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

Purchased a Mattress Set on XX/XX/2020. The product in the store was a memory foam brand. I agreed to pick the product up instead of paying the delivery charge. Took it home, set it up and realized it was not the same product as the one I tested on the showroom floor. It felt like I was sleeping on a slate. It kept me up all night. I was in pain and discomfort. I suffer from XXXX XXXX and XXXX. I told the salesperson this when I selected the product. I was assured it would suit my needs. Product was picked up XX/XX/2020. I called the store at XXXX XX/XX/2020. The salesperson said I would have to speak to the Manager. I spoke with XXXX at Conn 's Home Furniture in XXXX XXXX SC. She said there is a no return policy because of health reasons. She also said I would have to sleep on it a while to break it in. I told her that was unacceptable. She referred me to their Customer Service. I spoke with XXXX. She also gave me the same conversation. The Mattress set is {$1300.00} plus Finance charges. I put down {$69.00} on the Lease to Purchase Program. I have medical issues and I refuse to subject my body to such conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.
Product: Mortgage

I am trying to refinace. I had a difficult time getting a payoff from seterus. They would not talk to me because i had come out of a chapter XXXX in XXXX. After sending many documents and several phone calls and a copllaint to the cfpb seterus did finally send me a payoff. However it was Over {$14000.00} what is reported on the credit report. When i contacted the loan servicer a agent told me that probably wasnt the corect payoff because they havet finished my final cure. I was transferred to a supervisor and she said she would look in to it and phone me back the next day. She never did. I then got in touch with the somone from their consumers and government affairs office. She told she would look into it and call be back the next day. She did call, she said that they had to get in touch with the company that handled my mortgage before them because they did something with a escrow account. I have not received a call back, today makes a week. 
I have already lost XXXX credit in closing cost from my refinancing company when i went oast my lock in date because seterus has not provided me with a corect payoff. 

I have been trying to get a payoff from them since XX/XX/XXXX. I need a corect payoff from this company ao i can refinance. If they say i owe more id like a account of why and when this extra debt accured.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have inquires that I did not authorize. I Also have a collection from an account that was opened fraudulently
Product: Debt collection

I noticed a collections on my account for {$500.00}. Information listed is for XXXX XXXX XXXX account XXXX. This is not my debt and this violates my rights to have this random collection account on my profile. I dont have any debts with this company and have never done business with them. Please delete.
Product: Credit reporting

A charge-off was reported on my account with XXXX for a negative balance of ~ {$15.00}. The address the bank had on file was wrong, and so I did not know that I had a charge off until it was reported on my credit score. I then contacted the bank and paid off the negative balance. After paying off the balance, they agreed to have the charge-off removed ; however, there was no response from TransUnion. The collections department at the bank told me there was nothing left to do, but sent me the form they submitted to have the charge-off removed so I could remediate the issue myself. I submitted a complaint with TransUnion twice and received no response nor change to my credit report. The contact information I have on file with TransUnion is up to date -- there has simply been no response.
Product: Mortgage

We entered into a new equity loan with XXXX XXXX XXXX XXXX XXXX. 
When it came time to make our first payment, we were told the loan had been sold and we could not make that payment. We had no account numbers, loan information etc. ( i.e we never received the necessary information to make our first payment ). 
We awaited this information. 

My husband eventually made contact with a company called Shellpoint and was told they had our loan and information for payment would be forthcoming. 

On XX/XX/XXXX, we received a statement with the long awaited account information and it stated that we were already in arrears and that a payment would be due XX/XX/XXXX for XXXX payments. 

My issue is that having never received any contact from this company or payment information we can not already be behind. This is unacceptable. We could not have paid them sooner because we had no account information. 

We should owe them ONE PAYMENTS on XX/XX/XXXX, not XXXX Our statement says that we owe XXXX, with two overdue payments of XXXX, for a total due of XXXX, XXXX. We will incur late fees for not paying this, which will impact our impeccable credit score.

I do not think this is acceptable given that we could make no payments during this time.

