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

My debit card was used without my permission, twice locally and once XXXX miles away. I filed disputes with my bank concerning these transactions. The one that was XXXX miles away was allowed, and the two local charges were denied. I told the bank that, " as far as I knew, '' the card was in my possession ( in my desk drawer ) and that I never carry the card with me. The bank did send me a replacement debit card and customer service advised me, since I claimed the card was in my possession that I should file a police report naming my wife and stepdaughter as the unauthorized users. It should be noted that all three transactions were " point of sale, '' transactions where one was found in my favor and two were denied. My bank also refused to answer my complaint to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leave an incorrect or unverifiable accounts unresolved the consumers financial protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provided evidence to furniture, accepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction, violates federal law in my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account CONSUMER ADJUSTMENT in the amount of {$150.00} and it was taken off of my report. However XXXX AND XXXX are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks
Product: Debt collection

CREDITORS XXXX XXXX XXXX  ACCT NUMBER XXXX COLLECTION COMPANY : XXXX : REF ID XXXX XXXX XXXX SAYS I OWE {$390.00} CREDITORS : XXXX XXXX ACCT NUMBER XXXX COLECTION COMPANY XXXX. XXXX XXXX XXXX SAYS I OWE {$230.00} BOTH OF THESE COMPANIES WERE SUPPOSED TO COMBINE OUR TV AND INTERNET SERVICE WHEN WE HAD THEM. THEY CHARGED US INCORRECTLY AND SAID THAT WE STOPPED SERVICE BEFORE THE END OF OUR SERVICE PEIORD. I CONTEND THAT THEY HAVE DESTROYED MY CREDIT RATING BECAUSE OF INCORRECTLY BILLING ME. THE COMPANIES WERE JOINED TOGEATHER AND WE WERE SUPPOSED TO GET ONE BILL. WE DID NOT GET ONE BILL BUT CONTINUED TO GET TWO. THE COMPAINES ALSO CHARGED MY WIFE XXXX XXXX FOR THE SAME SERVICES. 

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Product: Credit card or prepaid card

I mailed a physical check to JCPenney/Synchrony Bank which cleared my account on XX/XX/21. The check was cashed by them on XX/XX/21, but rather than submitting the physical check, they somehow transferred it into an electronic funds transfer. Upon trying to resolve this issue multiple times ( beginning XX/XX/XXXX when I learned of the transaction not posting to my account, I started reaching out to them to figure out how to resolve. On three separate occasions, I submitted the requested information and they have denied my claim. I have provided a copy of the statement showing the EFT as well as a letter from my bank with the pertinent information ( they keep requesting a copy of the physical check from the bank, but the bank doesn't have the physical check, only the EFT reference ). the company keeps saying that they can not approve my dispute even after receiving appropriate documentation. 

My email and mailing address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

To whom it may concern : I want this case reopened and sent to a higher authority. Case # XXXX I completely disagree with what synchrony bank has said that they done to me. The only thing they should have been focusing on was my payments towards the loveseat that I was making payments on using the credit card. Nothing else nothing more nothing less. The fact they went outside of their jurisdiction and started putting their noses into my other credit accounts without a hard credit inquiry in addition to the initial hard credit inquiry that I did get permission for that my privacy was violated whether they want to believe it or not, so not only do I want Federal felony criminal charges pressed against synchrony bank, but I also want a civil lawsuit filed against synchrony bank. If that were the case for every single business or credit card company that I ever did business with, I would never have an account with anybody and besides the fact if I was such a bad person, why did I get approved to begin with? And on another note, I never asked in any way shape or form to have my credit limit increased at all. I paid off my loveseat as promised so what synchrony bank did to me was not only illegal but also unethical and I want complete action taken against synchrony bank immediately. And on top of that that little terms in agreement, I did not see that part on the contract when I first signed the contract so if it was under the underwriting department, I wouldve never seen it. My home address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. My cell phone number is ( XXXX ) XXXX. My email address is XXXX. Please do the right thing. Im counting on your health and support thank you. and for the record I will not stop until justice is served. Thank you! In the end, I completely paid off my loveseat within one year. At XXXX XXXX interest.
Product: Debt collection

