23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have logged over 3-4 hours on the phone with SunTrust during the calendar year of 2021 trying to get them to properly process and reconcile the payments we have made on a mortgage we have with them. This experience has been nothing short of baffling and excruciatingly frustrating as we have ZERO confirmation that our explicit request are being handled, the details of which I will provide below : Beginning in XXXX on the XXXX a payment that was submitted as a 100 % principal-reducing payment was incorrectly applied by SunTrust. I called and requested a payment correction, to which I was told by the person on the phone in the servicing department that it would be done. After a few weeks it appeared online that a " correction '' was made but no amount was reflected next to that date. It also did not appear that the balance we saw online reflected the correction. 
In XXXX we had another payment that was submitted get incorrectly applied, and I had the identical conversation requesting the payment be adjusted to 100 % principal reduction on or around XX/XX/XXXX ( correcting an end-of-XXXX payment that was received ). 
Again in XXXX we had another payment get misapplied and at this stage I requested SunTrust not only make the correction but send me a detailed YTD payment reconciliation as neither the printed statements NOR the website properly reflected the payments being applied per our instructions. I was assured by the service person on the phone they had been properly applied and was told we would received a statement. 
Once again in XXXX I had to make yet another call to request a payment adjustment and once again I asked for the aforementioned statement since we never received it the first time. The person on the phone said it would be sent in the mail, however I explicitly asked for it to be sent via email since the last request never arrived. They said they would do so and I should expect the email in 7-10 days. It has been 2 weeks and we have not seen the requested statement. 

It should not take me this long, or be this hard to get a properly payment reconciliation of my loan. I need help ensuring that our explicit instructions are being acted upon and to-date I have no proof that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX  and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Product: Credit reporting or other personal consumer reports

I did not give authorization for Amerisave Mortgage to submit my financial information for a loan or refinance. I got notice that I was denied for something I did not apply. This is an unsolicited inquiry on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

First Acct # XXXX Date of last active TransUnion has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as TransUnion has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I would like for all listed accounts to be BLOCKED AND DELETED from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a follow up with my complaint # XXXX, after almost 6 months of chasing US BANK prepaid service, only with help of CFPB, i recently got my new replacement gift card, its supposed to be {$100.00} per last agreement, when i checked the balance its only XXXX, i want the unexpected fee of {$5.00} credit back to my account, not only due to its US BANK 's issue ( not properly secure their gift card ), also took me almost 6 months time to get the issue solved.
Product: Debt collection

I have been contacted by NCB Management services in regards to a debt owed at work and on my personal line going back to the beginning of XXXX. I have phone recording of all the phone call I have received at my place of employment where I have stated ; 'This is a business line, you can not call here ', more that 10 times, along with an associate of mine who has answered some of the calls. I am still receiving these phone calls at work. The representative who has been contacting me is not interested in when or where they are allowed to call, nor, it seems, the rules they must go by to legally collect a debt. Whenever I explain that this is a business line and that it is 'not okay ' to continue calling here, I just get talked over and then receive more calls. I am filling this complaint because I am now in a difficult position with my place of employment regarding these continued phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

in multiple occasion i submit a dispute with the credit bureau they did not resolve my complaint i was victim of identity theft.
Product: Credit card

