23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony bank has reported a charge off XXXX XXXX card on my credit reports. The claimed open date of this account was XX/XX/XXXX and the account is now being reported as closed on all three bureaus. The balance owed is reported as {$970.00}. When I reached out to Synchrony to inquire about the debt they wrote back stating that the debt had been placed with another agency as of XX/XX/XXXX. However, the balance is still reporting as {$970.00} through all three bureaus!! This is unfair and inaccurate reporting, as once the debt is transferred or sold to another creditor I no longer owe anything to synchrony bank, therefore the balance should be reported as XXXX. The current status of transferred/sold requires the current account balance to be {$0.00}. 

The following statements are quoted from the XXXX website ; " If the creditor has not sold or transferred the debt to a collection agency, the charged off account still will report the balance owed. Once the balance is paid, the account status will be updated to show Paid Charge off and the balance will be updated to XXXX. 

Often, when an account is written off or charged off, the creditor will sell the debt to a collection agency and the balance on the original account will be updated to XXXX. If so, you no longer owe the balance to the original creditor. Instead, the collection agency becomes the legal owner of the debt. ''
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Product: Checking or savings account

I Called customer service last XX/XX/XXXX about the non availability of chase bank in Maryland. SInce I needed my money, I asked for an increased in withdrawal. I was approved to make a {$1000.00} instead of the usual {$500.00} dollars only. I was told to call back so they can reverse the fee. It was not reversed. 
ON that day also, I issued a check to my sister since depositing at her account would allow me to get my money from her. However, I was charged for a {$34.00} fee for insufficient funds after depositing {$1000.00}. I was told it was late already and the cut off was over. I would like to request that I be that fee be reversed. 
ON XX/XX/XXXX I was charged another {$34.00} for a {$9.00} charged. This is outrageous. IF they never charged me {$34.00} and {$2.00} ATM fees, these should have not happened in the first place. 
I want to file this complaint for outrageous fees that the bank continuously charged for hard working citizen who lives paycheck to paycheck where a dollar counts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. While examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as fallacious information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ; XXXX - Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of 2024, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called Fay Servicing and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with XXXX, but they keep reporting this account as verified even though Fay Servicing says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from FAY Servicing to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid officer next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX XXXX, XXXX XXXX XXXX. The accounts were open fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( XXXX, XXXX, TransUnion ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}
Product: Mortgage

While pursing a refinance, my mortgage company Mr. Cooper added a fee for {$25.00} described as a EXPD Quote delivery fee. When calling to inquire about this fee, I was informed an agency requested a closeout request and that they were given a closeout quote, and I was now being charged the {$25.00} because of their request. I asked which agency did this and no information was provided. I asked if they had approval to perform this action, and the answer was that they had my account number, so they were able to do this. I asked why I was being charged instead of the agency, and Mr. Cooper said it was my problem.

I later tracked down the agency and found that there was no warning concerning a {$25.00} dollar fee provided to them, and Mr. Cooper has an automated system that will give my quote if my account number and social security number are provided.
Product: Payday loan, title loan, or personal loan

I got a title loan from this company around XX/XX/XXXX, after paying four months for a total of {$1200.00}, on XX/XX/XXXX they took my car without any prior attempts to contact me or email me regarding my being 3 days late. When I called them they wanted a cash payment via XXXX for over {$600.00}. They refused to tell me where my car was and said I would have to go to the police and pay {$15.00} to get the report they filed before they would release its whereabouts, and that I would be charged not only storage fees for the car but separate storage for the personal items inside. I called back the next day and demanded a supervisor who gave me the phone # to the storage company. When I called them I was told I would have to make an appointment for the following day as they did not allow same day pick up. Wilshire credit then sent me a letter informing me that they would auction off my car on XXXX, in a private sale, unless I paid off the amount due. The amount they wanted was {$3700.00} on a {$3000.00} dollar loan, that {$1200.00} had already been paid. According to DMV code section 3072-j the sale must be conducted in a commercially reasonable manner, ( not a private sale ) Since that time I have received no further correspondence from them. This is another violation of DMV code. They are supposed to tell me how much it sold for and provide a list of payouts and send any amounts over the loan to me. This company is very shady.
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now , 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 reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   XXXX  's requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY pu blic records to the credit bureau. So this makes  2 letters back with 2 different stories about how they allegedly verified this   information of which both are inaccurate. On  XXXX   XXXX , I called the Experian credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY cre dit file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  XXXX  time. I will also be sending copies of this to the BBB and the Attorney General for review.
Product: Debt collection

