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

I had multiple fraud charges on my account with Usaa the temp refunded them after they concluded I was at fault I have repeatedly tried to over turn the results because I did not do it and Ive been repeatedly told yes I did
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion and other credit services on XX/XX/19 and still havnt received my answer. Its well over 30 days and Im tryin to buy a home
Product: Mortgage

As I previously submitted. BBT gave a loan that was classified as commercial loan which was from the start, out of our paying ability. The initial loan was given in excess of the value of the property. BBT has stopped sending statements, and has stopped responding to my request to review their predatory lending policies and to make correction in the loan. Further, the refy loan was provided without asking any questions of the borrower. While they did go on line to review the household income, which was approximately {$1000.00} per month, XXXX, No other documents, no application were required and it was mentioned that the loan would never be paid off in my dads lifetime. Which was true, however, when BBT and were informed in the acquired knowledge above they failed to respond and to date have stopped acknowledging my correspondence. On a monthly basis the loan and interest far exceeded the amount of monies bought into the household on a regular basis. There is no clear explanation of loan and what is covered under the loan. Further, the lender has denied me any reasonable explanation in the loan/process/ restitution and present status of the loan. In addition, I am asking the loan be totally forgiven and restitution be made to POA since it was predatory in nature. 
It appears that BBT preyed on senior citizens and failed to follow the regulatory rules as set forth as a lending institution/mortgage. They are clearly predatory lenders. 
The desired resolution is to have BBT forgive the loan in its entirity and restitution for years of unfair preducial, and predatory practices. The income was approximately {$1000.00} net and the loan including monthly interest is {$370.00} times XXXX each month payment is the same or close to the interest amount monthly. How can that be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and accounts on my credit report that I didn't apply for.
Product: Credit reporting or other personal consumer reports

I made payment that the Ally people asked for They then showed a 60 day late. without any 30 day lates. 
I oaid what they asked for on the day. XX/XX/year>. and got a confirmation that I sent them. 

They still say it was a late payment They have made multiple mistakes with payments on both my accts over the last two years.
Product: Mortgage

My Mortgage Company, Ocwen Loan Servicing, has completed my escrow analysis based on erroneous Information. The analysis stated that I did not have flood insurance, when in fact I do, through XXXX XXXX XXXX XXXX XXXX ( as of XXXX XXXX, 2015 XXXX. I have provided proof of insurance via email/fax and have proof my mortgage company received the updated report. Ocwen is insisting I continue to pay the significantly increased mortgage escrow XX/XX/XXXX which I can not afford. I have explained the situation and shown proof of insurance, however, they insist I will go into foreclosure if I do not pay the amount they request. 

It seems to me they want me to go into foreclosure and are unwilling to assist. I will also note that my original loan was with XXXX and was subsequently sold ( unbeknownst to me XXXX to XXXX. 

I do not clearly understand how I can be charged for something I did n't request and already have from another carrier. This is theft in the worst way. I am a minority woman raising XXXX children on my own. I hold a full-time job and all of my children are in school - how is it possible that a mortgage lender can blackmail me in such a way?? 

Please help! 

Thank you.
Product: Debt collection

I am writing to dispute an inaccurate entry on my credit report related to the repossession of a vehicle. After a careful examination of my credit report, I have identified a significant error that is adversely affecting my creditworthiness. The issue at hand involves the inaccurate reporting of late payments, specifically 30-day, 60-day, and 90-day late payments, multiple times in connection with the repossession of the mentioned vehicle. They also never sent me a notice of sale or cancellation of contract since they sold my vehicle. they sent this to an old address. when i attempted to get the car back it was already sold. i was never told where the vehicle was etc.

The inaccurate listing of late payments is causing considerable harm to my credit score and is misleading as it suggests that I was delinquent on payments after the repossession had taken place. It is illogical and impossible for a repossessed vehicle to have accrued 90-day late payments multiple times when I no longer had possession of the vehicle.

This inaccurate reporting is damaging my creditworthiness and creating an unjust representation of my financial history. I request that you thoroughly investigate this matter and correct the entry accordingly.

The misreporting of this account has persisted for an extended period, and I have made previous attempts to rectify this issue without success. Given the prolonged and damaging nature of this error, I must insist on the immediate correction of this inaccurate information in which I expect to see the item removed from my credit report as it has been inaccurately reflecting on my credit for long enough, hurting my credit worthiness and violating my rights under the Fair Credit Reporting Act.

I expect a thorough and timely investigation into this matter, in accordance with the Fair Credit Reporting Act ( FCRA ). If this dispute is not resolved within the legally mandated time frame, I am prepared to take legal action to protect my rights.

