23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To start off I was not aware that I owed my apartment complex money, when we moved out we were told we did not owe anything. 3 years later I get emails and phone calls saying I owed {$2000.00} for damage to the property when there was no damage left. I asked for a receipt when they first sent me to collections and the receipt said my boyfriend at the time made XXXX payments towards it in 2021 and they labeled it as ( in house ) payments which did not take place, we were now living in California and that was in Utah. Last year they doubled the amount and added it to my XXXX credit score and I was able to get one removed from my XXXX but under the third party debt collectors website it still says I owe double the amount when they state it only has a 10 % interest a year. Today I got called and told it was doubled again because of that interest rate but there is no way it can he doubled with that interest rate so what they were saying is {$2000.00} is now {$4000.00} I was able to get it removed off of my transunion but they then decided to add it to my experian after it got removed from my transunion. They are also closing it and opening it every year so my concern is that its never going to fall off my credit report. Not to mention the harrassing phone calls telling me Im a big girl and I need to figure out how to pay them back and making fun of me for being a single mom and not affording to pay this XXXX debt I owe them. After doing some research I have seen that these companies have done it to multiple people. The apartment company is called greystar and the collections company goes under XXXX debt collectors genesis. Another thing, every time they open and close it on my credit report they use a different name. This collection has already impacted me significantly, as a single mom barely making ends meet XXXX cant even take a credit card out due to this. When I brought up how they charged me twice on the account after looking at their website, he said they were going to dispute it to see if it was true. I just tried to log in again and it wont let me log into the account. Something fishy is definitely going on. Please I ask you to investigate these companies because it is being done to multiple people
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 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 unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. the 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

HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer
Product: Credit reporting, credit repair services, or other personal consumer reports

Nicholas Financial refused to report my account correctly to the credit reporting agency here is the proof I have never been late and although account is paid in full to them they see it as non important to correct account see attached reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states 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. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly eliminate them from my credit report. I have submitted supporting documents for your examination.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX  XXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1500.00} XX/XX/XXXX
Product: Checking or savings account

I opened a checking and savings account with First Bank on XX/XX/XXXX in order to take advantage of the XXXX $ promotion they had. They told me that I would see the credit aplied with in 60 days of opening the account ; however, the credit was not aplied. I check my bank account two to three times a week to make sure that everything is running smoothly but have not seen the credit applied once. Today I decided to call and check when I would be seeing the credit but was told that it was posted on XX/XX/XXXX. See it in the bank statement but i know for a fact that it was not made available to me as Ive been constantly checking my account and it has not reflected the deposit. Now that I want to go back to the deposits and withdrawals that Ive made online and in the app it says that the details for XX/XX/XXXX-XX/XX/XXXX are no longer available and the statements are the only place to see the deposit?!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ran into hard times about 4/5 months ago first heritage told me they would settle for XXXX at the time I didnt have it the manager told me that I can continue paying the amount the monthly amount of {$110.00} and I been doing so I looked over my credit report First heritage have a XXXX balance with XXXX and Im not understanding how you reported my balance and still taking money for the account I just paid on this account on XX/XX/2023 if First heritage reports XXXX and close account by law they can not get money on this account and should be deleted off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Product: Money transfer, virtual currency, or money service

I was hired by a salvage yard to run their online work like selling items on XXXX. This small business already had an XXXX  and paypal account set up. When I first started paypal had the account that is linked to the business limited. I gave them all the information that they asked for and they took the restrictions off of the account. After a month of selling items on XXXX. Paypal once again limited the account and asked for the same information. After readmitting the same information, paypal shut down the account. After trying to contact them multiple times all I received in response was the same generic copy and paste email. They did not give any reason as to why they where shutting down the account. And when asked why they did not give a response to why. They then proceed to hold the money in the paypal account stating that is can not be withdrawn for 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted PHH Mortgage Servicing the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, PHH Mortgage placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to PHH Mortgage asking them to remove the inaccurate 30 day late payments from all 3 credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the Federal Register for publication the notice stated that the national emergency declared in Proclamation XXXX of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease 2019 ( COVID-19 ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Product: Debt collection

I have been receiving daily robo calls from jc penny card services, I called them and found out someone used my phone number to scam them. I asked them to stop calling me and was assured they would, but the robo calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, XXXX refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates
Product: Mortgage

Related to CFPB Complaint # XXXX - I'm not sure why you closed it as the issue is still not resolved. 

The response New Rez provided to you was an outright lie. Per XXXX XXXX XXXXXXXX XXXX New Rez never contacted them to authorize refund of the tax overpayment be sent directly back to me. 

I spoke with XXXX XXXX today and they informed me the overpayment was refunded back to New Rez in XX/XX/2021, however I have not received my refund check. They currently owe me {$4400.00}. I have left numerous voicemails and sent messages to New Rez and have had no response.
Product: Credit card or prepaid card

Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for XXXX years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. 
My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.
Product: Debt collection

I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.
Product: Mortgage

Real Time Resolutions ( RTR ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( see attached ). Most recently, I have requested that RTR send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. Most recently a buyer backed out because RTR would not produce documentation that the title company requested. RTR is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.
Product: Credit reporting or other personal consumer reports

Im alarmed by the amount of incorrect information Ive found in how some accounts are reported on my credit file. These inaccuracies are having a serious impact on my credit score, and its incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my report after being notified of a data breach with Equifax and XXXX. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.
Product: Credit card or prepaid card

I have forward paper work over disputing these items. these accounts were removed, but later returned please remove these from my credit report upon my request.. 


XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$30000.00}
Product: Vehicle loan or lease

I'm not sure what category would have described my situation properly. I was told my credit score was too bad to qualify for a loan through the XXXXXXXX XXXX  finance and banks. In XXXX, I had XXXX downpayment that helped me qualify for the loan according to them. At first they told me it was 17 % APR. After I was sent to the finance department, he told me it was 20 % APR. The only way it was going to drop to 17 % like they had mentioned at the front was if i added warranty to my vehicle 's loan. So i agreed to this but after seeing the lawsuit it seems I am owed some compensation as they made the numbers up. I'm still not sure what the actual APR was. But the total of the loan was around XXXX with a 17 % APR, but after a year I had joined the XXXX and learned about the SCRA program. I was able to drop my APR to 6 % but never got back pay for the amount I paid in interest at 17 %. I am submitting this compliant to see if I can get any type of compensation. 
The dealership is : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Thank you.
Product: Credit card

I am applying for a credit card from Capital One. It has involved several phone calls as they rejected my application due to a mistake. Every time I call, the call center representative asks for my FULL social security number. That ca n't be right. That puts my identity at risk. I have already had someone file false tax returns with the IRS using my SSN. So I am very sensitive about giving out this information. But Capital One wo n't talk to me about my application unless I give her that information, because they say they otherwise do not know who I am. But I have a name, an application number, and a birthdate. Why is that information not sufficient? Why is it legal that they have to require my FULL SSN?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 percent XXXX veteran and the company XXXX XXXX XXXX fraudulently stole my identity from just a curious interest years ago. By telling me I could fill out a few forms but it would not enroll me. Years later I received a credit report of this. It had caused me not to be able to purchase a home and other lifestyle materials due to this constantly being updated as accurate updated report every moment I dispute. I have reported this issue to all three credit bureaus and they refuse to remove the fraudulent debt through online dispute but update it then my credit score drops more. Experian has denied me fair investigation using consumer laws. My documents of proof and my veteran  XXXX letter, XXXX ACCOUNT has been submitted and Experian bluntly rejected it as enough proof. I have submitted my XXXX letter since XX/XX/XXXX. My XXXX has been approved since XX/XX/XXXX and both Department of Education and Experian has worked as a team to ensure credit report is updated and I received total mind games. Its like a veteran in XXXX again except with its own companies illegally not following the consumer protection laws. 
I instead applied for XXXX XX/XX/XXXX and Experian refuses to remove item and investigate properly by contacting the Department of Education for verification of XXXX permanent XXXX discharge status. They informed me after I submitted proof I need to submit more. Help free me from this nightmare
Product: Checking or savings account

I opened a SoFi savings account on XX/XX/XXXX and deposited {$500.00} from my XXXX XXXX bank account. This transaction went through without a hitch.

SoFi 's app told me that I needed to deposit at least {$5000.00} OR set up direct deposit in order to qualify for their high-yield savings rate. So I decided to transfer additional funds from my XXXX XXXX XXXX brokerage account to achieve this. 

On XX/XX/XXXX, I added my SoFi as an external bank account into my XXXX account. I have multiple brokerage accounts with XXXX with balances that I was advised by my XXXX to put into a high-yield savings account, so I initiated three ACH fund transfers from XXXX XXXX SoFi to do this. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received an email from SoFi saying that I had unlocked the promotional APY on my savings account, due to meeting the qualifying deposit amount. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received another email from SoFi saying that my account had been restricted due to " irregular activity on your SoFi bank account. '' They told me to call them by phone and talk to their Security team.

When I called the number provided and connected with the Security team, they told me that I had transferred funds " from an account that doesn't have my name. '' My XXXX brokerage account is in fact in my name. 

The agent then told me that they would request that my account be unrestricted. I asked how long this would take and he said he didn't know. He then instructed me to check my account ( at an unknown time ) for updates, and to call back if it was not corrected. 

SoFi did not request for me to take any action besides calling them and talking to customer service. 

I still do not know when my money will be returned to me. These funds are part of my emergency savings and the entire point of keeping these funds liquid in a HYS instead of in securities held in my brokerage account was to have immediate access in the event of an emergency. I'm very confused that SoFi didn't provide any notice about sending funds from XXXX, which I would assume is expected practice as part of opening a savings account. I'm also horrified that SoFi can not provide a SLA on expected return of the funds.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. 
On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. 
Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. 
One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. 
The promotion check I used did not specify that it would be categorized as a cash advance. 
In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. 
I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. 
I used the promotional check because the offer stated that I would have 0 % interest for 12 months. 
Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. 
XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. 
I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.