Union Credit Corporation has repeatedly re-aged a old debt and the incorrect information is having a negative affect on my credit report. The company mentioned above has changed the open date on the account on several occasions. I have my old credit reports to prove this unlawful act. The company states that the account was obtained XXXX XXXX, XXXX. And las reported XXXX XXXX, XXXX. In the amount of XXXX. Which is incorrect.
Product: Vehicle loan or lease

I was unable to handle my own affairs for over 6 months and set my auto payments up to be automatically drafted. I also had a power of attorney in place Santander Consumer refused to share information with my custodian and when they finally did the payments were behind a cashier check was then sent to them to pay the missed payments. The check was stolen and They were notified and a bank draft was made to replace the check which made the past due current. SANTANDER IS NOW REPORTING my account as a charge off repo on my credit bureau.
Product: Student loan

This is the same ongoing complaint as my last XXXX that they have closed without resolving, and the same as the XXXX complaints I've filed with the Department of Education. My online portal does not properly show all of my loans and details. The payment amount due that I am given is for less than what they see on their side. I authorized monthly payment amounts of {$200.00}. They provided this document to me. They continue to take out more money than is authorized., between {$270.00} and {$310.00}. The number has changed over the last XXXX months. They have never provided answers on how their systems allow this to happen and refuse to resolve it without me taking off autopay, which will charge me more in the long run because I will lose the interest deduction. They are also misapplying my loan payments. After my previous complaint, they recalculated the previous payments and reallocated them correctly. They did nothing to resolve the underlying issues with my due date advancing when I requested it not to be, the unauthorized overcharges, or the missing account details. Because of this, the issue has reoccurred, and I need this month 's payment reallocated as well. I need the underlying issues fixed so I don't need to keep contacting them dozens of times.
Product: Credit card

I paid Capitol One Credit card on XX/XX/2024 from my Capital One checking Account. The Checking Account software showed that the payment would be made on XX/XX/2024. 
I paid the whole amount owed. 
The payment was due on Sunday XX/XX/2024. 
The payment posted on Monday XX/XX/2024. Since XX/XX/XXXX was a Sunday the payment was not processed until the following business day, XX/XX/XXXX. 
I initially recieved a late fee charge of {$40.00} from Capital One. They waived the fee after I called them and pointed out that the payment was on time. 
On XX/XX/XXXXXXXX XXXX XXXX, I recieved notice that Capital One had charge me {$95.00} as interest for a late credit card payment. 
I called Capital One and was told that the payment was late so, I was charged. I explained to them that I was on-time and should not be charged interest. 
I told them that based on the US Federal Reserve Bank 's rules : " If your payment due date is on a weekend or holiday ( when the company does not process payments ), you will have until the following business day to pay. ( For example, if the due date is Sunday the XXXX, your payment will be on time if it is received by Monday the XXXX before XXXX p.m. ). '' I want my funds returned to me.
Product: Credit reporting or other personal consumer reports

Requested the XXXX for Wells Fargo Account XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!
Product: Money transfer, virtual currency, or money service

I have been using the exchange gemini for YEARS now and today i randomly when to log in and it says that my account is frozen and they have deactivated it. For no reason or warning i have over XXXX USD in my wallet in that exchange and now they are restricting me from selling or withdrawing. I just want. To be able to use my account freely. I do not understand why they would do this to any account never mind such a large account randomly.. this is a terrible company i dont know what good they get out of this unless they are trying to steal my funds. I submitted the following info they asked me to Your entire face - Your ID that was used to register with Gemini. This was either a passport or Drivers License. 
- A hand-written note that states the current date and says [ XXXX ] underneath
Product: Debt collection

I am in a debt settlement program that negotiates lower amounts with creditors to settle the debt owed. One of my debts is with XXXXXXXX XXXX. The debt settlement company had been trying to negotiate a settlement with XXXX, when I was served with papers that I had been sued and had to appear at the Magistrates office on XX/XX/XXXX. I notified the debt settlement company who reached out to XXXX to try and work something out before i had to go to court. The morning of the hearing, i was contacted by the settlement company who had reached a settlement with XXXX. We accepted the terms, which was a settlement of {$3900.00}, first payment in XXXX of {$570.00} and it will be paid off by XX/XX/XXXX. 

