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

On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes. 

Regards, XXXX XXXX XXXX, # XXXX
Product: Payday loan, title loan, or personal loan

In mid-March I rolled over an old loan into a new loan. I originally asked for only {$1000.00} but the lender I spoke to, or an employee of the lender let me know that in the state of California the smallest personal loan you can take out is {$3000.00}. I'm fairly decent at making large payments or multiple payments monthly to any loans/credit cards I've had. I'm military and was unaware that I'm not supposed to roll over an old loan into a new loan. The loan terms were 54 payments at 35.99 % APR with {$5700.00} as the finance charge ( amount the credit was costing me ). Amount actual financed was {$5500.00}. {$560.00} was rolled into the loan with a {$250.00} prepaid finance charge. 

After a few payments were made I noticed that my principal wasn't going down. In XXXX I went to a XXXX  financial specialist to discuss why I was struggling with paying off the loan. By the end of XXXX I had made the following payments : XXXX XXXX {$300.00} towards the previous loan ( not going to total this in further down ) XXXX XXXX {$560.00} this payment came from the new personal loan I had taken out So in March- I had only made one payment from my checking account towards the loan. Had I not taken the second loan out I'd owe {$560.00} going into XXXX. The new loan rolled the old loan into it. 
XXXX XXXX returned check- this will give me a {$15.00} late fee which is fair XXXX XXXX {$300.00} ( only {$45.00} went towards the principal ) XXXX XXXX {$300.00} ( {$240.00} went towards the principal ) XXXX XXXX {$200.00} ( {$190.00} went towards the principal ) XXXX XXXX {$200.00} ( {$120.00} went towards the principal ) XXXX XXXX {$200.00} ( {$130.00} went towards the principal ) At this point I've paid {$1200.00} towards the loan in a span of 3 months. 20 % of the loan amount. Yet, only {$740.00} 13 % had gone towards the principal. I understand some of the payment portion should go towards the interest. Look at the inconsistency of those payments being sent to principal vs interest. 

Once I saw the inconsistency and the financial specialist looked over the loan they noticed some red flags for Military Lending Act terms. I was referred to a XXXX  representative. He reviewed the loan contract. He noticed immediately that there are two different rates on the contract. I have an APR of 35.99 % and a contract rate of 33.39 % on the second page, and the old loan being rolled into the new loan. 

In addition to the above, let 's rewind back to the {$250.00} prepaid charge I mentioned earlier. The loan meets the XXXX interest rate under the XXXX XXXX XXXX of 35.99 %. When you add that {$250.00} charge in, it's no longer XXXX, it's 37.2 %. 

The XXXX representative reached out to the lender 's remote location as well as their corporate location on XX/XX/XXXX. It is XX/XX/XXXX and there has been no response from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my Experian XXXX score dropped XXXX points. Nothing had changed except that I had filed a dispute against a lender for reporting over 90 days of missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My chapter XXXX bankruptcy was filed on XX/XX/XXXX, so this company should not have reported missed payments during bankruptcy. Experian did not take the time to compare its own data. After the dispute, the lender removed the missed payments, but reported that my bankruptcy occurred in XXXX of XXXX instead of XXXX of XXXX. This recent delinquency dropped my XXXX score by XXXX points. I am in the middle of negotiations for obtaining a mortgage, and this incorrect reporting could ruin my chances. Experian did not compare its own data before dropping my credit score. Additionally, Experian uses potentially missed payments as an excuse to drop scores. A couple of my previous lenders reported the XX/XX/XXXX Chapter XXXX bankruptcy, and Experian is counting each of those as a potentially missed payments. This is lowering my score. The report already includes the public record of my bankruptcy, why should each creditor get to lower my score even more?
Product: Credit card

XXXX XXXX XXXX agreed to refund {$290.00} for overcharge of services never provided. XXXX XXXX reflects a refund of {$290.00} on my PayPal account but XXXX XXXX on actually refunded {$160.00} of the {$290.00}. PayPal offers a Purchase Protection on this particular card purchase up until XX/XX/2024. PayPal is refusing to honor there Purchase Protection guarantee stating I never provided proof XXXX XXXX intended to refund the services. I provided images of email communication as well as PayPal account activity record which reflect a {$290.00} refund but only {$160.00} refunded back to my form of payment which was my PayPal business card.
Product: Credit reporting or other personal consumer reports

