23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization
Product: Credit card

Synchrony Bank is the provider of Sam 's Club credit. My credit is excellent with all three reporting agencies. I applied for credit and they denied me once stating I applied too soon, after a representative from the bank had told me top apply. I waited and reapplied and today I received another bogus notice that states, 'Unsatisfactory payment history with Synchrony Bank '. I checked all three credit bureau agencies, and synchrony never reported any late or non-payment issues on my report ( s ). They are simply discriminating against me because I have complained about them to the cfpb, and to them about outsourcing their payment processing.
Product: Credit card or prepaid card

XX/XX/XXXX of this year, I called the company to pay or pending balance and close my account, ask if it was all if I no longer had to follow up, they told me that neither balance was XXXX and my account was closed. On XX/XX/XXXX of this year they call me to tell me that I have an outstanding balance of XXXX dollars that expired two months ago, I paid a total of XXXX dollars for the charges, the same month I reported on credit that I had a delay in my payment, of which I was never notified so the account is supposed to be XXXX and closed.
Product: Mortgage

XX/XX/XXXX my escrow account was charged XXXX. This was for home insurance policy renewal. On XX/XX/XXXX my escrow account was charged XXXX again. This resulted in my escrow account going into the negative. I have contacted PennyMac by phone and by message center. They refuse to acknowledge the issue despite evidence.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 repeated 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous certified mailings to XXXX and XXXX attempting to get the information for XXXX XXXX  and Portfolio Recovery to be corrected or removed. After almost two years of disputing it is still reporting incorrectly on both reports! 
XXXX does not list either account, thankfully. 
Attached at the two most recent credit reports, as you can see both have incorrect information. 
I have a security freeze on all credit reports due to this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. Hunter Warfield, Inc is reporting a account that is not affiliated with me. I requested a notification letter from Hunter Warfield through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore Hunter Warfield DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.
Product: Credit reporting

Trans Union Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
Product: Credit card or prepaid card

Please reference prior CFPB Complaint : XXXX. 

In response to AMEX : Youve stated in your previous reply that the reason for closure was for returned payments. However, I was assured by American Expresss support team, that these returned payments would not result in an account closure. Further, American Expresss statements contradict themselves. For example, support teams notified me the closure only happened because our new account was placed under financial review and they found Affiliation with transactions. American Express refused to divulge what affiliation this was, and closed my account based off a couple returned payments and a suspected affiliation with a charge on the credit card. This violates my right to fair information. Any reaction a card company makes and the evidence collected should be of full transparency to the customer. However, AMEX has specifically withheld this information and has also provided statements that do not align with the statements given over the phone and email about the account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

You failed to respond to my dispute letter and you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Account name Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report concerning late payment reports that do not accurately reflect my payment history. I have reviewed my credit report and noticed that late payments are reported for XX/XX/year>, which is incorrect. These payments were made on time, and I request that these entries be corrected to reflect " Paid as Agreed. '' Account Information for Reference : Account Name : XXXX Account Numbers : XXXX, XXXX XXXX Disputed Information : Late payments reported for XX/XX/year> Action Requested : I kindly request that the above-mentioned late payment entries be investigated and corrected to accurately display as " Paid as Agreed. '' This correction is crucial for maintaining the integrity of my credit report and ensuring it accurately reflects my payment history. 

Procedure : To the Credit Bureaus : I am filing this dispute under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and request that you investigate these discrepancies within the mandated 30-day period. Please inform me of your findings and any corrections made to my credit report. 

To XXXX : I also request that you review your records regarding my payments and update the credit bureaus with the correct information to ensure my credit report accurately reflects my payment history. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Ensuring the accuracy of my credit information is of utmost importance to me, and I appreciate your prompt attention to this issue.
Product: Money transfer, virtual currency, or money service