A voice recorded message keeps calling my number stating that they have contacted me numerous times both verbally and written to tell me of a debt I owe. The woman who leaves her name calls herself XXXX XXXX. She threatens that if I do not call back then the company will be forced to take further measures to collect this debt. I do not know who this company is or why they are continuously calling my phone again and again and again at all hours of the day and night.
Product: Debt collection

wanted to buy a home listed by a realtor, XXXX XXXX listed in XXXX with the greater XXXX  Board of realtors, ( attached ) for XXXX $ and it was advertised that " Seller is willing to do a wrap in this beautiful home... .home is a minor fixer-upper, windows need some scrubbing because of sprinkler water, -- a handy- man special. '' I wanted to buy the home and then help my daughter buy the home from me, as she was a single mom self employed with 4 kids and one with a XXXX and they needed a home. We were told at the title company that my daughter can buy the home directly from the XXXX 's sellers. 
Both sellers and I and my daughter, purchasers, went to a title company the sellers had work previously in a transaction we were told " did not go through '' because the buyers did not qualify.My daughter lives at XXXX XXXX XXXX XXXX XXXX NMXXXX  Nationstar attorneys XXXX and XXXX are still trying to foreclose us in a case fromXXXX! and not settle even in light of the new federal legislation to workout with homeowners. We have lived and payed the house since XXXX. Bought it for XXXX " a handyman special ) and appraised at XXXX with XXXX title insurance. At filing of the lis pendens, in XXXX the house was valued at XXXX for a XXXX 3 bedroom 2 bath house 25 years old, there was a foreclosure sold ( superior property, 4 bedrooms ) down the street for XXXX in XXXX. The owners, XXXX XXXX and XXXX XXXX XXXX have put over XXXX in repairs and plumbing and roof repairs are underway. 
Nationstar bank and " assignees '' ( XXXX ) Bank is attempting to foreclose on a default judgment they could not recuperate anymore from mortgagors on a loan that is not on record prior the land contract The bank is not even waiting for the judge 's decision on the judicial foreclosure ( we paid almost 50 % of the home cash ) but already sent the home to a company called XXXX ( " assignees? " to work with realtors selling it from under us ) We went to a workout that the bank walked off from after us fulfilling all the requirements for a workout, including a condition that was met with delay from the mortgagors ( quit claim deed in my daughter 's name ) which was beyond our control XXXX did not do good on the settlement despite us going to the settlement ( we were offered prior, the house or the money, we told our attorneys, the house ) XXXX has deposited cash in a trust account which has been deposited in court ( around XXXX as far as we know ) I include a couple of checks but the trust company has to do a 3 way reconciliation and provide the authorities the audit results and some money has been retained by. the suing bank, nationstar. WE paid taxes and home insurance. We are told the land contract has been paid in full.
Product: Student loan

XXXX MOHELA customer service keeps hanging the phone up after being on hold. They have the phones turned off due to high call volume at XXXX when they open. They are not answering questions when they are emailed and only say vague information to direct questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Angel Oak Mortgage continues to pull hard inquiries on my XXXX  report every 30-60 days even after filing a complaint, reporting it, and they responding they were not engaging in pulling my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am apply for my first home loan all three credit reports are showing different account XXXX has Direct Student loans that were removed XXXX. XXXX has removed this. And all the letters I have sent the accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar  report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXX P XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX I will be filing form XXXX treasury XXXX forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX ....
Product: Credit card or prepaid card

My credit card had few unauthorized charges on my credit card. I have disputed them immediately online and by mail. While dispute was reviews it accumulated late fees and finance charges. Finally after long time dispute was resolved in my favor and all late fees and finance charges were reversed. However late payment was reported to all credit agencies which is not true as I was never late for payment.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge.
Product: Credit card or prepaid card

I am seeking your assistance to have Capital One Bank refund the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX  ( {$1100.00} ) plus interest that I have paid to my account. The amount is for unauthorized transactions made on my credit card. The bank has refused to refund my money claiming that their research found insufficient evidence of fraud. This claim is unfounded because my credit card is always with me, and I never used it or gave it to anyone else to make any of these purchases. 

These transactions are completely outside of a spending pattern that I have maintained for the past XXXX years, additionally the spending pattern ( please see attached ) is synonymous with fraud. I called Capital One on XX/XX/2023 and requested the time of day that these transactions took place as well as evidence showing that the XXXX chip on my credit card was used. Capital One also refused to provide me with this information. Capital One is trying to evade their responsibility of being negligent for allowing these transactions to be charged to my credit card. They should be held accountable for their negligence.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$60.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$53.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$74.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$100.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$86.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$910.00} Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX