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

i am trying to loggin to my disputes account an other accounts with transunion only to keep getting the message that account is suppended but when i call they say they fixed it but never do i need them to fix this problem an also fix any creditors on my account i filed bankruptcy.
Product: Mortgage

I have routinely made extra payments on my mortgage loan through Chase Bank since XXXX 2012. I have instructed the bank to post and apply any extra payments toward the principal ; as our purpose for making extra payments is to pay off the loan. I have called the bank several times to question why Chase keeps extending my due date on my mortgage statements because this seemed odd to me. I have never really got an answer that satisfied my question. Long story short ... .today I 'm looking at the escrow online and I see that the balance is approx. {$13000.00} already and it 's only XXXX and it finally dawns on me what Chase has been doing with my extra payments. My taxes are approx. {$10000.00} per year and I pay for insurance ourselves so they 've simply been putting this money into escrow and not applying it towards the balance which make NO sense at all especially since I 've called and questioned how my payments are being applied on a number of occasions.
Product: Checking or savings account

Capitol one says they are having technical issues but will not provide update. Almost no communication to customers. I've called 4 times and all 4 times the system hangs up prior to connecting me to a representative. My direct deposit has not been available since Thursday XX/XX/year>. It is now XX/XX/year>XXXX  and I am still waiting for my funds to be available. No update has been provided.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX Dear Experian Representatives, I am writing to you in exercise of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 U.S.C. 1681i, to dispute the accuracy of an item on my credit report, specifically a Charge-Off entry.

Excerpt from the Law : 15 U.S.C. 1681i As stated in the law : ( a ) Reinvestigation of disputed information by consumer reporting agency.

If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

This provision clearly requires credit reporting agencies to verify the accuracy of reported information and to correct or delete any information that can not be verified within 30 days of receiving the dispute notice from the consumer.

Therefore, I respectfully request that this Charge-Off entry be verified with the reporting entity. If it can not be confirmed as accurate and complete, it should be promptly removed from my credit history.

I have attached a copy of my identification and my credit report for your reference. I kindly request a written confirmation of the resolution of this dispute within the legally required timeframe.

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with legal requirements. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and found an inquiry from SYNCB/PAYPAL. I did not apply for credit with Paypal. I do not even have a Paypal account. This inquiry is fraudulent and was not authorized by me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX. I sent money to someone then I realized I got scammed due to never receiving the product. Once I realized which was when I sent the money and called my bank and they told me that they couldn't do anything due to their bank not wanting to give back the money. I had to call my bank to find out that my case was closed I couldnt do much about it. Also 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that my last two payments were not reported. I called the credit card company on XX/XX/28 and explained and they agreed that my information was not reported in XXXX. The associated said she filed a claim and I would be receiving confirmation of the claim. As of now I have not received any correspondence or confirmation and my credit report is still not updated.
Product: Credit reporting

Experian is reporting a XXXX XXXX XXXX credit card acct # XXXX ( XXXX XXXX, I have disputed this information with both Experian and XXXX XXXX XXXX. Explain allowed XXXX XXXX XXXX to verify, as accurate without providing proper information. Additionally, XXXX XXXX XXXX verified within the XXXX days verification process ( without completing complaint I mailed XXXX ) XXXX XXXX XXXX later mailed me a letter stating " you have not provided enough information to identify the account ... '' XXXX! this is a deliberate attempt by XXXX XXXX XXXX to basically " play stupid '' All information was provided have copies of certified mailing and letter ( notarized ) to prove XXXX XXXX XXXX 's deceit. 
Additionally, Experian makes it IMPOSSIBLE to add a consumer statement. I paid for the Experian Tracker membership, but there is not a reasonable way to add my consumer statement. I have called XXXX times XXXX day of week at the number Experian provides during business hours and although I held on line for over XXXX minutes each time ( have proof of these calls and length ) I was unable to reach any representative. I tried in morning and later in days. Experian is again manipulating the law and spinning consumers. I have filed a civil suit against both Experian and XXXX XXXX XXXX, I am keeping meticulous records and I intend to subpoena through the discovery process of all internal training videos and policy 's to expose both these unscrupulous corporations. As both are in violations of numerous statutes and i certainly hope through the CFPB someone actually addresses this behavior.
Product: Credit card or prepaid card

On XX/XX/XXXX I chatted in great detail, nearly 30 minutes, online with a XXXX XXXX representative XXXX XXXX who confirmed that she would initiate a dispute for XXXX XXXX Store Card transaction from XXXX. On XX/XX/XXXX I chatted online with a XXXX XXXX representative XXXX XXXX  who confirmed that the dispute for XXXX XXXX Store Card transaction from XXXX. was indeed initiated and is " under process. '' Today, Friday, XX/XX/XXXX, at XXXX, I received in the mail, a letter from Synchrony dated XX/XX/XXXX. This letter states I have 15 days from the date of said letter to complete the Dispute a Transaction form and return it XXXX XXXX   -- 11 days have already passed and it is the weekend. As I have indicated, I have already contacted them twice and was told both times the dispute was initiated and in progress. Synchrony 's policy states I will receive in writing the investigative findings of the disputed transaction in two billing cycles. Two billing cycles have passed and now they pull this? This makes no sense, unfair and is just plain wrong. I have copies of both online chats with Synchrony regarding this issue.
Product: Mortgage

My mortgage amount was set to XXXX and would fluctuate slightly due to taxes. My amount dropped in XXXX to XXXX. I contacted my loan servicer XXXX, they told me the reason the payment amount changed was because I no longer had to pay Mortgage Insurance. They advised me that as of XX/XX/2018, there was no need to pay the Mortgage Insurance and they adjusted my payments to reflect that. I received my mortgage statement for XXXX and the amount has now jumped to XXXX. I checked my online account and I am now being billed for the previous months that the Mortgage Insurance was not paid. 
I contacted XXXX to discuss the sudden change. They advised me that they made a mistake and confused my loan with another loan. When they realized their error, they billed me. They never once contacted me to explain the error with my loan. When I contacted them, they were not apologetic at all. I asked them why would I have to suffer financially due to their gross mismanagement of my account. They made the mistake and I contacted them to verify the lowered amount was correct, they told me it was. Then instead of just rectifying my account to the proper amount, they are now billing me for back pay. 
I told them it is unfair to expect the consumer to carry the burden of gross negligence. They told me I no longer had to pay Mortgage Insurance, they are the servicer for my account so I believed them. When I told the rep this, he then equated my circumstance to that of murder. If a cop tells you its ok to kill, would you kill a person? That is a poor analogy to explain away their error. 
The only resolution they offered is to spread out the delinquent amount over the next 12 months. I feel that a company that is in charge of managing thousands of accounts and millions of peoples monies, they should do so with more care. And they should own up to gross mistakes and rectify them, even if it means they hurt their bottom line. The company is taking no responsibility for changing my finances and potentially harming my ability to keep my home. When I looked into purchasing a home, I did so with my budget in mind. This goes outside of my plans and the loan servicer does not seem to care. And now I am trapped with a company that makes gross mistakes and does not own up to them for the duration of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled with my old credit card company The XXXX XXXX XXXX  years ago. ever since they have sold off the balance to various collection agencies to try and collect the balance. I have had the collection removed from my credit report in the past and now have opened the dispute with all three again. they have sold the account to National Credit Adjusters fraudulently.
Product: Checking or savings account

PNC bank won't allow linking my account with another firm for account verification and loan purposes.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. Equifax and XXXX XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses and now advises me : " that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, please contact the lender directly and follow their internal fraud procedures '', which is contrary to FEDERAL LAWS!!! EQUIFAX IS BREAKING THE LAW!!! I have included proper identification in my correspondence to Equifax. Yet, Equifax remains in violation of my rights as a federally protected consumer.
Product: Credit card or prepaid card

I just received a letter from Discovery Cards and an application was denied, saying no credit on file. On the mailing address my viewed as XXXX XXXX XXXX. My middle name start with XXXX XXXX XXXXXXXX. I contacted Discovery to alert them. I want to inform everyone because my wallet was lost and had bank cards, credit cards from XXXX XXXX my ss card and birth certificate. Thank you for the the consideration. 

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

In the Recording with the Fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1581 section 602 A State I have a right to Privacy.

