23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for their presence. I regularly review my report, but this time, errors appeared unexpectedly. I even tried refreshing my browser, hoping it was a temporary issue, but the incorrect accounts did not disappear. Because of this, I am requesting that my submitted documents be carefully reviewed so that I no longer have to worry about this problem.
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported.

Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. 
Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and CREDITOR-SELLER your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX is entitled to rescinding the contract.
Product: Mortgage

Myself XXXX XXXX XXXX and My wife XXXX XXXX XXXX, resident of XXXX XXXX, XXXX XXXX, XXXX, PA XXXX are Senior Citizens and own investment properties and dealing with Mr. Cooper a mortgage servicing company has been a disaster and one of our loan numbers XXXX is being reported wrong to the credit companies and we have been sending letters and proofs that our payments are made on time and we have Home Owners insurances. We have all the proofs but the people at Mr. Cooper either are too XXXX  or untrained that they don't understand anything about Mortgage. We are getting all the lates on our credit report and they don't care. We need someone to look in to their practices of business. We need this fixed ASAP. We need to refinance our properties and all these lates off our credit so we can get better interest rates. We also need Credit Companies to do their job and investigate before they put these lates and XXXX us folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

I first applied for a loan modification over 4 years ago. I went over my financial situation on the phone and was told I was eligible but would have to go through the formal process. My nightmare began. We had fallen into financial hardship as I had been layed off and my husband was battling XXXX. I sent in all of the documents requested but was denied for lack of documentation. I applied again. This has gone on for over four years making it now almost impossible for me to qualify for a modification. I do n't believe they ever had any intention of giving me a modification ; just dragging it out until they could foreclose on my home. Every time I applied, I sent in all of the necessary documents. They would just try to come up with other documents that were needed. At XXXX point, we got hung up on my proving I was now on XXXX. Per their instructions, I took copies of front and back of my check, sent them my payment history from SS and my benefit verification letter. They told me they wanted a copy of the cancelled check. This would come from the US Treasury and I was told by them that it was impossible to send to me. I told SPS and they kept stating they needed proof I cashed the checks. I asked them " what do you think I do with them??? '' to which they had no response. They denied me, again, due to missing documentation. I 've researched this company immensely and they have so many similar complaints against them, I ca n't believe they 've been allowed to get away with it. I should also add that SPS refused to accept any mortgage payments from me once I began applying for a modification. I offered them {$50000.00} and to keep the mortgage payments where they were and I would start paying again monthly in XXXX, 2016. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have connected with this company and the bureaus multiple times to have myself removed as an authorized user, and it has not been done by the credit card company or the bureaus. I have requested proof that I am a co-signer on the account and have been told I am not, I am simply an authorized user. Copies of any agreement that list me as a co-signer would be falsified as I did not agree to those terms, and they have stated I am not responsible for the debt. Yet they will not remove me. If I am not responsible, why continue to report on my credit unless with malicious intent. I have disputed with the bureaus no less than 4 times between XXXX. Most recently on XX/XX/2023. It is tearing down my credit and I am not legally responsible for this debt. Not to mention their own terms & conditions state that an authorized user may be terminated or removed simply by saying so in writing. That has been done as recently as XX/XX/2023 and it has not been granted. 

This company has been in litigation before for malicious and unlawful practices and I fear without consequences, they will continue to do so.
Product: Debt collection

In XXXX  2024, I cancelled my XXXX service. During my contract with XXXX, we discovered that we were charged incorrectly for an additional television in which we contacted XXXX XXXX XXXX multiple times in which credits were supposed to be applied for previous charges. However, I received a final bill that did not reflect these credits. 

On XX/XX/XXXX, I opened a formal dispute with Credence Resource Management in which I disputed the amount owed. I received acknowledgement of the dispute on XX/XX/XXXX. Since this point, I have received no communication either via US Mail or email providing 1 ) the result of any investigation and 2 ) supporting documentation for the amount of the supposed debt. On XX/XX/XXXX, I was surprised to see that Credence Resource Management had marked this account as under collections on my credit report causing my XXXX credit score to drop XXXX points. 

Since my first credit card at age XXXX, I have never missed a payment or been late with a payment. As a result of Credence Resource Management 's lack of compliance to my rights under the debt collection process and their failure to properly investigate the details contained in my dispute, my credit score has been adversely affected bringing potential difficulties in obtaining future credit.
Product: Debt collection

I am disputing a collection account by XXXX. This company is reporting an account balance due of {$150.00} for XXXX  for XX/XX/2020. I have disputed that this date is not accurate and I have have no knowledge of this account. I do not owe XXXX  nor do I owe XXXX. I have no past due balance with XXXX. I have never received any notification in the mail from either company. I believe that this company XXXX is reporting fraudulent information with fraudulent dates which is negatively impacting my credit for their gain. I request that they be removed my credit reports.
Product: Credit card or prepaid card

XX/XX/XXXX, was offered a promotional Home Depot Credit card ( CitiGroup ) with 0 % interest. 
I used this card for a single purchase ( approx {$4500.00} ) that year and purchased a fence for my yard. 

I have never missed a payment on this card in over 2 years and did not purchase anything further. 

In XX/XX/XXXX, I was suddenly ( with ZERO notice ) charged over {$3200.00} in Interest (? ). 
This card and the salesperson were misleading on the terms and no balances were provided to me notifying me of the pending transactions and expiring interest ( it was never 0 % interest, it simply compounded in hiding the entire time, and was dropped on me out of nowhere ). 

This is predatory lending and extremely unethical in my opinion. For someone as myself as a parent who has almost zero other credit card debt to be taken advantage of by 'promotional ' financing is truly unacceptable and should be criminal.
Product: Consumer Loan

On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX. 
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car. 
The whole thing looks like rigged transaction at my expense from the beginning.
Product: Credit card or prepaid card

Purchased a {$400.00} gift card from the company  XXXX   XXXX ,  XXXX  a week or so later it was stolen from my car ( which is listed in the police report ). I informed the company about it and was told they suspended the card. So im fine at this point, until a few days later i see transactions starting to appear on the card. So i contact them again explaining that they didnt suspend my card like they said. So at this point im highly upset because i was lied to. They suspended it after the person used all my money. It took them weeks to email me a dispute form. so They sent me a dispute form, i filled it out and was told to email it back to them, which i did.     I was told it would take 30+ days to investigate. So i was fine with that. Months later i never heard from the company again and when i filled a complaint with the BBB. The company made it seem as if i was lying about everything because i was told there is no way to email a dispute form back to them, only mail & fax. So i showed a proof email of the company telling me to email it back. They still continued to lie. They 've been lying claiming they 've sent me a refund since the  XXXX  of  XXXX .   They never properly investigated my dispute, which is highly illegal when running a business. Not including the Fraudulent misrepresentation claim i can file. They 're trying to lie and cover up my complaint to avoid a Lawsuit. 9 months of dealing with this companies nonsense. I 've been trying to be nice and avoid settling this out of court but it 's inevitable. I 've faxed over every email i have between me and this company to my Attorney  XXXX   XXXX   XXXX . But I 'm giving them The until The  XXXX  Of  XXXX   XXXX  before i continue the process of moving forward with the Lawsuit
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate information being reported by Experian on my credit report. Despite my previous efforts to address this issue, the incorrect data remains, causing unnecessary harm to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information reported. Inaccurate information must be deleted once it is disputed and deemed unverifiable. I have provided all necessary documentation, yet the errors persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion, XXXX, and XXXX  well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, leaving me with a loss of money despite the amount taken. The CFPB 's 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.
Product: Money transfer, virtual currency, or money service

The company provided this information and it was wrong. When I followed up, they said that's all the information they have and refused to help me any further.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

REPETITIVE CALLS, EMAILS AND MAIL TRYING TO COLLECT A DEBT.
Product: Debt collection

I have no idea who these people are and they report some debt to all XXXX credit reporting bureaus and call my cell phone all the time and leave threatening messages of arrest warrants and even come to my place of employment!
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX i applied for a XXXX XXXX in XX/XX/year>. Never received my credit card so i called and closed my account in XXXX. They never sent me any letters in the mail or email me about a balance due immediately after me closing my account. They left my account open against my wishes and now they reported my card payment 30 days late and my XXXX XXXX dropped XXXX points.
Product: Mortgage

We bought our property in XX/XX/XXXX and it was under my husbands name and my brother 's name. And within few months of purchase we transferred the property under a trust. And last year we have applied for loan modification in XXXX. And we have submitted proof like copy of recorded deed showing that the property is under a trust and copy of living trust to Midland Mortgage. But our mortgage company keeps adding my brother on the loan modification document who is no more the property owner and they want his signature on the document, which is not possible, because he is not on the deed. Midland mortgage is unable to resolve the issue for over a year now and now the interest rates have went so high that it has increased our monthly mortgage big time.

All we want is the mortgage company to put the trust name or the trustees name ( my husband ) on the loan modification document but they are unable to do so, as a result its under review for almost a year now and now they want us to sign the documents with wrong names and pay higher interest rate. 
i have submitted all the documents and proof on time but nothing happened. all i want is the mortgage company to offer me the same interest rate that it did earlier when i applied for loan modification. i don't understand how is it our fault if the mortgage company is unable to resolve the issue for almost a year now with all the documents and proof showing the property is under a trust. So why should i pay higher interest. 
And if this gets delayed for another 6 months and interest rates keep going higher then i guess my payments will be way higher than it was before Covid. 
please help to resolve this issue.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2019 : According to an email from XXXX XXXX, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a Capital One card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.
Product: Credit card or prepaid card

Hello I think this company, UPGRADE, is a scam. I am also talking to a lawyer who has several complaints about them, similar to mine that I found whlie researching. I have called this company 12 times and each time I am told someone will research the issue and get back to me. They never do. I filed a XXXX  complaint and at first the rep told me she saw the mistake and would remove the balance from my account but weeks later she said the opposite. I asked for them to send me the details of the charges remaining on the account. Who, when and how much. That isn't too much to ask but they simply can't do that. I've asked on the phone, email and a letter. 

You see, I never intended to carry any balance on this card. It was simply to use for online purchases as I am a tester and then I return the items. All items were returned, proved returned and when those charges were not refunded, I opened a dispute with Upgrade and support material was sent. They should have all be refunded after the disputes. But for some reason, they were not, and NOBODY can tell me why, what happened or what charges remain. Scam sensor is going of!! 

Also, they had my debit card on file and one month, they charged me out of the blue for no reason. Again, I called in and they said they would research and get back to me but never did. 
I have a phone log with times of all the times I talked to them. 
I also have copies of emails and letters Please help. This balance is ruining my credit report and these people are scammers. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and Experian Credit reporting agency is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently XXXX and Experian is inaccurately reporting delinquencies into my credit profile.
Product: Debt collection

In XXXX  I requested 1099C never received then i requested in XXXX a validation letter. 
no response