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

I received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.
Product: Checking or savings account

On XXXX, 2023, I opened an IRA CD with Synchrony Bank using a rollover. Not realizing that the " single '' rollover rule applied, I sent 2 checks. The first check was deposited but the second check was deposited into Synchrony Bank but not applied to the new IRA CD. 

I have repeatably requested that the second check amount of {$30000.00} be returned. The bank has not done anything to get my money back. I have received no correspondence regarding this money. 

I have emailed XXXX XXXX a SVP at the bank twice but still no money. I believe that the bank has engaged in a float of my funds. They deposited my check on XX/XX/XXXX, even though it was never applied to my account. They wrote me a letter dated XX/XX/XXXX and mailed it to me. I received it just a few days ago, but it contained no information as to how and when the refund would happen. In fact, if they had reached out to me by phone or email, I would have told them to put the {$30000.00} in a regular CD.
Product: Debt collection

XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?
Product: Credit card

I have been using PayPal XXXX XXXX card for over 20 years with my bank account as a funding source. PayPal has decided as of XX/XX/2023 to discontinue your bank account as a back up source and is requesting the consumer to deposit money in your PayPal balance to use the card. This is forcing the consumer to add funds to PayPal so they can collect interest on your money which is a great inconvenience to us consumers and proves the greed that exists at PayPal. I do not trust PayPal with my money and therefore using a bank as a back up is more safe for the consumer. PayPal clearly does not care about their customers and only wants your money to benefit them. I want to file a complaint against them and have them investigated for bad business practices. Forcing customers to add funds to their PayPal account to be able to use this card should not be allowed. The card also offered cash back which PayPal is not disclosing will end due to this change. We entered into this cash back program in good faith and PayPal is ending the program without any disclosure.
Product: Debt collection

I bought a camper in truest was the loan holder. After a multiple attempts of trying to sell it and was unsuccessful I made a tough choice to do a voluntary surrender and I spoke to them. They said they would pick it up sell any auction and send me a an amount XXXX XXXX. I agree to that. It has gone to auction three times now theyve decided not to accept the amount, so the fourth auction is set, but in the meantime, the amount keeps rising and rising, and the reporting late payments to my credit bureau when in fact, they shouldnt be reporting it to my to the credit bureau because they are the ones that chose not to accept the amount That was offered and to settle the loan instead every month my credit score that I worked hard on and had to make this tough decision. Had I known that wouldve been my outcome I wouldnt have even done that. I wouldve kept it and tried to sell it myself and used it since Im still responsible for the full amount and the monthly payments
Product: Credit reporting, credit repair services, or other personal consumer reports

They have wrong employment information and also information there is also a collection that shouldn't be there because it's given to a lender which makes it the people who sent it over there issue.
Product: Mortgage

This is my third complaint against Seterus, a mortgage company. In XXXX 2015 my XXXX mortgage account was transferred to Seterus " in arrears '' with " funds held in suspense ''. In XX/XX/XXXX XXXX finally admitted in a letter to me and to Seterus that this was their mistake, not mine. My XX/XX/XXXX payment had been misapplied. The attached letter from XXXX received in XX/XX/XXXX further clarifies that my account was current when transferred to Seterus. All mortgage payments to Seterus since XX/XX/XXXX have been made on time or early. After three months since XX/XX/XXXX explained to Seterus that my account was never delinquent, Seterus has failed to acknowledge this, and is still billing me for past due payments! Seterus is a TERRIBLE and INCOMPETENT company. I have never been given a case-worker as I was by XXXX. I have been treated disrespectfully by Seterus phone representatives. I have spent hours making phone calls, writing letters, sending faxes and emails with copies of checks documenting my on-time payments since XX/XX/XXXX! I demand that Seterus bring my account to " current '' status, and repair all damage to my credit rating!
Product: Student loan

The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly. 

