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

On XX/XX/XXXX I received an alert that a payment was made to my Self credit builder personal loan account of {$15.00} for a late fee. At this time, my account was current in its standings with no indication of a late fee being required as the account, which was accessed on the app, reflected {$0.00} owed and the balance was current. On XX/XX/XXXX, I received another alert that a second {$15.00} late fee payment was applied to my account. I did not authorize the total amount of {$30.00} in unexplained late fees to be made nor processed to my account. I contacted immediately by phone and was informed that the payments are shown as being made manually ; as if I made them. My account at the time was set up on auto payment for my monthly payment of {$25.00} to be made on time from my registered bank account. The same bank account that the fees were being made from. I informed them that I did not authorize these payments and was advised that they could not help me nor stop the payments that were showing a pending status. I had accrued a {$15.00} late fee in XXXX and XXXX, both of which were paid. I removed my bank account and turned off my auto payment and still received an alert via email today, XX/XX/XXXX that a late fee is on my account to be paid. The account currently reflects {$30.00} in insufficient fund fees, {$15.00} in overdue fees a {$1.00} late fee. My payment due date was adjusted and done so by myself for the XXXX of every month. My next payment is due on XX/XX/XXXX. My account is reflecting it is 16 days to this very day, late, and I owe a total of {$71.00} to bring my account to current. The company is refusing to resolve my account problems and fix the errors I am facing by putting my account back to a current status with all overdue and late fees removed and bringing it to a status of having a {$25.00} monthly payment balance on the account as it should reflect but does not at this time. 

I have made attempts to email and correspond with their dispute department via their dispute email : XXXX but have been told once again that I must contact my bank to have any payments stopped and flagged as fraud and then they will proceed to remove my bank account, which I already did myself, but will NOT remove the fees accrued due to their wrongdoing.
Product: Money transfer, virtual currency, or money service

I was scammed when I used Zelle to purchase concert tickets from a seller who turned out to be fraudulent. After sending the money, the seller disappeared and never provided the tickets. When I contacted my bank to report the scam, they refused to reimburse me, stating that Zelle transactions are final. Despite my efforts to recover my money, I was left without any support or recourse, exposing how Zelles lack of fraud protection and refund policies put users like me at financial risk.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I tried to use my USAA debit card but the payment was declined. I looked at my account info through the mobile app and it was account info unavailable which i thought could have been due to a system error. I checked again on the morning of XX/XX/22 and when it still said the same thing, I called and was informed that due to me not sending them requested documents that they were closing my account and started the process on XX/XX/22. I was only ever informed one time in late XXXX through a mailed letter and an email. I receive hundreds of emails a day and rarely go to my mailbox, so its very easy for me to miss a single letter. Yet USAA never reached out to call about the documents, which if they had I would have sent it to them on time, or to even tell me that my account was being closed. A representative informed me that the only way to resolve this issue is to open a new account with them. After this experience, I decided to no longer use their services as my trust in them is gone. If USAA would have properly communicated this with me, this issue would have never occurred. It is very unprofessional for a financial institution who services thousands of people to treat their customers this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the FCRA, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt twice. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to sue Speedy cash. For pain and suffering from this stress being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three Credit Agencies reports. Ive sent Validations letters to all three Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great stress of my being.
Product: Checking or savings account

I was contacted by Wells Fargo via mail in reference to # XXXX Accidental benefits I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$4600.00} I was contacted by Wells Fargo via mail in reference to # XXXX " XXXX XXXX XXXX '' I was aware of having been charged in XX/XX/2010. After responding no, they were supposed to reimburse me with {$240.00} They said it would be between 15-45 days. It's now over 4 months since I contacted them in referance to that letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights with these unauthorized inquiries. 

. Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Reported XX/XX/XXXX Other Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I've never lived at these addresses listed above. 

15 U.S.Code 1681 Section 602 A. States I have the right to privacy.

15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$8000.00}
Product: Vehicle loan or lease

In XXXX of XXXX, I set up autopayments on the US Bank website to handle the monthly payments for my auto loan on a used 2015 XXXX XXXX. My bank, XXXX   XXXX XXXX, didn't process the autopayment correctly and I consequently missed two payments of {$210.00}. I did consequently pay the full amount due of {$430.00} plus {$10.00} in late fees. US Bank immediately reported the late payment to the credit bureaus even though the problem was with XXXX XXXX XXXX XXXX handling of the the autopay setup. I called US Bank to explain the situation and set up autopay again. This time autopay went through, but US Bank refused to remove the derogatory remark from my credit report. 

Due to this derogatory mark, I'm unable to refinance loans to free up funds to assist my XXXX XXXX. I have a solid year of on-time payments since then, and I request that US Bank humanely consider that they received all the money due to them plus penalties and not hurt our future for the next seven years.
Product: Credit card

This card is ridiculous. First of all the annual fee XXXX. Now I notice all the interest fees monthly. I am not getting anywhere with this card
Product: Credit card

I am executor for my mother XXXX XXXX. She has a XXXX and XXXX with Synchrony bank. I received statements of amounts due on these accounts, and sent payment. It has been over a month and the checks have not cashed despite other checks sent to other banks that day having been cashed long ago. 

Online reviews show that holding checks is a problem at synchrony. 

When I call, they have difficulty locating her accounts but ultimately do so and verify that payment is due. They have also given conflicting information stating not payment is due. 

I need them to cash the checks.
Product: Credit reporting or other personal consumer reports

THIS ARE FRUAD ACOUNT I JUST NEED THIS FRAUD ACCOUNT AND FRUAD INQUIRSI OF MY REPORT NOTHING MORE. I HAVE TALKED TO TRANSUION OVER AND OVER AND XXXX THE SAME WAY!! 

THEY KEEP TELLING ME WE HAVEN GOT DOCUMENTO WENT I GOT PRROF THEY HAVE RECIVE IT MANY TIMES.

JUST NEED THIS FRUAD ACOUNT OF MY CREDIT THAT ALL.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

Chase bank received a loan for XXXX they wouldn't let me XXXX it caused me mental anguish and financial hardships had to close account w chase not allowed to bank w them ever again and owe them XXXX $ etc.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized inquiries listed on my credit report. I did not authorize these inquiries, and I request that they be removed from my credit file.
Product: Credit reporting or other personal consumer reports

my student loans all from one XXXX XXXX XXXX XXXX  has been with several agenies through the years from XXXX XXXX XXXX  to XXXX XXXX XXXX to currently Mohela they should be forgiven under Biden administration law however every time i try to submit says im only eligible for income driven repayment plan the 3 or 4 loans are consolidated into one loan around {$34000.00} for whatever reason every time the loan is moved to a different collection servicing agencies it creates a new loan under each credit bureau making it seem like i have 3 separate loans with each credit bureaus verses 1 consolidated loan reporting one time to XXXX XXXX and XXXXIt however reporting 3 separate loans of {$34000.00} to XXXX XXXX and XXXX reporting debt of my student loan around {$100000.00} alone verses just {$34000.00} being it keeps going to agency to agency even after consolidation this has heavily hindered my credit worthiness and is negatively adversely affecting me from getting better housing interest rates on cars and other goods because a high debt to income ratio.
Product: Mortgage

We purchased a new construction home in XX/XX/XXXX. Closed on XX/XX/XXXX. We mortgaged XXXX and currently owe XXXX. 

We received an appraisal on our property, which we paid for showing that our home is worth XXXX. We are in good standing with the mortgage company and requested PMI to be removed. 

We received a letter from LoanCare XX/XX/XXXX refusing to remove PMI even though we can show our homes XXXX is less than 80 %. 

Under the homeowners protection act we are requesting that PMI be removed.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries have severely impacted my life, causing significant stress and anxiety. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts include unknown credit collection {$98.00}, hard inquiries not authorized to run credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Loan # : XXXX. A incorrect 30 day past due payment/negative alert was filed by XXXX on XXXX credit file with the experian credit bureau XXXX I mailed the payoff check to XXXX in XX/XX/2023, before the 30 day deadline and the loan is now paid off - in full. XXXX filed a " paid off '' with the credit bureaus in XX/XX/2023, and then AFTER it was paid off AND closed they then filed a 30 day past due on XX/XX/2023 with the bureaus AFTER my account was already marked paid off. This is unfair and should be illegal. How can an account be closed and " paid in full '' and then a creditor be allowed to file a late report AFTER the account is closed and how are credit bureaus allowing this. I have never been late in all the years I've had my loan and this negative report has severely impacted my credit score.
Product: Mortgage

My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.
Product: Mortgage

The loan started out i owed XXXX and they modified the loan now at the end of the loan I owed them XXXX so over all i will have to pay them XXXX something dont seems right about that on a interest only loan.
Product: Debt collection

Im not liable for this debt with National Recovery Agency, I do not have a contract with National Recovery Agency. They did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I sent the company a certified letter to verify the debt and havent respond.
Product: Credit reporting or other personal consumer reports

I am writing regarding a discrepancy with my credit report and a closed line of credit previously held through PayPal with Synchrony Bank. Although the account has been closed for over a year, I have always made my fixed monthly payments. During this account 's active period, I did experience XXXX late payments which were recorded in XXXX and XX/XX/2019. At the time of occurrence, I formally disputed these late payment entries, and they were removed from my credit report. Recently, however, I have found that these late payments have re-appeared on my credit report, reflected this time as 30 and 60-day past due. This is a disturbing reappearance, and I request that this discrepancy be investigated and rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was added to my credit report XX/XX/2023 by Southwest Recovery Services. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Product: Credit reporting or other personal consumer reports

I don't recognize any of these flags on my credit report 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 XXXXXX/XX/XXXX