23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi my name is XXXX XXXX I am the owner of my Huntington bank Account. My account was closed for no reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my account was closed with a remaining balance was told they will mail me out a check with my remaing funds it has been a month and a half i had my work checks etc being sent there my rent was bounced bank now i am behind and at a verge of being kicked out and homeless i was told that this company can help me i need it please. i have a renaming balance of about XXXX and huntington closed my account on around the date of XX/XX/year>.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX : Synchrony Bank Banana Republic XXXX XXXX account closure Dear Ms. XXXX, I am writing to express my disappointment and displeasure with Synchrony Bank. Imagine my surprise when I called to discuss a payment that had not been received yet, due to delivery issues that the USPS has been experiencing, and I discovered that my Banana Republic Visa Card account had been closed. I then received the letter included in this mailing. I find it extremely unbelievable that my account was closed for high risk of failure to pay. I have had this account since XXXX. I make {$140000.00} a year. I have never been late with a payment ( except with the above-mentioned issue due to USPS problems ) and pay my bill off in full every month. 

I have to wonder if my closing my account was punitive because : 1. I pay my bill off in full every month 2. I have rewards totaling around {$200.00} 3. I havent used the card as much over the past few months What happens to all of the rewards that I have accumulated? Do I lose them since the account was closed through no fault of my own? I have always had excellent credit. I want a guarantee that Synchrony Bank closing my account will not negatively impact my credit. 

Due to the above issue with the USPS and the XXXX payment not being received on time, I paid {$600.00} over the phone and then a week later Synchrony Bank received my check that was delayed due to the USPS problems. The check was cashed. I want to know how and when this will be refunded. 

I need to reiterate how annoyed I am with how unprofessional I find your company and will be lodging complaints with the Consumer Financial Protection Bureau and the XXXX  XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies.
Product: Mortgage

I reached out to my mortgage company regarding this concern. I previously had other concerns with them regarding my loan modification. After making a complaint through your agency, they were forthcoming and followed the process to addressing my concern. They worked with them in obtaining the documentation. They approved my loan modification. It was approved on XX/XX/XXXX. My first payment was XX/XX/XXXX. I have paid my monthly payment which includes ( principal, interest and escrow fees ) each month. 

A recent concern in which I attempted to address and have resolved, have not been resolved or addressed. The concern is related to an overdue payment that was {$5800.00} that increased to {$22.00}, 680. I noticed this while making my XX/XX/XXXX payment. I called to get an explanation but they were not forthcoming. Additionally, on my account there were many on XX/XX/XXXX mortgage payment reversal or unapplied activity to the account. With the activity, it showed that the payments for the months of XXXX, XXXX, XXXX, XXXX ( two payments posted ) and XXXX reflected as XXXX, XXXX, XXXX, XXXX, XXXX and 152 days late. I asked if this reversal will show on my credit report as those many days late when it was the action of CMG and not mine, applying the payment incorrectly. The represented stated, all payment are in real-time and the payments will show late on my credit report. She said that they can not make promises even stating it was a mistake on their behalf. She further read the consumer credit script. She asked if this was a concern for me. She threatened me and asked if it was a concern for me and stated she would not resolve the concern for me and it was my issue. 

XXXX XXXX, employee id number XXXX. Her supervisor is XXXX XXXX. 

I was on hold for over 45 minutes. 

When she returned to the call and stated that I was due {$61.00} as an overpayment for escrow fees. I further asked why did my overdue payment increase. She gave no explanation for the overdue payment that is reflected on my monthly statement.
Product: Mortgage

To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX  is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home.
Sincerely, XXXX XXXX  Phone XXXX XXXX XXXX XXXX , XXXX, CA XXXX
Product: Debt collection

I sent a certified letter with return receipt to Jefferson Capital Systems XXXX/2024 for a validation of an alleged debt of {$25000.00}. Jefferson Capital Systems has " Failed To Notify '' XXXX, XXXX or XXXX about the disputed Collection account which has not been properly validated. Jefferson Capital Systems is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies without proper validation. A " Cease & Desist '' of communication other than proper validation delivery by mail was requested in the certified validation letter. Jefferson Capital Systems has been " Wilfully Non-Compliant '' by continuing to call my personal cell phone DAILY from ( XXXX ) XXXX and send emails which I have unsubscribed from, in violation of my consumer rights under the FDCPA. Jefferson Capital Systems is damaging my ability to obtain credit & affecting my mode of living.
Product: Debt collection

