23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX consumer id : XXXX Iam writing to request an investigation of the following information that appears on my XXXX XXXX XXXX  consumer report. I have NEVER opened or used the folowing account numbers : Contributor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX i dont recognize the following accounts in question. im a victim of identity theft and i dont recognize these accounts on my report. im requesting the following information to be deleted from my XXXX XXXX XXXX  report immediately! ive attached a copy the report this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Transunion inserted a fraudulent item into my credit report. They are aware that I was a victim of ID theft and have all required documents on file. However this item randomly appeared on my report after I fought for TWO years to have it removed. The item has been removed for over a year and now it is fraudulently re inserted into my credit report, ruining my credit again. This is in violation of the FCRA and I want it fixed immediately.
Product: Vehicle loan or lease

I pay my car loan on the XXXX of each month which make my payments late. I have tried to have my due date changed to the XXXX so that I am not late with my payments but was only allowed to change my due date a couple of times. This month I am being forced to pay {$650.00} my car note is regularly {$530.00} with late fees {$540.00}. These fees, are excessive and is causing me financial hardship.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Starting XX/XX/, I sent emails to MOHELA for repayment of student loan payments also tried to upload documents for the Public Service Loan Forgiveness application. I was not able to upload the required verification documents. I created an account as the US Dept of Education directed me to. I sent numerous emails that were not answered. I received two back one from each stating they would get back to me with a response. As of this date, I have had NO response from either agency! I have no idea where my loans stand, and no repayment plan. I have got NO HELP from anyone!! Im angry, as the interest keeps accruing interest. I need assistance and guidance in the process. Absolutely no communication from MOHELA or US Dept of Education!!

Thank you
Product: Mortgage

I have a home mortgage with Loan Depot. ( Account # XXXX ). During XXXX they offered " loan modification '' which allowed me not to pay my 3.3 % mortgage for the 2 years XXXX impacted my income. I entered into an agreement with them by which I pay my mortgage monthly and the 2 years of unpaid mortgage gets tacked on to the back end of my loan. I have not missed a payment but out of nowhere I got a call informing me that I am no longer in loan modification and they want me to pay all of the set aside mortgage payments money now with the threat of foreclosure if I do not pay. This is the second time they have tried to kick me out of loan modification and threatened me with foreclosure. The first time was because I didn't get a signature back to them by the deadline. I protested this because the papers they sent me didn't have a deadline plus I had asked a Loan Depot rep if there was a deadline for the papers to be returned and I was told " no. '' Based on this ( I guess ) I was allowed back into the loan modification program. ( Letter dated XX/XX/2022 ). I was sent a new XXXX page contract saying so and what to do to get into permanent loan modification ( pay the mortgage on time ). In that contract they state over and over that to enter into a contract with them all I have to do is make a mortgage payment by the due dates outlined. The first date was XX/XX/XXXX. I paid it XXXX weeks early and that payment shows up in my account. But, out of nowhere I received a phone call and then a letter informing me that I am not in the trial loan modification program. ( XX/XX/2022 ). Nothing has changed since they reaccepted me into the program again. In the letter they write that I failed a XXXX XXXX. I don't know what that means or if it refers to the aforementioned signature issue which I thought had been resolved.
Product: Consumer Loan

I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. 
Drivetime starts calling me at XXXX XXXX.
Product: Payday loan

I borrowed {$800.00}. The oral commitment over the phone was that I payback the original {$800.00} with a {$200.00} fee. Yes- Highway robbery but at the time I was desperate. They were supposed to take the money out each XXXX of the month. They started taking the money out when they felt like it and causing NSF fees at the bank. I called them many times and asked them to just take the money out as we originally set up. They would not. So I asked if I could just pay the remainder back in one lump sum ( at that point it was {$600.00} ). I had already paid them back $ XXXX I owed them {$400.00} and the {$200.00} fee-they would not accept it. They insisted I payback 36 consecutive payments totaling over {$7200.00}. 
I had to close my back account because I could n't reason with them. 
Now they are calling my work, home and cell non-stop all day and night. Again I have offered to pay back the original loan with the interest {$600.00} but they claim they wo n't take less than {$1200.00}. 
I wish I never ever borrowed money from them and I have learned a very hard lesson. This is an absolutely scam. I am a good person I just was desperate at the time. Please please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated XXXX XXXX ( original creditor XXXX : XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate and the date last active is inaccurate and the date last reported is inaccurate. This is grounds for Automatic removal. XXXX XXXX original creditor XXXX : XXXX XXXX VIOLATED MY RIGHTS UNDER 15usc 1681 Section 604 A Section 2 The law clearly states a consumer reporting agency can not furnish account without my written instructions I HAVE NOT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT
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 unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit card

My bank sent an automatic payment when I did not owe a balance. I was able to get Synchrony/Havertys to refund my money. The next month ( XX/XX/year> ) my bank again made the autopay. Synchrony/XXXX  again sent me a refund check which I deposited back into my account. Two days later ( XX/XX/year> ) Synchrony/XXXX  pulled the money back out of my account without my permission. Ive spoken to them three times since XX/XX/year> about getting my money back and each time they tell me Ill get a check in 9-15 business days. I still havent gotten my money back. Synchrony/XXXX  owes me {$250.00}.
Product: Credit reporting or other personal consumer reports

I used a credit repair program to clear up my delinquent payments with XXXX XXXX. I stated the reason why I had a hard time paying during the months listed on my credit report. Both XXXX and XXXX show this account as current and paid on time. Experian is the only one that has not updated this information. I was suffering from heath issues and missed multiple days of work, and when I was getting back on my feet the XXXX Era hit. This was info was shared with the oth 2 Credit Bureaus also.
Product: Debt collection

