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

XXXX is reporting XXXX wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are loans from XXXX XXXX XXXX XXXX XXXX, and Fedloan servicing on XXXX, XXXX and XXXX. These loan are not mine and i have reach out to them. Fedloan servicing does not have much information on the loan and are unable to tell me much about it.
Product: Student loan

On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.
Product: Checking or savings account

On XXXX I made a deposit to a hotel at XXXX XXXX XXXX for XXXX dollars. On XXXX the hotel realized the funds to be returned into my account. The money that was supposed to be returned never got returned into my account. I called my bank to see what was going on with the funds that's supposed to be returned to me and eveytime I call I get a different story on what's happening with my money. So they say on XXXX the funds was supposed to be refunded in to my account and never was. The representative that was talking to me was telling me that they supposedly put XXXX ik my account which already was $ XXXX and mad my account balance $ XXXX so if they put {$220.00} in my account why is my account negative when they where supposed to be returning {$220.00} to my account. I continued to try to explain to my bank that if they added XXXX then my account shouldn't have been negative amount but she kept saying the same thing over and over. So I tried hanging up and calling back and over and over, and every time I called a different person would answer and has something different to say every time switching up the story on what happend to my money. So I finally called one last time and asked to speak to higher up manager and was told something different about what happend to the money that's supposed to be sent then in the middle of me talking and trying to figure what's going she hung up on me. My problem still has not been resolved on I been waiting for over a week and a half now and still have no resolved issue
Product: Debt collection

I filed a compliant with the CFPB regarding Synchrony Bank years ago and due to reasons such as my situaion and what the process server did to me - Corp Office Synchrony XXXX said Synchrony Bank was dismissing the court case and not going after me for the money and I have a listing of the cae dismissed in XXXX in court. You have reocrd of this at CFPB. I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX The post office gave me the letter in my mail box despite my old address XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX I resided in XXXX XXXXXXXX, CA. 18 years and move to XXXX XXXX Hud filed complaints against owenr it did not work out after owner signed mediation agreement. I was ripped off by two attonrey and had no place to move to and live. It took me a year to find this place. I am XXXX and XXXX. I do not need this. I was told it would be on my credit report for a few years and I would not have to pay any taxes and the case was dropped. Now, XXXX XX/XX/XXXX I receive a 1009-c for Irs. I am idigent and was cheated out of social security that I worked and paid into and still suffer with poverty SSI XXXX. I do no file taxes. This appears to be intentional harassment as I have report isseus to the OIG of what I have been put through. It was XXXX at Synchrony Corp. I paid for years they made a bundle in internest and they made the choice to dismiss the matter as I described. Can you please help me. This is upsetting me and making my entire situation worse health also. 
Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card

Hello, I have contacted Capital One multiple times regarding an overpayment discrepancy but have not received a satisfactory resolution. I reviewed my credit card statements for the past few months and found total charge issues- XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX Here is the month wise breakdown- XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. I made a payment of {$500.00} on XX/XX/XXXX, with a total amount owed of {$610.00}. 

The statement reflects transactions totaling {$320.00} from XX/XX/XXXX to XX/XX/XXXX, However, transactions posted between XX/XX/XXXX and XX/XX/XXXX, amounting to {$260.00}, should already be included in the {$610.00} balance. I have not counted any transactions made on or after XX/XX/XXXX. 

XXXX XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. My payment is due on the XXXX of each month. On XX/XX/XXXX, the total amount due was {$620.00}, and I made a payment of {$290.00}, leaving a balance of {$330.00}. 

The statement reflects additional transactions totaling {$260.00} between XX/XX/XXXX and XX/XX/XXXX. However, the amount of {$210.00} of these transactions should be included in the {$620.00} balance, as it typically takes 23 days for pending transactions to be processed and reflected in the total amount. I have not included any transactions made between XX/XX/XXXX and XX/XX/XXXX in this calculation. 

XXXX XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX. The total bill amount was {$870.00}, and I made a payment of {$500.00} on XX/XX/XXXX. 

The statement also reflects transactions totaling {$250.00} from XX/XX/XXXX to XX/XX/XXXX. However, if we exclude the transaction of {$12.00} from XX/XX/XXXX, the remaining {$240.00} should already be included in the total bill amount of {$870.00}. 

XXXX I reviewed my credit card statement for the period of XX/XX/XXXX to XX/XX/XXXX, which shows a total balance of {$2500.00}. I made payments totaling {$2000.00} {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. My payment is due on the XXXX. 

The {$2500.00} balance includes transactions made up until XX/XX/XXXX or XXXX, amounting to approximately {$310.00}, as it typically takes 23 days for expenses to process and clear from pending status. However, the statement reflects total transactions of {$340.00} between XX/XX/XXXX and XX/XX/XXXX. Since I made payments on XX/XX/XXXX and XXXX, transactions posted before XX/XX/XXXX ( approximately {$340.00} ) were already included in the total balance of {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a third letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

Additionally, the company sent me a letter on XX/XX/2022 stating that they have reported to the credit bureaus that the account is in dispute. They still failed to provide me with the information I had originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company XXXX XXXX XXXX and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have mailed letters to Equifax, XXXX, and XXXX several different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that once the consumer states the account is not theirs it is to be removed. Also valid proof of the account ownership is to be given as well. A 3rd party company can not speak for a person or consumer so responding with a automated response is violating the law. I noticed some added addresses not associated with me that popped up on my credit report and a late payment that surely never happened on my XXXX account.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting. Please see attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report from XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Fraudulent Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, Unverifiable Addresses : XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and Erroneous Accounts : XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance {$840.00}, XXXX XXXX XXXX Balance {$920.00}, and XXXX XXXX XXXX XXXX Balance {$20000.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 Credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Product: Bank account or service

There were about XXXX disputes on my account that I notified Ally Bank about. I was told that the debit card would be closed and I would receive my money back. Well instead of that happening, Ally added on fees for the disputed amounts. They then reported the fees to XXXX and a collections agency as though I had a negative account. I have contacted them several times to correct this. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.
Product: Checking or savings account

I applied for a Premier Checking account with HSBC on XX/XX/XXXX online. I saw a promotional offer where I was supposed to get 3 % back of my direct deposits, with a maximum of {$100.00} each month. This promotion is still currently active ( can be accessed through https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ ) and I have attached the offers. Starting from XX/XX/XXXX, I deposited my bi-weekly paycheck into the account, totalling {$5100.00} in a single month. I never got any bonus, and I got suspicious in XX/XX/XXXX. I contacted HSBC on XX/XX/XXXX and after multiple back and forth, they concluded on XXXX that I did not apply through their promotional page, even though I am sure I did. They refuse to honor the bonus terms that were clearly stated when I applied for the account. They refuse to take any responsibility for this and deemed this to be fully my fault, even when there were multiple reports online of people experiencing the same issue as mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Discover Card 's dispute department asking that they reverse 3 payments I made to XXXX XXXX in XXXX and XXXX of XXXX explaining that the company strung me along for over a year never providing the service I paid for, which was helping me amend XXXX tax filings to lower my debt. Multiple " case managers '' had come and gone and I couldn't get any help at XXXX with a refund. 

Discover instantly reversed the amounts that day ( {$1700.00}, {$1700.00}, and {$590.00} ) on XX/XX/XXXX and said they'd open an investigation. Then in early XXXX Discover reversed the amounts back! When I called to ask why they said that XXXX never responded to them ( as expected ) and I hadnt provided documention. 
I have since provided Discover a summary of what XXXX put me though, along documentation of emails showing how nothing was ever accomplished only to have them tell me the charges are valid. I've also called multiple times and spoken to half a dozen people in their dispute department who agree that I was swindled and express sympathy only to recieve form letters and emails from Discover refusing to reverse the charges, saying they decided they are valid. I truly don't understand. I am Discover 's customer but they don't want to help me. It's a lot of money and XXXX absolutely did not provide the service promised. I ended up tapping my XXXX to settle my debt. I feel cheated by both companies. It's extremely disheartening and has cost me a great deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington XXXX  XXXX XXXX. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX WA. Now this account is showing on my XXXX credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX XXXX XXXX to please provide proof of me giving then my signature for this Loan. My request is for XXXX, Experian and XXXX to delete this account one and for all from my credit report. XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g. 

Account name : XXXX XXXX  Accounts numbers : XXXX ) XXXX and XXXX ) XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent.

Enclosed are copies of my identification documents to assist in your investigation.
Product: Mortgage

WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS  FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX  IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Corncen : I am in disagreement with the items listed below which still appear on my credit report, even after your invstigation. I would like these items immeadiately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. ) LVNV FUNDING LLC - Account Number XXXX XXXX  Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may folllow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

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

XX/XX/2020, {$2100.00} was charged to my XXXX XXXX for XXXX   work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with XXXX XXXX but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my XXXX XXXX is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from XXXX XXXX ( XXXX XXXX ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Experian removing a debt to XXXX XXXX XXXX  from my credit report due to identity theft in early 2019 then adding it back mid to late of 2019 with no notice or explanation of debt validation.
Product: Credit card or prepaid card

On XX/XX/2019 charges of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX label Fraud Dispute were added to my credit card balance with no corresponding letters or anything in the mail. I did not authorize those charges and have gotten no updates in the mail from BoA about the refunds even though after calling I was told that was going to be reverted Further, this then happened again on XX/XX/XXXX for XXXX and XXXX and the letter that accompanied this was one stating these charges are being added back on due to a mistake. However, again I did not authorize those charges and I do not know what it is associated with.