were several credit card accounts that I had paid the balances in full prior to the filing. Some of these accounts were closed by the Grantors due to inactivity by me not using them. Others were closed by the Grantors based solely on the bankruptcy filing. My issue is ALL of these accounts are reflecting " Account Included in Bankruptcy '' when there was no balance owed on the disputed accounts. I addressed this fact with the Credit Reporting Agency in my dispute filings. My credit report on all but one of the accounts in question doesn't even reflect my payment history on them. There is no mention that the accounts were paid off ; only that they are in bankruptcy. It's not right that these accounts are noted with negative remarks when the accounts were closed by Grantors when they were in good standing. I feel the remarks referencing " bankruptcy '' should be removed on these accounts and the accounts be moved to the Satisfactory Accounts list in my report. I had added a Consumer Statement to my Credit Report stating the fact that these accounts were paid off. But, since it isn't seen until the very end of the Credit Report a Creditor would have to scan down through several pages of " Inquiries '' to even know it exists! No one is going to see this statement.
Product: Vehicle loan or lease

My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.
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 XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 reporting or other personal consumer reports

INCORRECT PAYMENT STATUS, PLEASE REMOVE LATE PAYMENT.
Product: Consumer Loan

I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.
Product: Credit reporting or other personal consumer reports

Social security number was a breach and massive data breach from f t c as well as my employer XXXX XXXX XXXX XXXX  massive Data breach