This account was cancelled but I was still billed. After paying full amount I was refunded partial what was paid but negative report was never removed as promised.
Product: Checking or savings account

I lost my job working as a XXXX XXXX. I found an online job that was not legitimate and was paid by a check that bounced. I explained this to my bank along with overdraft fees building up as well. Everyone seems to not care and they restricted my debit card. My tax refund is sent to this account as of XX/XX/19 from the irs. Chase bank now is holding my funds stating I will not receive them until after two business days. Along with the weekend. I am behind on every bill this has caused a Major disruption. I just want whats rightfully mine and no more problems. There has to be some laws protecting tax payers dollars.
Product: Bank account or service

On XX/XX/2016, as I was paying bills I noticed the balance of one of our accounts {$19000.00} less ( XXXX ACH transactions were made ) than where it should have been. I immediately called Wells Fargo to start the fraud claim. I received electronic confirmation that the claim had been submitted and to expect an update on day 5 and it to be resolved by day 10. I have checked the account each day and no reimbursement. On XX/XX/XXXX I called to get an update ; I provided the claim/reference number and the employee in CA stated no such claim existed. I provided her additional information to no avail. I must admit I got frustrated and hung up. I called back and was able to reach XXXX. XXXX was able to find the claim and was also able to add the third transaction which was not part of the claim originally. He informed me that there were no notes on the system. My frustration is the fact that someone, somewhere got away with {$19000.00} .... {$4300.00} on XX/XX/XXXX and XXXX transactions for {$7600.00} on XX/XX/XXXX. All transactions are coded with Health Savings. I do n't have an HSA and the amount is significantly higher than anyone is allowed to put in their HSA. With the fake accounts that WF is accused of, this makes me very nervous. Almost {$20000.00} is missing!!! We are a middle class family and can not afford this type of transaction to happen. I feel taken advantage of -- I want my money and am so tempted to pull all funds and sew them in my mattress. If a " big bank '' can not protect my money which we worked hard for, then what are we, the general public, supposed to do???
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to Carrington Mortgage from XXXX. I wasnt notified of the change until nearly 60 days. On my credit report it shows 3 months of 30 days late from carrington mortgage but I talked to them and told them what happened and they said they would correct this. Also my banking info was entered in wrong on their end and I was making payments and they were not going through. They again said they would correct this on my file and they have not.i tried to get it straightened out and they said they would take care of it.
Product: Credit card or prepaid card

I sent the bank documentation of a item that shows it was delivered but I never recieve. I contact Citibank to dispute the amount of XXXX and the rejected ny dispute
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experian inaccurately reporting credit inquiries on my credit file that do not belong to me. Specifically, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not associated with any credit application or account activity initiated by me. Their inclusion is negatively impacting my credit profile and could harm my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681i ). The presence of these incorrect inquiries violates this law and is causing me undue harm. 

I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please provide confirmation once the corrections have been made and advise on any further steps required on my part. 

Thank you for your immediate attention to this matter.
Product: Mortgage

In XXXX of XXXX, I spoke to a representative named XXXX at Mr. Cooper who assisted me with starting an application for a refinance of my home. XXXX informed me that my credit would not be affected by this application however, he processed it incorrectly and it did affect my credit. When I noticed it did, I asked XXXX if a manager would assist me. The manager XXXX informed me that it would be removed. He informed me that XXXX was new and incompetent and that he would assist me. In XXXX of XXXX, I spoke with XXXX who was very assertive and claimed he would make sure it was removed from my credit report however, nothing happened. XXXX was very abrasive and very short over the phone. I contacted him several time by phone however he never responded. From XX/XX/XXXX to XX/XX/XXXX of XXXX ( I have emails ), I spoke with XXXX via email who asked for much of my information as if he was assisting me with removing the inquiry. XXXX did not help me in removing the inquiry. As of today, this inquiry is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following fraudulent accounts in my file. These items I need to be deleted contains inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these changes. I reported the theft on my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to CARRINGTON MORTGAGE regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/year>. The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for XXXX XXXX  bankruptcy protection. The account I am having an issue with is a XXXX  XXXX XXXX credit card ending in # XXXX which was included in the aforementioned bankruptcy. The issue I have is with TransUnion reporting the incorrect date reported or status date for this account. I recently submitted a letter to TransUnion outlining the incorrect information on my credit report dated XX/XX/XXXX. The status date shows for the XXXX  XXXX XXXX credit card on my TransUnion credit report now shows as XX/XX/XXXX, prior to my correspondence with TransUnion the status date was showing as XX/XX/XXXX. The correct date should be XX/XX/XXXX, the date the bankruptcy occurred the status of this account has not changed since the bankruptcy filing. About a year ago in XX/XX/XXXX I had the same issue with TransUnion, you can refer to my previous complaint # XXXX, in which XXXXXXXX XXXX XXXX responded with the information they provided to TransUnion regarding my account which is they reported the account was included in bankruptcy as of XX/XX/XXXX. The letter from XXXX  XXXX XXXX is attached to the previous complaint referenced above. All the other accounts included in the bankruptcy have date reported as on or about XX/XX/XXXX. The other credit bureaus also show the correct date. For this XXXX  XXXX XXXX account. Due to this error that TransUnion refuses to fix, my TransUnion credit score is significantly lower than the other bureaus. I was recently denied a credit limit increase due to this erroneous error.
Product: Debt collection

Today XX/XX/2021 I received a call from what I believe was a law firm saying they had a claim number for me and they even tried calling my mother but they called me after that. The man said the name of the law firm but said it too fast even when I asked him to repeat it. I kept asking what this was in reference to, all he could say was I had to call XXXX and give them the claim number. I call the number he didnt say who his name was or who he was representing. He goes on saying that something about a lawsuit or some claim was against me for a XXXX year old payday loan with a check that had bounced ( not my intention for that to happen ) and he was pushing me to pay and pay and if I didnt my credit would be damaged and wages would be garnished and all I get is social security XXXX. He threatened me with a lawsuit and garnishment. I tried telling the man that this was beyond the statute of limitations but he got defensive and thats when he started threatening me with all that I mentioned above. I dont know what to do.
Product: Credit reporting or other personal consumer reports

Request for Removal of Charged-Off Account Under FCRA 15 U.S.C 1681 Dear Truist Bank, I am writing to formally request the removal of a charged-off account from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

The account in question which has been listed as charged-off on my credit report. After reviewing the account information, I believe there are inaccuracies or incomplete information that warrants its removal from my credit file. As such, I am disputing this account and will also be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure a thorough investigation is conducted.

According to the FCRA, it is your responsibility to report only accurate and complete information to the credit bureaus. I request that you investigate this matter and take appropriate action to remove the charged-off account from my credit report if any inaccuracies or incomplete information are found.

Please provide a confirmation of your investigation and the actions taken to resolve this dispute.

Thank you for your attention to this matter. 

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

Someone with a different name other than mines requested information from experian to my address. The person does not live at my address and never have. Impression : this person lives at my address and requesting information from Experian. Correct address, wrong name. this individual does not live at my address.
Product: Credit card

I XXXX XXXX am reaching out to the CFPB regarding my Apple Credit Card in which I am owed a balance of $ XXXX. On top of this apple has shut down my credit card for stating that there is a failure to comply with the terms of the Customer Agreement but yet I have done nothing wrong? I was recently audited by the IRS and there were some fishy charge ( s ) on my apple card which apple is known to have high fraud on their credit card. and brought it to their attention. Where does that lead me to a closed account, none of the charge ( s ) that I brought up credited back to me or looked into with a simple statement that the charge ( s ) were authorized. I asked apple to provide proof of how they were authorized and what did they do to come to that conclusion which they were unable to tell me except that they can put the charge ( s ) back under dispute for a secondary investigation. I have no reason to lie there is also due to these numerous billing error ( s ) a late 30 day remark being reported on my consumer credit report for XX/XX/year>. I was never late on this card and if there is a late remark it is due to the billing error ( s ) I have brought to their attention that they fail to resolve. I am reaching out to the CFPB to have this inaccurate blemish on my credit rectified as well as a thorough investigation into these fraudulent charge ( s ) which led to huge billing errors from their finance department.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX