23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I got a new car by flagship acceptance financial. It was a loan for XXXX on a car that is XXXX and they have only reported eight months of it when I had it for more than 18 months and on their end they say everything looks great but on the credit report and any credit bureau its not getting reported Since XX/XX/2023 also everything that I have paid till then shows that I only have paid off {$1000.00} of it which the car basically still has a payoff of XXXX I have called I have done dispute, and there is nothing being done about it
Product: Credit card

In XXXX XXXX, I received unpaid billing notice from a Collections Agency for a PayPal account through Synchrony. The bill was for more than {$4000.00}. I never applied for this card, and did not receive it or use it. I investigated and was told payments had been made on this account. False. I did not have this card. I checked my personal bank account,. No payments made. 

The fake account they are using against me : XXXX I asked address they were using and was told it was an address where I lived more than 12 years ago. I asked the email used. It was a bogus email. 

I filed complaint. I did not hear anything back so I called. I was told the account had been closed. Later, when applying for a home loan, I learned this " unpaid account '' showed up on my credit report. 

I have filed several subsequent reports with Synchrony and keep getting denied. They tell me I made payments on the account and received " benefits '' from the card. False. I never received a card, nor did I apply for it. 
They keep telling me I made payments on the account. False. I never made payments on an account I did not open, I have received two recent emails showing no balance on a PayPal account. I have called them and told them I do not have an account and please remove me. 

I have filed multiple Fraud complaints with Synchrony and keep getting denied.

Synchrony gave someone a PayPal credit card, but it was not me. I did not have a card, did not make any charges on the card and did not make any payments. I did not receive a bill from Synchrony until turned over to a billing agency in early 2024. That is because I never had an account. That is when I learned of this scheme. 

I need this debt removed from my credit reports because it is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have spent this year focused on improving my credit score and fixing my finances. I paid off all my debts owed and have been focused on being a responsible consumer. This hard work is met with a lot of frustration as I feel I do my part but a company like equifax doesn't have to do theres. I paid off two derogatory remarks that were showing on my XXXX  report and one showing up on equifax. I paid this debt off probably 4 months ago that is still showing up on my equifax report. The transunion report is showing them removed and my credit score is increasing. But equifax doesnt seem to care to update this info and I have been attempting to increase my credit accounts to again increase my score. But I apply for new cards and the equifax report is still showing that debt and is preventing me from moving on. I have been furious over this as equifax doesn't seem to care when I reach out to them and doesn't even respond back. I email XXXX XXXX  as well and nothing. I asked XXXX XXXX  and they just send me a generic link about credit scores. I need help, I did my part and paid the debts now I need equifax to do there's and promptly remove the debt and actually update my score. I feel controlled by these big compoanies and feel like its not right for me to do my part but equifax not have to hold up there end by updating this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : XXXX XXXX XXXX XXXX fraud not mines never had account with them, balance {$43.00}XXXX XXXX XXXX {$47000.00}, XXXX XXXX XXXX XXXX {$0.00} closed, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX balance {$59.00}, XXXX balance {$76.00}, XXXX balance ( closed, XXXX XXXX ( closed ) In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX  where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX  with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from Wells Fargo again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the Wells Fargo Loan appearing on my credit report to XXXX and XXXX and I received a notice from XXXX dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my report that i did not authorize
Product: Debt collection

HIDAY & RICKE THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.
Product: Debt collection

my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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
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 were unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. and Regulations E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX placed an inquiry on my credit which isnt authorized and fraud. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX, and the person couldnt find me.
Product: Payday loan, title loan, personal loan, or advance loan

I received an advance from Fundo LLC. I was making payment then got behind. I restarted paying again but unfortunately missed another payment, which then cause Fundo to place a lien on my account. They sent the paperwork out on the XXXX of XXXX and by the XXXX of XXXX my XXXX and XXXX accounts were block. I couldn't receive money from any of my XXXX  accounts, personal business, XXXX or anywhere else I have XXXX connected to. I was unaware at first but once I released the probably I contacted Fundo LLC to have the XXXX removed. They told me I had to pay off my account before I can have access to my payment processing accounts. I informed them that I had the money on my XXXX accounts between XXXX and business accounts. I signed all necessary paperwork on the XXXX of XXXX and I still do not have access to my XXXX and XXXX, and they have now blocked my XXXX, XXXX and XXXX. I can pay bill and having trouble making money because I can access funds for gas and materials.
Product: Credit card

