23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX AZ XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXX A Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I recently received and review my credit report and noticed i have fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the XXXX XXXX
Product: Vehicle loan or lease

The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. 

Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}
Product: Mortgage

There isn't a topic choice applicable. I would like to file a complaint against this Mortgage Lender. These XXXX  have repeatedly been filling my mailbox with phony come-ons disguised to look like official mail from my mortgage lender in order to solicit for their scam refinancing offers. Despite having opted OUT of all XXXX mailings years ago, these crooks continue to send me solicitations. I have asked them to stop, I have filed XXXX complaints demanding they cease and desist, and despite them telling the XXXX that they will, the phony mailings continue. They disguise their junkmail to look like mailed checks. Their name is not visible until the mail is opened, and the From Address indicates : notification regarding ( name of my lender ) Loan with a phony notice ID number. This is obviously done to fool the recipient and is a sleazy practice that I believe is illegal. I would also appreciate it if these XXXX would stick their noses out of my personal financial business, as they apparently comb records looking for people to scam
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXXXXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Checking or savings account

I noticed my phone started acting weird around mid XXXX and I also noticed that a lot of attempted transactions were happening on my Cash app. I called Cash app. They reassure me that I was just being in their words delusional then money started coming missing him as soon as I file a dispute within minutes, it was denied. They told me that it looked like I paid that person before Ive never seen those names a day in my life transaction have an XX/XX/XXXX of XXXX for {$100.00}. It was Cash app to Cash app the second transaction happened XX/XX/year> for {$110.00} to a cash app called scam likely. The last one happened. XX/XX/XXXX to another cash app to cash app called XXXX  XXXX for {$100.00}. The weird thing about this one is it did to have my nickname in the notes, which is XXXX XXXXXXXX with a theory emoji at the end I brought it to cash app. I was also charged {$250.00} for a gas bill that was not in my name. I brought that to their attention. I showed them the bill. I showed them my ID and they still denied the dispute and closed my card. Cash app or really a bunch of bullies They disregarded me every time somebody ask a question they will give me the robotic reply. Well, if theres anything else that I can help you with besides this. And then immediately in the chat or just hang up in my face at a certain point, I decided to just give it up until I started doing some research and find out that I can file a complaint. There are so many more transactions unauthorized that happened with my Cash app I just did not have the energy to go back-and-forth with them knowing that Im gon na be disregarded.
Product: Credit reporting or other personal consumer reports

Account balance is wrong, loan amount is wrong, loan start date is wrong, payment amount is wrong, payment history is wrong, account status is wrong, last payment made wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan. 

2. I filed a bankrupcy to save my home from foreclosure. 
3. Paid XXXX {$10000.00}. 
4. Finish bankruptcy successfully. 
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts. 
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection. 
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}. 
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX. 
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information. 
My hair stood straight up. they wanted it from me because theirs was messed up. 
Meantime, I might loose my house.
Product: Credit card or prepaid card

This complaint is filed against Synchrony Bank, which runs PayPal Credit. At the beginning of 2020, I filed a dispute with PayPal Credit regarding missing refunds. These refunds are in connection with an online HauteLook.com purchase from XX/XX/2020. I returned the merchandise I purchased, and received a return confirmation via email from XXXX. XXXX is a company owned by XXXX. I was assured that a partial credit had been processed onto my PayPal Credit account for : {$200.00}. Please see XXXX of the pdf documents I am submitting. I contacted XXXX XXXX requesting an additional credit for : {$5.00}. They agreed to issue that credit as a courtesy. When you add up the 2 credits, you get the full transaction amount : {$210.00}. Initially, Synchrony Bank ( or PayPal Credit XXXX issued a provisional credit. Later, in a letter dated XX/XX/2020, which I received in XXXX (! ), they told me that they were REVERSING the credit and that I would be responsible for the charge. Based on what!?! I provided INDISPUTABLE evidence that the merchandise was returned ( delivered to Return Center in XXXX XXXX, CA XXXX on XX/XX/2020 ) and also, as I indicated above, a copy of an email confirming that the main ( bigger ) credit had been issued. The question ( MYSTERY ) is : where is that credit and the other credit ( {$5.00} )? Why are they NOT appearing my PayPal Credit account? Who's doing what? Whoever reviewed my dispute at Synchrony Bank should be fired or demoted! I will NOT be paying for that charge. It is Synchrony Bank 's responsibility to straighten this out with the merchant! I made several attempts to do that myself. I recently even emailed the Disputes Team at XXXX but I still have not heard from them. In any event, I've furnished ENOUGH documentation in support of my claim for a chargeback to be permanently initiated. FYI, the PayPal Credit account in question ends in : XXXX.
Product: Debt collection

This contract was broken it was the XXXX XXXX fault and Innovate Loan And The XXXX XXXXXXXX Fault they basically scamed me and the contract was broken i do not have that loan neither the vehicle itd affecting my credit score so bad i tried calling the Innovate they keep ignoring me and the only thing they tell me is to open a dispute and that should help i even have proof that i had to dispute a First time payment to get my money back from them and thank god i got it back because they are in the wrong here reporting wrong stuff to my credit please investigate what else can i do to stop innovate from hurting my credit that i been trying to build up! PLEASE
Product: Credit reporting or other personal consumer reports

I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the XXXX credit bureaus raises serious concerns about their accuracy and legitimacy.
Product: Credit card

American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I made a {$6000.00} payment to my loan while I was with Great Lakes student loans. It was processed on XXXX. This payment is not reflected in my payment history or my total loan balance. Great Lakes has since transferred my loan to Nelnet. I have my payment history through Great Lakes, the withdrawal from my bank for the amount, and the total for the loan it should have been applied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from XXXX bureaus XXXX, XXXX and Equifax. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) XXXX  XXXX XXXX  ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX  XXXX ; account # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX  ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX XXXX XXXX ; acct # XXXX XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX XXXX ; acct # XXXX NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses and phone numbers I've never had. Same information keeps coming back. My social security has been used for bills I've never got. I have fraud on my social security. Fraud on my workforce commissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is XXXX XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions 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 lacks accountability and raises serious concerns about their consumer safety.
Product: Credit reporting or other personal consumer reports

Capital one auto finance refused to update my accounts current balance and status after receiving gap and insurance payment that should have lowered my balance and updated to current, they have not updated since XXXX. They are reporting inaccurate my balance is XXXX they are reporting XXXX XXXX  they received a payment of XXXX from my insurance and did not update to current for the month of XXXX. They have also been adding interest and taking from my insurance payments in which my interest was updated to XXXX  back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Bridgecrest formerly XXXX XXXX has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Bridgecrest violates XXXX Validation of debts, Bridgecrest violates XXXX Furnishing certain deceptive forms, Bridgecrest violates XXXX False or misleading representations. Bridgecrest HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST TEN ( 10 ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.