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

My name is XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, AL, tel. No. XXXX I am a customer of synchrony bank for over ten years. 
Today, even after putting my user ID and password I was unable to access my account, I tried, again and again, for over thirty minutes but could not access my account. 
Second issue, this third rate XXXX XXXX XXXX has come with another XXXX technique to Harass the customers. I and my wife have over ten accounts with this synchrony bank. If want to know the current balances in each account, we have to wait 45 minutes to get complete information, this LOUSY bank does not give information for all the ten accounts, it gives information for only TWO accounts, then we have wait again, then this bank gives balances for two more accounts ONLY. 
This is the ONLY bank on the face of this earth which is engaged in such XXXX conduct. Please help me and other customers.mthank you.
Product: Debt collection

The debt is already purchased by Midland Credit Management. I asked for a settlement. The company stated there is no settlement. Other debt management companies have this option. The company repeatedly stated there is no settlement. They continue to call and do not have leave messages. They called while I was at work. I ask for contact information and XXXX XXXX continued to ask " why do you need that information ''. They continue to threaten to send the account to " an attorney in my area ''. If they have not done so by now, I doubt they will. They use traditional scare tactics and call from noisy environments. During the phone calls, I can hear other people speak and phones ringing in the background. This is very unprofessional.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive noticed an item on my credit report that doesn't seem to follow FCRA guidelines and isnt fully accurate. Since this information is incorrect, Im requesting that it be removed from my report as soon as possible.
Product: Mortgage

My loan was purchased by Loancare , LLC from XXXX in XXXX. XXXX sent me a letter with the new loan number attached. I made my payment via online banking to the provided new account number on the payment due date XX/XX/2021. Unfortunately the account number provided by XXXX was incorrect. On the XXXX, I inquired as to why my payment had not yet posted. I filed research request adding the correspondence I had received and providing the loan payment amount as well as the date and how it was sent. I have spent countless hours and several attempts to resolve this non posting of my payment by presenting copies of my bill payment and processing and as of yet still have no resolution. The company provides no direct person to speak with and I feel I am going in circles. By tomorrow I will need to make a duplicate payment to ensure I have no long term credit damage from this event. This will put a financial burden on my family as a double house payment is not an easy thing to deal with.
Product: Credit card or prepaid card

I have been using XXXX XXXX for Care Credit Card Services. I have a XXXX claim and they are not keeping their end of services by not paying a first installment of my minimum payment due, because of a XXXX claim. I ask for your help.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to lack of response of CREDIT BUREAUS, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and update my records. Please update the account, SELF/LEAD BANK XXXX Balance {$0.00} which XXXX, XXXX and TRANSUNION have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to CORRECT the account listed.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Green Tree Servicing last year. I have kept my account current without any issues. I received a letter in late XXXX stating that my escrow account was in the arrears and if I did n't pay the full amount by XXXX XXXX, 2015 my payment would increase. My loan did not have an escrow account when I was transferred to Green Tree nor did I request one when I was transferred. I called them immediately to find out how my escrow paid taxes that were not even due at the time of payment without my knowledge or consent and was informed I received an statement of escrow in XXXX ( Which I did not have any knowledge of ) and that because I did not respond they enacted an escrow on my behalf. It is my understanding under the current laws that if my loan did not have an escrow then it can not be forced into escrow when the service of the loan is transferred. I explained this to them and they agreed that this was done in error. They told me that they would request the county refund their payment and that once they received the money back they would close out my escrow. They even went as far as telling me that if the payment was sent to me to forward it on to them. I believed this was the end of it, unfortunately I was wrong. I received my monthly payment notice with an escrow payment attached in XXXX. I was informed that it was still being taken care of and that I should pay the amount of the escrow payment until they get it cleared up. I asked if they had even sent notice to the tax office and I was told no. After several phone calls I was told I was " misinformed '' that I would have to submit my request in writing for them to terminate my forced escrow that once I did this and paid the arrears they were remove the escrow. I received my XXXX bill the escrow was still their. I can pay the amount of the taxes but do not want them to misapply the funds so I am in a catch 22. I have to pay it to remove escrow, but they ca n't guarantee I am paying the arrears. I have also now been informed they have no wish to remove my forced escrow even through I gave them no reason to enact it in the first place. My taxes are not due in XXXX. It is my understanding the only way I can be forced into an escrow on an account without an escrow is if I am at risk for default. As I have always paid my own taxes at the same time every year and have never had a default against my property, I really do n't see how this is legal. I have explained this to them. Was told it would be cleared up and it has yet to be done and now over two months later I am being given the run around. I pay my payments, I pay my taxes their is no need for this. Also I have not been given any itemization of what they are taking out escrow on. Only that they paid my taxes before they were due and I must pay them on my statement. Please help me clear this up.
Product: Mortgage

I agreed on a contract to sell a rental property in early XXXX. On XX/XX/XXXX, the title company sent in a request to my mortgagor, Mr. Cooper, to release the lien on the mortgage. 

Mr. Cooper had 2 mortgages on record. The original mortgagor, XXXX XXXX, sold it to Mr. Cooper. 

I refinanced my mortgage with XXXX XXXX about 3 years ago. When I did so, there were errors in the original, signed refinancing documents. Instead of amending those documents, XXXX XXXX drafted new documents for me to sign. 

With the sale of the mortgage to Mr. Cooper, XXXX XXXX provided both signed documents to Mr. Cooper, and it appeared to Mr. Cooper that there were two mortgages on the same property. 

I and the closing title company have been following frequently with Mr. Cooper to get this resolved, but even after 1-1/2 months of following, there is no sign of resolution. Mr. Cooper has been slow to return phone calls or provide status updates, and are asking for re-submission of the same documents multiple times. 

I am at risk of losing the sale of this property, and I have also been paying interest to Mr. Cooper 's benefit over the past couple of months. 

I would like this resolved as soon as possible, and would like reimbursement of my mortgage interest payments over the time Mr. Cooper has dragged their feet in resolving this.
Product: Debt collection

Date : XX/XX/XXXX Complaint Against Debt Collector XXXX XXXX XXXX I am writing to file a complaint regarding a debt collection issue with XXXX XXXX XXXX. I believe I am being subjected to unfair practices and possible fraud in relation to a debt that was allegedly owed. 

In XX/XX/XXXX, I received legal paperwork indicating that I was being sued for a debt that I do not recall owing. This debt is approximately XXXX XXXX XXXX, and I have no recollection of it. I filed paperwork with the XXXX courts to dispute this claim, but it appeared unlikely that I could successfully contest it. As a result, in XX/XX/XXXX, I contacted XXXX XXXX XXXX at the phone number ( XXXX ) XXXX and set up a payment plan to pay {$100.00} per month toward the alleged debt. 

I believed the matter had been resolved, but a week ago I received the same legal paperwork again, indicating that the debt had not been resolved. I called XXXX XXXX XXXX to inquire why I had received the legal paperwork, and I was informed that they do not automatically accept payments and that no payments had been received. This contradicts my understanding of the situation, as I specifically set up a payment plan in XX/XX/XXXX. 

When I asked to speak to a supervisor to resolve the issue, I was told that there was no record of my call, and I was informed that they do not ask for payment information over the phone. This was a blatant misrepresentation, as I have been charged {$100.00} at the beginning of every month for the past six months ( totaling {$600.00} ), and the charges appear on my bank statement as XXXX XXXX : Payment ID : XXXX. 

I contacted my bank to inquire about these payments, but they were unable to provide any information about the entity making these charges. Since I provided my bank account and routing numbers for these payments, I am unable to get my money back. I now find myself in the position of having to pay the full debt again, despite making payments that I have no proof were received by the debt collector. 

I am seeking your assistance to investigate this matter and hold XXXX XXXX XXXX accountable for their actions. I believe that this situation involves fraudulent activity, and I would appreciate any guidance or actions I can take to address this issue. 

Please let me know if you need any additional information or documentation to process this complaint. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

Continually harassing and reported on my credit report a debt that i didnt owe and its not mine. It is a medical expenses and showing on my credit report violating the HIPAA privacy act. I would like to take legal action on this incorrect reporting and would like to follow up with the collection agency legally.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal CU regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged excessive fees due to lagged if posted charges and credits. This issue aligns directly with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I applied with Amazon for their store card, I was approved. The 1st time I used the card it declined because they wanted to verify my personal information, which I did, the purchase went through. However subsequently I've been trying to register on their website, Synchrony Bank, to make my 1st payment but their website would not allow me to register. I call their toll free number for help and get one of those XXXX call centers. I try to explain to the lady the difficulty I'm having trying to register, and she says ok and sends me the link to the website to register. I call Amazon for help and just get transferred around. I have discovered Synchrony Bank is awful to their clients, but I need to protect my credit from them and this fraud.
Product: Checking or savings account

I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about me.
Product: Student loan

This company denied my loan taking away my right to access my credit based on an inaccurate consumer report.

This is against the equal credit opportunity act that states access to credit is a right that can not be taken away for any discriminatory reason.

This company is discriminating against me by using a consumer report. They have taken my private information including my social security card number and other personal information with no benefit to me, the consumer in this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( Transunion, XXXX, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from Transunion, XXXX and XXXX  all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Product: Checking or savings account

I RECENTLY LEARNED A FEW MONTHS AGO, A NAVY FEDERAL ACCOUNT WAS FRAUDULENTLY OPENED JN MY NAME WITHOUT MY CONSENT. I DONT HAVE ANY MILITARY BACKGROUND SO I DO NOT EVEN QUAILFY, FURTHERMORE I CONTACTED THEM REGARDING THIS FILED ALL NESSASARY PAPER AND THEY DENIED IT EVEN WITH SUPPORTING DOCUMENTS, IM FELLING DISCRIMINATED AGAINST AT THIS POINT!!!!
Product: Credit reporting or other personal consumer reports

The credit bureau has not verified this debt and I am unaware of this account with XXXX and XXXX I have no knowledge of these accounts and Im asking for deletion.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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 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
Product: Credit reporting or other personal consumer reports

Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to GAAP practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. 

Delete the 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. Please block/remove these files. 

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 or other personal consumer reports

My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate personal information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following names, and addresses are inaccurate : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX. Also, according to 15 USC 1681s-2, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00}