There is no way to conatacy any help with any cashapp problems or a 24 hour service line qith operatora that are able to help.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I made a {$4000.00} and a {$370.00} payment to my Wells Fargo loan XXXX. On XX/XX/XXXX the money was removed from my XXXX XXXX XXXX XXXX bank account. On XX/XX/XXXX Wells Fargo reversed my loan payment and charged me more interest. I had just left Wells as my employer and moved to XXXX but that shouldnt have mattered what is going on? Wells is essentially messing with my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my certified mail was delivered to Transunion at XXXX. To date, I have been ignored or they just trashed my letter as they have not attempted to verify the alleged debts reporting incorrectly.. I am escalating to cfpb as it is 90 days so I know they are in violation. I have no trust to send another notice there so I need your help.
Product: Payday loan, title loan, or personal loan

Ive been defrauded by XXXX XXXX. They are a lender who are predatory and deceptive. Ive found out how pervasive their deceptive practices are just recently and how theyve gone unchecked and unreported. XXXX XXXX  has lied about the terms of their loan. They are not transparent about the implications of their interest rate or the terms of their loan. For example I borrowed {$1000.00} in XX/XX/2023. I was told initially I had a {$250.00} payment a month. Then they started withdrawing {$500.00} a month. On approximately XX/XX/XXXX of this year, after paying XXXX XXXX approximately {$840.00}, I believed I was reaching the end of the loan soon. I called XXXX XXXX  to get the payoff balance where I was told that by XXXX XXXX I would owe another {$1800.00} on top of the {$840.00}. Ive already paid. I asked to speak with a supervisor and was bounced around. Finally I spoke to a supervisor at XXXX XXXX and they do not dispute these facts. They stated they would let me off the merry-go-round if I gave them another XXXX dollars by XX/XX/XXXX. Making their profit 85 % since XXXX of this year. Ive stated to them in writing that I am over XXXX XXXX XXXX and a XXXX vet on XXXX and that I am on a fixed income and I can not afford that and I would never of done the loan if I was not deceived. 

I ask XXXX XXXX to cease and desist and to close the loan. I request that a reasonable and customary interest rate be applied which I believe to be no more than 20 % or {$1200.00} total for this 6 month loan leaving me with another {$350.00} to pay XXXX XXXX by XX/XX/2023. I have reached out to XXXX XXXX numerous times to try to rectify this with supervisors and I am not getting any help the last transmission. I tried contacting XXXX XXXX XXXX XXXX XXXX and no one has contacted me or tried to work with me or help me.
Product: Credit card

I received a late payment alert on XX/XX/XXXX from XXXX stating I had an overdue payment on my Lowe's/Synchronicity bank card. My investigation led me to discover on the XXXX site, that I had a change of address also. The address change was in XXXX XXXX, MN, a town I have never been in. The charges were made at the Lowe 's in XXXX XXXX. I called the Synchronicity bank and reported the fraud as well as closed all 3 Synchronicity bank credit card accounts. I filed a report with the XXXX XXXX XXXX XXXX department on XX/XX/year> ( case # XXXX ) as well as with the FTC ( reference # XXXX ). My credit score dropped from mid 800 's to mid 600 's.
Product: Money transfer, virtual currency, or money service

My tenant put her rent payment in my PayPal because she ran out of checks. PayPal flagged my account and said it was a potential fraudulent transaction. They put a limitation on my account, in the same day I gave them the information they wanted and the limitation was removed. However, PayPal, without my knowledge, still reversed the bank deposit and almost caused me to bounce my mortgage payment as a result of taking back the {$4000.00} deposit. For days, no one at PayPal even knew they did that, finally they admitted they did, could not explain why, and said it was take AT LEAST 10 days to get my money back. Who can wait around for 10 days for their rightful {$4000.00}. I think PayPal does this all the time on large transactions to use those 10 days to make money by investment, interest, etc. on that money. If they do that to even 1 % of their customers they likely make millions and millions of dollars participating in this shady and deceptive activity that is thinly guised as a fraud protection to the consumer. This is very problematic, and very dangerous.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # NT7746XXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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, credit repair services, or other personal consumer reports

Equifax have two hard inquires less than a day apart on my credit report, which I reported but they failed to remove the second hard inquiry. I didnt not approve the second hard inquiry and I demand it be removed
Product: Credit card

As of my XXXX credit report on XXXX XXXX and XXXX. Never open a Chase credit card don't know anything about Chase credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. 

