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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

Collector debit bank account removing XXXX benefits and refuses to accept responsibility for actions despite documentation showing their error. This is on a tax lien which is owed, however XXXX benefits are exempt according to documentation given to me by the collector. I have spoke with XXXX and am in the process of a hardship submission. Premier Credit refuses to work with me and has placed my held in danger.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

lvnv funding is a third party company that i do not owe the account was sold to this company i have called an sent letters one man told me an was very nasty about it,, states that we are not going to remove it.i do not owe this third party company i never signed nothiing with them i need them to be removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX pa XXXX Im wiritng to request to remove the fraudlent items on my Credit report. 
the information listed below which appear on my credit report, does not relate to any transactionls. notice how it was charge once and never been use again. it is the result of identify them I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Fraud Account Account Name : XXXX XXXX XXXX Account Number : XXXX Account Was Open : XX/XX/XXXX Balance : {$490.00} _________ Account Name : XXXX  Account XXXX When Account Open : XX/XX/XXXX Balance : XXXX ________ Fraud Inquiries : inquiry Name : XXXX XXXX XXXX XXXXnquiry Date : XXXX XXXX, XXXX
Product: Bank account or service

I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.
Product: Credit card

I have an Amazon credit card issued by Synchrony Bank. I am trying to understand payment allocation and interest application policies used for this account but online information and customer service were not helpful. 

The website offers XXXX payment allocation methods. The standard, option 1, applies payment amounts in addition to the minimum payment to interest accruing, non-promotional balances first and then promotional balances ... except in the last two months of an expiring promotion where anything in excess of the minimum gets applied to the expiring promo balance. Option 2 applies the ENTIRE payment, including minimum payment, to non-interest accruing promo balances. Option 3 seems to do the same thing as option 1. 

My questions are : 1. How is option 1 different than option 3? 
2. How is the minimum payment calculated and applied for each allocation method? 
3. In a statement period where I have a non-promotional balance AND ALSO an expiring promotion, how do I calculate the payment amount required to pay off the expiring promo balance in full and also the non-promotional balance such that no interest is charged on either. 

4. In the above scenario, which payment allocation option would be most suitable if the goal is to not pay any interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute for inaccurate payment history from Arvest Central Mortgage. Arvest reported my XX/XX/XXXX payment as 30 days late ; however, this mortgage was paid off on XX/XX/XXXX. I submitted a document showing the payment record from Arvest to XXXX, and disputed this with the company directly. Both Arvest and XXXX  have refused to remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint against Synchrony Bank ( Amazon Store Card ) for erroneously sending my account to collections based on a false credit report indicating that I had filed for XXXX. This XXXX entry was a mistake and did not belong to me and has since been removed from my credit report by XXXX and XXXX. Despite this correction, Synchrony Bank has refused to conduct a thorough investigation that would verify the XXXX was never mine. XXXX XXXX and XXXX XXXX, which have reinstated my account and updated my credit report accordingly, Synchrony Bank is the only creditor that has not taken similar actions and has instead sent my account to collections. This situation clearly violates the Fair Credit Reporting Act ( FCRA ). 

I am unwilling to pay a collection agency and allow it to negatively impact my credit report for an issue that could have been easily verified by contacting the bankruptcy court with the case number you have on file. The court would confirm that my social security number is not associated with that bankruptcy that synchrony bank has on file. 

I have made multiple attempts to contact someone regarding my account, but have been met with unhelpful responses. The customer service representatives have been rude and unwilling to address or discuss my issue. Additionally, when I ask to speak with a supervisor, I am transferred endlessly or my call is never answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account listing above this is a invalid late payment the fcra allow 30 days for this to be rectify. privacy violation please delete this is a invalid late payment please show proof or delete late payment
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> I return the vehicle back to XXXX  XXXX XXXX. So I have a mark on my credit report that I'm XXXX  days late which that information is incorrect.
Product: Student loan

Wells Fargo would not allow me to pay my loan with my XXXX Checking account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes. 

