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

I mailed dispute letters in XX/XX/2020 pointing out factual inaccuracies in the ChXXXX Bankruptcy being reported. After getting a response of updated or verified, I sent another letter in XX/XX/2020, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation within the required timeline. I mailed another letter in XXXX, and another again in XXXX informing Lexisnexis to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Product: Mortgage

I asked for a pay-off figure for my mortgage in XX/XX/XXXX from Ditech Financial. They quoted me {$3200.00} which was good until XX/XX/XXXX. I wired them the {$3200.00} on XX/XX/XXXX to pay off my loan. At that time records showed I had {$1100.00} in my escrow account. Before paying off my loan my account had been set on auto withdrawal each month. After receiving my bank statement in XX/XX/XXXX, I discovered they had withdrawn {$960.00} from my account on XX/XX/XXXX even though my loan was already paid off. I contacted them XX/XX/XXXX and pointed this out to them and they told me they had failed to flag my account as paid off and closed, so the auto withdrawal went through in XX/XX/XXXX. They told me they would do an auto deposit to fix the error and it would take approximately 5 business days, but that never happened. I called them back towards the end of XX/XX/XXXX and then they told me they would refund the amount they erroneously withdrew when they sent my escrow check which I should receive within 3 months from the paid off date. I protested this and said I should not have to wait for money they withdrew from my account in error, but they said they had 3 months to return any money they owed me. I then got a check # XXXX for XXXX in XX/XX/XXXX, but it did not include the amount they had erroneously withdrawn, but simply the escrow I had at the time I paid off my loan. I called them back and was told they would check into it. I called back several more times from XX/XX/XXXX through XX/XX/XXXX, but every time I was told something different. First they said they had given me an auto deposit on XX/XX/XXXX when I first called about their mistake, but I told them this never happened, then I was told they had requested the deposit, but it never went through and they would have a person in accounting contact me, but nobody contacted me. Then I was told they had sent me a check in XX/XX/XXXX, but I explained this was only an escrow check and did not include the amount of the XXXX they erroneously took out of my account in XX/XX/XXXX. I have been trying for 5 months to get the money back they withdrew from my bank account AFTER I paid off my loan, but to no avail. I have run a trace with my bank and they have definitely not auto deposited this money back into my account as they said and the only check I got was the XXXX from my escrow. I have an over 3,000.00 homeowners insurance payment coming up next month and I need the {$960.00} back before then. This whole thing has been ridiculous, I never had a problem with this company until AFTER I paid off my loan!!! Any help would be greatly appreciated.
Product: Student loan

In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's  corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX  XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6  months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My  mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month (  which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.
Product: Checking or savings account

I bank with Capital One and my husbands paycheck is direct deposited into our Capital one checking account. We have fallen victim to the tech issues that Capital one is having and have not received his direct deposit that was supposed to be deposited on XX/XX/XXXX. Typically it is received a day earlier but it is now end of the day on XX/XX/XXXX and we have yet to receive the deposit. Capital one sent an email out late in the evening of XX/XX/XXXX indicating problem would be rectified by the morning of XX/XX/XXXX and we still have yet to receive the direct deposit.
Product: Credit card or prepaid card

My auto-pay payment was not processed, and I was hit with surprise late fees. I was charged three late fees totalling about {$100.00} ( on an original purchase of only {$74.00} XXXX before I was able to get ahold of customer service. I called the bank and while they removed two of the late fees when I paid for the original purchase over the phone, they still kept one of the late fees ( conveniently for them, the largest of the three ). 

I have since paid for my original purchase, but my balance still shows positive because of this illegitimate fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.
Product: Debt collection

RECEIVABLES MANAGEMENT SYSTEMS was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. RECEIVABLES MANAGEMENT SYSTEMS was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. RECEIVABLES MANAGEMENT SYSTEMS did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Self company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

[ Urgent ] Support needed to generate my XXXX  Credit score report for a mortgage Hi Team, I am currently residing in XXXX and looking to get a mortgage to buy a home.I live in the XXXX  from XXXX and need a credit score report to share with my bank for the mortgage. Currently I have a bank account with XXXX still open in the XXXX. 

I am unable to generate an online credit report and get an error message. Is there anything that can be done? to give me access to my credit report or we might not get our loan approval in time and lose our home. 

I have tried several times online to generate the report through annualcreditreport.com & on website for XXXX, XXXX, Experian but I am running into errors everytime.
Product: Credit card or prepaid card

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection or closed account found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying identity information to apply for goods, services, or money, and was successful in creating false accounts. All is being investigated by FTC
Product: Credit card or prepaid card

I signed up for an apple Goldman sachs card. I ordered a XXXX XXXX  soon after in order to get the installments to further build credit. The XXXX XXXX never reached me successfully and the order was to be terminated and refunded. That same day XX/XX/2022 I went into a nearby XXXX  location a purchased a XXXX XXXX. I. Ow am being charged for two XXXX XXXX  and my credit card company is giving me the complete runaround about a simple transaction. I really need assistance with this matter
Product: Credit card or prepaid card

A couple of time when it was time for me to pay my I let them know because of XXXX I was out of work or working less hours and didn't have the money for monthly payments also the interest rate went up.no XXXX tried to contact me to help or go down on my payments now my payments are going to a collection. Where I was given a price to pay witch is XXXX dollars on the XXXX of every month right now I'm not working due to I don't work in the summer. I work for XXXX public schools food and XXXX.
Product: Mortgage

In XX/XX/XXXX, I contacted a reality company about doing a short sale on our property. We signed with them to do the short sale process and submittal of all of the paperwork. The reality company said to not make any improvements or any future payments because we were trying to do a short sale. The bank took until XXXX to respond to our short sale offer of XXXX which is the appraised value of the house. We were offered a loan modification but opted out because we did not want to keep the house due to being 48 % upside down, low income housing filled the empty lots in our neighborhood, and we had a home invasion in XX/XX/XXXX and theft the day we moved out. Plus financially we could not afford to keep the house which is the hardship we claimed on the shot sale. We vacated the house in XX/XX/XXXX to aid in the house being shown and move in ready. The reason for the denial was my credit score was above XXXX and that is the only reason given. We listed the house immediately in XX/XX/XXXX We had XXXX showings, but no offers. Our realtor decided to try again for a short sale since all of the non payments on the house have reduced my credit score below the XXXX and my Wife lost her job on XX/XX/XXXX so that added to the hardship. We started the process on XX/XX/XXXX and we received a certified letter on XX/XX/XXXX from XXXX XXXX XXXX, XXXX for the acceleration of maturity and stating that the house will be auctioned off on XX/XX/XXXX for XXXX. According to the paperwork, the house went into foreclosure status on XX/XX/XXXX. This is the only notice that we received about the foreclosure status and the process even starting. All of the new financial information and a new short sale offer of XXXX was submitted on XX/XX/XXXX. On XX/XX/XXXX I was informed by my realtor that Carrington Mortgage informed her that nothing would stop the auction from taking place on XX/XX/XXXX except for catching up the payments. I believe that since I still have PMI, auctioning the house and claiming on the PMI is the only way for the bank to get all of their money and that is the reason for not accepting 2 fair short sale offers and accelerating the maturity of the loan.
Product: Credit reporting or other personal consumer reports

During XXXX and after, Navient kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if Navient was still a loan servicer of mine considering I received correspondence from Advantage saying they have taken on my loans. My rep at XXXX told me Navient is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my credit score. I do not know what to do to stop this.
Product: Checking or savings account

I recently became aware of some refunds or settlements that WELLS FARGO bank has issued related to : Unauthorized Affinion IdentityTheft monitoring services, unauthorized account openings, overdraft fees, identity theft fees etc. I believe I may have been impacted by this, AND I believe WELLS FARGO may have sent the notification letter to an address where I no longer reside.
Product: Debt collection

I received this loan back in XXXX, after world opening back up, they emerged in XX/XX/XXXX. At this time, we just opening the world up I was so confused and out done with this unlethal claim. I was served paper for court twice with unethical fraudulent debt ( Thousands of $ {$9800.00} ). I borrowed {$2500.00} this debt was resolved back in XXXX. Tennessee STATUE OF LIMITATIONS ON DEBT : According to TN Code, 28-3-109 ( a ) states : Under the law of state of TN this unlawful after 6 yrs of the date of debt. This is called statute of limitations for debt collectors. This company have tried to serve me again on XX/XX/XXXX. This is fraudulent behavior dishonesty ; they Reviews will tell you everything about this company and their associates.
Product: Debt collection

Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.
Product: Credit card

I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.
Product: Debt collection

I am being charged from an account with XXXX XXXX and the amount they are asking for is violating the Texas Occupations Code that6 governs " service contracts Section 1304.159 ( c ) which states " A service contract holder whose contract is canceled by the provider in accordance with this section is entitled to a prorated refund of the purchase price of the contract reflecting the remaining term of the contract, based on mileage, time, or another reasonably applicable measure of the remaining term that must be disclosed in the contract, decreased by the amount of any claims paid under the contract. '' XXXX did not prorate XXXX as they are reporting on my credit report. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these accounts, and when I challenge these accounts, its called opening a dispute, I15 U.S. Code 1681e - Compliance procedures. If a credit reporting agency report false information after a consumer attempt to correct wrong information on your credit report, they may be in violation of the Fair Credit Reporting Act ( FCRA ). Similarly, if creditors continue to report false information, they may also be in violation of FCRA if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. I am requesting that XXXX Account # XXXX removed from my credit report Immediately.
Product: Debt collection

I hold Synchrony Bank fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XXXX/XXXX/16 ). This was for account # XXXX. On XXXX XXXX, 2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XXXX/XXXX/16 ) and none was given as well as they did not place a dispute by consumer on my credit report. Synchrony bank as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then Synchrony Bank sent a letter stating on XXXX/XXXX/16 that the account was sold to XXXX XXXX XXXX XXXX XXXX. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX through Comenity Bank and I can not call them, I cant speak with no representatives, I cant make a payment, I cant access my account, I cant do anything and its seem very shady because their system has been down for days! Ive been trying to make a payment since XX/XX/2022 and can not make any sort of payment!
Product: Credit reporting or other personal consumer reports

Im reach out to LexisNexis to have them to verify the accounts belongs to me, They sent this letter telling me they couldnt verify the account and remove them, somehow the credit bureau are saying they verified the account Thu LexisNexis but I have a letter showing that LexisNexis could not verify and it was removed from my public records.This has been going on since 2022 and the case from then is on the upload document I submitted