23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called into my mortgage company, Carrington Home Mortgage Services on XX/XX/XXXX to make my mtg pymt. I let the csr know that I needed to break up my XXXX mtg payment into XXXX payments. That I would pay {$1200.00} that day and the remaining sum of {$1800.00} prior to it being actually late. The XXXX confirmed this with me and took my partial pymt over the phone. He confirmed and clarified this is not a problem to do so. That funds would be applied this way and accordingly to my XXXX mtg pymt. When I called back on XX/XX/XXXX, the XXXX said my {$1200.00} was not applied this way and in fact applied to other past previous late charges and that it was not applied toward my XXXX pymt and that my entire XXXX pymt was still owed. I spoke to a XXXX who said she would pull the phone call to confirm that what I said is true and now I'm waiting. This is completely bait and switch and misappropriating my funds without my consent. The XXXX  from my first called assured me breaking my pymt into XXXX pymts was not a problem, nor did he say that the funds could not be applied this way. This if misappropriating and fraudulent on Carrington Mtg 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX XXXX XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.
Product: Vehicle loan or lease

In XXXX we realized that funds were missing from our personal bank account directly after making an automatic payment online for our vehicle payment. We were alerted by our bank to the fraud caused by Ally Financial 's payment processor and advised us not to permit payments through their online system. Then we received a letter from Ally Financial stating that we were victims of identity fraud and financial theft due to a breach in their security system and online payment processing. The automatic payments were cancelled and I attempted to go online and authorize individual payments after that and each time it would not allow me to make a payment or the website was down and I tried to call Ally each time and let them know that I had attempted to make a payment. I was told that the system was being updated and to be patient. Now that they have refused 3 payments they are claiming the vehicle is in repossession without any written notice nor ability to make a payment. I even called 3 times this past week and tried to pay the account in full and the payment was stopped by XXXX XXXX for ANOTHER report of FRAUD! The customer service rep from XXXX Bank told my parents that Ally has been flagged for fraud by the FDIC and they recommended finding another lender. I am now working to trade the vehicle in and obtain another loan with a different financer.
Product: Credit card

My self credit card was shut off due to suspicious activity on my account in XX/XX/year>. On XX/XX/year>XXXX  I emailed self to request a new card. No response. I attempted to call the company with no help. On XX/XX/year>XXXX  I once again emailed the company to request a new card with no response. On XX/XX/year> I called the company numerous times to attempt to resolve my issue. The first 2 attempts they disconnected me. The 3rd attempt I talked to XXXX  she said they were going through a systems update I had the wrong department and needed to call back. I told her that their automatic service was transferring me and would not let me talk to any other department. I asked her to transfer me to the correct department she told me she was unable to and I needed to call back. I once again waited then got XXXX who also told me he was unable to help me due to a systems update issue. I asked to speak to a manager. He put me on hold came back on the line and told me that no manager was available to assist me. I needed to call back. I have attempted for over 5 months to get a new card issued on my account that is prepaid and I have no access to. I am requesting assistance from CFPB to resolve this issue.
Product: Debt collection

A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.
Product: Vehicle loan or lease

Financed the buyout of a lease with Honda financial and sent payment on XX/XX/XXXX along with the requested POA and Odometer statements to have the title transferred. Those documents were imaged by Honda Financial and sent as opposed to the originals to transfer title. State of Ohio requires original documents. Lender followed up 3 and sent updated POA '' s and Odometer statements. They documents continued to be lost. On the 4th attempt documents were sent on XX/XX/XXXX with a prepaid XXXX label prepaid by Honda financial in which they provided an incorrect address. The documents were received by another one of their departments, signed for, and lost again. Lender has offered to receive title with Honda financial completeing the top half as required and process title transfer locally. Honda financial is saying that their process does not allow for this even in the event of continued lost documents, providing incorrect information, and making material misrepresentations about the situation. Original payoff was received by them on XX/XX/XXXX and as of XX/XX/XXXX they have not transferred title.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}.
Product: Debt collection

I sent AMERICAN CORADIUS INTERNATIONAL LLC a cease and desist with a debt validation letter attached on XX/XX/21 after I received several phone calls and voicemails from their agents on XX/XX/21 and XX/XX/21. The letters were sent certified mail with green receipt number XXXX XXXX XXXX XXXX XXXX. The green receipt was sent back to my location on XX/XX/21 and it shows that it was received by an individual with an illegible signature on XX/XX/21. In my cease-and-desist order I demanded that AMERICAN CORADIUS INTERNATIONAL, LLC respond to my debt validation letter and cease all collections of the alleged debt until I can validate it. It has been 27 days and I still haven't received a written response from AMERICAN CORADIUS INTERNATIONAL, LLC. Due to no response, I have not been able to exercise my right in validating the alleged debt. AMERICAN CORADIUS INTERNATIONAL, LLC is in violation of Federal law. Pursuant to 15 USC 1692g ( a ) I was supposed to receive a written notice within 5 days of initial communication. AMERICAN CORADIUS INTERNATIONAL, LLC has failed to comply with this statute. My privacy has also been infringed upon due to numerous individuals communicating with me on behalf of AMERICAN CORADIUS INTERNATIONAL LLC, they are uninterested parties in this matter who do not have my consent to contact me. Furthermore, I am not sure how AMERICAN CORADIUS INTERNATIONAL LLC received my private information or who gave them written or oral consent to contact me otherwise I will need contractual proof. AMERICAN CORADIUS INTERNATIONAL LLC, is liable of committing identity theft, fraud, and defamation of character both libel/slanders. I need this matter resolved immediately. Please respond in writing so that I can resolve this matter and reclaim my worthiness.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$150.00}
Product: Debt collection

I recently received my credit report in order to apply for a mortgage. There were numerous medical collections from a company called Radius Global Solutions. I had never received a letter or phone call from this company and had no idea this debt was out there. I contacted them and paid all of the invoices they had on file, there were XXXX. I asked them to also make sure they would remove this information from my credit history. They refused. No explanation as to why they needed to continue to report this information. They were not interested at all in helping me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is tarnishing my and credit profile by reporting this account without consent. As well as creditworthiness, character, general reputation which also against the FCRA. 
. 
The original creditor, who has violated my consumer rights by failing to abide by the arbitration clause outlined in our alleged contract. If I do owe this alleged debt, I should have been given the opportunity to resolve the matter through binding arbitration, as specified by the contracts terms. 

The original creditor did not initiate or allow arbitration as required, which constitutes a breach of the alleged agreement. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15USC 1681 b, company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX ( XX/XX/year> ) Dear CFPD, I am writing to dispute incorrect personal information on my credit report. The names and addresses listed do not belong to me. Please investigate these inaccuracies and remove them from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

Dear Experian Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment to my credit report. Upon reviewing my report, I noticed inaccuracies regarding accounts listed as charge-offs. These inaccuracies do not reflect my current financial standing or the steps I have taken to resolve past issues. 

I take full responsibility for the past challenges that contributed to the negative information. However, I have worked diligently to improve my financial habits and manage my obligations responsibly. To this end, I am humbly requesting that you remove or correct the following inaccurate items :
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1000.00}, {$12000.00}, {$5600.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


] -- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I have tried numerous times to dispute a debt owed to Capital one by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called Capital one XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXXXXXX XXXX since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote Experian a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Experian then responded back to my dispute letter on XX/XX/XXXX via the Experian online platform and stated that the company that reported the information has certified to Experian that the information is accurate. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. I wrote Experian another dispute letter on XX/XX/2021 and XX/XX/2021 asking them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy. Experian responded back to me on XX/XX/2021 via the Experian online platform indicating that According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). I then heard back from them again on XX/XX/2021 via the Experian online platform of which they provided me with my dispute results as the company that reported the information has certified to Experian that the information is accurate. Experian has illegally re-verified AND illegally claimed the bankruptcy as accurate, however I froze all third party bureaus on XX/XX/2021 ( it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )
Product: Credit card or prepaid card

The Navy Federal member deals portal had a promotion where new XXXX drivers would receive XXXX rewards points to their 'More Rewards XXXX XXXX XXXX card after signup and XXXX completed delivery. I completed this offer around the XXXX of XXXX, but received no rewards points. On our around the XXXX of XXXX, I reached out to Navy Federal over the phone, and was transferred to different departments before I was told further documentation would need to be provided. I was told that I would receive a call back within XXXX business days, but never received said call. 

On the XXXX of XXXX, I received a message in the Navy Federal app asking me to attach supporting documents to assist in the case. I provided bank statements showing the initial deposit from XXXX, the XXXX welcome emails, copies of the background check used by a XXXX affiliate, and so on. On the XXXX of XXXX, I received the same automated message, asking again for the same information which had already been provided. 

As of today, XX/XX/XXXX, I have still not received the rewards points or any further correspondence. I have spent over XXXX hours on the phone with the different Navy Federal departments, and spent even more time going out of my way to gather the information they requested. I completed the promotion in it's entirety through the Navy Federal portal, and have provided more than enough information for this issue to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on XXXX  XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was XXXX XXXX, they would send forms for my XXXX to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and XXXX! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Product: Student loan

I begin using fed loan services in XXXX in XXXX. I moved in XXXX of XXXX, I have reported the change but I did not receive any statements from them which I thought was strange because It was time for me to do a deferment. I contact fed loan services again and I was told that my deferment has ended and it was time for me to renew. as I did, I was n't aware that I was late on payments. 2 years later I check my credit score and it showed that I was 30 days late. so I dispute it with the credit agency and then fed loan services, reported that I was 120 days late. now my credit has decrease due to this. I have tried to dispute this with them and they declined every attempt I have tried to make with correct this issue. I even contacted the ombudsman, and still I receive nothing.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint regarding a recent experience with Synchrony Bank and XXXX regarding two failed XXXX transactions and the subsequent inability to retrieve the funds. Here is a summary of the events : On XX/XX/XXXX, my wife and I set up XXXX joint CD accounts with Synchrony Bank under my wife 's profile. We linked my XXXX savings account as the external account and initiated two ACH transactions, one for {$20000.00} and the other for {$30000.00}, to fund the CD accounts. 

However, on XX/XX/XXXX, we received emails from Synchrony Bank stating that both transactions had failed. We expected the funds to be returned to my XXXX savings account, but after several days, the funds had not been credited back. 

Upon contacting Synchrony Bank, we were informed that due to the CD accounts being under my wife 's profile, only she was authorized to make deposits into them. Therefore, my funds were rejected for deposit. Synchrony Bank attempted to return the funds, but their policy prevented them from doing so because I, as the sender, did not match the intended receivers ( my wife and me ). They advised me to contact XXXX to request an ACH return. 

I contacted XXXX and initiated a dispute. However, after their investigation, they found that the ACH transactions were successful and stated that they had no reason to request an ACH return. I relayed this information to Synchrony Bank, but they maintained that the only solution was for XXXX to request the ACH return. 

Despite multiple attempts to resolve the issue with both XXXX and Synchrony Bank, neither party has been able to provide a satisfactory resolution. This has left me in a frustrating situation where my funds are stuck between the two institutions, with neither taking responsibility or providing a viable solution. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help facilitate a resolution to this matter and ensure the return of my funds. Thank you for your attention to this complaint.
Product: Credit reporting or other personal consumer reports

Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.