23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 a notice of dispute was sent via certified mail to Synchrony. The notice sent was a demand for proof of debt claim for 2 different accounts. It was requested for the corporation to provide all of the appropriate forms and paperwork that I requested back to me along with an Affidavit signed in Accordance with Title 28 USC sec 1746 within 30 days from the date of receipt of the notice/request for validation and proof of claim. I was mailed back a letter with screenshots attached of invoices showing activity on an account, but nothing proven that I " the consumer '' am responsible for the " debt '' in question. Synchrony Bank has intentionally ignored my written request to verify their " debt '' claim by not sending back the requested documentation and they only continue to attempt to collect. As a consumer I am aware that under the FDCPA this is a violation on Synchrony Banks part. 

" A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Mortgage

My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.
Product: Debt collection

I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.
Product: Credit card

On XXXX XX/XX/year>, I got an email alert from XXXX. It was an spending alert in the amount of {$3300.00}. 
Since I didn't make this purchase I immediately called the home depot customer service which transferred me to citi card services. They disabled my cards and issued new cards. Also, they created a dispute for the above transaction and transferred it to their fraud/security team. 
On XXXX XX/XX/year>, I got an email from home depot about due bill amount of {$3300.00}. 
So I immediately called home depot credit card services. The customer representative told me that their security team has left a document on XXXX XXXX in my online home depot credit card account. 
The document states that the home depot credit card security team ha
s rejected the fraudulent/unauthorized charged claim. And I am responsible for those charges.

I am requesting you to please looking into this matter and provide help as this transaction was made by someone else in some other state. I did my due diligence of reporting the fraud immediately.
Product: Money transfer, virtual currency, or money service

I have an account with Zelle via my banking institution, XXXX XXXX. Someone else fraudulently set up an account using my phone number, which locked me out of my account and also allowed them to potentially receive money sent via Zelle to my phone number. I spoke with both XXXX XXXX  and Zelle. XXXX XXXX  is unable to handle the fraudulently created account because they do not manage Zelle accounts outside of XXXX XXXX  Zelle accounts. Zelle claims it is not their problem because I use Zelle via a bank. I am uncertain if anyone has used my phone number to request payments or collect funds because I can not access my account. The only solution Zelle offered was to link my account to my email address and discontinue use of my phone number. This is worrisome because friends and family use my phone number to send me money via Zelle. I can not be assured that someone else is not collecting those funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a text from a number claiming to be from XXXX 's fraud department claiming that someone was trying to purchase a XXXX XXXX  and to call the number on the text to let them know it wasn't me.. I then called the number and the person that answered said they were with XXXX 's fraudulent claims dept and that they needed to gain access to my phone remotely to XXXX  hackers from XXXX XXXX and XXXX that were trying to use my IP address to run a XXXX XXXX XXXX  Under duress I gave them access to my phone They then started purchasing XXXX XXXX  and stocks in XXXX XXXX XXXX  and they would sell both and then transfer the funds back into my bank account. They did this repeatedly for the next 3 hours, never allowing me to use my phone to call for assistance as it was being remote controlled by them. At some point they were distracted and I was then able to turn off my phone and when I turned my phone back on, I immediately uninstalled the application the used to remote control my phone. They tried calling me back numerous times then I blocked the number. At the end of this ordeal they had purchased XXXX of XXXX XXXX via my XXXX account and sent it to their personal wallet. I then notified Wells Fargo that I fell victim to fraud and they put XXXX back into my account as a provisional credit. Wells Fargo said they would investigate and would notify me in 30 days. I was notified that my claim was closed because I gave the scammers permission.
Product: Checking or savings account

I am a male, XXXX  years of age. The E*Trade bank has refused service. Although the bank has verified all information. The bank on several occasions has been provided with all identifying information including, licenses, passport, written statements. However, the banks keeps on categorizing the account based on gender identity. The bank has also frozen the funds and therefore payments are not generally happening successfully. this has become very frustrating and it is very time consuming and frustrating. And expensive.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against RoundPoint Mortgage regarding their failure to properly setup automatic payments for my mortgage account XXXX, resulting in a late payment and associated fees. 

