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

I noticed an unusually high interest charge on my XXXX statement with PayPal Credit . This fee dramatically exceeded my APR rate. There was no breakdown of the fee. When I contacted support, they refused to provide me a breakdown of the fees. I asked several times. I was then concerned that PayPal Credit ( Synchrony Bank ) is committing fraud which breaks the Usury Laws of California. Upon mentioning this to the customer service representative, he stated he would speak to his supervisor. Immediately after this, they reversed the entire interest fee that was charged to me. This made me even more suspicious and is the reason why I am filing this complaint. 

I have gone through past statements and I am concerned that this has been ongoing for many years.
Product: Debt collection

Speedy cash has used multiple debt collectors Like XXXX XXXX located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the XXXX XXXX time zone while California is in the XXXX XXXX XXXX XXXX I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX verified as accurate. How is this account accurate if the term duration is in accurate, as well as high credit amount, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting your method of verification according to the XXXX XXXX Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted.

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Debt collection

Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help me.
Product: Credit reporting or other personal consumer reports

company reported this account as a voultary surrender but I have proof stating the ve3hcile. was paid off through insurance and account was paid in full stated below also I signed my XXXX XXXX contract XX/XX/year> which was after getting both vehicles due to federal service civil relief act creditors are not. allowed to report negative accounts after in XXXX XXXX status also creditor agreed to delete both accounts due to payoff
Product: Debt collection

On XX/XX/2022 @ XXXX, I called and spoke with an employee of William Rush XXXX XXXX concerning account # XXXX. During our conversation the employee of William Rush XXXX XXXXXXXX violated several statues of the Fair Debt Collections Practice Act. First, before we started discussing the account she never stated that she or her employer was a debt collection agency until the middle of our conversation, also she accused me of breaking the law when she stated that I gave the original creditor the wrong email address on the application and because I didnt update my email address with the original creditor I was further committing a crime. She stated by law I must contact the creditor if the email address on my application has changed. My concern is how does she know I gave the wrong information. Isnt it reasonable to say that the employee of the original creditor entered my information in wrong during the application process? As stated above XXXX XXXX and Associates violated the follow statues : 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 

( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
Product: Credit reporting or other personal consumer reports

I have many complaints against Experian starting back to XXXX they keep coming back the collection are accurate and they have 3 closed accounts that arent accurate. I called them a week agao talked to fraud explaned that the XXXX XXXX XXXX I didnt do to remove the XXXX XXXX XXXX XXXXXXXX I didnt do 4 of them the XXXX i didnt do, I also told them that I talked to XXXX XXXX XXXXXXXX and they said they havent heard from anyone with experian they said they were nitifing them to remove the inquiries. Experian tld me to mail them the XXXX  Identity theft report with a letter and my ID which i did and still nothing, I have attached the letter from XXXX XXXX XXXXXXXX and the id report and letter explaning the sistuation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX XXXX Account Numbers XXXX as a charge-off in the amount of {$5800.00} My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing the account off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the account continues to be reported as a charge-off on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as a charge-off on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress
Product: Debt collection

They keep calling me at work, my cell phone, my family, and friend. 
They call many times of day. 
I do n't want to lose my job over this. 
They threatened my son.
Product: Money transfer, virtual currency, or money service

I used world remit to transfer money from my US XXXX XXXX savings account to my XXXX XXXX savings account on XXXX XX/XX/2020 - time XXXX. The money went out of my XXXX XXXX account on XXXX XX/XX/2020 - {$1000.00}. This transaction is reflected on my XXXX XXXXXX/XX/XXXX statement. 

This money never reached my XXXX XXXXXX/XX/XXXXsavings account with my local bank XXXX. 

I send a request to World remit on XXXX XXXX when this money was still not showing in my XXXX XXXX Savings account. World remit 's only reply to my was they are still waiting for their local partner for the information. 

I contacted the foreign currency manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that the money was never received in XXXX XXXX. She advised that I ask for a XXXX document. I've repeatedly requested this from World remit with out any success. Their reply was that they are still waiting for their local partner to respond. As to this day and after request on request to World Remit I have not received this XXXX. Neither my {$1000.00} back in my XXXX XXXX savings account or my XXXX XXXX XXXX savings account. 

World remit just sent my a message after 60 days that my recall was unsuccessful. 
I've started requesting about this transaction way before the 60 day window aloud expired - First enquiry XXXX XX/XX/2020 and still World Remit did not manage to get the necessary info from their local partner? 

I would greatly appreciate if this {$1000.00} can be redeposited into my XXXX XXXX account seeing that World Remit can not get any response from their local US partner - who ever this may be?? 

I've started requesting about this transaction way before the 60 days Your kind attention in recovering this {$1000.00} is greatly appreciated seeing that a {$1000.00} are a lot of money for a XXXX year old season worker. 

Kind regards
Product: Credit reporting or other personal consumer reports

Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected. 
3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues. 

