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

My mortgage with my home is held with SunTrust ( now Tuist ), I make my monthly payment through my online bill payment system every month and on time since the mortgage started 3 years ago. The payment I make is for {$1800.00} per month including principal, interest, and escrow. I made the XX/XX/2020 payment for {$1800.00} on XX/XX/XXXX and SunTrust cashed my check immediately. 

SunTrust recently increased the payment to {$1800.00}. I did not see this and so my XXXX payment was short. Instead of notifying me about the shortage for XXXX tey reported me to the credit agencies for non payment. My credit score dropped by 100 points immediately. 

I contacted the SunTrust credit department and was told that was not there problem and the payment was short and their actions were justified. 
Please advise if anything can be done, I find SunTrusts actions to be unreasonable and my concern is they were gauging me on the escrow account with was still funded. 

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

I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Please delete remove all the following addresses : 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 I have never lived at these address please delete them.
Product: Credit card

I recently obtained an Amazon XX/XX/XXXX credit card from Synchrony Bank, ending in XXXX. Because I don't like to be late on payments, I set up auto pay to be deducted from my checking account. The screen said my first payment would be deducted by XX/XX/XXXX, my due date. 
Today I logged onto my account and see that my account wasn't credited. I immediately made a payment and then called Customer " Service ''. 
XXXX told because my account has been open less than 6 months, my payment won't be applied for 20 days! That's the most ridiculous thing I've ever heard, and I BELIEVE IT TO BE FRAUDULENT. She said she would refund the late fee, but this practice should not be allowed to continue.
Product: Credit reporting

I disputed the late pay indicated on my credit profile, that transunion updated on XX/XX/2016, still showing it was late, but I have a letter from XXXX dated XX/XX/2016 stating it was in deferment and not late. This indicates that Transunion did not investigate the issue reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I do not recall missing a payment for capital one nor XXXX XXXX XXXX. I reached out to these two companies time and time again to help correct the error and I was informed that the matter would be handled accordingly. I was told that it was an error on their part and the issue would be forgiven. This has not updated to reflect on my report and I am pleading with you and to please correct the error.
Product: Checking or savings account

On XX/XX/2020 I initiated two transfers in order to draw my account to {$0.00} in advance of closure. Transfers were declined and now I find that I am unable to close my checking and saving account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against CREDIT WORLD SERVICES, INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties ( CHARGE OFF ) is now considered a CERTIFICATES OF IDEBTENESS, constituting INCOME that CAN NOT be reported as outlined in the Internal Revenue Code. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME CA NOT BE REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against CREDIT WORLD SERVICES , INC. Additionally, I urge you to ensure that my credit profiles are corrected expeditiously by completely removing this information in compliance with the FCRA and IRS regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.
Product: Checking or savings account

I first signed up for a US bank account under a promotion for {$300.00} on XX/XX/XXXX. There was an error in creating the account which froze the account and made me unable to sign up for online banking, add the account to other banks, or send direct deposits to the account. The terms of the promotion were that I needed to receive {$2000.00} in direct deposits within 60 days of opening the account. 

It took US banks technical team until XXXX to finally get my account fixed. By this time the 60 days had passed. I requested and was denied an extension to meet the terms for the promotion. I was frustrated by the service and requested my account be closed on XX/XX/XXXX. I wrote this date down in my records as the date the account was closed. Looking back, I found XX/XX/XXXX was the date that the account closing was finalized. 

In the meantime, I received an offer to open a US bank credit card and took advantage of it. I was once again interested in a relationship with U.S. bank. I read the terms of their new promotion for the bank account and it said I was eligible as long as I hadnt held an account with US bank for 6 months. So I waited what I thought 6 months till XX/XX/XXXX and applied again. My bank account was opened again XX/XX/XXXX. This is three days from XX/XX/XXXX which is 6 months from when my account was actually closed. 

I completed the requirements of making {$4000.00} worth of direct deposits to the account for a bonus of {$400.00}. The bonus did not post automatically and I reached out on XX/XX/XXXX inquiring on the status of the bonus. 

I received the following response : " This is XXXX with Email Operations, and I appreciate the opportunity to help you today. Knowing the status of the promotional offer is important. 

I can confirm that the promo code XXXX was placed on the account when it was opened and that e-statements were signed up for before the cutoff of XX/XX/XXXX. '' The promotion still didnt post so I reached out in XXXX to customer support and was told this time that I was ineligible for the bonus because I had a US bank account within the last 6 months. I missed the deadline by three days because U.S. bank took so long to close the first account.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for a personal loan with Lending Club. I began making my monthly payments of {$730.00} on time from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I requested to defer my payments due to loss of hours and it was approved until XX/XX/XXXX. On XX/XX/XXXX I sent a new request to defer my personal loan due to decreased hours at work due to COVID 19. That request was denied. I called once again in XXXX to request a deferment due to loss of hours again related to COVID 19, and my spouse 's loss of income due to separation from the military. I was again denied. I continued to try to make any payments that I could- XXXX {$500.00} XXXX {$730.00} XXXX {$500.00} XXXX {$730.00} XXXX {$1000.00} XXXX {$800.00} XXXX {$1000.00} Prior to COVID-19, I have not had any issues paying the loan. As a result of my inability to pay, my credit report reflects 30-60day late payments, and has drastically decreased my score.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following disputed account is a fraud account as I have never opened or used it : Elan Financial Services account XXXX Please investigate and delete asap.
Product: Credit card

I was notified in an email of a fraud alert on my credit card and was asked to provide some documents to verify my identity. I provided such documents and after 6 weeks noticed that my account was in the same status. I called to determine the nature of the problem and customer service personnel informed me that they needed further proof of my identity. No one had called me or emailed me during this time to say that additional information was needed.
Product: Debt collection

In XXXX, an adverse account entry began appearing on my credit reports regarding an unrecognized {$57.00} medical debt from XXXX. I never received any notice or information regarding this charge, what service it relates to or where it originated from. I have always maintained health insurance which covers most of my medical expenses and pay my co-pays, deductibles and other charges that are my responsibility at point of service. I have attempted multiple times to dispute the entry and obtain further information. The item has been removed and sold to a new debt collector who then reports it. Currently, the credit information furnisher/debt collector is PARAMOUNT RECOVERY SYSTEMS.
Product: Checking or savings account

XX/XX/2023 around XXXX I XXXX XXXX XXXX a applepay ( thru my US Bank Debit Card ) deposit of the amount of {$210.00} to US Bank ATM Machine at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX KS XXXX. After the deposit, I received a error receipt stating my deposit isn't reflecting my balance. This has never happen to me before! I called customer service and filed a claim with the representative, giving the rep all the information on the receipt they needed to fix and track my deposit. The rep told me it will take up to 10 days to finish my claim and recover my deposit to reflect my balance in my checking account. 10 days went by, and the claim was REJECTED, due to lack of information needed. I called customer service, and they stated they was missing XXXX and address, so they rejected the claim. I confused because I gave all that information to the claim representative in the beginning. I file another claim, with the physical address XXXX XXXX XXXX, XXXX XXXX, KS XXXX. Couldn't give them the transcode, because I no longer have the receipt. During the process of the XXXX claim, the claims department stated they needed more information, and wanted to know if I used applepay to make the deposit? Of course I said " yes '', and that was a week ago from the date of this claim.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Communication Regarding [ XXXX and XXXX ] Please Report to sender, I am writing to you regarding the above-referenced account. I request that you cease and desist all communication with me concerning this debt, effective immediately, as per my rights under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that any further contact from your agency regarding this matter will be considered a violation of the FDCPA, and I will be forced to take appropriate action to protect my rights. This includes, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General 's office. 

Thank you for your prompt attention to this matter. 

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

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : 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 I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX has violated my rights. 

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
Product: Checking or savings account

I have an account with XXXX XXXX XXXX and I mailed a check with bill pay back in XX/XX/XXXX. Somone other then the intended payee cashed the check mobile deposit with BMO Harris bank and the account number it was cashed to was listed on the check. My bank filed a fraudulent claim in XX/XX/XXXX and they are still waiting on this to be resolved in XX/XX/XXXX and I have not received my money back for the forgery of the check.
Product: Mortgage

Kb homes issued a pre-qualified that tied me up for months on a home they couldn't close now is priced XXXX higher than before. Now all homes are priced higher as a result of there negligence and I took a big lost.. they should have been honest from the start about the inability to close the deal they had very poor communication and I did everything in my part to make it possible. They kept telling me that the loan was okay and everything was fine to in the end canceling purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX GM Financial XXXX. XXXX  XXXX XXXX, AZ XXXX To whomever it may concern : GM Financial Account Number : XXXX I am reaching out in regards to my above listed account and the negative reporting GM Financial has submitted to the credit bureau. As of XX/XX/XXXX I have provided GM financial with my registration cancellation receipt as have requested. The XXXX XXXX vehicle I had financed through them was totaled in an accident. I had purchased the vehicle in XX/XX/XXXX and therefore I should not be responsible for the tax in the amount of {$430.00} tax from the XXXX Municipal Tax Collector. As you can see form the attached documents this information was submitted in XX/XX/XXXX as you requested ( Fax Confirmation ). 

My most recent credit report shows that GM Financial has reported this as unpaid and past due. I have spoken with GM financial several times and each time they have confirmed that the tax abetment was approved but they have failed to take any action to have this removed. I have spent several hours on the phone with GM Financial and several weeks waiting for replies. As of XX/XX/XXXX, six ( 6 ) months have passed and they have failed to take action on this. I have also opened several disputes with the credit bureau and each time they reach they have come back with confirmation from you that this amount is in fact past due on my account and the reporting can not be removed. 

They have shown to be very irresponsible with how this matter was handled. I have been patient and provided all info they have required, but this matter is affecting me financially as I am unable to refinance my student loans and apply for a mortgage due to this. I am very disappointed that they have not taken ownership to see this matter through and have allowed it to continue for this long. I have requested a simple letter form them to provide to the credit bureau but after confirming they would provide it over a month has passed and I have not received this information. 
This will be the last step I take before taking legal action towards them for damages due in accordance to the interest paid in loans that I am unable to refinance and have to pay higher rates on due to this reporting. 
I am very disappointed that this matter was not handled accordingly. 


Sincerely, XXXX XXXX
Product: Student loan

I attended digital craft in XXXX, GA on XXXX. XXXX is part of the XXXX XXXX XXXX XXXX, which is accredited by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a regional accreditation agency recognized by the U.S. Department of Education. 

I never received the mandatory private education loan applicant certification form or was made aware of alternative federal resources from my lender or school. Pursuant to Section 155 of the Higher Education Act of 1965, as amended, ( HEA ) and to satisfy the requirements of Section 128 ( e ) ( 3 ) of the Truth in Lending Act, a XXXX XXXX XXXX now known as XXXX XXXX Lending must obtain a self-certification signed by the me ( applicant ) before disbursing a private education loan. The XXXX is required on request to provide this form to prior to receiving the payment from the lender. At the time i initiated the loan application on XX/XX/XXXX, I was not given any additional resources besides skills fund loan program credit application.
Product: Credit card

I was on XXXX 's wesbite browsing and came upon their American Express cash back rewards program. I am a XXXX member and this program is exclusive for members. I clicked on the link and read about the rewards and benefits. At no point in time did any disclaimer pop up or was displayed telling me the relationship between XXXX and American Express would expire in XXXX 2016. I clicked on the link which took me to the application process on the American Express website. Again, there was nothing during the application process on their website telling me their relationship would be expiring. Now the whole point why this program would interest me or any other XXXX member/consumer is because of the rewards and benefits. I had to learn from a friend after the fact I had applied for the American Express card that their relationship would be ending. This is very misleading and unethical on the part of both XXXX and American Express. If either company had made it known on their websites or during the application process their relationship would be expiring soon I would n't have applied. This needs to be done to protect the consumer and so a sound fair decision can be made by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. XXXX reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from XXXX and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
Product: Credit reporting or other personal consumer reports

I started disputing this incorrect information for over a year now. 

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 have unauthorized inquires on my Equifax consumer report. I have contacted the creditors to get these fraudulent inquires removed but have had no success. I have also reached out to the credit bureau on multiple occasions by mail and phone to have these fraudulent inquires removed from my credit report. The unauthorized inquires 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 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 reporting, credit repair services, or other personal consumer reports

I have several inquiries that I didn't authorize from XXXX XXXX and Car dealers. They are listed on my Equifax report.