Purchase made XX/XX/XXXX at Value City XXXX financed through Synchrony Bank ( SB ). Terms were 36 equal monthly payments of {$180.00} with no interest if paid in full by XX/XX/XXXX. Payments made each and every month well before the due dates. SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ) and XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows no payment for the one due XX/XX/XXXX because it already showed on SB closing date XX/XX/XXXX. SB imposed late fee of {$30.00} and showed two payments due. My letter to SB dated XX/XX/XXXX protested the late fee because my payment was not late. SB form letter in response simply explained that fees that may be assessed appeared on the back of each statement. SB statement closing date XX/XX/XXXX shows payments made XX/XX/XXXX ( due XX/XX/XXXX ) and duplicate payment made XX/XX/XXXX. ( I had adjusted automatic payments to SB for this account so that they would not be posted on the closing date and inadvertently sent the duplicate payment. ) This statement also shows an additional late fee of {$41.00} plus {$2.00} interest on " 'purchases '' -- no additional purchases have been made. My letter to SB dated XX/XX/XXXX again protested the imposition of the late fee and noted that I had not received a response to my XX/XX/XXXX letter. SB then sent a letter on XX/XX/XXXX stating that " after review '' the {$30.00} late fee would be credited to my account. SB statement closing date XX/XX/XXXX shows the late fee being credited on XX/XX/XXXX and payment made XX/XX/XXXX ( due XX/XX/XXXX ). It also imposed a new late fee of {$41.00} plus {$2.00} interest on purchases -- no additional purchases have been made. SB statement closing date XX/XX/XXXX shows payment made XX/XX/XXXX ( due XX/XX/XXXX ) a refund of a late fee of {$41.00} plus a new late fee of {$41.00} and interest on purchases of {$2.00} -- no additional purchases have been made. We have received nearly daily automatic text messages and emails about our account being past due. The payments have regularly been made in advance of the due date. I believe SB 's practices are inappropriate and the imposition of late fees and interest has been unwarranted. I have not been able to resolve this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all inquiries related to the breach be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiry should be blocked and deleted : XXXX XX/XX/2024 As this inquiry resulted from unauthorized access due to the data breach, I request its immediate removal from my credit report. Please provide written confirmation once the inquiry has been removed and supply me with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX TransUnion, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY.  I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, XXXX and TransUnion have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Debt collection

This company is jeoparding my financial status and credit rating by reporting a debt that is unknown to me and Resurgent/LVNV illegally has Verified my dispute ( s ) with XXXX and XXXX credit reporting bureaus that I intend to file a complaint in State or Federal court to collect damages and they will be compelled to pay my Attorney Fees as well. I was just denied credit due to this illegal collection on my credit report. They refuse to provide me a signed contract revealing ALL parties involved proving that I have a contractual agreement with their firm. 
XXXX XXXX has IGNORED my requests for a Purchase Agreement between their firm and the alledged creditor as well. I will be filing complaints with the BBB as soon as possible in their state and my state here in XXXX. because of their FAILURE to provide legal notice before illegally reporting this FALSE information on my credit report another very serious vilolation Resurgent XXXX has blatanrly committed. 
I will file complaints with XXXX, Attorney Generals and any agency that is appropriate as I never did business with rhis company I have absolutely no contratual agreement with them and I will gather these complaints to be used for the LAWSUIT If forced to do so. 
Remove this FALSE DEBT from ALL my credit reports!
Product: Credit reporting

The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier.
Product: Payday loan, title loan, or personal loan

onemain financial scammed me when I refinanced a loan with them. My previous loan had unemployment insurance I agreed to so when I refinanced the new loan the loan officer stated you still got the insurance and said we will sign all documents online so we can whisk through them and get you outta here. The whole purpose of refinancing was to try to get extra money and lower payments. Loan officer stated that I could only get {$100.00} but the new payment was lower. After all was done I left the business and was told all documents will be emailed to me. I looked at the documents the next day and realized there was 4 different insurance  policies attached to the loan that totaled around {$900.00}. This was never explained to me and knowing that I could have received the money in my pocket instead of being added to my loan. I feel this is an unfair practice and should be reported and let consumers beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Product: Credit card or prepaid card

In XX/XX/XXXX, XXXX fraudulent transactions from XXXX in the amount of {$140.00} were placed on my Chase United Mileage Plus Credit Card. I filed disputes for both charges and I received a credit for {$140.00} on XX/XX/XXXX for one of the fraudulent charges and the second charge never posted to my account. 

On my XX/XX/XXXX credit card statement an online adjustment in the amount of {$140.00} for XXXX was added to my credit card statement with a date of XX/XX/XXXX. 