Please provide a written response within 30 days from the date of this letter, confirming the correction of the inaccuracies on my credit report. 
Thank you for your immediate attention to this matter, and I appreciate your efforts in rectifying this issue promptly.
Product: Debt collection

This debt was already paid and I sent them a dispute letter about it and they never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an ongoing identity theft dispute with Navy Federal Credit Union for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. NFCU on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and XXXX as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.
Product: Student loan

After completing my course and paying on my loan for 13 years they refused to release my cosigner. The school I attended at the time has gone out of business so I was unable to get a copy of my completion certificate. I lost my original and tried to get another only to discover the school had gone out of business. I have been paying on this loan for 13 yrs, what difference does if make if I completed the course? Whether I completed it or not, I am still obligated to repay the loan. Not having a certificate saying I completed the course does not justify not releasing a cosigner after 13 yrs of payments. I just found out one of the Navient law suits is about cosigner releases.
Product: Debt collection

I recently saw a collection account that was placed on my XXXX credit report added by a company called Vance and Huffman , LLC. The amount is for {$820.00}. It also states that the account was opened on XX/XX/XXXX. 

This is incorrect and I have not received notices from any collection company, nor have I received any phone calls from individuals claiming that I have a debt. 

In fact, this account is older than XXXX ( XXXX ) years and should not appear on my credit report. 

I am requesting that this illegal collection be removed from my credit report immediately I received a nearly XXXX drop from this. I am furious. I have no debt, and I take pride in that fact. 

I did go through a hardship in XXXX, but I paid all of my debts in XXXX swoop and have not had any defaults since. 

This practice should be investigated as it is not the first time a debt older than XXXX * ( XXXX ) years has appeared out of nowhere. 

Ironically, I started using the service XXXX and did so for nearly XXXX years when I canceled my subscription. About a month after canceling, a debt that was nearly XXXX ( XXXX ) years old appeared on my credit report. I ended up contacting XXXXXXXX and signing back up with them to remove the illegal collection. I was on auto-pay with them for nearly another year when XXXX of my cards was compromised during travel. I let my XXXX subscription cancel and never re-signed. Now, just a few months later, another old collection is popping up. 

I am submitting a separate complaint against XXXX as I believe they are sharing canceled membership information with third-party collection agencies in an attempt to get members who've canceled back as customers.
Product: Credit reporting or other personal consumer reports

I got a XXXX credit card in XXXX. IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all 3 credit reports.
Product: Debt collection

Between XXXX and XXXX this morning ( XXXX XXXX, 2017 ), this collector called me 15 times in a row. Many times, calls were overlapping other calls, filling up all of my auxiliary lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} AXXXX XXXXXXXX Balance : {$43000.00} XXXX XXXX Balance : {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Pay Pal and all 3 of the credit bureaus certified letters with documentation that I have been a victim of Identity Theft. Police reports, an Identity theft report, a letter from a physician 's office clearly stating that their records were accessed by an unauthorized person and that my information has been compromised. A copy of my driver 's license and social security card. I have written them 3 xs explaining the situation and they have only responded once with they need more time. It has been 6 months and they can not produce any documentation to support that these accounts belong to me. They are breaking the law by not removing and blocking this information from my accounts. They are causing damage to my credit.
Product: Credit reporting or other personal consumer reports

Subject : Equifax Reinserted a Fraudulent Account After Identity Theft Report orginal complaint # XXXX Complaint Details : I am filing a complaint against Equifax for reinserting a fraudulent account that was previously removed from my credit report. The account in question belongs to XXXX XXXX ( XXXX ) and was deleted in XX/XX/2023 after I filed a valid identity theft claim through IdentityTheft.gov. 

However, this account was wrongfully reinserted on my Equifax report without : Proper written notice within XXXX business days ( FCRA violation ) Valid documentation from the furnisher proving the debt is legitimate Respecting the identity theft block required by law Since this account was previously removed, it must remain blocked unless XXXX XXXX provides certified proof that it is NOT fraudulent. Equifax and XXXX XXXX have failed to provide any such documentation. 

I demand the following actions : Equifax must immediately delete this account and confirm its removal in writing. 
XXXX XXXX must stop reporting this fraudulent account unless they provide verifiable proof. 
Both companies must comply with the FCRA, or I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account here and it was paid and closed yet they changed the close date and since this in an inaccurate information that is grounds for deletion. Credit agencies are not supposed to be moving my close date as that is incorrect information and trying to keep this inaccuracy on my credit report for a longer period of time.
Product: Debt collection

I have XXXX accounts in collections from companies and apartment complexes that I've never live at. All these companies are from different states which has me fraudulently in debt for {$120000.00}. This debt isn't mine and someone is using my information somehow.
Product: Credit reporting 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 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 an account without my written instructions.
Product: Credit card

Subject : Response to CFPB Complaint Regarding Lowe 's and Synchrony Bank - XXXX XXXX To the Consumer Financial Protection Bureau ( CFPB ), This letter is in response to the complaint I filed on XX/XX/XXXX against Lowe 's and Synchrony Bank concerning my credit account. I am writing to provide further details and request your assistance in resolving this matter. 

My initial complaint outlined how Synchrony Bank, the financial institution handling Lowe 's credit accounts, drastically increased my interest rate from my original agreed-upon rate to 31 % after I filed my complaint with the CFPB. This change was made without my knowledge or consent. I only discovered this exorbitant rate hike when I attempted to make a payment and noticed that only {$2.00} of my nearly $ 200 monthly payment was being applied to the principal balance. 