115 U.S.C 1681 section 604 section 2 also states A consumer reporting agency can not parish account without my written construction.
Product: Credit card

I had two Capital One Credit Cards and I had some financial difficult and could no longer make monthly payments. On XXXX XXXX, I mailed Capital One a settlement agreement for both accounts to try to settle the debt and have it paid off It is now XXXX XXXX and I have not received a response from Capital One with either a yes or a counter to my offer.
Product: Credit card

Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see an unauthorized inquiry on my credit report, and I have no clue where it came from. I check my report regularly, yet this issue appeared out of nowhere. I refreshed my browser multiple times, hoping it was just a glitch, but nothing changed. This is beyond frustrating, and I need this resolved immediately. Please conduct a thorough review of the documents I provided so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially, on XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was looking to make an exchange of my vehicle lease. The when I agreed to allow them to run my credit they chose not to disclose what was my score or what agency they looked at in coming to a determination regarding my credit worthiness. 

When I asked them for it, they said that the report comes through digital means and that it could not be printed out. the sales person provided me with a score that I knew to be incorrect from all of the credit services that I use. When I explain that fact to him, he told me that my services only give an estimation that is usually incorrect. 

As the deal for the financing on the new lease had to be done, they lost my credit profile and had to run my credit a second time ; this was about a month later in XX/XX/XXXX. Once again they failed to give me a report of how they arrived at their valuation of my credit worthiness. This company has been poor in its consumer relations, especially as it pertains to credit evaluation. 

Since that time, it has been disclosed that after taking in the previous vehicle and making the exchange for a newer model, this dealership did an evaluation of the vehicle 2 months after the exchange and did not acquire my signature as proof of its reported  damages. The damages that they have listed are also no accurate as the vehicle was not given to them with those damages. 

XXXX XXXX also failed to make the proper calculations as to the payoff that they needed to make to Hyundai Motor Finance on the first lease, which has prompted Hyundai Motor Finance to ask me for more money, even though that amount was transferred onto the new lease as part of the deal. XXXX made the original payments that they thought were accurate but Hyundai Motor Finance stated that they miscalculated the amount.In my calls with XXXX, they have not allowed me to speak with a finance professional from their location and finance professionals have not returned my calls even though I have left multiple voicemails when I have gotten through. 

Neither XXXX XXXX or Hyundai Motors Finance want to contact one another to settle this matter. It seems to me that they may be running a scam by adjusting amounts months after the fact and requiring consumers to take on more obligations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My property taxes and insurance have been roughly the same for 3 years and my mortgage servicer continues to increase my monthly payment. Stating there is an issue with my escrow balance however my taxes have not changed. Additionally I have noticed round point has not been paying my taxes on time and I have noted penalties and interest on my property tax and i have to pay for them out of the monthly escrow. 

My semi annually my taxes are XXXX and my home owners insurance is XXXX. However, round point said i paid XXXX in taxes.
Product: Debt collection

Fraud complaint for XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX From XX/XX/XXXX until XX/XX/XXXX I was XXXX in XXXX XXXX. I own an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX and prior to my XXXX I had some guy living in XXXX XXXX XXXX at XXXX XXXX XXXXTo my understanding aroun
d XX/XX/XXXX he moved for none payment of rent. 

Then im not for certain because i was XXXX since XX/XX/XXXX and i didnt have any contacts with anyone on the outside. So i don't know if this unit was occupied or not but i have a bill from XXXXXXXX XXXX stating i owe them {$550.00} for XXXX XXXX XXXX at XXXX XXXX XXXX ohio XXXX for services from XXXX. 

I didn't authorization anybody to turn on any any utilities new utilities in my name. Therefore, I don't feel I'm entitle to owe this bill. 

XXXXXXXX XXXX has told me that I called them with my personally information. That's totally not true. In XXXX you can't make three way calls because the phone will automatically hang up and you have to have people on your call list approved to even talk to them. 
Along with this complaint I'm sending a copy of both my XXXX papers, my release papers to the XXXX XXXX XXXX and a copy of my police. 

I will also send a copy of the fraud report that XXXXXXXX XXXX  sent me. It States if the property is commercial or if I'm the owner they can't investigate it. When I called XXXXXXXX XXXX they knew they property was commercial and they knew I owned the unit. So i take that as if they're saying they're not going to look into this fraud account against me. 

I'm also at the point of believing cause I've told these companies I was XXXX they're holding that against me and prejudice in a different way
Product: Debt collection

The former debt that is being collected on was dismissed in a bankruptcy. I have told the callers many times, and now I am receiving letters. 
What can I do to stop this?
Product: Debt collection

You had an account with FlexShopper with account number XXXX. 
As of XX/XX/2023, you owed. {$660.00} Between XX/XX/2023 and today :. 
You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$660.00}