I tried multiple ways to contact Chase for a resolution on numerous dates throughout XXXX and XXXX. I called Chase Fraud Services, secure messaged through Chase.com, and reached out to @ ChaseSupport on XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On the numerous phone calls, Chase was unable to tell my why the charge was added back to my account and they were not able to remove the charge from my billing statement. They stated the adjustment department needed to remove the charge and they were currently closed due to Covid restrictions. They recommended I call back at a later time or secure message on Chase.com for further help. 

I secure messaged Chase 's help department through their website on Chase.com. I've sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response other than they have received my message. 

On XXXX, they reviewed my case but were unable to provide any details as it is not a secure channel. 

Meanwhile my credit card bill was due and I was forced to pay for this fraudulent charge. I've tried a number of times to reach Chase for the charge to be reversed and I was unable to even obtain an explanation of why this fraudulent charge was added back to my billing statement.
Product: Credit reporting or other personal consumer reports

I filed a police report with the XXXX sheriffs department due to multiple fraudulent accounts being opened on my credit report I also have attached my identity theft report from the FTC. Along with a copy of my identification. These accounts are fraudulent and the result of identity theft. 
XXXX ) XXXX XXXX {$6400.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX {$3000.00} opened XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$2800.00} opened XX/XX/XXXX XXXX ) XXXX {$4500.00} opened XX/XX/XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act that requires a consumer reporting agency to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. The agency must block the information not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer
Product: Money transfer, virtual currency, or money service

The scammer reached out to me on XXXX under the account @ XXXX for an art commission. They offered {$200.00} for a gouache painting. Once they were about to send the money, they said they accidentally wrote {$2000.00} instead of {$200.00}. They told me to deposit the check because they used their child 's savings account. So I thought that I had to deposit the check once I got it and send {$1800.00} back to them through XXXX under the name of XXXX XXXX, which they gave to me. After a few days of sending the money back to them, I checked my XXXX XXXX XXXX account on the XXXX of XXXX and saw that my bank took {$2000.00} from my checking account. When I reported it to the bank, it turned out the scammer did not pay the {$2000.00} check, which means I sent the scammer {$1800.00} from my own money and received {$0.00}. On the same day, the scammer claimed they wrote a second check under my name for another {$2000.00} but I told them there was a problem with my bank, and then they blocked me on XXXX. Once I reported a fraud claim to the bank, I called XXXX to see if they can take the money back to no success. The scammer 's bank, Chase, refused the claim because I wasn't hacked and it was a valid transaction since I initiated the transaction. Now I have lost {$1800.00} from my account because of them. The bank suggested I should report it to the authorities because they can't do anything else to get the money back. The scammer targeted an international student illustrator with open commissions on their social media. Another XXXX account tried to contact me the same way @ XXXX did but under the name @ XXXX. I hope you can help me and stop their actions.
Product: Checking or savings account

I contacted ETrade Bank by secure messages, live chat, and phone numerous times already over the past month over this issue, and I still see one of the {$25.00} fees not being reversed, despite their claims otherwise. This is a continuation of a previous case I filed with you ( # XXXX ). 

Facts : On XX/XX/2023 someone hacked into my account and wired out nearly the entire content of it without my consent or authorization, causing also a wire transfer fee to be charged. Note the unauthorized transfers of {$3300.00} and {$25.00} on that day. 

On XX/XX/2023 a previously written check # XXXX in the amount of {$76.00} was posted and was returned for insufficient funds, causing also a fee of {$25.00} to be charged. 

On XX/XX/2023 that fee was reversed. 

On XX/XX/2023 check # XXXX was presented again and paid. 

On XX/XX/2023 the fraudulent transfer of {$3300.00} was reversed and credited back to the account. 

However, the wire transfer fee of {$25.00} was not reversed and credited back at that time. And it was still not refunded until this day. 

As this fee was caused by fraudulent activity that was reversed by now, the fee also needs to be reversed.
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 items and update or correct them immediately : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.
Product: Debt collection

request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them