''Mixed File Problem '' : I was shocked to suddenly see my Equifax credit score drop from XXXX to XXXX on the XXXX  XXXX XXXX on XX/XX/XXXX. As a result of my investigations on XXXX XXXX and Equifax websites, I realized that a person named XXXX XXXX had been added to my personal account and that this person 's mortgage and background checks/inquiries going back almost a year were reflected in my account and I could not believe my eyes.
Product: Bank account or service

I deposited a check to my Wells Fargo checking account for {$8900.00} on XXXX XXXX, 2016. The check was written by my sister on her XXXX checking account. The check was processed and the funds were withdrawn from the XXXX account on XXXX XXXX 2016. I have a copy of the processed check. Wells Fargo sent me a message to my online account the the funds were being held until XXXX XXXX, 2016 due to a bad signature. I was told by a customer service rep over the phone and also by my branch manager ( in person ) that the funds were being held because there were not enough funds in the XXXX account account. XXXX different phone service reps told me that the branch has the discretion to release the funds and the branch manager told me that there was nothing that she could do since the system put a hold on the check. I would like to know if I have any options to get my funds released and if this is a legal practice.
Product: Debt collection

I open the pre paid secured card with XXXX  XXXX for {$300.00} honor ereabouts a XXXX of XXXX then I only old {$50.00} in an emergency came up and they sent me a merge to give us I didn't make any more payments I just let the card go and so they sent me a bill for {$620.00} they would try to collect on it for the last year and a 1/2 and I told him this you guys only {$250.00} return and plus you don't have it and then LV in V is tried to do the collection now they don't even have a wet signature on file I've asked a very moving stop reporting this insane behavior when they owe me money and I'm sure this world not really doing me any good making this complaint because you guys are disappear ocracy and you really don't helps all this use and I have a but XXXX confidence but with the election results and making complaints it trying to get these guys to fix my credit and would never will work ever is gon na work is it going have to file a lawsuit and that probly wont-work either thank you for all your help
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began work with S & N Debt Solutions to work on settling three credit card accounts that I was not financially able to clear on my own. Two with XXXX were settled successfully. The last account was negotiated with XXXX XXXX from an original balance of {$6000.00} to a settlement of {$3000.00} with payments to begin in XXXX of XXXX and to end in XXXX of XXXX. Payments were directly debited from my checking account each month. Payments were successfully debited from my account each month with the exception of XXXX XXXX. My account did not have sufficient funds for that payment, and the payment was never recouped by S & N. I received a letter from XXXX XXXX dated XXXX XXXX, XXXX that my account had been sold to a collection agency, XXXX XXXX XXXX. Upon receiving the letter, I contacted both XXXX XXXX and S & N on XXXX XXXX, XXXX. I was told by XXXX XXXX that the settlement offer was canceled after three returned payments, in XXXX of XXXX, XXXX and XXXX of XXXX. The agent told me that the notation on the payments was " not authorized '' which indicated the payments were likely canceled by the third party debt agency since it would otherwise show " insufficient funds. '' After calling S & N, I was initially told that the settlement offer with XXXX XXXX was canceled after a returned payment from XXXX and that notes indicated a negotiator was attempting to re-work the offer. Upon being transferred to a supervisor, I was told that XXXX XXXX had actually cancelled the offer after the missed XXXX payment which I acknowledge was missed. However, that is contradictory to what XXXX XXXX tells me, and I was never notified by S & N about the settlement being canceled so I could attempt to remedy the situation. Acccording to my balance history in the account set up for settlement payments, my balance was {$210.00} at the time the XXXX XXXX payment of {$10.00} was made to XXXX XXXX. In addition, the balance on XXXX XXXX, XXXX was {$240.00}, but a payment was not made to XXXX XXXX. S & N refused to send me documentation of contact attempts made to XXXX XXXX on my behalf to make that payment. While there was not a balance in the account to make the XXXX payment, I do not understand why the XXXX or the XXXX payment would have been rejected and/or not paid. I have paid {$660.00} in settlement fees and monthly fees to S & N on this account which has now been turned over to collection for {$5100.00}. I have already paid {$970.00} toward the settlement and would have only owed {$2000.00} if the payments had been made by S & N as expected. I am now faced with a 7 year blemish on my credit file along with a balance that is over {$3000.00} more than I would have paid otherwise.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.
Product: Credit reporting or other personal consumer reports

These name and address variations are not accurate and do not belong to me, as they may cause confusion and misrepresentation of my personal information. I request that they be removed from my credit report as soon as possible. The inaccurate name variations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, the inaccurate address listed is XXXX XXXX XXXX XXXX XXXX XXXX. I also request that Experian update my credit report to include only accurate and verified information. Once these corrections are made, I ask that you send me written confirmation of the changes along with an updated copy of my credit report. Lastly, I encourage you to review my credit report for any other inaccuracies that may need correction.
Product: Credit card

The attached details my complaint. Synchrony Bank did not post a payment of {$1000.00} made to my credit card account though they cashed the check which was returned to my bank on XX/XX/year>. Multiple requests to have the payment credited were unsuccessful. Over a series of months XXXX adjustments plus a mysterious section of labeled XXXX XXXX XXXX '' appeared in the statements. The end result was that the problem was never resolved. 