I was told to still show up for the hearing, which I did. The attorney for XXXX, was late by an hour and the judgment ruled in my favor. I sat down with the attorney and explained that we had already had come to a settlement which her firm did not tell her. I gave her all the specifics. 

A week later I received a letter in the mail from the Attorney 's office for XXXX Weltman, Weinberg & Reis with the terms of the negotiation and the acceptance of the settlement. 

In XXXX, i received a phone call from Weltman, Weinberg & Reis, calling to discuss payment of my debt in full. I had told them that my debt settlement company had already negotiated a settlement with them and XXXX, that we were making monthly payments. He had told me he couldn't talk to me anymore since i was working with a debt settlement company and had asked me to have them call him, which i did and they did. 

XX/XX/XXXX, i received a notice in the mail that Weltman Weinberg and Reis were appealing the Magistrate 's judgment XX/XX/XXXX, I received 2 large envelopes in the mail one from the court and one from Weltman, Weinberg and Reis, that they were suing me for the full amount and that i had 20 days to answer to the complaint, otherwise a default judgement would be filed against me. 

I filed my answer and new matter on XX/XX/XXXX, well within the 20 days, the court scheduled a hearing date for XXXX XXXX, XXXX, which by then the debt will be paid in full. 

Today XXXX, i received in the mail from Weltman, Weinberg and Reis a letter dated XX/XX/XXXX telling me that I am in default because i have filed to enter a written appearance personally or by an attorney and file in writing with the court my defense or objections to the claims set forth against me, That i have 10 days or a judgment will be entered against me and i will lose my property and my rights. 

This is beyond harassment. They settled with me and they are getting their payments, why sue me and go back on our written settlement. Also, they know i have a been working with a company who has a legal counsel who has been assisting me so they are not to be contacting me directly. This company has caused me nothing but anxiety and grief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.
Product: Mortgage

During COVID PHH Mortgage offered forbearance plan. 
Ended it with company XX/XX/2020. 
Agreement to have amount added to end of loan. Payments were current. 
They continued forbearance till XX/XX/2020 without my permission. Now they want all forebearance payments up front, did not honor agreement on recorded phone call agreement, no requested documentation received. 
Reporting scam, will now affect my credit and cant pay all during XXXX recovery. Pursuing lawsuit please assist and advise as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute two accounts with Equifax. every time this accounts come back verified. 
account. 

1 # XXXX XXXX XXXX XXXX 1.the date of first, requested who did Equifax Please tell me how you VERIFIED the account referenced above?

2.Who did you talk to at the original credit grantor?

3.Did you write them?

4.Was a XXXX  form used or was this through electronic automatic dispute verification?

5.Did you contact them at the same address/phone number listed on my report?

6.Tell me exactly how you verified them and include the full name of the person you spoke with.

7. Also, what is the date of the commencement of delinquency?

8. The original creditor is required to give that to you. So when is that?

9. And when will this trade-line be past the reporting timeframe? 

I contacted the XXXX XXXX XXXX XXXX  myself to ask if they had spoken to anyone at Equifax they informed me no. 

also after disputing this account they updated inaccurate information instead of removing the account and its entirety. 