The response to my first formal complaint was ridiculous. They never sent me any letters. They do not send certified mail, therefore they can not prove that they sent me anything. Furthermore, they did not address their failure to log in the numerous calls that I have made when I tried to get the issues resolved in XXXX. This is there doing and I want every person that I have spoken to fired.
Product: Mortgage

I am writing to dispute the amounts on our Loan Modification with  Chase, which was dated XX/XX/XXXX. Our original Mortgage, dated XX/XX/XXXX began with an original unpaid principal balance of {$86000.00}. The Loan Modification recites an unpaid principal balance of # XXXX and an additional {$29000.00} with a new unpaid principal balance of {$110000.00}. I have requested information from Chase Specifically, 1 ) What was the original unpaid principal balance when the Loan Modification was written.

2 ) How the new unpaid principal balance was calculated and or adjusted 3 ) How the additional adjustments were calculated and what they comprised of. 

I have requested copies of mortgage statements 3 years prior the the modification so that I can see the unpaid principal balance. Their response only consists of statements which I do not understand and work off of the current unpaid principal balance, NOT FROM THE ORIGINAL MORTGAGE. Our mortgage was 16 years old when this modification was written and the new unpaid principal balance incurred over an additional {$30000.00} in adjustments! 

I feel as though we were victimized by Chase and taken advantage of during our financial distress. This modification was written during a time when thousands of foreclosures were being penned through with unfair practices and fraudulently inflated expenses.

We feel as though the amounts on the Loan Modification are unjust and overly inflated.
Product: Credit reporting or other personal consumer reports

Saturday, XX/XX/2024 Dear XXXX & Equifax Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete themL ( 1 ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( 2 ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2014 I had a XXXX in The XXXX XXXX in XXXX FL. I was taken to XXXX XXXX XXXX Hospital XXXX. The hospital was given my Insurance information, XXXX and XXXX and all of medical bills were paid by XXXX XXXX XXXX XXXX XXXX and any bills related to this accident paid by XXXX or XXXX were reimbursed through XXXX. I was searching my credit report online and was wondering why my credit score was was so low and I found in the Collection ( s ) Part all these bills from a XXXX. XXXX, XXXX and XXXX in XXXX, FL attached to the the accident that were never billed to me or XXXX XXXX XXXX Company. When trying to resolved the problem I could not obtain bills from this Online Info Service Collection Company or the doctors putting these charges in collections. XXXX XXXX and I have tried numerous times to get bills related to this doctor group but no one is able to assist us. The name of the Collection Agency is, Online Info Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX XXXX and the Doctors are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX. Please help me to resolve this and get this off my Collections on my Credit Score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX
Product: Debt collection

I did not open the credit card from XXXX XXXX XXXX, the debt collector is after me because they think that i opened and used this credit card but I haven't. they were a result of identity theft and I wasn't aware of this until I accessed my credit report. 

i was outside the country when the credit card was used. 

I filed a police report and brought the issue to court but the suspect comitted perjury, lied to the judge by using empathy and denied all 10 credit cards that he opened under my name and made a promise to repay those credit cards.
Product: Credit reporting

Please help as account # XXXX has been reinserted on my credit report for the third time and the dates have been changed. The first time this account was on my credit report under " XXXX XXXX '' # XXXX and was deleted. Now, the same account is showing up under " XXXX XXXX '' # XXXX with changed dates. Please have this account removed off my credit report ASAP as if violates the Fair Credit Act. 

I have provided supporting documentation for your review.
Product: Checking or savings account

On XX/XX/2022, I received XXXX emails from Bank of America. The first email was asking to verify my email address. The second email was notifying me that an online application is in progress. This email had my full name and a confirmation number of XXXX. The email aslo states that another email will be sent when the application is processed. Seconds later, another email is sent telling me that my application was approved and a new account called Bank of America XXXX XXXX Banking with account # : XXXX ( stated exactly in the email ). A minute later another email from Bank of America was sent welcoming me to Online and Mobile Banking. Three minutes later I received the last email notifying me that my email address was updated. I did not open an account with this bank or tried to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.
Product: Student loan

Good Afternoon, I've came across this article : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ And I'm inquiring about more information about it because I have two student loans from XXXX  XXXX student Loan that I've been sued to pay. I've been paying on the loans for about 5 years now. I'm also inquiring to see if I'm one of the 800,000 accounts that are being audited? God I hope!  Please help.
Product: Mortgage

On XX/XX/XXXX I received a letter from Wells Fargo stating that I had a shortage of {$1600.00} in my escrow account.

This shortage caused my mortgage payment to go from {$960.00} ( which I was paying on-time since purchasing the home ) to {$1200.00}.

This is a {$240.00} difference.

When purchasing my home I made sure that I chose the loan amount based on what I was able to afford as a monthly payment. My budget was based on a payment under 1k a month. This overage is over that budgeted amount.

When I called Wells Fargo they told me that I might be able to lower this amount if I filed for Homestead Exception. Which I did on XX/XX/XXXX ). The county advised that this exception will not take place until XX/XX/XXXX.

This still leaves me with 9 months of a higher mortgage payment.

I'm wondering if this is all accurate, if this can be done without any warning or explanation other than " you now owe this amount '' by Wells Fargo.

At this time I'm not scared of losing my home, but I am having to allocate bills differently and use Credit Cards to pay for items which is causing me to be more in debt. I would prefer for this not to happen.

I'm currently just trying to find answers and hope that my mortgage payment does lessen come XX/XX/XXXXand reflect a dollar amount closer to what I had originally agreed upon.

Any help would be appreciated.
Product: Debt collection

I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was Nelnet, so I called Nelnet today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to Great Lakes. So I called Great Lakes and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( XXXX and XXXX ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.
Product: Checking or savings account

cit bank a/c no. XXXX can't close account can't get thru to talk to a person. minimum wait is 69-120 minutes. have tried 5 times, but can't get thru no call back feature on their telephone system tryied to chat on their online system, but no response sent letter to close account and transfer funds on XX/XX/XXXX, but no response
Product: Debt collection

I was contacted by Caine and Weiner a debt collector, on XX/XX/XXXX. This is in regards to a {$71000.00} debt owed to a merchant XXXX by a company XXXX XXXX. The issue is I have no knowledge of this, let alone that this debt was likely owed by XXXX XXXX ( a XXXX  XXXX XXXX ) as such I fail to see how I am personally liable for this and why this debt collector is chasing me. Compounding the issue, I left XXXX XXXX almost 2 years ago in the spring of XXXX and have had XXXX contact with the company since then or anyone there, and have no knowledge of their operations with the vendor in question, XXXX. As such, this debt collector should take up this matter with the company, XXXX XXXX. 

Instead, they are threatening me with a lawsuit in XXXX XXXX, unless this amount is paid in less than XXXX week by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a voluntary security freeze on my credit reports. On XX/XX/2018, I called Equifax to request a temporary lift of the security freeze for an authorized credit inquiry. I was told the freeze was lifted, and received a confirmation number. The inquiring party was not able to obtain my Equifax report on XX/XX/2018. I called Equifax again, received a new confirmation number, and was told the freeze had been lifted. The inquiring party attempted again to obtain my Equifax report, and was again denied. Equifax does not appear to provide any other avenue of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit to Equifax via certified mail and have not been notified that a investigation has been started and or is in process.
Product: Vehicle loan or lease

Toyota Financial services holds the loan for my car. XXXX XXXX XX/XX/XXXX ) they called for collection and I couldn't speak to an agent. I called them back at XXXX XXXX on XX/XX/XXXX. I spoke to an agent and did not catch her name, however they said all calls are recorded. The agent informed me that this was an attempt to collect a debt. She proceeded to lie to me about what I owed. She said I was one payment past due when I was really two. She told me my next payment was due on XX/XX/XXXX when in truth it is due on XX/XX/XXXX. This felt like Toyota was lying in an attempt to trick me into defaulting on my loan. I called back afterwards and spoke to a supervisor at XXXX on XX/XX/XXXX. She confirmed that I was correct and that i was 2 payments overdue and my next bill was on XX/XX/XXXX. She could not tell me why the XXXXXXXX XXXX lied about how much I owed or how they would resolve the issue. They said I can expect to year back in up to XXXXXXXX XXXX. I really feel like this was a trick to get me to default on my loan. Now I can not be sure of anything toyota financial says. I would like this remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the company what was their method of verification on an inaccuracy that I found on my report. The company stated that they verified the information from the US Court. This is a lie because I have written proof that the bureaus never verified with the US Court. This is a violation of my consumer rights and I am requesting it be removed along with any accounts associated with this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00}.