The reporting process and form we were required to use is apparently designed to be deliberately obstructive. The adjustments to the account seem to be deliberately obstructive. 

The evidence on the attached suggests Synchrony Bank routinely does not credit accounts that mail in payments. This would involve thousands of accounts. At the very least the process to correct such problems seems needless obstructive and certain to lead to a large number of accounts with payments made that are not credited for those payments.
Product: Credit reporting or other personal consumer reports

See attached dispute notice, police report, and DL.
Product: Student loan

Requested XXXX period not updated. Requested Reconsideration since the XXXX process was not completed on application submitted in XX/XX/XXXX, was informed that was the only way to get the process completed/reviewed again, was stated on FSA site as completed on XX/XX/XXXX, but not updated until XX/XX/XXXX but only with the employment period covering the application, none of the 74 deferments/forbearance were reviewed thus the application for Reconsideration on XX/XX/XXXX and later a buy back application around the same period. I have currently XXXX payments that have been reviewed out of XXXX payments. Ive been in repayment since XXXX. My loans were consolidated in XX/XX/XXXX. I was recently placed back into forbearance because my request for a different payment plan was never processed which was submitted in XX/XX/XXXX. I was re-instated in XXXX and placed back on forbearance in XXXX XXXXThe loan servicer is refusing to give credit up to the date of notification. So, no one time review, no updated count, no review of forbearances and no answer to buy back request and no employment period update.
Product: Mortgage

In the last 4 years I have applied for several mortgage modifications from Wells Fargo. They always found a reason to deny me. Mostly they've said that my debt to income ratio was too high and I didn't make enough money. after a few court battles, they won the right to foreclose on my home. In XXXX they sent a letter saying 'we 're here to help you ' so I called and spoke with a representative. She reviewed the history and acknowledged that there were some opportunities that were missed on their part. She asked me for income and asset documentation which I submitted. I was asking to re-instate the mortgage and make the arrears a 2nd mortgage. During the underwriting process Wells Fargo stalled the 'active foreclosure ' status. I received a phone call from a manager who told me that they can not help me because " I make too much money ''. Wells Fargo sent me a written notification that included a letter saying that i was approved for a short sale and that I should submit the acceptance form. Fearing that I am losing my house to foreclosure, i sent in the form. However also included in the package was a form to Appeal the decision. There was no denial letter so i don't have a written reason to appeal. Additionally the letter says that i can do a deed in lieu of foreclosure if I contact them. No one is answering the phones there. It's all automated and no one is accountable. I fear that I will lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported unauthorized enquiry on my credit report with Equifax on XX/XX/XXXX. 

XXXX XXXX reported unauthorized enquiry on my credit report with Equifax on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX 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, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}
Product: Student loan

I am the co-signer on student loan with Firstmark Services XXXX XXXX XXXX. The month following the date the XXXX student loan repayment was due, I started receiving past due notices from the lender. Each consecutive month I get a past due that adds the amount from the previous month. The student has been paying the loan XXXX XXXX of the required monthly repayment amount agreed upon in the contract. 

The student contacted Firstmark advising them that the loan payments are not being applied appropriately to the XXXX loans on the account indicating that the loan is current and up-to-date with payments. The student was advised they would resolve it in XXXX weeks and send him an email. Neither has happened. 

I contacted Firstmark Services and spoke with a XXXX demanding that the issue be resolved since the erroneous system glitch stating there is a delinquency is causing me to get past due notices as the co-signer to the account, along with a threat of late fees and reporting me as delinquent on the accounts. The XXXX acknowledge that there is a ticket submitted by the student but that the matter is still in limbo with no XXXX on when it will be fixed. The only resolution that was offered was that they would " SUPPRESS '' the notices I would receive regarding my credit and being late, not that there wouldn't continue to be an indication on the account that I am, in fact, showing as erroneously delinquent per their online accounting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. The companies involved responded, some items got deleted but most of them are still reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.