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

I was pre-qualified for a loan from this company in the amount of {$110000.00} on XX/XX/2023, for a XXXX fixed paying {$1000.00} per month. Once prequalified, I submitted an official application and officially approved for the XXXX fixed previously mentioned. I proceeded to finish the application process until I reached the page where I choose my loan. On this page I was only allowed to choose a XXXX fixed at a much higher monthly payment. I stopped and called the company on XX/XX/2023 to get the rate that I was approved for. 

When bringing this to the associate 's attention he acknowledged that this was an ongoing issue with their online system and that he could see my XXXX fixed on his system. But I could not access it on my end. I was told that I should wait to see if the system updates on its own. The associate also told me that he would work on his side and everything should be resolved in a couple of days. I received no follow-ups and no resolution by XX/XX/2023 so I emailed the associate who I was working with and told him I would be submitting a complaint to the CFPB. No response. 

I had to call the company on XX/XX/2023 to receive a follow-up. They told me the same thing that I needed to wait for the system to update and that they will work on their end. I waited until XX/XX/2023 before emailing again and reiterating my frustrations and that I will be submitting a complaint. No response. 

At this point I had to go with a loan that I did not desire because my credit had already been pulled and the due dates for my XXXX loans is approaching. Now, I may not get the funds in time and will have to make a higher payment than I planned for this month because this company did not abide by what they approved me for. They did not resolve the issue after submitted two formal complaints and have caused me financial hardship in a time that I can not afford it. 

This is deceptive and predatory. Complete lack of competence and consideration for customers. I will be following up with a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX  and as of todays date XXXX hasn't complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Product: Debt collection

i do not know where this debt originally occurred, and have no knowledge of the XXXX, and any of there products. i do not know how this got on my credit.
Product: Debt collection

I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX  XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX  Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Debt collection

I cut the cord and terminated cable/internet services with XXXX ( XXXX XXXX XXXX XXXX ) five years ago for services not being rendered that I paid for. Three years ago XXXX XXXX XXXX XXXX  started to harass me over a {$120.00} fraudulent bill. I filed a compliant with CFPB and the harassment stopped up until recently the harassment started again by using yet another collection agency to harass me over the same fraudulent debt of {$120.00}. I am a victim of identity theft and discovered that in XX/XX/2020 AMSHER collection service filed a fraudulent claim to my credit report on behalf of XXXX XXXX XXXX XXXX once again harassing me over the {$120.00} fraudulent debit.
Product: Credit card or prepaid card

CAPITAL ONE INTEREST SCAM/FRAUD XX/XX/XXXX was my credit card due date {$610.00}. 
Paid on XX/XX/XXXX not only the statement balance but the whole account balance {$1300.00}. 

On XX/XX/XXXX I was charged XXXX in interest. 

They say interests are residual from the previous statement that I haven't paid XXXX dollars ( their system doesn't consider that amount as balance if you cancel, then you pay less than the whole statement, fine print, and system " glitch '' ). 

The result... they say they charge daily interest for every transaction after the statement isn't paid in full even though the new transactions are not due yet. So, XXXX dollars not paid on a statement generate XXXX dollars of interest just one month after that. 

Should I call it a scam or fraud? 

Please take action on behalf of misleading customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a serious violation of my personal and financial privacy rights. I have recently discovered that XXXX XXXX, or individuals associated with him, have gained unauthorized access to my sensitive personal and financial information, including my Social Security number. This access occurred both through my educational records and the Social Security Administration ( SSA ), without my knowledge or consent. 

The unauthorized disclosure and potential misuse of my financial information, including my Social Security number, is deeply concerning. I have not authorized any individual or entity to access or use my financial data, and I have not provided consent for XXXX XXXX or any associated parties to gain access to my information. 

The access of my personal data, including financial records and my Social Security number, appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized access to their financial information. Additionally, any misuse of my Social Security number could expose me to identity theft and other financial harm, which the CFPB actively works to prevent and protect consumers from. 

I request the CFPB to : Investigate how XXXX XXXX and his associates were able to gain unauthorized access to my financial data and personal information through both educational institutions and the Social Security Administration.

Take the necessary steps to hold the responsible parties accountable for violating consumer privacy laws and ensure this type of data breach does not continue. 
Provide me with guidance on how I can take additional steps to protect myself from any potential misuse of my personal and financial information, particularly my Social Security number. 
This situation is distressing, and I trust the CFPB will investigate these serious violations of my rights under the applicable consumer protection laws. 

Please contact me at your earliest convenience to confirm receipt of my complaint and inform me of the next steps in the process. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed you already the below information should be remove an delete from my credit record since these accounts was settled.
Product: Checking or savings account

PNC Bank doesn't allow me to make payments using XXXX anymore.
Product: Mortgage

My son, XXXX XXXX XXXX XXXX died on XXXX XXXX, XXXX from XXXX related issues. He had turned XXXX on XXXX XXXX, XXXX. He had purchased a home through the VA and GI Bill in XXXX. He was divorced with XXXX heir a daughter XXXX XXXX. I am seeking your help because I advised RCS of his death and advised them that as executor of his state I was selling the home at XXXX XXXX XXXX XXXX at the request of his daughter. They filed a foreclosure notice in XXXX XXXX. I had my attorney to contact them to provide me with the loan papers. They did not. I went to Congressman XXXX XXXX office to request additional help because they were ignoring my attorney 's request. I filed a complain about Residential Credit Solutions ' practices with the Consumer Protection Bureau. After about six months the documents were produced. I want to thank CFPB for their help in that matter. 
On XXXX XXXX, XXXX I wrote a letter to XXXX XXXX, CEO and Residential Credit Solutions President. I advised them that I had a full offer on the house at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and we were due to close very soon. Everything was done and when the title company asked them to complete the paperwork to close the sale later that month, they requested a price greater that the full asking price of the house as well as the fair market value. I contacted RCS prior to closing and advised of the sale price of the home. I was told by XXXX or some young man at RCS ' office in XXXX XXXX that that they would work with us and do a short sale or find a way to let the sale go through. My attorney spoke with a representattive from RCS who also assured him that the sale would go through even if it was a short sale. I went to the RCS Office on XXXX XXXX in XXXX XXXX with my realtor and we were turned away and told that they do not do business face to face. I had to leave my information as well as the realtor 's and someone would call me back. I did receive a call later and was told that they do allow sales on a home like ours and they work would help us to help sell the house. The buyers who put a contract to purchase the home have now terminated the contract and all I have received from Residential Credit Solutions is a new point of contact letter and statements telling me how much is owed. I am now so grieved and frustrated with this process of trying to sell my son 's home that I am now seeking your help to stop this predatory mortgage servicer from preying on any more veterans .I am asking that all the fees and interest be removed, and an explanation of the unusually high escrow be explained in detail and that me and my granddaughter be compensated for the mental anguish we suffered in dealing with this mortgage company while trying to sell a house. This is very unethical and is possibly criminal. If there is any law that has been violated, I want them punished to the full extent of the law. Please help us with this company. My attorney XXXX XXXX XXXX will be sending you more correspondence regarding his attempts to get Residential Credit Solutions to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXX XXXX, well i fell on hard times and was XXXX i missed 3 payments and they garnished my XXXX check for 2 yaers i made payments of XXXX and then they took my tax refund from a tax offset of XXXX. The card was a XXXX. Limit. And listed on my credit bureaus was XXXX with late pays.. with making payments of XXXX a month for 2 years is not even close to oweing them over XXXX. They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take XXXX from tax refund.. how is that legal. I wrote them 2 letters and 2 emails. They refuse to make this write. Please help me.
Product: Checking or savings account

I recently tryed to apply for capital one 360 custermer service told me I already had a account. I never had a capital one 360 and want something to be done about this account under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Ssn XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/22 my debit card was used to pay for a utility bill in the amount {$9600.00}. This was a fraudulent charge. I did not have any outstanding utility bills. The reason why I did not see this and I reported it to the bank so late- a year later- was because I had {$150000.00} in my bank account so it was an oversight on my end. When my accountant did my bookkeeping this year for my taxes, he noticed the unusual charge-That is when I noticed this was an unauthorized transaction. Unfortunately, the bank is unable to credit me because its been over 35 days. I also attempted to call the merchants where the bill was paid, and the merchant was unable to give me any information without an account number. I do not have an account number because this is a fraud. Any help would be appreciated so that I can recoup this money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an unauthorized inquiry on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following inquiry be removed from my credit file : Unauthorized Inquiry Creditor Name : XXXXXXXX Date of Inquiry : XX/XX/year>
Product: Debt collection

I am sorry that I keep opening a new complaint when I already have that is being investigated. I have sent numerous letters to this company and they keep sending me the same letter back in addition to the new letter just received that I have attached for your review. The new letter indicated they are requesting additional information from me and since they have not received it they are terminating this investigation. I don't have any additional information to provide to them. They are the ones reporting this information. Should I be contacting someone else? I would appreciate any help you can provide. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$17000.00}, US DEPT ED XXXX XXXX XXXX {$9100.00}
Product: Debt collection

Several months ago those companies sent me a demand for payment, generic letter. I sent them a debt verification letter asking them to verify the debt provide me with the information they need to provide, and asking them to only communicate with me by mail. They responded with a random page from an attorney saying I owe money, but no additional details that I had requested or any information of me agreeing to pay the debt. They began fraudulently reporting this debt on my credit report, so I sent them another letter requesting the same information, to verify the debt and to only communicate in writing. Now they are calling me. And not communicating in writing as instructed.
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 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 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: Vehicle loan or lease

Exeter Finance gra nted me an extension, verbally, and continued to report the account as if no extension had been granted. They charged me a late fee and sent me a default notice, reported to credit agencies and failed to get me the necessary paperwork to complete. After submitting a complaint to the BBB I finally received the form and they are still pursuing claiming I am in default and are charging me excessive fees. On top of that their representatives twice told me to make my payments on days that in reviewing my summary added late fees. They said for processing reasons I needed to make the payment on Saturday I was charged extra for it. I have gone to them on several occasions and that provide no assistance and resolution. They are making a fortune off of these loans and are setting borrowers up to fail. This business drives borrowers into repossession.  Exeter  is making money charging outrageous rates, providing no service and repossessing cars. I would also like the CEO informed so he knows the business practices oh his employees.  XXXX   XXXX  has offered no assistance, only emailed me my contract and payment history that did not reflect any actions the Exeter Representative took on  XXXX / XXXX / 17 .
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Equifax ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
Equifax : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX