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

This is a follow-up complaint to a previously filed complaint. I have a hard inquiry on my report dated XX/XX/XXXX which I did not authorize, nor initiate. They claim they received information via their website to run my credit- I did not authorize anyone to use my identifiable information to apply for credit ( but at the time members of my household did have access to said information ). The company ( DT Credit ) claimed to have spoken with me on 3 separate occasions regarding this ( false ) inquiry, namely on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I pulled my call logs from my cell service provider, as proof that this was false and the only call that happened was on XX/XX/XXXX, when DT Credit placed an incoming call to me, where I informed them I did not apply nor want credit and the call was a mistake/they had gotten me confused with someone else ( my name is extremely common- perhaps a faulty XXXX on their part ). I thought NOTHING of it, especially since I NEVER HEARD FROM THEM AGAIN. DT Credit claims they spoke with me again ( after the initial phone contact on XX/XX/XXXX ) on XX/XX/XXXX and XX/XX/XXXX. This is a flat-out lie. I have my call logs proving the ONLY time we spoke was on the initial contact where I told them the aforementioned. On XX/XX/XXXX I had only 3 calls total, all out-going to family/friends. On XX/XX/XXXX, I did not even have a single phone call, period. I will attach that record to this claim as well as their response to my initial complaint. This is extremely egregious and nefarious behavior on their part- lying to a government agency as well as a U.S. consumer. They seem to say anything to cover themselves in the event they mistakenly let something slip through the cracks. 

They also claimed in their response letter that they have been UNABLE TO REACH ME. ANOTHER LIE. They called and wrote me an email. I responded to the email, stating I did not wish to discuss matters over the phone because I want all correspondence regarding this matter to happen in writing so that they can't change their story after the fact. DT Credit responded and said they would not be doing so due to privacy concerns and would instead respond directly to the complaint I filed with the CFPB. I will be attaching that email correspondence as well.

Now I am expanding my complaint to include the following : 1 ) I wish to know why DT Credit claims they spoke with me on 3 separate occasion in XXXX ( at my number ), when they only spoke with me once ( when I told them it wasn't me/this was a mistake ). Why lie about having spoken with me on XX/XX/XXXX and XX/XX/XXXX? 

2 ) I wish to know why DT Credit claims they were unsuccessful in reaching me to discuss this matter, when I have proof of our email correspondence to the contrary? 

3 ) Again, remove the hard inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and a data breach. I have inquiries on my credit report that were not made by me. I did not apply for credit from any of these companies listed below. 

XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchase a XXXX. The car is paid up. Hyundai wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that Hyundai is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward Hyundai sent information to XXXX and XXXX that I was 2 years and four months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with Hyundai since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. Two payments in XXXX, XXXX payment in XXXX and two more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX My credit score was XXXX XXXX and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.
Product: Credit reporting or other personal consumer reports

Experian is reporting an inaccurate bankruptcy on my credit report. On XXXX Experian responded to the CFPB that they provided a reinvestigation in the information is accurate. I received letter from data supplier stating experian failed to respond to dispute.How is the information accurate if experian failed to respond to multiple disputes with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states " I have the right to privacy ''. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Money transfer, virtual currency, or money service

Approximately XX/XX/XXXX, I tried to use Transferwise to transfer funds of about {$150.00}, to a student in XXXX who is in his last year of college. I have been supporting him so that he can finish and get his degree in Mechanical Engineering. He and I have had an on-going friendship for over a year and I am comfortable with his truthfulness. I feel like I am his mom. We text on a regular basis, and he never has asked me for more than he absolutely needs. In fact, he does not ask at all ... I just send him a little money whenever I wish to help him out. I anticipate no longer needing to send him any money after he graduates in XXXX. I have no doubt he will be able to secure a job. 

Now, I find I can no longer send him any funds and this breaks my heart. There is also a XXXX year old boy in XXXX that is an orphan and lives is an orphanage in XXXX. I have been helping to pay his tuition for the past 2 years. He wishes to become a doctor. He is highly intelligent and I want to see his dreams fulfilled. I am so proud of this teen. 

But, I am barred from sending him any money also. This is not right. The funds are MY money. I don't need the government to " save '' me from myself. 

I am not, nor are the people I support in XXXX, money laundering. I have vetted these young people and am comfortable with their truthfulness. I am extremely careful with whom I make friends with. I want to be able to send them funds for as long as its needed, or at least until they have finished their educations. 

I am requesting your help in this matter. 

