23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance to fcra section 609, this account was disputed XX/XX/XXXX. Ad astra recovery did not respond to intial dispute within 30 days as allowed by the FCRA. They have continued to report innaccurate information to all XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were intially disputed. Ad astra Recovery Service has continued to attempt to collect debt they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this including a previous dispute to CFPB.They have blatanly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They also stated that they have sent documentation which is false. Nothing since they placed on my accounts has been mailed to me, The second issue is that it had been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious they are not.They have deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one.
Product: Checking or savings account

I own a title insurance agency in Pennsylvania. I have been banking with XXXXXXXX XXXX, XXXX since XXXX. XXXX XXXX holds all escrow account, and daily operating accounts for said business. 

On XX/XX/XXXX a fraudulent check cleared our escrow account for {$9500.00} - the check was clearly a fake, with smudge marks, inaccurate seals, missing telephone numbers, incorrect check numbers, invalid authorized signatures, etc. The check was NOT indorsed or stamped. The fonts did not match our check stock. The check was clearly done as a mobile deposit, and in the subject area had " commission '' listed. 

I received my 89 page bank statement with all copies of checks in XXXX- Did not notice the check clearing escrow because the amount did not stick out, when we clear thousands of checks a month. 

A XXXXhird party reconciliation company XXXX XXXX XXXX, does our third party escrow reconciliations- and brought to our attention this check that did not match up to a file or ledger. Immediately we contacted XXXXXXXX XXXX, contacted customer service, and filed a complaint. 

XXXXXXXX XXXX returned the claim on XX/XX/XXXX stating that " Given the account agreement and based on a review of applicable law, we feel we paid the check in good faith and upon the exercise of proper care '' WRONG- this check is clearly a fake. This check was cashed, without any endorsement on the bank. This check was signed by not an authorized signor with a magic marker or stamp that is not the same name, nor similar signature as the company primary. 

I contacted the XXXX XXXX manager assigned to my business accounts- when she finally returned my phone call she stated that the reason this claim was denied is because it took ME too long to file a claim. Meanwhile I filed the claim as soon as it was brought to my attention/ after going through the monthly due diligence of escrow reconciliations. This happened during the end of the year - the busiest time, and the bank is not willing to help. 

Furthermore, this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX manager will NOT supply any information for me to be able to file a police report. After asking numerous times, they have not and will not supply information regarding the bank this cleared through. 

XXXXXXXX XXXX is taking no fault on this. Which is bad business - Escrow money is not ours - it is the consumers money. There was not a fraudulent check written by this company- it was written by someone trying to defraud a title insurance company, and they succeeded - the bank has insurance in place to cover fraud, and are blatantly not caring about the consumer. 

This situation is at zero fault of the title agency involved and we would appreciate the money back!
Product: Credit reporting or other personal consumer reports

I WAS GOING THROUGH FINANCAIAL AID RESOURCES FOR XXXX XXXX XXXX XXXX, AND WAS ALERTED TO NUMEROUS ACCOUNTS ON MY CREDIT REPORT BY THE FUNERAL HOME, THESE ACCOUNTS LISTED DO NOT BELONG TO ME AND HAVE CAUSED A ALREADY ARDUOUS MOMENT IN MY LIFE TO BE MORE DEPRESSING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE ACCOUNTS THAT HAVE BEEN ADDED TO MY REPORT AND DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my collection at First Point Collections in XXXX North Carolina in XXXX of 2020, shortly after I found out it existed. Only to find out a year later it is still on my credit as paid and not deleted. I have called several times and have been told that the manger is on vacation and only he can delete these items. When the manager returned my items still havent been deleted. I have been given the run around over and over again. I did my part by paying my debt I just want them to do there part and have it deleted from my credit report.
Product: Student loan

I need to know how the Permanent Standard Repayment Plan is calculated and I need to see the terms for the Permanent Standard Repayment Plan. 

I requested how this was calculated in my last CFPB complaint, but they only provided details for how the XXXX plans are calculated.

I want to know how the Permanent Standard Repayment Plan is calculated and how many years the payment plan is intended to cover.
Product: Credit card

On XX/XX/XXXX, Synchrony Bank denied the debt cancellation of one of the benefits I have open under their Security Program. 

