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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The Chase charge off that's on my credit report. I had my attorney send letters asking them for the original application for that account showing that I personally guaranteed for the XXXX Credit Card, banker stated to me it was a no XXXX XXXX credit card. The bank did not respond back to what we had asked for.
Product: Credit card

I have been disputing multiple charges for my purchase with Lowes last XX/XX/2023. The charge amounting to {$1600.00} was not accurate, as I was overcharged by {$1200.00}. I have already provided my receipt which clearly shows the difference between my balance due and what was charged to my credit card, but Synchrony has repeatedly rejected my dispute without any explanation as to why my documentation was not accepted.
Product: Credit reporting or other personal consumer reports

Supporting documents to remove inquires 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 : XX/XX/2024 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 a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting

Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.
Product: Mortgage

I notified Mr. Cooper mortgage on XX/XX/XXXX to obtain payoff amount as I am selling. I was subsequently sent 6 different payoff quotes over the next 2 weeks back to back. My principal balance was {$32000.00}. Lender paid expenses were initially {$1100.00}. I began to receive payoff information back to back, and the principal stayed the same and my Lender paid expenses jumped to {$8900.00}. This company has had my mortgage for less than 2 years. 
I contacted them and was told on 3 different occasions that they don't know what the fees are for. One woman told me it was for the payments deferred for the Covid forebearance. They also stated they adjusted the dates for the time the forbearance began, which was XX/XX/XXXX. They back dated the start date to XX/XX/XXXX. I never contacted them for forbearance program until XX/XX/XXXX. 
Mr. Cooper support woman stated they " probably added the months of forbearance to lender expenses. They simply multiplied my monthly payments times 12 and added it to my payoff, which isn't correct as I only had the forbearance for 6 months. This brought my payoff amount from {$32000.00} to {$41000.00}. They informed the title company handling the sale of my home payoff is now over {$42000.00}. This is theft. I was advised they will also be keeping my escrow balance of {$2000.00}! Mr. Cooper is a predatory lender who bought my loan. There is no way they should be allowed to add {$10000.00} to my payoff.
Product: Credit card

I recently opened an account with discover and it's displaying inaccurate XXXX credit information because I just turned XXXX not too long ago as it reads I have XXXX credit accounts, XXXX installment loan, XXXX balance on of the accounts, XXXX missed payments in my credit history and XXXX years of credit when XXXX years ago I was under the age to use credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into the PHH MORTGAGE SERVICES IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( PHH mortgage services ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But PHH reported the credit to the agencies. 

I feel I have been wrongfully serviced by PHH during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I realized that someone had been sending themselves money out of 3 of my savings accounts by XXXX to XXXX XXXX. I have NO IDEA who this person is. I obtained email XXXX and phone # XXXX from online fraud department at Wells Fargo as being added to my online banking account WITHOUT my authorization & that is how they gained access to hack into my accounts and send themselves money. I DID NOT get an alert from Wells Fargo when someone added their phone #, and then they sent themselves {$15000.00} in the following transactions. 
XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00} XX/XX/XXXX - {$2400.00}. I found these on XX/XX/XXXX and called Wells Fargo XXXXMMEDIATELY to report the fraud. The last one for {$2400.00} was still pending, and they said they could not cancel it! They closed my 3 savings accounts & created new ones, and the {$2400.00} was posted to the new account on XX/XX/XXXX! 
Wells Fargo has DENIED my claim because they said it came from a " local ip address '', which is what HACKERS DO!! They hack into someone's computer and commit fraud.
Product: Debt collection

The company reported an unsubstantiated debt to credit reporting agencies which adversely impacted both my credit and a financing application giving rise to damages of higher interest rates. 

The company failed to properly substantiate their clients claim of a debt owed. I in fact do not owe their client anything ; their client owes me several hundred dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.
Product: Debt collection

XXXX XXXX XXXX first called obsessively between the months of XXXX and XX/XX/XXXX. I finally picked up and told where the debt was coming from in the mist of trying to settle debt and make accommodations I was asking for information in regards to giving out my information and I expressed how I never heard of a debt collector that doesnt track there payments. The insist that I make the payment over the phone but I told them I didnt have the money to make the payment I was in the mist of still looking for jobs as a dental assistant and only finding work 3 or 4 days out the week making $ XXXX. I expressed to them my financial situation and they didnt believe that I made $ XXXX {$400.00} a week. The manager got on the phone by then stating I was begin rude because I was upset already from venting my financial situation and them not believing me, I was going through a financial hardship and the time and which was also expressed and they didnt believe me. The manager got on the phone and threaten to send my bill to collections which they did XXXX
Product: Debt collection

I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contaced XXXX XXXX who I had an account with for the past XXXX plus years for cable. I returned the equipment and advised that I was moving out fo the area to a XXXX XXXX XXXX. XXXX has been harassing me for the past two years selling what they percieve to be a cancellation fee of {$260.00}. I did not have a contact with them it was month to month over many years. The community XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I am XXXX years old ) has cable through our XXXX monthly fees. We do not have an opt out. XXXX is not in our area and their is no ability to connect and I would pay XXXX for cable if I did. XXXX has sold this supposed debt more than XXXX times, I have successfuly fought it each time through XXXX and through letters to the debt collectors but once again they are hounding me and had my credit score go down XXXX points from an XXXX  score to a XXXX  score as of XXXX XXXX. In XXXX  they affected my credit score unjustly as I was purchasing a home. I ended up paying higher premiums for homeowners and car insurance. The current company is Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).
Product: Credit reporting

I notice on my credit report XXXX experian and XXXX has bankruptcy information reporting on my credit report which is not make for public
Product: Vehicle loan or lease

In XXXX the lease on my BMW XXXX ended. I went to the dealership to lease a new vehicle however my credit score was low and I missed TWO payments on my previous lease so allegedly BMW Credit denied my lease application. I ended up buying out my lease and entering into a traditional car loan at 17 % interest. I was advised by the Dealership that the interest rate is determined by BMW credit, however when I contacted BMW credit I was advised that the dealer sets the interest rate. Additionally at the end of my lease I had {$3000.00} in charges left to pay however to this date I have seen absolutely nothing on paper itemizing those charges. Everything has either been verbal or just some numbers written on a piece of paper. 

I feel that BMW Finance and BMW of XXXX XXXX, MD took complete advantage of me.
Product: Credit card

I have an account with Amazon and using it sometimes when I buy something. 

Prime Store Card Account ending in XXXX {$320.00} Current Balance But someone opened an additional credit account and bought something CARECREDIT / SYNCHRONY BANK Account ending in XXXX {$1600.00} Current Balance And the company ask for Register this account but I didn't do it and for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A : States that I have rights to privacy. 

15U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States that a consumer report should not include information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

I filed this complaint and the company made an insufficient response and the case was closed inappropriately. 


I am signed up for Wells Fargo XXXX XXXX and the company continually sends my account negative despite the funds being readily available in my savings account. The company claims this is due to their system being unable to always recognize the SCHEDULED direct deposits from my employer. Because I of this fault in their system the company will show available deposits as early as Wednesday but they will then change my account to negative overnight on Thursday before then switching it back to positive on Friday because now the deposit is completed. 

The issue is that this does not align with their own policy. This is not a free service to my memory and they set the policy and they are the ones breaking it at my expense with no apology or regard for the damage caused. Being that Wells Fargo has a history of being predatory towards its own customers I can only imagine how many others deal with this issue.

Per Wells Fargo website : Help Avoid Overdrafts with Overdraft Protection Set up optional Overdraft Protection to avoid the inconvenience of declined transactions and overdrafts. 

You can link up to two eligible Wells Fargo accounts ( one savings, one credit ) to authorize or pay your transactions if you don't have enough available money in your checking account. We will transfer or advance available funds from your linked account ( s ) automatically to cover your transactions. 

XXXX XXXX covers most transaction types including, for example, ATM and debit card transactions, checks, XXXX XXXX, and recurring electronic payments. 


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

It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan through Mariner Finance while stationed in SC. I was needing funds for a lawyer and child custody case. Upon receiving orders to Louisiana I was informed of SCRA protections to lower interest rate to 6 %. Upon leaning this I intuited communication with the branch and they stated they did. It have to honor any law from Louisiana because they were in South Carolina. But being that there are Mariner Finance locations all around the country including Louisiana they should honor the SCRA protections afforded service members.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 



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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. Equifax is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.