I had XXXX at XXXX for my dog  in XXXX of XXXX. I have never received a bill or a statement saying I owed anything. The XXXX was XXXX that I paid in full. I received a letter a few days ago in XXXX of XXXX from Transworld systems inc. never heard from them before, called and they did not give me an option to dispute nor does it say in the letter that I can. I even contacted XXXX  and no one has got back to me. I dont understand how I could owe {$100.00} when I paid {$3800.00} in full 4 years ago. I think this is a scam. I even emailed Transworld to tell them I have no debt with XXXX and they never responded. The past due/collections is already on my credit report.
Product: Debt collection

Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.
Product: Payday loan

XXXX The pay day loan company keeps charging my account even though I have paid more than the agreed amount and they hang up on me when I try to call them and find out why. They always put me on hold and hang up the call. I have paid {$50.00} over the agreed loan amount.
Product: Credit reporting

In the month of XXXX I noticed that all my inquiris were deleted and I looked again today and they are back on my report..which caused my credit score to decrease..
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX  to provide documention used to determine inquiry was indeed authorize by the consumer, XXXX  has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if XXXX does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.XXXX is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT
Product: Debt collection

Call my family member disclosed personal information about old debt its been past 7 years regard how much was owed and it was not my number when I called on XX/XX/year> XXXX XXXX XXXX XXXX XXXX they hung up the phone.
Product: Credit card

I am writing to express my profound dissatisfaction and seek immediate resolution regarding recurring issues with my Apple Card, specifically relating to in-person purchases at the Apple Store. On XX/XX/XXXX, I attempted to purchase XXXX XXXX at the Apple Store located at XXXX XXXX in XXXX, Texas. Despite having over {$2000.00} in available funds, my card was unjustifiably declined, leading to significant embarrassment and inconvenience. 

As the sole XXXX woman in a predominantly Caucasian neighborhood and store, the public nature of the decline amplified my discomfort, further exacerbated when I was asked to provide an alternative payment method in a crowded setting. 

Following this incident, I contacted Apple Card support three times. Initially, I was informed of a block on my card, which I had not been notified about via email or text, contrary to standard procedure. Although this block was reportedly removed, my card was declined once more upon a subsequent purchase attempt. I was then informed of another block and that my account was under review, yet I have not received any formal communication or rationale for these actions. 

This lack of transparency and repeated hindrance of my purchasing abilities, despite a perfect payment history and sufficient credit, is unacceptable and discriminatory. The absence of any preemptive or follow-up communication from your end compounds my frustration and concern. 

I demand a detailed explanation for the continuous blocks placed on my card, the criteria and processes behind your account review procedures, and why I, a customer in good standing, have been subjected to such treatment. Additionally, I expect immediate rectification of these issues to prevent future unwarranted embarrassments and limitations. 

Please respond at your earliest convenience with a comprehensive explanation and a clear resolution path. I trust in your commitment to customer satisfaction and anticipate your prompt attention to this serious matter. 

This is NOT the first time either Apple has done this to my card. The first time was in XX/XX/XXXX when I tried to purchase my XXXX XXXX.
Product: Credit card or prepaid card

I applied for a line of credit at the on line music equipment site called XXXX. The credit line was approved for {$600.00} through Synchrony Bank in XXXX of XXXX. I made my first purchase of {$590.00} on XX/XX/XXXX. I made my first payment of {$100.00} on XX/XX/XXXX prior to the XX/XX/XXXX due date. In early XXXX I applied for a small loan of {$4200.00} through n loan service called XXXX for the purpose of consolidating all my credit card debt. The {$4200.00} loan was approved and I paid off all my credit cards, including the Synchrony Bank card. So I paid off my XXXX XXXX, XXXX XXXX, and XXXX accounts. On XX/XX/XXXX, Synchrony Bank informed me they lowered my credit limit from {$600.00} - {$250.00} based upon the information they received from XXXX, the same credit reporting agency they consulted to 'approve ' my my original {$600.00} credit limit back in XXXX. I believe this adverse action on Synchrony Bank 's part was arbitrary and capricious. None of my other credit cards lowered my credit limit because I paid off my credit cards. So the decision of doing this on their part is dubious at best.
Product: Debt collection

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 XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1983 XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Mortgage

My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.
Product: Student loan

I'm speaking of Mohela. I understand that there is currently a lot of confusing information regarding the government blocking certain types of repayment plans but the confusion mohela is adding to the mess is ridiculous. Months ago I began being emailed advising I was in forbearance. After an unreasonable amount of phone calls and inability to reach a person I finally found out that while the government is overseeing various things our loans are in administrative forbearance. No additional information came about and I've been checking my account regularly for the status. Imagine my surprise last month when I had a past due balance on my account of XXXX. I tried to get someone on the phone but it was pointless so I paid it. I also double checked to make sure i was still on auto draft, and I was... so there was no reason for any overdue amount. But what's really annoying is I got no notice of anything I had to pay. At any rate I paid it and emailed the company and I've heard nothing. Tonight I checked my account again and I was overdue XXXX. Again no idea for what. 

Over the past 3 weeks I've received emails every other day with my upcoming revised payment schedule. I have no clue why they keep making new revisions every few days and I've stopped even trying to call them. But I'm very worried because there's no way I can afford what's on any of these schedules. I've applied for various payment plans and have no idea what to do because you can't reach anyone to discuss it.

On top of all of this I'm a XXXX XXXX who is supposed to have their loans forgiven after 120 payments are made. The governmental issue isn't my fault and I've never been late because I'm on autopay, but now I have missed many months that should have counted in my favor.

I'm so tired of this. We're all so tired of this. We need help to understand what's going on. The XXXX  for mohela is terrifying. I'm actually afraid this company will ruin my credit and my hopes of loan forgiveness.