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

Experian has not removed or deleted inaccurate information reporting on my credit report. XXXX outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. XXXX continues to report inaccurate information and even though I have sent letters and called Experian, Experian will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since 2017.
Product: Debt collection

This company has been harassing me for 3 years and refusing to remove a collection item that does not belong to me. I have requested the company send me a signed contract with my wet signature on it, copy of photo ID proving the debt belongs to me, and proof of debt ownership. They have a lot violated my rights in which I communicated with them via mail and have received no response. I will pursue this matter to the furthest extent of the law due to the financial and emotional distress it has caused me.
Product: Credit card or prepaid card

Synchrony Bank stopped sending me paper bills. I do not do online payments. Never have. I started not getting bills, once a new card was issued adding my husband. I started in XXXX getting emails, stating account was delinquent. Made numerous calls requesting a bill. In XXXX, I requested and finally go a paper bill... We paid the entire amount. Now, in XXXX, I get a notice stating we owe {$1200.00} I requested a paper bill yet again, on XX/XX/XXXX. They said they can not give full bills... Just the delinquent payment. I have requested that this account be closed, back in XX/XX/XXXX and have since destroyed the cards. I need to see if someone is using this card because it is not us. We were hacked back in the fall of XXXX and I want to make sure this is not part of that incident.
Product: Credit reporting or other personal consumer reports

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXXXX/XX/XXXX Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised or stolen. I filed a police report and notified XXXX XXXX and Trans Union.
I feel that they are not taking the matter very seriously at all.
Product: Checking or savings account

My Chase personal, business, and savings accounts were hacked on XX/XX/2023. 
The hacker moved {$1300.00} back and forth between those accounts in order to XXXX the payment from my business account. I received an alert on my phone that morning from the bank and called them to report the fraud. 
Chase fraud closed my accounts for 48 hrs and then reopened them with new usernames and passwords. I also received a email about adding or editing the XXXX person and reported that I did not know this person. 
They originally told me they could see I did not make the transactions from my devices and then 2 weeks later said I did with no proof. 
They have still not done anything to credibly my account.
Product: Debt collection

XXXX XXXX XXXX states that debt with them was open XX/XX/XXXX and I have no knowledge of being in any contractual agreement with them. 

XXXXXXXX XXXX XXXX states that debt with them was open XX/XX/XXXX and I have no knowledge of being in any contractual agreement with them. 

XXXX XXXX XXXX states that debt with them was opened XX/XX/XXXX and I have no knowledge of being in any contractual agreement with them. 

Transworld systems states that debt with them was opened XX/XX/XXXX and I have no knowledge of being in any contractual agreement with them.
Product: Vehicle loan or lease

I do not agree with XXXXXXXX XXXX RESPONSE RE : XXXX. I am XXXX XXXX XXXX and I am submitting this claim myself and no third party is involved. I am the consumer and the original creditor. XXXX is in violation of my consumer rights. Pursuant to USC 15 1681 ( a ) ( 4 ) I have the right to privacy. XXXX policy does not override a federal law. Pursuant to 15 USC 1681 a ( 2 ) ( 3 ) I have the right to deny anything being reported on my consumer 's report. Pursuant to USC 1695G Only I can validate this debt. I, XXXX have not validated this alleged debt. Also Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be EXCLUDED from a consumer report. 
XXXX might want to look up the term " Credit Card '' THE CREDIT CARD IS MY SOCIAL SECURITY CARD. This is the credit card to used to originate every consumer credit transaction. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am Demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
According to 15 USC 1666 it is unlawful to report late payments it's a violation. Anything that contains a finance charge has already been paid in full balance because pursuant to 15 USC 1605 a finance charge is the sum of all charges so how can there be a late payments???? 
An alleged debt being furnished on my consumer report IS a violation of 15 USC 1692b ( 2 ) it is also advertising to coerce payment which is illegal.
Product: Credit card or prepaid card

Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone. 
Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.
Product: Credit reporting or other personal consumer reports

This is very alarming and concerning, there are unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Best Egg received my payment of {$15000.00} via USPS certified mail ( XXXX ). My payment was made as per my loan agreement payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). I received correspondence from the company dated XX/XX/XXXX, where the company acknowledged that my payment was received but the company still has not credited my account to reflect my payment. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX but the company has not responded since and has not updated my account to reflect my payment
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I noticed that withdrawals had been made from my Wells Fargo Savings and Checking account in the amount of {$98000.00}. These daily withdrawals in the same amount had been going on for several months, made by the same individual using XXXX. During this time I received only XXXX email from Wells Fargo, saying that money had been take out via XXXX. Having never heard of XXXX, I assumed it was a scam. Wells Fargo has determined that I authorized these transfers, but has never answered any specific questions about how this authorization took place, or any information about a phone number unknown to me that had been added to my account. I am working with a local police detective as well as an attorney. Neither has received any satisfaction from Wells Fargo. The Florida Attorney General 's office suggested that I submit a complaint to your office.
Product: Mortgage

On XX/XX/XXXX, I XXXX XXXX mortgagor spoke with SPS regarding my tenant has passed away XX/XX/XXXX from 15 years. 

From XXXX XXXX XXXX I have paid the mortgage payments out of my pocket and can no longer afford to pay with my own expenses needed to pay since I have been impacted with XXXX XXXX and my tenant who has passed away. I did also speak with SPS and did advance my escrow payment for my property for the taxes and insurance and was told the this payment was deferred. 

I am working now trying to fix this property because of the XXXX XXXX issues in this property. I received a threatening letter stating I was in default and I am not XXXX XXXX from my servicer. I dont appreciate being threatened when they were advised of my Hardship and my XX/XX/XXXX payment was deferred. To much back and forth and I am filing this complaint and hopefully I can get some assistance. 

I can not sale or rent this property until I get the Covid 19 issues hardship address which is going to cost well over {$20000.00} that I will have to borrow after owning this property since XXXX. 

The house is not livable at this time as you can see from the pictures. Also my mailing address is not my property address that I dont live their and SPS sends mail to the wrong address. My mailing address is XXXX XXXXXXXX Chicago I XXXX that they are aware of. I am here at the property with my contractors trying to do my best to get the property up to livable sanitation for another tenant etc.
Product: Money transfer, virtual currency, or money service

Despite me entering my correct account credentials through XXXX to fund my new account, TD Bank is blocking me from transferring money into XXXX.
Product: Debt collection

I thought I participated in a consumer credit transaction with Hyundai Motor Finance on XX/XX/2019 however the name of the company that was furnished on my consumer report is Hyundai Capital America who in the hell are these people? Anyway, I know a consumer credit transaction is an action where a finance charge was involved. A finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. 

In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is I should have not been receiving bills through interstate mails, I should not have had my car repossessed, I should not have lost my job, I should not have had to put a down payment for the vehicle and lastly, this transaction should not have been furnished on my consumer report. They have not provided any documents that I requested. 

Because of all of the damages this company caused me these crooks are in violation of detailed subchapters of TITLE 15 USC CHAPTER 41.
Product: Checking or savings account

PNC Bank had committed fraud with my account # XXXX. They have lost my money over {$2500.00}. They do not have a withdrawal slip. I have contacted the bank manager as well as their conflict resolution person, XXXX, phone number XXXX. 
I want the return of the stolen money. Refund {$2500.00}. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I received an unsolicited debit card from XXXX XXXX for my brother who is in a XXXX care facilty. It is a Visa card from XXXX XXXX. 

I did not request it. I will allegedly be charged {$2.00} per month for inactivity. 
There customer service number does not connect me to an operator despite a long wait on hold. 

I believe this to be a violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On on around XX/XX/2018, I contacted XXXX XXXX bank to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX bank that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX bank. When I contacted XXXX XXXX bank in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XXXX on a card that was paid off in XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX Bank on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.
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. 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

After disputing an inaccuracy on my report, and getting a late payment removed in from an error that occurred in 2019, my credit score increased by XXXX points. Then for no apparent reason, XXXX  days later, it went down XXXX points! The Transunion score is now lower by XXXX points compared to XXXX, and XXXX ( who also uses XXXX ) and there are no differences in the reports in terms of payments or debt. Something seems askew with this score, algorithm or scoring model. 
Transunion was the only reporting agency that had this score reduction. I have contacted customer service at Transunion, which was an abysmal experience and of zero help. Please refer this request to a competent individual within your organization who can investigate the issue in detail. I think its reasonable to expect transparency as to how this score is calculated and an explanation as to why a score would drop after having negative information corrected. Thank you.
Product: Debt collection

I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.
Product: Debt collection

My XXXXXXXX score had drop 35 credits by this case! And I do not know why and how this case happened! then even give the case, so I can not submit my dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. Systems Inc # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.
Product: Debt collection

Simons Agency Inc reports on my credit report that I have two accounts one for {$130.00} and another for {$200.00}. Both accounts opened on XX/XX/2018. Nevertheless, I've never received any correspondence form the agency. 

I have not received any service from XXXX XXXX XXXX anytime on the date open or anytime during the year of XX/XX/2018.
Product: Credit card or prepaid card

I received a bill for a valid purchase for XXXX XXXX on XX/XX/XXXX with a due date of XX/XX/XXXX. I immediately made payment via online banking with my bank in XXXX, Fl to a processing center in XXXX, TX. I was provided with 6 business days to ensure payment. 
On XX/XX/XXXX, I received another bill for XXXX dollars as a late fee as they indicated that they did not process my original payment ( I believe ) until XX/XX/XXXX. I immediately called them the evening of XX/XX/XXXX and they refused to waive the fee. But they informed me that they were slow in processing bills after the holidays but everything was better now. I did not want to argue so I simply paid the fee again through online banking ( which was processed by my bank on XX/XX/XXXX ) and cancelled my card. This time I was given 7 business days from receipt of bill to make payment. 
To my surprise, I received another bill today, XX/XX/XXXX for another XXXX dollar late fee for the XXXX dollar late fee as they indicated they processed it on XX/XX/XXXX. I do not have a store near me to make payment nor do I provide my account information online or on the phone to make payments. I paid the bill the date I received it. The post office informs me that it should take 2 days to send from XXXX to XXXX. 
I spoke with 7 individuals today alone telling me that they can not waive the fee as I cancelled my card nor was there anyone I could contact via phone or email but rather I could complain via mail and provided a physical address. At the rate we are going I will always have a XXXX dollar late fee each month for the late fee if they do not notify me of the bill in a more timely fashion because clearly the date received is not an appropriate amount of time.
Product: Debt collection

on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.
Product: Credit reporting or other personal consumer reports

My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even three years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts Money orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Product: Vehicle loan or lease

Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve this.
Product: Debt collection

I did not consent, nor benefit from, or authorize any of the following Account : 1. SYCRONY CARE CREDIT-Account # XXXX {$5600.00}