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting. 

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent Transworld Systems a letter requesting validation of a debt they claim I owe. My letter requested for evidence of this alleged debt including my signature. Transworld responded with insufficient validation.
Product: Debt collection

ACCOUNT IS INACCURATE DATE OPENED IS INACCURATE HIGH CREDIT IS INACCURATE COMMENTS/REMARKS ARE INACCURATE PAYMENT HISTORY IS INACCURATE
Product: Mortgage

My mortgage loan was with XXXX XXXX when I fell behind on some mortgage payments in XXXX of XXXX. I reached out to XXXX XXXX regarding modification. We started the modification process, and I was waiting for the decision. In the process of the modification, the loan was sold to Shellpoint mortgage in XX/XX/XXXX, I received a letter explaining my loan was transferred, but I didn't receive anything from XXXX XXXX. I reached out to Shellpoint regarding the status of my modification because I was assured that they will pick up where XXXX XXXX left off. A few days letter I receive a letter that my house is going to be foreclosed on in 45 days or I can short sale. I immediately called Shellpoint and spoke to someone explaining to them that was the first I heard of anything especially a decision. Shellpoint agreed to start the process over, and I started making forbearance payments in XXXX of XXXX from that moment on until the day I sold the house on XX/XX/XXXX, I have made on-time payments. After the modification, the amount had changed, but my credit report was not reflecting the change, so I disputed the amount. After I disputed the amount Shellpoint added to my credit report that I was late XX/XX/XXXX for 150 days which is an absolute lie. I was late with XXXX XXXX but never Shellpoint. I also was going through a modification and should not have been late while going through the process. I have disputed several times and has spoken to them about it. They have damaged my credit with reporting the late payments. I lost the loan on my new house because of what they have done. I'm asking them to please change that although I have sold the house. I have worked hard to get my credit right to do this for my family, and a company that should honest and have integrity would intentionally do that to harm someone chances of having a better future.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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

Capital one issued a debt collection/charge off account on my credit report ( XXXX, XXXX and XXXX without verifying the debt and a contract with my signature. They poated the report to all three bureaus without notifications me of the debt. I advised that this was not my debt.
Product: Mortgage

I applied for a modification and after making three initial payments on time, the bank refused to accept additional payments without providing a reason. I seeked the advice of a legal counsel and after numerous attempts in saving my home, i have now been adviced that the modification was once again denied. I feel i have no recourse unless this agency assists me. I am desperately trying to save my home and dont know what else to do. Each time i tried negotiating with the bank, they have offered me no options other than foreclosure. I would appreciate your asssistance with this matter. I thank you in advance.
Product: Debt collection

they called on XX/XX/XXXX in reference to an old debt. they offered a settlement. I was unable to agree to settlement. XXXX then told me if i am refusing to pay so he can continue legal route. I said at this time i ca n't do the settlement due to amount they are requesting within 5 days and I asked and sent them a cease of communication notice. He called again on XX/XX/XXXX to my place of employment. On a recorded line on my company 's end i requested to XXXX not to call us at work and told him i would call him from my cell phone. I called him on my cell phone and again requested for him to stop calling us. I told him that we can not due the settlement they offered us and I do n't see the point of them continuing to call and harrass us. He ended call by saying good luck and hung up. they also called XXXX ( my work number ) they also called 1 of our store locations XXXX
Product: Prepaid card

Rushcard was supposed to be down for routine maintenance for a few hours on XXXX. These few hours have turned into DAYS! I have no access to my funds. My card shows a {$0.00} balance ( which is incorrect ) When I can get into the website once every XXXX attempts ) it is showing a double posting of my transactions and random processing debits. When you try to call Rushcard customer service ( got the number from the back of my prepaid card ) their the number says out of service '' I have a child to feed and bills to pay and have had no access to my money since Sunday!
Product: Mortgage

I filed with CFPB on this already Case Number XXXX. 

I received an email today stating the case was closed because the Lender responded. The response was they have taken care of this matter. 
They have done NOTHING! I have still not been reimbursed. I have been lied to over and over that the check has been mailed. 
My insurance company still has not received any money from the Lender. 
This is ridiculous. I have spoken with every supervisor and customer service person there and each one of them tells me a different story. They have blamed the previous lender which is crazy as the previous lender sold the loan on XX/XX/XXXX and the Insurance payment was not due until XX/XX/XXXX. 
They told me they would send me a check. They did not. They told me the check would be sent to the Insurance company and was already cut..it was not and they did not send anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 TransUnion re-inserted previously deleted items from XXXX XXXX  without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also XXXX  on XX/XX/2018 really-inserted items from XXXX XXXX  without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.
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 Metro 2 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 - Opened on XX/XX/XXXX Account Name : XXXX  - Opened on XXXX Account Name : XXXX  XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where I was compelled into accruing debts in XXXX XXXX. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of XXXX XXXX  We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.