23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm still recieving response letters for thr bureaus saying I'm using 3rd party to send and file conplaint to the bureaus which is very wrong because I'm the one who send all the letters and complaint. Please check and review this accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified request to XXXX disputing the inaccurate reporting on my report from ECSI. XXXX updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, XXXX has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education ECSI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

According to the correspondence from ECSI, ECSI began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau XXXX, ECSI continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from ECSI, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.
Product: Student loan

I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Loan servicing was transferred from XXXX to Carrington Mortgage on XX/XX/XXXX. Loan was boarded into Carrington Loan Servicing on XX/XX/XXXX - I setup an ACH for scheduled monthly mortgage payments, effective XX/XX/XXXX. I also made an online payment with Carrington for the XXXX payment also on XX/XX/XXXX. We have now received two Late Payment Notices from Carrington. Yesterday, my wife called Carrington to get the matter straightened out. They confirmed that I had provided the correct account number and routing number but claimed I did have enough money in my checking account to cover the cost of my mortgage payment. In fact, I have ten times the amount of my mortgage payment in my checking account. So not only are the 100 % wrong in their facts, but I shouldn't even be getting late notices to begin with as I am within the 60-day window from servicing transfer.
Product: Student loan

I have reoccurring payments taken from my checking account for my students loans. My provider is Navient. Every once in awhile, I will make an additional payment on XXXX of my loans. Lets call it XXXX XXXX. This is not to be confused with paying ahead, every time I make this payment, I call a customer representative and tell them I want the payment to just pay off any outstanding interest, and the rest on the principal of the loan. My monthly reoccurring payment should remain the same, and I pay the same amount. 

It appears to work, as the monthly payment is taken out of my account, on the same date, just like normal, costing the same amount as always. The problem is, XXXX XXXX will not have the monthly payment taken from the principal. It is like no payment was made on XXXX XXXX. My other loans will have their principal reduced as normal, just not the specific loan I made that one-off payment on. 

So my monthly payment of XXXX $ a month for XXXX XXXX is literally pocketed by Navient. This happens EVERY time I make an additional payment on XXXX of my loans. It is not a human error, but a systemic error built in the system. It has gotten to the point where I keep track of my loan balance before and after every monthly payment because I can not trust the company. They literally are stealing this money from me, and probably hundreds of other unaware people.
Product: Debt collection

Have made repeated attempts to contact this creditor to discuss repayment and credit reporting. They do not respond to phone calls or voicemails, simply directing debtors to pay online via their website. Given this collection agency 's reputation, I am not willing to simply give them money without knowing when they will remove this from my report. I attempted to dispute this via XXXX  without success. 

RENTON COLLECTION # XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$950.00} Date Updated : XX/XX/XXXX Original Amount : {$950.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX - Unable to reach, sent to voicemail XX/XX/XXXX - Attempted to call again, no answer XX/XX/XXXX - Attempted to call again, no answer, left voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXX XXXX  / ACCT # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card or prepaid card

I recently received XXXX  XXXX, and as part of financing, a CareCredit card was issued to me by Synchrony Bank. The sales associate emphasized the 0 % APR for 3 years, so I used this option instead of paying cash. 

I have the account set up on autopay, so 6 months pass until I see an end of year statement where my balance hasn't been reduced as expected. I log in to see a reoccurring, $ XXXXmonth XXXX XXXX XXXX XXXX '' line item, along with purchase interest on the {$60.00} each month. At no point was a " XXXX XXXX Fee '' mentioned to me. 

I call " XXXX XXXX  '' and eventually they agree to cancel this service and refund the {$300.00} I have been charged, but refuse to provide me with a confirmation email. 

I call Synchrony Bank and they refuse to issue a chargeback for the {$300.00} fee, and will not refund the purchase interest of {$17.00} that has been charged on this monthly " XXXX XXXX Fee '' I would like to point out that this is particularly nefarious, because if I had failed to notice this fraudulent transaction, my automatic payments would have fallen short of the initial purchase balance, resulting in me being charged 3 years of credit card interest ~ ( {$2100.00} ) on my initial principal ( {$3700.00} ). In addition to being charged a card security fee of $ XXXXmonth for 3 year of {$2100.00}, this means I would have paid an effective interest rate in excess of 35 % on my " 0 % APR '' card. 

At this point, I'm not sure who is at fault here ; Synchrony, XXXX XXXX, or the salesperson at the XXXX center who signed me up for the the card. But these appear to be predatory and fraudulent behavior.
Product: Checking or savings account

On XX/XX/2024, i got a call so i answered it. The person on the phone said they were the fraud department for my bank, and said i had suspicious transactions on my account, and that they were going to close that account for me. They then said they would send me a code for me to read back to them to verify it was me. Everything seemed fine until the next morning. The next morning i checked my back account and i was missing {$1800.00}. I could also see that all my money was spent in XXXX, Georgia and I live In West virginia. I then called my bank and met with them. My bank told me i had been hacked and that they would try their best to reimburse me. They then reimbursed me about {$1000.00}, but said they had to wait for the rest to get approved. I then waited for about a week to hear back. The person working with me on this then called me and said the fraud company is not reimbursing me the rest because they believe i made those transactions even though all transactions were from Georgia. I am still currently missing about {$900.00}.
Product: Prepaid card