File a complaint with attorney general 's office consumer protection as well. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Name XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer XXXX XXXX
Product: Student loan

Mohela states processing time of loan documents of 90 business days from receipt. Error was made on their end and form was sent back to reprocessing. Was told will take another 90 business days likely XX/XX/2023. All other forms that were sent in have been reprocessed XX/XX/2023 ( 90 days from original receipt ). Loan forgiveness and grant approval is pending the processing of this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to lift a freeze, but there has been some problems with me logging into my account. The website tells me to call Experian, but when I do, there is no way to actually get in touch with an agent. I have tried for over an hour using their website and it is literally impossible to talk to a person.
Product: Student loan

Mohela XXXX XXXX XXXX I have made several attempts written email and direct phone calls to Mohela requesting a payment due date change. The requested change is the XXXX of each month. Based on the timing of my income, this will be very helpful in managing my money. 

I began this request in XX/XX/2024 and it is now XXXX. They are dragging their fee and I don't know why. It's a simple request.
Product: Checking or savings account

I opened a checking account online & it told me I was approved. I got the welcome package paperwork & received a debit card & an ATM card. I set up direct deposit with the company I've been working at for 17 year. It was deposited into my new Citibank account but when I called to activate it, they told me there were some identity issues but would not let me provide anything other than the driver 's license and social security card I provided when opening the account. They told me they were moving the money over to savings & that I have to wait 30-60 until my account closes & then another 15 business days before I will receive my money. This is unacceptable because it is their fault. They could have rejected the deposit & sent it back to my employer. It has now been a month with a XXXX XXXX XXXX  child, and I still don't have my paycheck. Nothing is being done.
Product: Credit card or prepaid card

I called on on XX/XX/XXXX at XXXX to close my account due to fraudulent activity happening multiple times in a month ( 3 times with 2 new set of cards ), issuing new cards and locking those cards did not help, fraudulent charges will still being made! Anyway, I was told my account had been closed and all fraudulent charges were taken off. I login today XX/XX/XXXX to find they let one of them go through and it now says I owe {$100.00}. ( XXXX fraudulent charge and a XXXX cent minimum interest charge, which should not apply because my balance should be XXXX ) I called right away and got someone who did not speak very good English and she starts reading from a script saying they will send me a new card. I CLOSED MY ACCOUNT. I don't want a new card, I was my balance to reflect XXXX and to be done with the awful awful company! How can charges still go through on a LOCKED cards? I am beyond frustrated, never in my life will I do anything with Barclay. Please fix this and put my account back at XXXX and make sure it is truly closed!
Product: Mortgage

I 've been in conflict with Ditech/Greentree since they first took over my mortgage servicing. Their staff can never explain what the issue is with my account. Only that they 've put a " research '' on it. Nothing has ever come from their " research ''. In Ditech 's XX/XX/XXXX letter which references attachments that were not attached, they state that my payments fell behind due to an escrow shortage. However, my XX/XX/XXXX escrow statement ( attached ) had {$3800.00} in surplus that was sent back to me. In addition, my XX/XX/XXXX escrow also had a surplus ( even though they continue to state my payments were short ). Ditech states they sent me a check, with no amount listed, which was NEVER SENT TO ME! DiTech continues to make false statements. Where 's my check? Now, I receive my XX/XX/XXXX statement with more late fees and non-posting of my XX/XX/XXXX payment which they received on XX/XX/XXXX. This bank is a fraud!
Product: Vehicle loan or lease

Paid vechicle off in full on XX/XX/2021, started calling Santander about 6 weeks after paying it off, was told title was sent out to us via XXXX XXXXXXXX, we never received the title, they said that they didn't include our apartment number so title was sent to motor vehicle, have been calling every few weeks, they connect us to the title department and everyone gives us a different story as to what is going on, talked to manager, XXXX and he was supposed to figure this out for us but still haven't received title and no one has called us back, we tried calling about 2 weeks ago and tried to speak to XXXX but was told I had to speak to someone in the title 's department, no one knows what is going on each time we call and can never get a answer, vechicle was paid off ahead of time and every effort we make to resolve this has not gotten us anywhere.
Product: Debt collection

On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co.