The benefits I have open are : XXXX & XXXX for Care Credit ( I'm the joint account holder ), XXXX for Sams Club and XXXX for PayPal Credit. 

The form they request to be filled by a XXXX  states that : " If you have been awarded Social Security XXXX benefits, you may submit the award letter as long as the letter provides the date you were deemed to have become XXXX ''. 

I was granted XXXX benefits on XX/XX/year> after XXXX  years battling it due to a XXXX  and XXXX  XXXX I have for XXXX years. This XXXX causes me several other XXXX that I need to keep at bay with several doctors. I was diagnosed in the US but I live in XXXX XXXX and none of my doctors will fill the form because I was diagnosed in the US and the doctors in the US tell me it should be my doctors in XXXX XXXX because they're the ones doing the follow-up. 

My complaint is, why Synchrony is denying the benefits if I submitted the letter of my Social Security award as the form is requesting. The form doesn't state that the XXXX award letter should specifically present the date when the benefit was started and, which will be IMPOSSIBLE, because everybody knows that Social Security takes YEARS to approve XXXX benefits. The terms of the security program also doesn't say that to the debt be cancelled with the Social Security award letter, the XXXX date should be compatible or the same with the date used to open the benefit. 

Synchrony 's security program only covers XXXX months and I've been battling with Social Security for years, as the letter represents. Then why requesting it? Again, Social Security for XXXX takes years!!! 

I think it's XXXX  and a bad XXXX  practice of Synchrony of requesting something for them to not grant the cancellation debt. People with XXXX have to manage lots of issues for this to be another issue. 

My XXXX affects XXXX, XXXX  and XXXX  and because it's rare no doctor in XXXX XXXX know how to manage me, won't fill the form.
Product: Checking or savings account

My account was fraudulently used to make a transaction in the amount of {$1600.00} on XX/XX/year>. I reported this and the dispute was denied even with a police report and identity theft report attached to the case. I have been compliant and sent in numerous documents to support the claim as well.
Product: Credit reporting or other personal consumer reports

Ive called and written letters to both XXXX and Experian telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

Experian refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and Experian credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement
Product: Mortgage

This is my 4 td time trying to get help! My home was illegally foreclosed! I sent the paperwork I called and you referred me to the Alabama State Attorney General Office. I called them and they said you never sent anything to them to investigate. XXXXXXXX XXXX XXXX as you saw on the paperwork handled my home wrongfully in XXXX I lost my home because someone did not care please do it take this as an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. 

I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX XXXX  re reported the fraudulent account. 

I also faxed over police report and a FTC report to XXXX they still haven't removed the fraudulent account.
Product: Debt collection

Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX 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: Credit reporting or other personal consumer reports

I submitted a dispute in XXXX of a XXXX XXXX XXXX lease end in XXXX that was not property documented resulting in a late payment charge on my credit report. I submitted documentation from the lease company where they admitted their error and Experian still denied the dispute request and the late payment cause my credit to drop almost XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXXXXXX
Product: Mortgage

I was pre-approved for a home loan with Better Mortgage. I got them all of the financial information they requested within 24 hours. They did not get the appraisal done. My home has sold. Asked repeatedly about getting the appraisal done. They waited until 10 days before my close to do it. It's still not done, my home is supposed to close in one week. I have to move because my home sold. I do not know if I can move into my new home because we do not have a completed appraisal. I've been asking every day for several days. I keep being told that it will come in tomorrow and it never does. I am at risk of being homeless. I'm also at risk of being out several thousands of dollars because I have already paid for and booked the moving company. They are now avoiding my emails and I have being placed on hold for several minutes and no one is getting back to me. I have excellent credit. I would have not used this firm if I knew this was going to happen. What if my house does not appraise for the value it is listed at? I do not have the money to make up for the difference. What if the appraisal is not done before I am supposed to move? This is completely crazy. I feel duped and I am XXXX and very scared of being homeless.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. The fraudulent items in question such as unauthorized accounts, incorrect information, collection, and inquiries which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. I provided additional information and documentation as requested by your agency. After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. This repeated failure to rectify the fraudulent items on my credit report is causing me severe distress and financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance XXXX : {$1000.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance Owed : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$4400.00}.
Product: Student loan

XX/XX/2016 got reported as 60 days late. I am generally on top of making sure the amount stays in good standing, however, there was a situation where I was under the impression that the loan was placed into an income repayment plan. Now, is affecting my credit score and placing 2 late payments on my report. Customer service was slow and I never received Correspondance until after it was reported. I am asking the late payment  be removed due to confusion not lack of responsibility to pay or set up arrangements. Thanks
Product: Credit reporting or other personal consumer reports

i dont recognize these accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XX/XX/2023
Product: Credit card

Chase is offering " free monthly credit score '' BUT my score is not posting. I have spent considerable time contacting Chase - but their out of country operators ask for so much information it feels like identity fraud is possible and I do n't think they should need that much to verify an account, so I contacted XXXX. There is no block on my credit account in XXXX system. They have a record of the Chase account. A complaint to Chase headquarters WAS DELETED. SO, they have made an offer and I have accepted it BUT they are not fulfilling their offer. Would the US Government PLEASE require Chase to fix their problem, act in good faith, or else compensate me for time spent dealing with people who can not do their job.
Product: Credit reporting or other personal consumer reports

On Friday evening, XX/XX/24, I discovered that I was impacted by a recent data breach in the United States. I immediately started the process of freezing my credit with all three credit agencies. 

I tried to set up a free account online with Experian, but I got an error message that they were unable to verify my identity. There were different customer service numbers provided and most of them were only available Monday-Friday. On Monday, XX/XX/24, I called the numbers that they provided and was unable to get through to a representative to help me. They have an automated system that will not transfer customers to a live representative for assistance. I tried calling about five different customer service numbers, but I was unable to get through to a customer service agent to help me. 

I messaged Experian on XXXX on Monday ( XX/XX/24 ) afternoon around XXXX, and they responded to my message at about XXXX XXXX  on Tuesday ( XX/XX/24 ). The person on XXXX was unable to verify my account and referred me to their website. I reminded them that the reason I was contacting them was that I already tried to set up an account on the website and was getting an error message. They then gave me a different customer service number and assured me that I would be able to get assistance from a customer service representative. So far, I have not had any luck getting through, but I am trying. 

I also emailed them at XXXX on Monday XX/XX/24 at about XXXX regarding this issue. My case number is XXXX They have not responded yet ( of course ). 

Why is it so hard to contact Experian in cases where there could be fraud? The other two agencies were much easier to contact and set up my accounts. Experian provides customer service numbers where you can not get through to an agent, a XXXX message option where they get back to you within 24 hours, and a po box you can MAIL inquires to. Where is the sense of urgency? There is none with Experian.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Assumption : XXXX and XXXX facilitate my Social Security number to collection agencies. 
Explanation : I received a service from a medical clinic last years ( XXXX ), my co-payment some how was not process and the clinic sent my case to a collection agency. Notice that I never shared my SS # with the medical clinic nor with the collection agency. 
Last XXXX 2016 the report showed on my son 's XXXX credit report. At that time, I called the collection agency and inquired on how they reported a service on my son 's credit without his SS # ; when I was the one who received the service? They responded : " We just send the information to the credit reporting agency and they place the inquire on your credit ''. 
I called XXXX, submitted a complain, and the report was removed from my son 's credit report. 
This month XXXX XXXX ), I notice a change on my credit score from XXXX. There was an inquire from the same collection agency on my credit report. 
Question : How is the collection agencies reporting to XXXX and XXXX without SS #? 
How is XXXX and XXXX obtaining information and adding it to credit report without SS #? 
Are XXXX and XXXX randomly adding information to consumer 's credit without SS #? or Are they facilitating SS # to collection agencies to add inquires to consumers report?
Product: Checking or savings account

I specifically requested to have no overdraft fees in my account when i opened. Turns out the lady that helped me at XXXX XXXX branch of Bank of America did put overdraft. I called and another customer service represantative told me she removed them and i was hit with XXXX $ overdraft fees in just one week. After she told me she removed them within 4 days i get hit again. I have almost XXXX $ to pay because of only overdraft fees without my consent at Bank of America. Representatives do not care and no one is refunding my money because i didn't sign for any overdraft and i made it very clear since the beggining.