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

The loan was for {$920.00}, which I was planning on paying back in a month after taking it out. 

The installments were for {$260.00} every 2 weeks and it was breaking my bank. So on XX/XX/year> I called to pay off the loan. They said I had to pay the pending {$260.00} payment on top of an addition {$1000.00} to pay the loan off. Which is MORE than what they paid me initially. With the interest fees, they wanted me to pay off over {$5000.00}, which is also why I wanted to pay it off. 

But after 2 months of {$260.00} payments every 2 weeks, I somehow owed MORE than what I took out. I closed my bank account because I can not afford to pay them this much and to pay off more than what I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Most of everything thats on. My credit report is not me.
Product: Debt collection

My wages are been garnished for a car o purchased 20 plus years ago i was not notified of the garnishment from either payroll department or from the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information has been exposed of a data breach recently of one of the 3 biilion persons. To whom this nay concern sincerely. Please consider this a formal request to investigatea and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request to pursuant 15USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you verify each on of these items, and that the inaccurate items be deleted from my record. 

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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial insituiation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and also allows repeat offenders to exploit the system leaving us vulnerable
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Unlimited VisaXXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. None of these cards have ever been late yet due to under reporting on my Experian Credit report, my score is reported being XXXX which is a fair score. This reporting is preventing me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 35 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report accounts that I specifically informed them I do not consent to the reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demanded any documentary proof that they have on file from these financial institutions of verifying my consent to furnish, which they refused to provide me thus violating my right to privacy. I addition to these two violations, Transunion continues to sell my consumer file to new financial institutions that they are affiliated with and being paid by. After placing my complaint a week ago the violated my consumer rights once again by selling my report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which resulted in a hard inquiry ( AGGREVATED IDENTITY THEFT ) while I am in the process of applying for A mortgage. This lawless behavior can not go unchecked and we now have no other administrative recourse, thus litigation must proceed. I do not consent to XXXX XXXX XXXX XXXX XXXXXXXX, or XXXX XXXX XXXX XXXX ( AGGREVATED IDENTITY THEFT ) to be reported or advertised on my consumer file, and I did not consent to informative research to obtain a copy of my consumer file. I do not consent to any one obtaining my personal, private, protected information with out my express written consent. Transunion is blatantly committing aggravated Identity theft. I demand a copy of the contract between TransUnion and XXXX XXXX credit card service and XXXX XXXX XXXX XXXX to gauge their interest or affiliation concerning their profit for suppressing my credit score.
Product: Credit reporting or other personal consumer reports

Experian Dispute unresolved Email received on XX/XX/2023 The dispute centre of Experian doesn't seem to know codes and status as pertaining to billing and reporting. 

Affirm not only broke FCRA by charging my account off ( XXXX, true accord, and now a XXXX XXXX, XXXX ) But also Bill of Exchange violations for not allowing a vehicle for paper notes ( checks, money orders ) to be sent out or received. Not sending paper statements via carrier mail. 

I sent this info ( along with screenshots for viable proof ) to Experian to have my negative reporting and overdue balanced removed but to leave it as XXXX XXXX XXXX  for the months that I have paid ( I owe {$320.00} originally it was over XXXX ) But it seems my proof is being ignored or whom ever is reviewing my dispute is a fool
Product: Checking or savings account

I signed up with a {$100.00} bonus for opening my account with M & T and doing 15 transactions with my debit card. According to correspondence from XXXX from customer service, sent to my online banking secure messaging on XX/XX/XXXX, " if 15 or more qualifying purchases are made with your M & T Debit Card by XX/XX/2919, a {$100.00} Cash Bonus will be credited to the account by XX/XX/2019. '' If these are the terms of the promotion, my account is eligible for a {$100.00} cash bonus. Further in the email. it says that no purchases have posted to my account. I have made over 15 transactions on the account, and they were all made prior to XX/XX/2919.
Product: Credit card or prepaid card

My TD bank Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for XXXXXXXX  and invested a total of {$20000.00}. After the initial investment XXXX continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my XXXX account was unsuccessful. At present I have no access to my XXXX account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to TD Bank and to XXXX for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$170.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card

I have used my Citi Bank card for 4 different balance transfers. I knew that my first balance transfer would be due by XX/XX/2023, so I have been making an extra {$300.00} - {$500.00} payments ( on top of my minimum amount due ) for several months. Now that XX/XX/XXXX is just around the corner, I looked at my statement and expected to have a small amount to pay off for this balance transfer. 

I just spoke to Citi 's customer service and was told that they apply my payment to the balance transfer with the highest interest rate. Some of mine are at 0 % ( including the one due XX/XX/2023 ) and some are at 1.99 %. They have not been posting my payment to the balance transfer that will expire first. Which means, that there is no way for me to pay off that balance and I will be charged 25 %. 

The customer service guy said it was my fault for not reading the contract. I still feel that this is SHADY. He also told me that I could just pay it off on XX/XX/2023 & it would only have one day of interest. I can't pay {$2600.00} all at once! That's why I've been making extra payments- and why I needed the darn loan to begin with!
Product: Mortgage

In XXXX of 2022 an escrow analysis was done on my mortgage account using incorrect information, leading to my payments being {$800.00} more a month. I contacted the company via their messaging portal and phone calls over 20 times to try to get my account fixed. Every time I made contact, I was told a different story to how and why the issue still was not resolved and was given a new date that it would be fixed by and told that they would follow up with me. After getting nowhere with fixing the escrow account, I was told that I could cancel/waive the account and it would take 12 days to process. I followed their instructions to waive the account, waited 12 days and still no resolve or any correspondence after another month. I have made several more calls and the customer service department claims they have no way other than email to communicate with whomever can make the changes to the account. I am told that they will " elevate '' the request and follow up. And again I get no response and no resolution.
Product: Mortgage

I have tried contacting Shellpoint because of this pandemic to no avail. This company has totally ignored the Cares Act about lenders and loan servicers can ' t foreclose on homeowners until at least XX/XX/2020.The Cares Act and guidance from GSEs and the USDA prohibit lenders and servicers from beginning a judicial or non- judicial foreclosure against homeowners or finalizing a foreclosure judgement or sale. This protection began on XX/XX/2020 and extends through at least XX/XX/2020. If you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forebearance for up to 180 days. You also have the right to request to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You ( homeowners ) do not need to submit additional documentation to qualify other than their claim to have a Pandemic- related financial hardship. Millions have experienced financial hardship because of covid-19. The Cares Act provide many homeowners with the right to have all mortgage payments completely paused for a period of time. Shellpoint is violating all moriatoriums and executive orders by the president of the United States and all governors in the United States which is violating  my rights and also other homeowners that have mortgages with them.
Product: Mortgage

See CPFB Complaint # : XXXX. 

On XX/XX/XXXX, the company sent me the agreement for a deferment, as well as reporting the loan as current. ( See XXXX  XXXX ) Per the contract, {$16000.00} is deferred with the first payment of {$1300.00} due in XX/XX/XXXX with the next payment of {$1400.00} due in XX/XX/XXXX ( due to escrow shortage ). ( See SP XXXX, XXXX ) Multiple attempts to make a payment per the contractually obligated amount of {$1300.00} had been made. Shellpoint blocked me from being able to make any payment. ( See XXXX XXXX  ). 

On XX/XX/XXXX around XXXX XXXX, I called Shellpoint and was transferred multiple times over the XXXX minute call ( See XXXX XXXXXXXX XXXX 

I spoke to a supervisor, XXXX at Shellpoint, who said she was perplexed and confused as to why this was " reversed ''. She commented multiple times how there had been no notations left showing why this was the case and that comments are usually required. 

I was also told by XXXX the supervisor, that this was " escalated '', and that I would hear back from the point of contact - XXXX XXXX within 24 hours at the latest. 

To date, I received no response, no updates, and still have no way to pay my contractually obligated amount for XX/XX/XXXX, while my loan is being incorrectly reported as late/unpaid, instead of the contractually agreed upon - CURRENT stipulated and agreed upon by both parties. 

I've attached Shellpoint 's prior response showing all the details- the deferment agreement with consideration causing this to be a legally binding contract, the terms of the deferment that are legally binding, the block payment status on their site, the call log showing the duration of the outgoing call to Shellpoint as they made no attempt to inform me of them unilaterally revoking the agreement without reason or notice, and any other relevant info. 

I still maintain my original statement in my prior complaint - consumers need protection from such predatory and unethical behavior. This is a company deciding to go against a legally binding document, while attempting to foreclose in silence by way of their fraudulently deceptive practices of staying silent until the court foreclose even though we have a legally binding agreement. They refuse to accept my payment, and blocked me from being able to keep my end of the agreement. This is what corruption and fraud are- Shellpoint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 


XXXX  XXXX Account # : XXXX Inaccuracies : 1. Future Reporting Dates : o XXXX Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
3. Comments Conflict : o XXXX : " Dispute resolved ; reported by grantor. '' o Experian : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
4. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate. 
5. Two-Year Payment History : o XXXX and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o Experian indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
6. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification. 


The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my Experian credit report and I have found fraudulent accounts, XXXX XXXX with the account number XXXX opened on XX/XX/XXXX and XXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

Today, I found that my credit report contained accounts that should not be there, and I dont understand why. I checked it as I normally do, but unlike before, I noticed inconsistencies that appeared out of nowhere. I even refreshed my browser, hoping it was a temporary error, but the inaccurate accounts did not disappear. Because of this, I am asking for a detailed review of the documents Ive provided so I wont have to deal with this concern again.
Product: Credit card or prepaid card

My credit account was covered by NFCU P3 payment protection plan. 

The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. 

All correspondence goes to the same address with no direct delivery to a particular dept. 

I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. 

At one point they claim I refused to mail in the plan forms. 

NFCU is so big they quite literally do not have to concern themselves with problems that arise. 

I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.
Product: Student loan

My loan is from XXXX XXXX XXXX in XXXX XXXX, it used to be on XXXX XXXX but I guess they moved to mile of cars way. Interest is as high as 7 % and I can not use any of the credits I got there anywhere else, I still owe XXXX, I want some relief or a refund because this school is just not worth it, none of the teachers knew what they were doing. My loan used to be with XXXX XXXX but now it is with navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed some strange stuff on my credit report when I checked it on XX/XX/XXXX. There are accounts I didn't authorize, and I'm starting to worry about identity theft. Just to clarify, I was in XXXX  from XXXX to XXXX, so I definitely didn't open any accounts with XXXX BANK during that period. I've also attached the FTC and XXXX  reports for your reference.
Product: Money transfer, virtual currency, or money service

I opened an account at BinanceXXXX in XXXX of 2021. 
I funded the account with a XXXX XXXX transfer and exchanged some to XXXX. I then tried to ACh transfer {$300.00} to my account. This transfer showed in pending status for two months and now shows as settled. I even deposited another XXXX cash in my account. 
All my accounts are settled and in positive balance. But my funds are still blocked from trading or transfer. 
The Binance website sites that the accounts will be reactivated within 5 business days of payments settlement. In my case it has now been two months and all my ticket requests are going to the XXXX  .There is never a response from Binance XXXX 
Binance customer service does not exist
Product: Payday loan, title loan, personal loan, or advance loan

I have been using Uprova to get by for a while until I file for bankruptcy. Often I pay the loan back early and sometimes take a new one for a larger amount. 

I've never missed a payment on XXXX of their loans. They always advertise the ability to reapply for a new loan once I pay off the old XXXX. While approval isn't guaranteed, one would reasonably assume that previous approval on XXXX or more occasions, and my credit score going up wouldn't result in an abrupt change. 

I paid off the loan today in a single payment of about {$1500.00}, and once paid off, was told I could apply for up to {$2500.00}. I applied for {$1600.00}, and for the first time ever, was blanket denied... told I could have nothing. 

The reason given was number of credit inquiries, which is patent nonsense ... .these are predatory loans for people without many other options, and I had XXXX new credit inquiry recently - that's it. My credit score also went up XXXX points. 

I believe there is actually an ulterior motive for the denial - because I've frequently paid off my loans early, they've lost out on potential interest. So they no longer have Interest in providing a loan.