Upon contacting Synchrony Bank, I was informed that the increased interest rate was due to my payments not being " fast enough. '' This explanation is unacceptable, especially considering I have never missed a payment. I requested a hardship review due to the financial strain this sudden and unjustified interest rate increase placed upon me. Instead of working with me, Synchrony Bank further penalized me, claiming I was not paying enough and subsequently lowering my credit limit. This action, combined with the predatory interest rate, has effectively pushed me toward default. 

Furthermore, Synchrony Bank 's internal investigation into my complaint appears to be flawed. They contacted me, disputing my account records, even though I provided documentation supporting my claims. They suggested that the issue was separate from Lowe 's, which is illogical, as I am making payments to Synchrony Bank for the Lowe 's credit account. Their attempts to distance themselves from Lowe 's while simultaneously collecting payments for them raise serious concerns.

I believe Synchrony Bank 's actions are predatory and potentially illegal. I am requesting the CFPB to thoroughly investigate this matter. I am not convinced I am the only consumer being treated in this manner. 

Specifically, I am requesting the CFPB to : Investigate Synchrony Bank 's practices regarding interest rate increases and account management. 
Consider legal action against Synchrony Bank for their predatory behavior towards consumers.

Order Synchrony Bank to correct my account by : Reinstating my original interest rate.

Applying all payments correctly to my principal balance. 
Restoring my original credit limit. 
Providing compensation for the financial harm caused by their actions. 
I currently owe approximately {$4000.00} due to these unfair practices. I am requesting assistance in resolving this debt fairly and restoring my credit rating, which has been negatively impacted by Synchrony Bank 's actions. 

My contact information is : XXXX XXXX [ Your Address ] [ Your Phone Number ] [ Your Email Address ] Lowe 's address : XXXX XXXX XXXX XXXX, NC XXXX Thank you for your time and attention to this important matter. 

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

Experian Credit Reporting Agency The credit reporting agency Experian has refused to do and provide accurate investigation results. The inaccurate info they are reporting is hurting my ability to obtain credit for business and personal reasons. Ive tried to dispute the inaccurate information multiple times and still havent be provided proof of the account being mine. 

The account they refused to proof for is : XXXX XXXX XXXX Services XXXX
Product: Debt collection

XXXX XXXX initiated a suit against myself which I was served with on XX/XX/year>. As required by law the agency is required to contact you which gives you the opportunity to settle/dispute said debt. I had not received any communication ( phone, written or mail ) and was not given the opportunity to settle the debt before the lawsuit was filed. I request the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX, XXXX complies with all legal requirements in their debt collection practices. Also, I will accept any guidance on how to proceed with this situation and protect my rights as a consumer. Thank you for your attention into this matter.
Product: Mortgage

My husband and I received a letter from Santander Bank about our mortgage indicating that they had not received our last payment and that we owe {$2900.00}. I called the bank and they said that they are not dealing with mortgage issues because First Bank acquired them ; therefore, I had to call First Bank. I called First Bank and they inform me that on their end, all payments are up to date and there is no issue. Even so, my credit scores and my husbands credit scores went down more than 50 points which because Santander closed our mortgage.

Now we do not understand why we are being penalized in our credit scores for something that is not under our control. We called XXXX and XXXX  and they both explained that it is automated by a
formula. Which we understand, but the formula does not contemplate that we had nothing to do with the change of bank portfolios! Is there any way this can be fixed and get our credit scores in good standing? We have responsibly paid all our debts and have worked hard to
better our credit scores, especially after Hurricane Maria when everything was such a mess. 
I am available to talk about this : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a line of credit with XXXX XXXX. I secured a low-interest loan through a local lender who sent a payment of {$71000.00} to XXXX XXXX XXXX XX/XX/XXXX. XXXX cashed the check, but didn't apply it to my account until XXXX. They retroactively applied the payment to XX/XX/XXXX to stay within their XXXX business days of applying the payment. However, since it took so long for them to apply the payment, I made a monthly payment, thus reducing my balance owed, and now I am owed an overpayment of over {$3000.00}, as confirmed by multiple customer service representatives. I was told that my refund would be electronically sent back to the same bank account that was used the entire time. This was all fine. However, I have yet to receive the overpayment for a payment that was mailed initially on XX/XX/XXXX. It is XX/XX/XXXX. 

I've called three times in two weeks to inquire about when I would receive my overpayment back to my account. First, I was told 3-5 business days, so I waited 5 business days. Last week, I called and was told that my overpayment was requested on XX/XX/XXXX, and it would take 10-14 business days. I asked what date the XXXX business day was, and I was told it was XX/XX/XXXX. I still don't have my overpayment returned to me, so I called again today. The overpayment is back in some sort of " loop, '' said the representative, so now I may have to wait another 3-5 business days to hope that I get the {$3000.00} that is owed to me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}