I have two cards with Capital One and I sent coupon payments for both cards with certified mail, so I received the green receipt cards when they received the mail, less than a month after that Capital One restricted both cards. One of the cards Ive had for several years and the other maybe four months. But I pay my bills once or twice a month. I spoke with two agents and both admitted my good paying history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Equifax. I have been having no score with them since XXXX. They are currently reporting no date and late payments with my student loan accounts 4 different ones. I contact XXXX  they said they are reporting on time payments. Since i recently been having problems with Equifax i am sure they are the ones reporting late payments and NR for all on time payments. I am in the process of buying a home and the next step will be to sue Equifax. I been on hold 1hr 28 mins after speaking to controller XXXX and shes rude and i was still asking questions and she just transfer my and im just waiting for supervisor. Im sure they will answer after 2 hrs and then phone will just hang up like always. They are going to say they are sending i. Whatever XXXX is reporting but i spoke to 3 different people at XXXX and on the XXXX  and XXXX  i have on time payments. I am demanding Equifax to update all my ontime payments and remove no report and late payments for XXXX XXXX my ssn is XXXX XXXX XXXX. Equifax is terrible and they should be ordered to close down. Im sick and disgust with them since XXXX. 

FIX MY REPORT XXXX IS NOT REPORTING LATE PAYMEMTS ITS YALL TERRIBLE SYSTEM
Product: Credit card or prepaid card

I have a Visa Prepaid Card with Bank of America. There is an incorrect charge on my account of XXXX. I have tried to resolve this with the merchant and even contacted Bank of America while at the restaurant. The person I spoke to informed me the charges were pending and after they posted I could file a dispute. About a week later I contacted Bank of America to file the dispute and they have made it impossible. I spoke to two different people by phone who offered no assistance. This by far has been one of the worst customer service experiences I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I REPORTED TO ALL THREE MAJOR CREDIT REPORTING AGENCIES OF MY PERSONAL INFORMATION BEING IN A DATA BREACH COMPROMISING ALL MY BANK ACCOUNTS, EMAILS, PASSWORDS ETC
Product: Mortgage

XXXX XXXX is Charging me {$620.00} a month for Escrow. 
My annual property taxes is {$3400.00} My annual homeowners insurance is {$820.00} That should make my escrow about {$350.00} a month. 
they are overcharging me {$260.00} a month and I can not get them to reduce it. 
I do have a year end statement and I also have a report from my insurance company. I have called before and ask your team what to do and I have can not get Huntington to stop taking so much. 
Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, XXXX, Transunion, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Product: Bank account or service

My checking account has been charged {$3500.00} since it was opened. These fees are abusive to my account, some fees are justified and some are not. When you try to discuss it on the phone or at the branch you are treated rudely almost all of the time. It is as if " How dare you question us ''. there is inconsisstancy in there procedures, most of their customer service reps never tell you what is the banks policy and when you question them or catch them their answer is I am not a bank official. When you withdraw money by overdraft service they double and triple charge you, by this I mean if try for {$100.00} it refuses and then you try for a different amount to add up to the {$100.00} they charge you not the XXXX {$35.00} fee but up to XXXX or XXXX fees. when I questioned this you would have thought i was speaking a different language bot at the branch and on the phone. They just take their fees at will and I am so disgusted by their attitude and the free access to my account. They just take without notifying you or allow you to question them. They are not allowed to touch my money at will. I repeat {$3500.00} in fees since -XX/XX/2015. Never return promised calls, take money from account leaving nothing left then you mention no money to live on, get to work, suffer from XXXX and other issues and they dont care. Really how can they do this. Never mind my pension deposits never hitting account on time or giving information on it a direct deposit. typical answer nothing posted yet, such a disgrace this bank and management.
Product: Mortgage

This is Quicken Loans XXXX XXXX XXXX XXXX Michigan XXXX On on XX/XX/2019 I closed on a FHA refinance loan and During closing my escrow had 12 months of my homeowner 's insurance put into it and I had 10 months of my taxes put into it due to the fact that after closing my homeowner 's insurance was due two months later on top of a payment of XXXX for XXXX well here in XXXX and they did an escrow analysis and they're telling me at the time of closing it was {$1500.00} and some change in my escrow which isnt accurate they're supposed to been {$2400.00} in my escrow I did call them and they're trying to give me the Slick salesman. And talk away from the issue on top of that I refinance FHA loan and my MIP we're supposed to be refunded back to me and that was supposed to been taken off of The Upfront mortgage insurance premium and they never deducted it off of that so that disappeared and I don't even know where that went there legally trying to steal