ACCOUNT # XXXX XXXX XXXX  XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED XXXX. DATE OF FIRST DELIQUENTCY IS INACCURATE XXXX. ACCOUNT HISTORY IS MISSING INFORMATION XXXX. MONTH RECEIVED INACCURATE XXXX. TYPE OF ACCOUNT SHOWS OPEN ( NO COLLECTION ACCOUNT SHOULD HAVE A STATUS OF OPEN ) XXXX. THIER SHOULDN'T BE AN AMOUNT PAST DUE, I DID NOT TAKE OUT OR RECEIVE A LOAN WITH XXXX XXXX XXXX. 



PLEASE SEE ATTACH AS ITEMS ARE HIGHLIGHTED.
Product: Debt collection

For the second time in the last two years XXXX XXXX XXXX XXXX has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that XXXX XXXX XXXX XXXX did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to XXXX XXXX XXXX XXXX in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with XXXX XXXX XXXX XXXX to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and XXXX XXXX XXXX XXXX should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.
Product: Debt collection

A Fraudulent collections account with XXXX collections was added to my XXXX credit report. This account does not belong to me. The initial creditor posting delinquent information is XXXX XXXX XXXX C which I have never done any inquiries or business with. The account was opened XX/XX/2023 with an open balance of {$96.00}. Please verify this information as this is due to identity theft, as I this account and charges do not belong to me.
Product: Student loan

I filed the same XXXX paperwork as I do every year. My other provider XXXX processed the XXXX payments. Navient completely ignored it and told me I had to pay a minimum of an interest payment every month of {$350.00}. The actual XXXX repayment is {$100.00} per month. Every other year this has not been an issue and I have always made the payments presented to me. I called Navient several times, and they offered to give me forebearance if I paid them {$50.00} for each month. But this does not help pay anything off. For 3 months in a row everyday I received phone calls twice a day. I felt harassed and trapped. I had no recourse with them. I would receive text messages asking if I was having trouble to file for an XXXX. Which as I mentioned was ignored, not rejected. 
It has been cruel and unjustified. I have been receiving treatments for XXXX XXXX for this amount of time and was forced to block them to stop the harassment just to escape the constant bombardment of calls, texts and emails all asking if I need help. Knowing no help was forthcoming. 
Why are they permitted not to process an XXXX request for the first time ever in the history of my loans! My other provider provides me a fair resolution all the time, but Navient has pushed me beyond frustrated. PLEASE HELP ME! PLEASE GET ME AWAY FROM THIS BARBARIC TREATMENT!!! I AM REQUESTING TO BE REMOVED FROM NAVIENT AS MY LOAN SERVICER.
Product: Student loan

I have requested multiple times that my loans be consolidated and a single payment amount be given. I was in turn placed into forbearance, deferment, and unemployment hardship. I have not once requested these things. I would like my payment to match the payment I was given on their calculator. I have verified my income, and when they asked if I wanted to begin repayment, I clicked yes. I have received 10 letters in the mail, each with a different payment amount from the SAVE plan all while maintaining my employment in the public sector to apply for PSLF. MOHELA became my servicer when I indicated I would be applying for PSLF and they can not seem to get it together. I just want to ensure Im credited for payments, and not place into forbearance or deferment that I did not want! Ive also requested a name change 4 times- to reflect the correct name- and it still has not been done, the IRS and my employer changed my name immediately but MOHELA wont!
Product: Debt collection

XXXX sold off my account to TrueAccord XX/XX/year> - I paid TrueAccord {$110.00} to resolve the account, this payment was not recorded with XXXX and still shows that I owe this amount. 

XX/XX/year>- Account is still not resolved per XXXX, TrueAccord has not and refuses to update account as paid with XXXX. 

Payment amount {$110.00} Payment date XX/XX/year> Creditor XXXX XXXX account ending in XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXAccount 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) XXXX XXXX-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only ) XXXX XXXXAccount 's Date Opened : XXXXAccount Current Balance : {$1200.00} XXXX XXXX-Account High Balance/Original Balance : {$10000.00} MRS BPO-Account 's Date Opened : XX/XX/ XXXX XXXX  Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info
Product: Credit reporting or other personal consumer reports

I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
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