This should be reset to owing one payment at this time, now that we have the account information. I would like assistance in resolving this as multiple contacts to this company have proven to be unsuccesful.
Product: Prepaid card

i called the bank and requested statement of my XXXX and XXXX XXXX  benefits, and when i received them by email i calculated total deposits made from edd to my account as well as total tractions made on that account and they didn't match with each other, so i called them and spoke to a representative and she calculated all my total deposits from beginning the first deposit in XXXX to when my benefits ended in XXXX this during the pandemic and have not filed for XXXX  sense. And she added up total deposit of XXXX and total traction of XXXX thats a XXXX difference she then put me on hold then she came back and said she tried to see if she can get thatXXXX credit to me but that her supervisor told her to have me call XXXX instead, i asked why if the statement she used to calculate my deposits dont add up to my tranactions she said cuz she see on her end that their were funds on here i didn't have access to at the time that i may not beenaware of at the time dont know what she meant by that.i did bring this up to them before and got nowhere. but this time got statement to prove it
Product: Credit reporting or other personal consumer reports

I paid on time and my score was going up to XXXX. I was in an accident, not my fault and I took some of the funds and paid off all my debts. Hoping to raise my credit score, which is so important for interest and insurance rates. XXXX raised my score. Equifax dropped my score XXXX points. Cant talk to anyone but a machine. This is so unfair. Ive worked for years to bring my score up. As a result Ive gotten XXXX percent interest on my car, i paid off. XXXX percent on credit cards for so many months. Ive lost all that unless the business doesnt use their services. Im an older two years in XXXX veteran. Please help. Thank you
Product: Checking or savings account

On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

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
Product: Credit card

I filed a complaint with Care Credit back in XX/XX/year> for unauthorized fees charged to my card without my permission by a vendor. The case was closed because the original complaint was filed incorrectly by associate. Revised complaint was being worked on by corporate investigation team member. I was told this would be resolved within 15 days ( that was XXXX months ago! ). XXXX months later nothing was done so I called corporate only to find the member working on the dispute, XXXX, was on medical leave and didn't pass the file we had spent over an hour on to anyone. I spoke to someone named XXXX at corporate in early XXXX where she stated she would get answers and expedite my dispute after spending another hour updating her on the dispute details. To date I have not heard from anyone regarding my dispute. My account doesn't even show I have a current dispute. I requested corporate contact me last week and they didn't. I have an ongoing Texas Medical Board complaint associated with the dispute. Care Credit has completely failed and dropped the ball on resolving these FRAUDULENT charges to my account. 

Total negligence and failure to resolve this dispute in a timely and efficient manner.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** ; XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXXXXXX ; XXXX XXXX ( Original Creditor : 13 XXXX LOANS NEW ) XXXX**** ;
Product: Debt collection

I moved out of XXXX XXXX XXXX on XX/XX/2022 with the renting property in great shape. Nothing was left inside or outside the property. We cleaned the place up as well and was never late on any form of rent. They are saying we owe {$2700.00} as of XX/XX/2022. We gave a months notice before we moved out. The {$400.00} security deposit was left behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the Transunion, XXXX, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that Transunion, XXXX, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Product: Debt collection

Theres a collection account in my XXXX credit report, recently uploaded around XX/XX/XXXX. Pertaining to RCS/ XXXX XXXX . In an attempt to collect {$2500.00}, that I had already paid in a contract with XXXX XXXX XXXX, the same contract was defaulted when XXXX XXXX sent back {$200.00} of payment to the company that brokered my payments with ( XXXX XXXX XXXX XXXX acc : # XXXX ). There was only {$100.00} left to pay to comply with the contract if they hadnt done that mistake. 
The collection account was previously reported in my XXXX credit report, after disputes and disputes of talking to this company and the other and credit reporting agencies and hiring credit repairing company to help me remove it with no results, I spent more than the amount owed in repairs. Finally I receive a letter from Resurgent, that the account had been closed in XX/XX/XXXX ; deleted from my XXXX credit report, but pasted and copied to my XXXX credit report to continue with their scam of stealing the fruit of my efforts. The report from RCS/XXXX XXXX on my XXXX   credit report is deceptive with claims that the account has been reported since XX/XX/XXXX when in fact they reinserted the info from my XXXX credit report around XX/XX/XXXX. I made payments in a settlement with XXXX XXXX of {$1500.00} on XX/XX/XXXX. PAYMENTS : XXXX {$700.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$200.00}, already {$1400.00} paid to the settlement.On XXXX, {$200.00} was reversed to my XXXX XXXX savings account. I called XXXX XXXX to ask them why they returned the payment, they said that the payment reflected but then that the payment bounced because of no suffIcient funds. But that was a lie, because I saw the payment report to my XXXX XXXX account in my XXXX report, and later I noticed that they were only allowed to withdraw {$100.00} that month like the rest of the payments till the end, but they took out {$200.00} that XXXX, and wanted to return the money, making a default on my settlement contract, which says in the Terms that there may not be any alterations to my monthly payments until its completion or the results will be nulling and voiding the settlement.
Product: Mortgage

This is an ongoing issue XXXXLoan Depot Refuses to take reponsibility for there incompetence .I was led to believe my monthly mortgage payment with escrow account would be {$1500.00} .They had all documents including Ca .Fair Plan insurance  and failed to add to amount Two weeks after closing I was contacted by Ca.Fair Plan to pay {$1700.00} now or be cancelled .I assured them this was to be included in my new loan! Thats how I found out they had not include this in escrow .Great no fire insurance! Is this even legal to fund a house .Our agreement was OBVIOUSLY to have this included with taxes and other XXXX XXXX, again they had ALL documents in their possession ( XXXX XXXX was managing this transaction ) They say not their problem .Fraud or incompetence .Math  360x {$140.00} = {$53000.00} .Presently I am on fixed income, this was not calculated into my monthly bills.I am only asking to be treated fairly .This was not my mistake but Loan Depots.I am only asking to be treated fairly .I believe it wouldn't be so hard for them to adjust interest rate to compensate for this to keep my payment at agreed upon amount. {$1500.00} per month.I believe Loan Depots incompetence and may now be considered fraud and should compensate ASAP
Product: Debt collection

I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance.
Product: Payday loan, title loan, or personal loan

XXXX XXXX or XXXX XXXX XXXX XXXX Loan # XXXX VIN XXXX Pay off letter was obtained XX/XX/22 for the amount of {$59000.00} good through XX/XX/22. 

The amount of {$59000.00} was wire transferred to the loan on XX/XX/22. The loan was paid off and closed and the title was sent to me by mail I have it in my hand with a letter from the bank stating the loan was paid in full. See attachments. 

On XX/XX/22 I reviewed loan online and the bank opened loan back up reversed the wire transfer then reposted the wire transfer for the incorrect amount of {$56000.00} reflect a outstanding balance owed of {$2400.00}. 

This is illegal and a violation of consumer protections regulations and UDAAP. 
This must be investigated and corrected asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Hi XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing by the Consumer Financial Protection Bureau ( CFPB ) Have brought to light significant Concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days, Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverified must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputes according or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
Account Name : 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 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 Correct or delete any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX we did a Loan Modification on our XXXX and XXXX Mortgage. XXXX XXXX XXXX was our XXXX Mortgage Company. They agreed to a modified monthly payment of {$100.00}. Sometime in XX/XX/XXXX the XXXX Mortgage was sold to a company XXXX XXXX and we continued our {$100.00} a month payment as agreed. In XX/XX/XXXX or XX/XX/XXXX XXXX change there name to Shellpoint Financial. In XXXX XXXX we were reviewing my Credit Report and found we have late payments reported by Shellpoint. ( It should be noted that during all this time we continue to make our agreed payment of {$100.00} a month ). We contacted Shellpoint and after several calls without getting anywhere and wanting to remove the late payments from my credit report we sent them an extra payment of {$300.00} in XXXX XXXX and extra payment of {$200.00} in XXXX XXXX. This extra payment were made because Shellpoint refused to help us in anyway or explain to us why we had late payments on my credit report. On XXXX XXXX, XXXX I checked my credit report again and found out that there are still several late payments. I contacted XXXX and spoke to XXXX XXXX and she refused to work with me or explain why this happen. I have tried hard to clean up my credit report and I do not feel that is right that they are showing a late payments when we have made our agreed monthly payment since the beginning of the modification. The Following breakdown of payment for the last 12 months of my bank records as follows:XX/XX/XXXX - $ XXXX - $ XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XX/XX/XXXXXX/XX/XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XXXX XXXX - {$100.00} Payment for XX/XX/XXXXBecause of there errors it 'll affect my ability to buy a new home or obtain any credit. Any help you can gave me regarding this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, XXXX and Equifax are not reporting this account, XXXX   XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and Equifax are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, Equifax is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX and XXXX  are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX   and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.