Thank you
Product: Credit reporting

I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information.
Product: Checking or savings account

i was scammed by my Realtor, XXXX XXXX XXXX, he make me send a wire transfer ( and he said it has to be wire ) for a home purchase, as soon the wire arrived to him, he blocked me from XXXX  and now its gone. 

i hired a lawyer and submited an XXXX case, now i know he is a well know scammer and scammer other people also. 

inside the attached XXXX claim, you can see the 2 disputed wires, scammer 's data including his SSN and driver 's license. 

i have the chats from him as evidence, now he is gone with my {$60.00} usd
Product: Debt collection

Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an XXXX XXXX account for XXXX furniture with XXXX  bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at XXXX bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.
Product: Debt collection

I purchased a furniture set from XXXX XXXX  and financed it via Syncrony Bank. In my error I paid this account in full twice, once through my bill pay which I forgot I put it in there to be paid off and then I received the statement in the mail the next day and called in the payment in full, When I realized I paid this account twice in full, I immediately called my bank XXXX XXXX, my bank then told me they could not stop either payment but they would give me a temporary credit until I receive a refund from Syncrony Bank. Well, it was an absolute NIGHTMARE! attempting a refund from Syncrony Bank, it took many many calls and three way calls with my banker. Months later I did receive a refund check from Syncrony Bank, at that point I deposited the check and my XXXX XXXX Bank reversed the temporary credit I received from them. Months later I then start receiving statements from Syncrony Bank stating I owe this account, it was never paid ( Not only was it paid it was paid twice in full and NEVER late ), thus began my nightmare of the last year fighting them that I do not owe this money : my Banker has talked with them telling them I do not owe this bill, I have sent them my bank statement showing I do NOT owe this bill, I also sent them my statement I received from XXXX XXXX reflecting a XXXX balance. I also, spoke with XXXX XXXX and they confirm I do not owe them anything and my account has been paid in full. I Have placed many many many long and frustrating phone calls to Syncrony Bank in which I get no resolve and I am met with very Nasty customer service representatives!!!! I have had some say " oh yeah I see this was paid in full, not sure why you are receiving statements ''. Syncrony Bank turn this in to my credit as a debt collection, which I received NO notification they were doing! I have filled a dispute with the Credit Bureau, providing them my bank statements reflecting I paid this account twice and it reflects my eventual refund from Syncrony Bank, I also provided them with my XXXX XXXX statement showing a XXXX balanced. This has truly caused me great anguish and stress!!!!
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 claim adequately.They informed me that recovering lost funds were 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my credit score, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXX XXXX Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Debt collection

I applied for a mortgage for a rental property and the fellow that i had worked with on a couple properties in the past 3 years informed me that there was a unpaid debt in collection. This was lowering m y credit score  which might cause a higher rate. He gave me the name of the collection company and the  XXXX   XXXX  number.     I called them and they asked for a letter, which I sent to them. A week later i received a letter from them that collection efforts would seize and it would be removed from my credit report.     A week later I received a call from a different collection agency for the same bill. To say that i was irritated is an understatement. Over the past couple weeks I have argued with at least 20  XXXX  representatives.     They want me to get notarized statements and fax them the info.     Why should i have to pay out money for their mistakes. I told them the y may  have a policy, but my policy is to not pay for their mistakes
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX- I sent my complaint letter to Binance, in which I clearly stated how the scam has affected me personally, psychologically, and financially. I received no response after sending dispute letter, rebuttal letter and follow-up letter. 
Commencing on or around XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), It should be noted that one of the companies, happens to be a client of Binance, and owner of wallet : XXXX XXXX Money was transferred from my XXXX  wallet in the amount equivalent to XXXX ETH at the instructions of the scammers utilizing Binance services and authorization. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
Binance could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client was an active participant in the movement of my money, which eventually ended up with the Company, Binance has not exercised its duties to identify this suspicious scheme in a timely manner.
Product: Checking or savings account

I opened a checking account with KeyBank on XX/XX/2022 using the {$200.00} welcome bonus offer. I completed all the requirements and should get my bonus within 90 days. But I haven't gotten the bonus yet. I called customer service and they told me I should get my bonus on XX/XX/2022. I called the customer service again on XX/XX/XXXX and submitted a Ticket. The customer service told me that it would be resolved within 10 days. But it has not been resolved yet.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself. KING CRE SRV account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done an attempt to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( KING CRE SRV XXXX )
Product: Vehicle loan or lease

XX/XX/XXXX When my contract for my new vehicle was opened. 
I Traded In My Old Vehicle ( Which Was A XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX was {$4000.00} and I Only Got {$2000.00} For A Trade In. Which Was Unfair Pricing. 
-Over Reading My Contract I See That My Consumer Rights Were Violated -15 Us Code 1605 - States That There Should Be No Cash Included In A Financed Charge And The Dealer Knowingly Charged Me A Down Payment -15 Us Code 1602 ( L ) - States That My SSN and signature was used to complete this credit transaction meaning the card was already paid for. 
There are a couple more violation in my contract as well.
Product: Debt collection

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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. The list of Collections below should not be 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/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt Collector : TRANSWORLD SYSTEMS Last reported XX/XX/XXXX Amount : {$4500.00} Original creditor : XXXX XXXX XXXX XXXX First reported : XX/XX/XXXX I never received a bill or did anyone attempt to contact from the hospital or a letter from Transworld Systems when they purchased the debt. The first time I became aware of this debt it was on my credit report and already in collections. 

I called in XXXX and requested an itemized bill of the services, as well as evidence the bill had been sent to me, with no response. 

To be clear, to this day I have never received a bill or notice of debt from either the hospital or Transworld. 

XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I was approved for a modification through Wells Fargo. I was going through a traumatic divorce and they knew it. They were provided a quit claim deed and draft divorce in XX/XX/XXXX. I made my payments on time on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. In XXXX, Wells Fargo cancelled my modification without allowing my to finalize. They later stated that I had refused to have my ex-husband sign, which is false. My ex-husband refused to sign stating he had signed a quick claim deed and the house was awarded to me on XX/XX/XXXX. I also had a protective order against him because he was trying to kill me. Wells Fargo also stated that I have not provided the documentation required even though I had emails proving that I had. They forced me to open a new modification request, denied it in XX/XX/XXXX. I pursued escalation and they opened another request and approved. I made my trial payments again and am awaiting finalizing. I have asked that they correct my credit report to show I made my payments and to correct the damage their actions caused.
Product: Mortgage

I have been trying to finalize a mortgage modification since XXXX 2014 with Chase Mortgage from filing a chapter XXXX bankruptcy. Chase has filed my home in foreclosure after telling me numerous time not to make payments and then make payments to only certain representatives. I had to come up with funds to pay to get it out of foreclosure due to their specialists advice to me on how to make payments. They keep asking for a Quit Claim Deed of which XXXX XXXX no longer allows to be filed. I was told that I had to draw up the document and get my Estranged Ex Spouse to sign it and file it to submit to them. After telling them the judge in my divorce hearing said I only had to file my recorded decree at the county to show ownership of the property. Their specialist called XXXX XXXX Clerk to confirm this, and then called XXXX XXXX XXXX and they said they do accept Quit Claim Deeds, she informed me to go file it in XXXX XXXX? My property is in XXXX XXXX?? After numerous attempts we finally got a trial period set up. I was told to make a payment once I signed the documents to only find out I was kicked out the trial period because of making that said payment. I filed a complaint and they arranged for another trial period. Now I have made the payments on time, and now no modification documents. I am being asked for the same documents required for the trial period. My recorded divorce decree has been on file with them since XXXX 2014. And they are asking for a Quit Claim deed still?? I believe Chase and its investors are just trying strategies to take my home for resale value. I was told once you come out of a trial period, the modification documents should be drawn up to process and sent out to me. That is not happening with Chase. No one can tell me why its taking so long - just either to make the trial payment. And then others say not to make the payment to hold off. The same scenario over and over - NO one knows what they are doing at Chase Mortgage. I am so frustrated at this point. The Escalation managers call you back only to say they will find out what is going on and investigate. Last year after investigating all they sent me was copies of letters that were sent to me regarding my payments. But never sent me the Recorded Line conversations with their specialists giving me the wrong information. Now every conversation I let them know I have their names and dates of every conversation. Today I was told they will go back and listen to the last week conversation of specialist telling to make the trial payment even though the modification documents had not been processed. And then turn around and say hold off on doing so, because if I make the payment, it will only go into a suspense account and be applied to the principal after the modification payments are made. So I would be making payments back to back without a 30 day break. So I went ahead and made the payment today - and finally my specialist calls me back after numerous messages to inform me that it is still in process and holding due to my ex spouse name still on title????
Product: Debt collection

The Statute of limitations expired after 4 years, this is now 8years ago.