XXXX ) XX/XX/XXXX, I discovered a fraudulent XXXX XXXX Nevada Unemployment Insurance Claim under my Social Security Number. The discovery was made during a conversation with Bank of America about my B of A EDD Debit Card Account. I was alerted to potential fraud by the fact that he had received an email at his Priority email address at work about his EDD Debit Card account, and the EDD Debit Card Account was from XXXX. This made no sense because B of A did not have my work email address, and the account would not have been tied to his current work place ( XXXX ) years later. After speaking to the fraud representative at B of A, the fraud representative decided to file a complaint with the Nevada Unemployment Agency alerting them to the fraud, and both B of A representatives suspended and blocked the fraudulent account in Nevada under my Social Security Number, and he petitioned the CA EDD to close my old EDD Debit expired Debit Card Account. The name of the party using my Social Security Number is XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed a Credit Freeze with all the major Credit Bureaus in the US, XXXX, XXXX, and XXXX XXXX. 
XXXX ) XX/XX/XXXX, I filed an Identity Theft Complaint with XXXX ( FBI ) XXXX 
XXXX ) XX/XX/XXXX, I filed a fraud complaint with the Nevada XXXX XXXX XXXX ( DETR ), filing said complaint and report electronically. 
XXXX ) XX/XX/XXXX, I filed a Police Report with XXXX XXXX Police Department, said report is filed under report number XXXX, by XXXX XXXX, Badge Number XXXX. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with XXXX XXXX, which oversees US Checking and Banking. 
XXXX ) XX/XX/XXXX, I filed a Fraud Identity Theft Complaint with the Federal Trade Commission. 
XXXX ) On XX/XX/XXXX, I ordered a XXXX XXXX XXXX Report. 
XXXX ) XX/XX/XXXX, I filed a Fraud Alert with all the major Credit Bureaus in the XXXX, XXXX, XXXX, and XXXX XXXX. 
XXXX ) I did everything possible, and Bank of America did nothing, and they did not close the account after informing them of all of that, instead they started sending me USPS mail about the fraud infected B of A EDD account, alerting me to the fact that the account was still open, and after all of that stated above. This is incompetence. 
XXXX ) On XX/XX/XXXX, B of A sent me another letter, after 10 years of this back and forth, still claiming an active account associated with fraud. 
XXXX ) When I called them the XXXX time, they said they would not close the account, the person I spoke with in XX/XX/XXXX of XXXX, his name was XXXX, and the one prior to that date in XXXX of XXXX was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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. Kindly update or correct the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to log into my account to make extra payments, my account was closed and everytime I call all the previous messages were not applied to my account. I'm tired of repeating everything and getting g nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - XXXX XXXX  XXXX d/b/a Mr. XXXX is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.
Product: Vehicle loan or lease

I went to Pnc bank XXXX XXXX, Pa on XXXX/XXXX/XXXX for a personal loan and it was handled without any problems. I then ask XXXX XXXX about a lease payoff. She called XXXX XXXX XXXX for gross payoff amount and received {$23000.00} which was good until XXXX/XXXX/XXXX. That was also the date of my next lease payment. She then received hard copies via fax of everything that was needed to satisfy the payoff for XXXX to release the title to Pnc. So far everything went well. I was told the Pnc check ( XXXX ) was sent via XXXX XXXX to the address specified by XXXX. I waited @ XXXX week and called XXXX to see if they received and processed the check and was told they did not receive it. XXXX was calling me everday sometimes multiple times a day asking about a credit card that I signed up. I told they did not get the check and her answer was it sometimes takes 10 days. I waited called XXXX 2 more times and received same answer, no check. Told XXXX again and she did nothing except ask me about credit card activation and useage. Finally on XXXX/XXXX/XXXX my lease payment was due and lease payoff quote expires I called XXXX early and found that tbey never received Pnc 's check. I called XXXX and told her again XXXX 4 times ) that the check was never received by XXXX. She apparently did nothing that day and waited till XXXX/XXXX/XXXX to call them. Now the quote had expired and when she got the payoff quote it was now {$25000.00}! I have already received a loan from Pnc for {$23000.00}. There is a difference of {$1600.00}. XXXX says that its not their fault and will not honor original quote number and Pnc says its not their fault because they did nothing wrong. I am paying {$420.00} to Pnc and {$320.00} to XXXX. My daughter got married on XXXX/XXXX/XXXX and di not have that " extra '' money. Pnc quit trying to help and will not even call me back with their results. I believe the fault is Pnc due the unwillingness of XXXX to follow up on loan. Pnc reissued another check for {$23000.00} and XXXX cashed it. I need help. Someone or both need to step up for their mistakes or complacency.
Product: Debt collection

They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff
Product: Debt collection

I just received an alert on my credit reports that a collection account was added. The account belongs to XXXX XXXX XXXX. I have an account with them now and I am presenting using their services ie cable and internet. Therefore, I am confused regarding what the details of this account is. I do not have mail from the collection account to call and dispute this account, hence why I am reporting this through CFPB now. This collection company has not called me nor have I received any mail stating otherwise. The account according to my credit report was opened on XX/XX/2018 for {$130.00}.
Product: Credit card

My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts on my credit report. I have previously raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I

may regain control over my financial well-being. I sincerely urge you to give this matter
your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.