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

In XXXX of XXXX I purchased a XXXX smartphone from XXXX ( directly form them online as opposed to going to a XXXX store ) and signed up for the XXXX payment plan ( XXXX fixed payments of {$54.00} XXXX. The phone was supposed to be paid off after the last payment in XX/XX/XXXX. Then I noticed ... a couple of months later that TD Bank ( the bank servicing the credit account for XXXX? ) keeps drawing $ XXXX XXXX XXXX/ month ( the amount varied ) when I called TD Bank in XXXX of XXXX to ask why they keep taking money from my account the person on the phone said something about some back fees and that I was actually paying for 24 months slightly less than what I was supposed to ( the payments were not up to my discretion - they were set with XXXX 's offer and I agreed to pay a fixed payment of $ XXXX month -- when you do the math those XXXX payments of {$54.00} were the cost of the phone ). As the amount was about {$200.00} and I was not interested in trying to dig out the papers from XXXX I offered the person on the phone to pay this amount at once and be done with it. She was firm that this can not be paid off over the phone and I will need to make an appointment at a branch of TD Bank to get this resolved. As I was not able to do that I decided to keep paying it off until today when I saw my annual credit report and saw that the {$200.00} balance is now at {$220.00} somehow even when I pay it off it increases ( BTW the payments of $ XXXX month were not authorized nor defined by me ). I called again and escalated the matter to a supervisor which after being threatened with me contacting the CFPB said that the account can be paid over the phone and can be closed over the phone. I think that there are more people like me that are being taken advantage of and I am interested in you investigating the matter and eventually refunding me the hundreds of dollars I was overcharged for. 
XXXX XXXX XXXX
Product: Mortgage

I was forced to move to another state. House didnt sell prior to move. I fell behind on the payments, couldnt pay for two households. House went up for sale and was under contract to be sold on XX/XX/XXXX. This got pushed to XX/XX/XXXX. A payoff was ordered and it showed a per diem rate to be paid. That per diem rate was calculated and added. The payoff in the amount of XXXX was sent overnight mail to Midland Mortgage . Midland confirmed receipt of the check on Thursday XXXX. I asked them on XX/XX/XXXX if the account would be closed out and if everything was good. They told me yes, its processing. I called twice on Friday XXXX. Late in the afternoon on XXXX, my real estate attorney receives another payoff with about XXXXXXXX XXXX  in charges. These charges were, from what I gather, to deal with a full foreclosure sale. However, they just referred my property for foreclosure on XXXX w/o telling me. I told my attorney, I dont owe any XXXXXXXX XXXX  corporate advance, XXXXXXXX XXXX  anticipated restoration fees, and XXXXXXXX XXXX  in other charges. Furthermore, the lender told me that I was paid in full and everything was processing. Although, they refused to show me any information and my account was blocked online. I proceeded to call twice on XXXX, and I spoke to XXXX the Foreclosure Hotline supervisor and he tells me that everything is fine and that the check is processing. I called on XXXX to check on status and a lower level employee tells me that its processing and it will take 10 business days. He also tells me that I have to pay lawyer fees. I had enough at this point! Telling me this information today, after asking over and over. I was transferred to a supervisor and she refused to give me any payoff information. I was called by XXXX and he tells me the fees are legit. I said what inspection am I paying for! He tells me an inspection that happened in XXXX of XXXX. This is crazy! Then he tells me if you want things in writing, send us what you want in writing. I then called their foreclosure attorneys and I was given even more ridiculous info for all these anticipatory charges. I was told Midland has to cover what can happen between today and XX/XX/XXXX. Im confused what can happen?!?!??!!! There is a family already living in the house, the lender was paid in excess of XXXX, and theyre acting like there are still grounds for a foreclosure! They are trying to steal XXXXXXXX XXXX  based on some strange reasoning. The attorneys accountant says if they dont use the money, they will send it back. Why am I sending money for such a reason, when a sale occurred and they have received a significant amount of money! The lawyers office continues to harass my real estate attorney asking for XXXXXXXX XXXX!!! I can not believe they are so hard up for money that they have to scam XXXX . Im paying for anticipatory restoration!!! Are you serious! The house is sold, what are you restoring!!!! This is an FHA Loan. There has to be some violations on the so many levels with this.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. EQUIFAX HAS A BREACH I WAS AFFECTED BY AS WELL AS XXXX AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXXXXXX XXXX {$26000.00} Date Opened XX/XX/year> 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 at XXXX I called Equifax and spoke with agent ID XXXX XXXX for approximately 1hr and a half hours. I seen that Equifax admitted to a data breach so i was wondering and having concerns on how such thing could have happened. So I read Equifax Data sharing policy ( Exhibit A ) and per there policy I requested consent documents from there initial investigation, Per there policy upon a specific Inquiry or concern by me the consumer, on a XXXX XXXX and a XXXX account being furnished on my consumer report. Agent ID XXXX XXXX was deceptive, untruthfully, and discriminative, towards me and refused my request. I was then transferred to XXXX agent ID XXXX who was also very deceptive, fraudulent and untruthful. I was discriminated against. I requested consent documents per there data sharing policy and was told he would not provide such documents and I asked why and was told he would not provide said documents. I asked who do i have to speak with to request said documents and was told he would not provide said requested consent documents per Equifax Data Sharing Policy ( Exhibit A ). I then asked does this policy not refer to me as well or does it apply to other people, and i was told he would not honor my request and hung up on me. I called back and spoke with XXXX agent ID XXXX and repeated my request and was hung up on again. I was humiliated, discriminated upon and denied the same liberty that others have under there policy. As i called back again and was hung up on.
Product: Mortgage

In XX/XX/2005 I was sold 2 fraudulent mortgages by a Bank of America Mortgage Broker XXXX XXXX XXXX. The primary loan was in the amount of {>= $1,000,000}. The HELOC was in the amount of {$250000.00}. I was told by XXXX XXXX that my loan was considered at that time a jumbo loan and that the type of loan he was providing me was the only type of loan offered. At that time, I had no reason not to believe XXXX because he had sold me a conventional loan of $ XXXX for a property I was selling. XXXX told me that my payment would be {$5000.00} a month, the exact amount of my net pay and that I would have to live off of my husbands income. I agreed feeling I had no choice. In addition, the appraiser that for the property I was purchasing was sent to me by XXXX XXXX XXXX citing this was his friend and he was doing many appraisals for him. This appraiser was subsequently prosecuted and incarcerated in Connecticut for Fraud for over inflating the values of homes. Subsequently, about a month after I closed, I received my first mortgage bill. However, the bill did not read {$5000.00}. The bill gave me a choice of payments amounts, either {$20000.00} a month, {$15000.00} a month, {$10000.00} a month or {$5000.00} a month. I immediately called XXXX and he said Dont worry XXXX, as we discussed, you are to pay the {$5000.00} a month. What ensued was the face amount of my note increasing each month until it ballooned up to nearly {>= $1,000,000}. When President Obama came into office, he deemed these notes to be FRAUDULENT and ordered the Bank of America to rewrite my loan. The Bank of America, rewrote the loan to nearly double the payment amount to over {$9000.00} a month. My home is now in Foreclosure because of what XXXX XXXX XXXX and the Bank of America did to me. I am a mother to XXXX young children and will be without my home. Bank of America according to the State of CT. Department of Banking , sponsored XXXX XXXX XXXX NMLS License to be a Mortgage Broker. XXXX XXXX to this day continues to work under this license.
Product: Vehicle loan or lease

The manner in which BBVA handles the last payment of auto loans is anti-consumer and borderline fraudulent. This is probably true for the whole crooked lending industry. 

For the entirety of the my loan, I have never missed a payment. This was due to the convenience of having an auto-payment set up through my checking account. Then comes the last payment, and the auto-payment stops. About two months later I noticed that my credit score had dropped 120 points due to a past due auto loan payment! I am thinking, " This should be payed off! How could it be past due?! I had auto-payment set up! '' Turns out the last payment can't be made with an auto-payment. You have call in ( which is going to take an hour, at least, out of your day ) and make the last payment " manually. '' So, me, relying on my auto-payment to finish off my loan, missed this for over two months, until I noticed my score drop on XXXX XXXX. No call or anything from BBVA. I called them, waited over an hour, and finally got it paid off, at the cost of 120 points of credit score. 

The reasoning they gave me was muddled and non-sensical. All I can see is that this is designed to : 1 ) Add complexity to something that should be simple, in order to garner more late fees for profit 2 ) Intentionally lower consumers credits scores so that they have to pay higher interest, longer-term loans to fill these lenders pockets even more Considering the current administration, I doubt anything will be down about this, except to make things worse for consumers. But it at least feels good rant about it to the government.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> ChexSystems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Dispute of Reported XXXX Account and Related Inquiries Dear XXXX, I am writing to formally dispute the information regarding a closed XXXX account that is currently being reported on my ChexSystems report XXXX This account has an outstanding balance of {$42.00}, and its inclusion on my report is preventing me from being able to open any new bank accounts. 

The charges reported on this account were the result of fraudulent activity that occurred while I was hospitalized following a serious medical incident. I was in the hospital for over XXXX  days, and during that time, unauthorized transactions were made on this account without my knowledge or consent. 

I request that you conduct a thorough investigation into this matter and remove the reported XXXX account from my ChexSystems report, as it is causing significant hardship and hindering my ability to access necessary banking services. Additionally, I request that you review and delete any related inquiries associated with this account that may also be impacting my ability to open a new account. 

Please investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate information on my consumer report. If this XXXX account is verified as inaccurate or outdated, I respectfully request that it be removed from my report. 

For your reference, the account in question is identified as follows : Account Name : XXXX Account Number : XXXX Balance : {$42.00} ( Outstanding ) Date Closed:XXXX I also request that you consider the nature of these fraudulent charges and the circumstances of my extended hospitalization. If the account is found to be the result of fraud, I ask that it be treated as such and removed from my report entirely. Please let me know if you require any additional documentation, such as hospital records or fraud reports, to substantiate my claim. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that the inaccurate information has been corrected. Please notify me in writing of the results of your investigation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters. 

PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.

Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.

PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.

The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.
Product: Debt collection

I am a victim to of identity theft. I have never done business with these companies. Multiple companies are reporting the same debt to different bureaus. I have never authorized this company to use my name or likeness in any manner. I never signed a lease agreement. 

I request these fraudulent accounts be removed immediately.
Product: Credit card or prepaid card

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Mortgage

I am currently trying to refinance my home mortgage. I have a 2nd mortgage through Wells Fargo. I need to get my loan payoff amount. 

When I go into a branch they tell me that they do not have that information and can't help me get it. They tell me to call the phone number. 

When I call the phone number I am placed on hold for several hours and then hung up on. I have tried several different numbers. 

I have been trying to get this for the last three days. The loan that they have from me is a very high interest loan and would be in their best interest to not help me get rid of it. This seems like a stall tactic to get their loan on the books. 

All I want is the payoff amount. Please help me.
Product: Debt collection

Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is an emergency, because for this is my only income ( Social Security Retirement ) and I depend on to pay my bills at the end of this month. 

No one else had access to the card. 

Debit Card stopped working on XX/XX/XXXX. 
I attempted to reach out to the company ( Direct Express ) on XX/XX/XXXX and was initially unable to connect with the customer service. Numbers provided to not accept calls from abroad ( including international line ). 
With the help of my nephew, I connected with customer service through VoIP ( local number ) and was able to contact a representative on XX/XX/XXXX. They informed that the card was suspended for fraud suspicion, and that the issue would need to be resolved by a level 2 technician. They transferred the call and no level-2 technician ever responded. 
I attempted to contact service representative again, and 3 times over, no one from level 2 picked up. 
Upon further attempts, the line would disconnect automatically upon entering my Social Security Number and was unable to contact a service representative. 
I There are no further options to contact the company.
Product: Credit reporting, credit repair services, 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. 


DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began conducting business with Lexington Law in XXXX of XXXX  and my services were cancelled in XX/XX/2021 by Lexington Law. The final 3 months of services were not fulfilled on their behalf. As a result, when I contacted Lexington Law recently, I was notified that I owed them {$300.00} for services which were not rendered. 

During the final 3 months of services, I never received communication in regards to the services that were provided and there were no updates made available to me in the form of verbal or written communication.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but 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 and privacy.
Product: Checking or savings account

MY name is XXXX XXXX, key bank denying me of my civil rights. releasing my own personal informaton. then to be discriminated against by the branch manager XXXX XXXX, and refuse me again my personal account info when asked why she said that there where fraud charges against me and block on account, she was already aware, that I XXXX XXXX put the claim into the fraud department, and put the block on account because XXXX XXXX had me go to the branch sign a form on XX/XX/2020at XXXX XXXX branch XXXX releasing my account to the fraud department, because that account has a XXXX balance she asumed and made me feel like i was some broke poor XXXX but she failed acknowledge to see i have 4 other accounts with substantial funds. XXXX XXXX said go to fruad, fraud defferd to XXXX XXXX and branch ... .which still led to me being deprived of accessing my account ... I made further complaints to XXXX from keybanks executive office on XX/XX/2020.. I have numerous internal investigations againt keybank being  done by themselves, upon doing so they were then forced to give me my own personal bank info, on XX/XX/2020 at the end of the transaction my wife and I were then notified as were leaving by the LEAD TELLER XXXX XXXX ... that all of out accounts will be closed by XX/XX/2020 ... what powere and authorization does a lead teller have? when we said the other account we have issues with have nothing to do with our personal accounts how could they do that..she in return said were you open your account you sign it in your contract, so she is basically telling me that i have 1 business day to find a new bank to put our life savings in ... when they keep telling us that ... we are valued customers and there sorry that where being treated like this andthey will get to the bottom of this, but in the meantime there putting us through more and more ... the lead bank teller XXXX said by tuesday if we dont take our money out of our accounts then they will be closed no matter what and they will mail us checks out for our money ... then we go to police station to file police report with officer he then gives us a report ... .that barred and forbid to enter or call any KeyBank National Association properties ... so once again they are holding us from our civil rights ... and withholding our hard earned money and life saving. i should be mourning my mother and now i have to fight for whats rightfully right.. and still we have no rights ... ... .. 
Number 2 ... .... 
THEY NEED TO BE ADBDICATED ... BECAUSE THAT BRANCH IS COMPROMISED BECAUSE THAT BRANCH IS SYSTEMICALLY INCLINED TO OPPRESS XXXX XXXX PEOPLE FROM A DEMOGRAPHIC STANDPOINT THAT WE ARE PEONS IN OUR OWN COMMUNITY, SO THERE MENTALITY IS CONDECENDING, ANDWHEN YOUR IN A POSITION OF CLOUT YOU HAVE OPPORTUNITIES TO BE OPPRORTUNISTIC ... ..AND THAT XXXX AND IT STARTS FROM THE TOP
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate fraudulent and inaccurate information on my credit report. They are in violation of the FCRA. I have tried to dispute these items online to no avail.