On XX/XX/2024, I spoke with a representative of RoundPoint to set up automatic payments for my mortgage. The representative confirmed that autopay would be established, and I provided all necessary information during this phone call. I relied on this confirmation to ensure my mortgage payments would be processed automatically. 
However, the autopay was never properly set up, leading to a missed payment. This error was solely due to the servicer 's failure to execute my clearly communicated request. As a result, I have been charged late fees and this incident may negatively impact my credit score. 

I request the following remedies : -Removal of all late fees associated with this incident -Correction of any negative credit reporting related to this late payment -Written confirmation that autopay has been properly established -Documentation of the XX/XX/XXXX phone call to verify my request Prior to filing this complaint, I attempted to resolve this issue directly with RoundPoint Mortgage on XX/XX/XXXX by phone, but the issue remains unresolved. 
T he following details support my complaint : Mortgage Account Number : [ Number ] Date of phone call requesting autopay : XX/XX/2024 Date of missed payment : XX/XX/2024 I have maintained timely payments on my mortgage prior to this incident, and this late payment was solely due to the servicer 's failure to execute my requested autopay setup. 
Please investigate this matter and assist in resolving these issues. I can be reached at XXXX for any additional information needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I went to school and was promised to make a certain amount and thats not the case, a lot of individuals are struggling to pay any of the loans back in the Massage therapy field. They have late payments showing up that are affecting me getting a rental property and has my score so low no one would entertain me, and its from years ago that shouldve been fixed when I contacted them years ago about it, it was there fault and nothing has been done. I also applied to be forgiven for these loans and Ive gotten nothing back. I want these removed from my credit report if possible, so I can take care of my family and not be stuck in life, due to someone elses mistakes.
Product: Student loan

We have a XXXX loan we need lower payment on. Weve tried on line but need to speak with Edfinancial representative to get some some questions answered. We called XXXX approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE VOICE MAIL RECORDING CUTS OUT AT LEAST XXXX XXXX XXXX times before it recycles to finally understand what number you have to push. The XXXX call had a waiting time of XXXX minutes and the XXXX  call has a waiting time of XXXX minutes. We had not received a call from our XXXX  call as of XXXX. You should call the Edfinancial phone # XXXX XXXX and listen to the ridiculous answering mach voicemail recording.
Product: Credit card

When I spoke with a representative they advised me setup a payment arrangement with lower payment online to {$140.00} on XXXX f every month and failed to advise me that this would have an affect on my credit score. I called Discover and tried to get this resolved and they did nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except Experian. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and XXXX ) after XXXX deleted it first! Account was reported closed XX/XX/2021
Product: Credit reporting

I tried to get my free credit report online and I had to answer questions that was supposed to be in my file and only i should know the answer well i could n't answer the questions because it asked me about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices they gave me so they said that there 's a security issues
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting

I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has inaccurate accounts and personal info.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint of the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The communication from the lender is not clear or accurate - we have been speaking with the lender since XX/XX/XXXX - we were advised on this date the file was with the underwriters and nothing was being requested for the review - on XX/XX/XXXX we were advised the review was denied due to missing items and that the client has a buyer for the property - this was not the case and the lender was never told about a buyer for the property - the client simply asked for a payoff statement for informational purposes. At this time we requested updated docs from the client for a new review to be completed since the lender closed out the previous review due to the Payoff being requested. The lender has refused the new application that was submitted to there office 3 times since XX/XX/XXXX the latest being on XX/XX/XXXX- when we called to follow up to ensure all information was received, we were advised they are not reviewing this file due to the previous denial in XXXX due to affordability ( this was NEVER discussed ) we were told there would be no appeal period or review for this client as he can afford the payment. We requested a supervisor, we were transfered to a rep named ( XXXX ) this Rep should not be working for your company - when we explained to her the situation, her response was ( SO WHAT DO YOU WANT ME TO DO ABOUT IT ) - I explained again the situation and requested this file to be reviewed properly since the package was received more than 30 days prior to the sale date of XX/XX/XXXX - the " supervisor-XXXX '' said just a minute let me get someone else to help you - We were HUNG up on - this is unacceptable under any circumstances and the review of this file should be completed per RESPA guidelines and Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed a hard inquiry on my credit. That I did not authorize nor recognize. 
Inquiry Date XX/XX/XXXX. Type, Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has wrongfully refused to remove incorrect information on my credit report that was provided through fraud by XXXX XXXX XXXX. I proved to the XXXX XXXX XXXX Court at Law XXXX, that my XXXX Card account was hijacked by fraud in XX/XX/XXXX. XXXX sued me in XX/XX/XXXX for an account I paid in full in XX/XX/XXXX. It was hijacked afterwards. Please direct Experian to remove this fraudulent entry on my credit report. I will attach the documentation. Experian even in an asinine manner told me to contact XXXX, when my attorney has been in contact with them frequently already and they are still reporting incorrect information!
Product: Checking or savings account

PNC acquired BBVA. As of XX/XX/XXXX, I have not been able to access my old BBVA account. PNC never sent any information on new account numbers, routing number, or online access information. PNC website says my account can not be found. The local PNC branch is unable to easily find my account and is telling to wait for additional guidance. I have a debit card and was told, " well, you can use the ATM '' but my old PIN doesn't work and they never issued a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit reports and noticed fraudulent unauthorized accounts have been placed onto my file. At which time I contacted the bureau by phone as well as have submitted certified mail on XX/XX/2023 detailing that I am a victim of identity theft, along with proof of identity ( copy of driver license, and proof of address ) and requested immediate removed/ deletion of the items that I did not authorize including multiple inquires and collection accts XXXX XXXX XXXX XXXX XXXX. I called back to the bureau to confirm receipt and to gather update as to when my file would be updated to the correct information to reflect only authorized accounts an inquiries as they are still reporting fraudulently to me and don't actually belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX  Need to be reflected as paid in full and deleted from my account. Company aggred to refelct paid in full no late payments and deleted from account.
Product: Credit card

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas AMI 2402 Contract Formation, Arkansas Code 4-88-107 ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Product: Payday loan, title loan, or personal loan

I was approved for a loan as I have previously had a loan with the company in the past. Upon approval, I noticed the funding would be sent to a old checking account which was now closed. I attempted to contact Wise Loans, in which I was told of the account is closed it would take 8 days to bounce back. After that time, I would then be able to call back and give new account info. I waited the allotted time and reattempted to call back Wise Loans, it went unsuccessful. I requested call backs and called on my own, no success. I sent emails without success. They continued to say my account had been funded despite account being closed. I contacted XXXX XXXX XXXX of XXXX, TX in which XXXX rep was not helpful and ended up being more of a messenger instead of mediator. The account was opened in XXXX, throughout the dispute in XXXX, it was written off. The amount approved was {$400.00}, they only funded {$280.00} as stated on website. I have been getting harassing text messages to pay off debt of {$760.00} since that time. XXXX closed the complaint as answered. I provided proof of closed XXXX XXXX account that has been closed since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

We filed a XXXX  XXXX bankruptcy XX/XX/year>, and it was discharged XX/XX/year>. XXXX XXXX XXXX XXXX XXXX credit card were included in that bankruptcy. We have provided Experian with a letter from XXXX stating, that it is reporting incorrectly on our credit report. Some reason it keep showing that this account is open and 30 days, and 60 days late. We have filed several disputes since our bankruptcy about this same issue. We are not sure why! We checked the other two credit bureau and there is no issue there. Please help us with correcting this matter! Thank You!