23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This morning, XX/XX/XXXX at XXXX XXXX. I contact Old Navy Credit Card concerning over charging or taking out additional automatic electronic payments since XX/XX/XXXX. I mentioned that there are some that I can verify, but there are many that I can not verify, and I'd like for them to verify. I spoke with 2 representatives, the first one XXXX, who could not understand and kept rambling about how I have three credit lines so there should be 3 payments each month, even if one of the account had a balance of {$0.00}. I asked to be transferred to another representative, her name was XXXX. She was able to verify some of the automatic e-payments, but many that she was not able to backtrack or see. Being frustrated, I called my bank and asked XXXX XXXX XXXX XXXX to help me track the other unauthorized automatic e-payments. The bank teller was able to provide the trace number to me so that I can ask Old Navy Credit Card to trace where the unauthorized automatic e-payments were going through. So, this evening I contacted Old Navy Credit Card again, this time, through the virtual chat and spoke with a representative XXXX. He also confirmed the same thing that XXXX was only able to confirm. I asked XXXX, if given a few of the trace numbers, will he be able to tell me where these unauthorized e-payments were going to, such as another person 's account or perhaps an electronic error or even an old account. He also responded that he was not able to do so. I am very frustrated with the same response Old Navy Credit Card has given me and need an actual Synchrony representative or someone who can help me resolve this. At least, tell me that they can transfer me to speak with a representative from the fraud department or something, but there was no offer.
Product: Debt collection

This collection company is but a multiple number of agencies used by Pendrick Capital Partners llc to  collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. Pendrick Capital Partners has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle for my first time 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 infeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. I've contacted Zelle numerous times via phone about sending funds to someone and never received the service and they told me they can't recover the funds leaving me without {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.
Product: Checking or savings account

I still have not heard anything back from your office, since contacting you XX/XX/2018 ' Hello, I filed a complaint with the FDIC, which in turn forwarded my issue to you ; XX/XX/2018 Ref. No. : XXXX. I transferred funds ( {$1700.00} ) for a vacation rental XX/XX/2018 from my Chase acct. to another Chase bank acct. On XX/XX/2018, I was informed it was a scam & contacted Chase fraud dept. by phone XXXX-18 ' as well as going to my bank, speaking with an officer & then back to speak with the manager. My funds would not clear to the following day XXXX-18 '. I informed them I was fraudulently duped & asked them to stop payment, none of the people at Chase heeded my warnings & allowed the money to be picked up by the recipient the following day, when the hold expired. The person who took my money does not reply to me now. Thank you, XXXX XXXX
Product: Mortgage

The now defunct GreenTree Mortgage Servicing, in addition to having wronged us in all ways you made judgements against them in XXXX 2015 ( which we did not know about until today ) continues to report our old mortgage as delinquent and unsettled to the credit bureaus, two years after the sale of our home and AFTER sending us our PAID IN FULL stamped documents. We made 12 years of on time in full payments to them and I ca n't get anyone at Ditech, who bought them, to help us. We just want it off the credit reports. It 's our only black mark and its trashing our scores.
Product: Checking or savings account

In XX/XX/XXXX I terminated my employment with XXXX XXXX. However, I chose to allow my XXXX account to remain as I had no issues with the account or its servicing. By letter dated XX/XX/XXXX from Optum Bank, it was made known that XXXX was selling its XXXX business. On XX/XX/XXXX, my funds were transferred to Optum. 

Trying to explore options, I submitted several questions to Optum, one of which pertained to its fees. Prior to submitting the questions by email, I had attempted to locate the information on its site.

The short of the matter is that I was charged an account closing fee in the amount of {$20.00}. Optum had my funds from XX/XX/XXXX to XX/XX/XXXX not thru my choice, did not provide a list of its feesnor did I ever locate oneand notified me about the termination fee when I received the in the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always  paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX repossessed my vehicle after only being 20 days late due to unexpected expenses. I reached out to the lender and I was told the vehicle was going to auction and there was nothing they could. They did not reach out to me or any of my 5 references that they demanded I provided. Came and picked up vehicle on the middle of the night and refuse to reinstate it.
Product: Mortgage

A year ago, my husband and I purchased our dream home and finance our mortgage with UWM. Our experience through the financing process was seamless. We were very happy with the services we were provided. We were so happy that we referred other friends and families to finance their homes with your institution. Soon after COVID hit and like many families, we were financially affected. Our baby had just arrived and I had to go on an extended leave without pay to care for our daughter. As a result, we opted to refinance our mortgage to help make ends meet. Unfortunately, we were not able to refinance with UWM being that the cost and rate was not as competitive as other financial institutions to meet our financial needs. We began the refinancing process in XX/XX/2020. By XX/XX/2020, the request was submitted to UWM. When we began the refinancing process it was explained to us that a CEMA would be needed. We patiently waited but unfortunately to date, we have not been able to close on the refinancing. Our refinancing bank has exhausted all measures in attempting to obtain all the documentation needed from the custodian that is holding the collateral files. The attorney representing XXXX XXXX has been trying to obtain the collateral files from the custodian since XXXX and has followed up countless times with no result. I contacted XXXX XXXX ( attorney representing UWM ) on two occasions and all I have been told is that the custodian stated they will expedite the request but three months later we are still waiting. I attempted to obtain the name of the custodian for our mortgage and Mrs. XXXX said that information can not be disclosed to me. As a customer, who has been paying for a mortgage for the past year, I do not understand why this information can not be disclosed. Today, we were informed that out rate lock can no longer be held. As customers, we have made it our priority to make sure we continue to pay or mortgage timely. We have done the impossible to try to stay on top of our payments while we are able to refinance. We are highly disappointed that a financial institution rated so highly and who we recommended to our friends and family has let us down in a time of need. I have called UWM countless times in the past month and have not been offered no valid explanation as to why this process has taken as long as it has. As a result of the lack of diligence, we will no longer be able to keep our rate lock without having to pay a weekly fee. My husband and I are in hopes that UWM can provide us with answers as to why the custodian is holding our collateral documents and is not releasing them. We are in dire need.
Product: Checking or savings account

Deposited a check on XX/XX/XXXX, for {$2500.00} via mobile deposit into my Huntington Bank account ( savings ) XX/XX/XXXX the hold was released. The funds were in my account but I have not been able to access them. My account was closed with the funds on it. I have been told a hundred different visions when I contact Huntington through the branch, fraud, customer service, XXXX. At this point I dont know what to do.
Product: Mortgage

After learning I had an escrow shortage, I chose to pay the shortage in full on XX/XX/2023, per the information provided to me at the time of my annual escrow analysis. While RoundPoint applied this payment to my escrow account, they have not changed my monthly payment to account for the fact that I have made this payment- despite the fact that their FAQ document included in the escrow analysis stated that " Your scheduled monthly payment will no longer include the shortage collection amount should you choose to pay the shortage in full. '' It has now been 3 additional monthly payments ( XXXX, XXXX, XXXX ) where they continue to include the Escrow shortage amount on my monthly payment. 

On XX/XX/2023, I emailed RoundPoint Mortgage Servicing about this escrow payment and how my monthly payment has not yet been updated. Their automatic response said they would respond within 30 business days. After not hearing from RoundPoint, I emailed them again the week of XX/XX/XXXX. I still have not received any response, to either my first or second inquiry.
Product: Credit reporting or other personal consumer reports

This account is the result of identity theft. I do not understand why Experian continues to report this account that does not belong to me on my credit report since credit bureaus such as XXXX and XXXX removed this fraudulent account from my credit reports. 

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Please note that you have XXXX days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I made XXXX transfer transactions to my chime account from my XXXX XXXX account. XXXX transaction in the amount of {$150.00} and a second transaction of {$520.00}. My account was fine with chime as I didnt have any problems with using my chime card until XX/XX/2023 as I received a email from chime stating that my account was on hold. I contacted them and I was asked to send them my identification card front and back as well as proof of me being the account holder of the account I transferred from. I did that no problem. I then receive a email saying my account is closed and I can not get any of my funds because it does not comply with the deposit account agreement. For more information please review the amendment and cancellation section of the chime deposit agreement. I went and did just that and read everything. I do not use my account for business purposes its my personal account as well as I dont have a business. I completely complies with each and everything they asked me to send to them and I kept getting the run around. I cant even get through to a representative via my mobile device at all as they have me blocked. This is rediculous all my information matches I didnt do anything inappropriate and again Im using my chime account for personal use never used it for business purposes in any way. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find the attachments that are in accordance with federal law.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Notice of Violation Under 15 U.S. Code 1681o Civil Liability for Negligent Violation of FCRA Dear CREDIT REPORTING AGENCYS I am writing to formally notify you of a violation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses the civil liability for negligent violations of the FCRA. I believe that your actions or inactions have resulted in a failure to meet the statutory requirements under the FCRA, which has caused harm or inconvenience to me. 

Details of the Violation : inaccuracy proof is attached along with credit report showing inaccuracy, social, utility, and identification 1. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately XXXX. This account is showing inaccuracy must be removed immediately according to section XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I request this information to be removed immediately according to section 609 3. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately according to section 609 4. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section XXXX XXXX. I was never late on this account XXXX XXXX XXXX  Account Number : XXXX update inaccurate late payment to positive 6. I was never late on this account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX update late payment status to positive 7. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 8. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 9. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX  Account Number : XXXX i am requesting this information to be removed immediately according to section 609 Under 15 U.S. Code 1681o, you are required to comply with the provisions of the FCRA in a manner that avoids negligent violations. Due to the harm caused, I am seeking compensation, correction of the record, an apology, or other appropriate remedies. I request that you take prompt action to correct this violation and notify me of the steps you will take to resolve the matter. 




Sincerely, XXXX XXXX