This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.
Product: Mortgage

I created a recurring transfer to automatically pay my mortgage serviced by Truist via ACH on a monthly basis. I later attempted to cancel the recurring transfer at https : //bank.truist.com/web/tap/transfer/transferActivity so that I could make manual payments each month. Despite selecting " delete series '' to delete this recurring transfer ( multiple times ), the recurring transfer continues to re-populate and draft from my account each month. The net result is that there is no way to delete a recurring transfer via Truist 's web interface and Truist continues to ACH draft my account each month. In addition, upcoming ( scheduled ) ACH payments do not show up in the Account Overview @ https : //bank.truist.com/web/accounts/i/<your account hash> under Activity > Upcoming, they only show up under Transfers > Manage Transfers, resulting in confusion about whether or not the schedule payment will be processed. The scheduled transfers do not appear to be available to view or delete via Truist 's mobile app. 

I attempted to resolve this by calling Truist customer service ( multiple times in XXXX, XXXX ), but the Mortgage/Loan department believes that it is a problem with the online banking department, and the online banking department transfers me back to the Mortgage/Loan department. The result is that neither party is able to cancel my recurring ACH payment, I am not able to cancel it via Truist 's website, and it has resulted in multiple accidental double payments that are a financial burden.
Product: Checking or savings account

I ended up closing the account due to the high overdraft fees and insufficient fund fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally FinancialXX/XX/2019 - Hard inquiry ( never authorized ) My credit has a fraud victim alert so I'm very unsure how this credit pull was authorized without my consent
Product: Bank account or service

On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. 


I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract
Product: Checking or savings account

This lady was doing my taxes of 2020 and had my whole refund and simulus sent to her account not mine Ive been in touch with the IRS The first account is mine but the second account I have no clue about
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax in reference to data breach and information on my report not being correct. I applied for an Assistant Manager position at a XXXX XXXX ask for XXXX and end up having to take a XXXX pay cut due to incorrect items being on my report that I had no knowledge of. I have a email from the Regional Director and HR explaining to me that I had to explain my situation and what happened with my credit therefore they couldnt do my asking price because of my credit.
Product: Student loan

Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.
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 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 is totally unacceptable and its not okay for users at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion, XXXX and XXXX XXXX reporting agencies block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of personal and collections accounts listed below. 
Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} XXXX : Account Name : XXXX & XXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Student loan

This company has continued to call me about a charge that I know for a fact I did not incur. This collection agency Reliant Capital Solutions state that I went to XXXX XXXX XXXX  University which I didn't. They are advising me to pay XXXX for a school that I did not attend. I advised I was not agreeing with charge and send me verification of a Wet Signature the company sent me a XXXX agreement. This is a computerized signature which anyone could have generated in my name. I will include the information that was sent to me but does not verify that I did so.
Product: Money transfer, virtual currency, or money service

I contacted them XXXX about accessing an old cashapp account with XXXX XXXX 
I informed them I do not recall the email or password for the account. And offered to provide verification of identity with social account username and photo ID. Their automated system would let me go no further without email and phone associated with the account. No option to verify identity with social and ID or photo verification. This is unacceptable customer service.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also 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

In accordance with the fair credit report act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX  I checked on my credit report and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 681i They are supposed to do this treatment in accurate or unverifiable information ( A ) in general after any reinvestigation on the paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modified that item of information as appropriate based on the resident of the rein investigation and ( ii ) promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit card or prepaid card

Synchrony closed and re-opened another account under my name without the promotional purchase I've signed for. I now have a credit line opened without a promotional purchase but more importantly, a credit line with interest terms opened under my name that I did not sign for. This new, incorrect account has been opened for a year now since XX/XX/2022 and I have been billed interest since. I did not sign for these terms and the credit line needs to be voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX XXXX department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

XXXX XXXX XXXX - XX/XX/XXXX Wells Fargo - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I used paypal to send money for a purchase and was tricked into using XXXX XXXX XXXX the seller then blocked me and didnt send the things i ordered. I opened a claim with paypal and they refused to send me a refund.
Product: Credit reporting

An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.
Product: Debt collection

AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - late/Closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : 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

There is a balance from XXXX on my credit report that has been paid to the debt collection agency EOS CCA. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX