23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$1000.00} to pay back while I got my finances caught up and realized that my interest accounts for more than half of my original payment! I am XXXX payment away from paying off the original amount that was deposited to me but my account says I still have a balance of about {$630.00}.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/23, XXXX XXXX I was never late on a payment According to USC 1681i ( a ) ( 6 ) ( B ) ( iii ) a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including proof showing late payments were late. Not word of mouth. 
Include an investigation of the XXXX on my profile
Product: Debt collection

I have National Credit Systems reporting to three credit bureaus that are not mine.
Product: Credit reporting or other personal consumer reports

The following accounts were not authorized by me. Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted 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
Product: Checking or savings account

On XX/XX/2021, I received a U.S. BankReliaCard debit card in the mail. The card was issued to me under the District of Columbia Unemployment Insurance Program. However, I've never filed for unemployment insurance and I did not open this account. I called US Bank to deactivate the card and report fraud. I plan to contact the D.C. unemployment office next to take my name out of their system.
Product: Credit reporting or other personal consumer reports

I have attempted several times to correct or provide a reasonable explanation. If I am fortunate enough to finally reach a person after XXXX minutes dealing with the XXXX, they are unable to assist and/or will provide an unrelated answer that provides no help. 

During the previous XXXX to XXXX years, my credit score has not been below XXXX, and at times has been a perfect XXXX, unless there was an error by Equifax. 

Recently, my credit score has been in the XXXX range and at times much lower and no one is able to explain. My credit score will change drastically downward by as much as XXXX  points, and no one can explain. 

I review the categories, listed below, they are not represented correctly and are hurting my credit score. I have worked very hard during the last XXXX decades to maintain over XXXX credit score, but it is impossible with whatever is being managed behind the scenes that no one can explain. 
PAYMENT HISTORY - 35 % of score - Rated EXCEPTIONAL AMOUNT OF DEBT - 30 % of score - Rated VERY GOOD?? - MY DEBT RATIO IS LESS THAN 1 %!! HOW IS THIS NOT EXCEPTIONAL?? 
LENGTH OF CREDIT HISTORY - 15 % of score - EXCEPTIONAL AMOUNT OF NEW CREDIT - 10 % of score - FAIR?? - DURING MY MORTGAGE RATE SHOPPING WHEN RELOCATING THERE WERE XXXX OR XXXX HARD INQUIRIES WITHIN XXXX WEEK. ACCORDING TO EQUIFAX 'S OWN PROCESS, THESE SHOULD BE COMBINED AS XXXX HARD INQUIRY. I HAVE EXPLAINED THIS SEVERAL TIMES TO EQUIFAX AND THE ANSWER IS THAT IT IS SHOWING IN THAT MANNER, BUT NO ONE CAN PROVIDE DOCUMENTATION. XXXX XXXX  AND XXXX HAVE XXXX HARD INQUIRIES AND THE INFORMATION IS FROM EQUIFAX. 

I HAVE NOT SPOKE TO ANYONE WORKING FOR EQUIFAX THAT WILL ACTUALLY TAKE THE TIME TO RESEARCH OR REVIEW WITH ME. I HAVE ONLY BEEN PROVIDED WITH AN ANSWER THEY FEEL IS CLOSE TO MY ISSUE, BUT IN REALITY IS NOT. I SPOKE WITH XXXX PERSON AND HE PRETTY MUCH STATED, OH, YOU JUST HAVE TO TRUST THAT EQUIFAX IS DOING THIS CORRECTLY. I HAVE ATTEMPTED TO PROVIDE PROOF, BUT NO ONE THAT I HAVE SPOKEN WITH SEEMS TO CARE AND DEFINITELY HAS NO INTEREST IN SPENDING THE TIME TO INVESTIGATE. THESE ISSUES HAVE BEEN GOING ON FOR APPROXIMATELY XXXX MONTHS NOW. PRIOR TO THESE ISSUES, THERE WERE OTHERS THAT TOOK MONTHS TO RESOLVE AND THE ONLY REASON THEY WERE RESOLVED IS BECAUSE OF THE COMPLAINT THAT I FILED ON THIS WEBSITE. EQUIFAX IS SUPPOSEDLY MANAGING XXXX OF THE MOST IMPORTANT ITEMS THAT EACH PERSON NEEDS TO MANAGE THEIR OWN LIVES, YET THEY DO NOT SEEM TO CARE. VERY VERY FRUSTRATING TO SAY THE LEAST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is improperly reporting the " Date Opened '' on my Consumer Report for account XXXX
Product: Credit card

On XX/XX/XXXX an autopay payment failed to go through due to insufficient funds in the account I had provided, I was out of the XXXX at that time dealing with a family emergency in the XXXX so did not notice. 
When I had the time I updated my details and made a manual payment on XX/XX/XXXX, with the amount being charged to my XXXXXXXX XXXX account on XX/XX/XXXX. 
I then received an email on XX/XX/XXXX from Synchrony, confirming my payment had processed. 
I received another email on XXXX saying my autopay was scheduled for the payment due XX/XX/XXXX and would be processed soon. 
However on XX/XX/XXXX I received an email saying my payment was now late, which seemed confusing given I had not only a ) paid on XX/XX/XXXX and b ) was told autopay would be processed soon after XXXX. 

When I checked my statement I saw that the XX/XX/XXXX payment had been reversed, and upon contacting Synchrony they told me this was due to my bank rejecting it. I checked with my bank and they had no record of the payment being returned ( and it still remains debited to my account ) or any issues with it.

I did not receive any notification that the payment had failed, and indeed only received notification that the payment had processed. 
When I asked about why autopay had not been processed, as I had been notified about, Synchrony told me that it had been turned off as I had made a manual payment in that statement period.

There are therefore a number of things that don't make sense - 1 ) Why did I receive a notification that my payment had been processed AFTER they are claiming it was rejected. 
2 ) Why were the funds not returned if it had failed.

3 ) Why did I receive notification that auto pay would process if it was turned off due to the payment and 4 ) Why, if this payment failed, did it still turn off autopay.

I have made repeated attempts to resolve this but responses have varied between maintaining that the payment failed/justifying the auto pay issue and completely misunderstanding my query and referring to unrelated transactions. The main thread ran out of characters and subsequent attempts to send a message have resulted in the AI assistant stepping in and the message not sending.

I have attached screenshots of the emails I received, the correspondence so far and the payment that was taken but has not yet been returned.
Product: Credit card or prepaid card

Comenity Bank closed 2 of my cards within the past 2 weeks. I reached out to ask them why, and they claimed inactivity. I used both cards ( Victoria 's Secret and XXXX  XXXX ) within the past 6 months, and we are in a pandemic, so that should be more than good enough and should NOT entail closed CC accounts. 

I reached out to them on XX/XX/XXXX regarding my XXXX XXXX account, and they gave me a canned message ( see below ). Today I saw that they ALSO closed my Victoria 's Secret account ( XX/XX/2020 ) via my credit monitoring service. 

This is a problem as my credit score is above 800 and they shouldn't be closing accounts during a pandemic when stores are not open. Also, inactivity should only kick in after 6 months, and should be entirely waived during a pandemic/ national stay at home orders. 


" I am with Comenity Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We closed your XXXX  XXXX account on XX/XX/2020 due to inactivity. 

We let the national credit reporting agencies know that your account was closed at your request on XX/XX/2020. 

We value having you as a customer. 

Although your account is now closed, we hope you will continue to shop with XXXX XXXX and invite you to apply for a new XXXX XXXX account in the future. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team ''
Product: Mortgage

RoundPoint Mortgage Servicing received two payments in XXXX but only credited one. Claim we are not paying on time, charging unwarranted late fees and damaging our credit. We have provided our bank statements four times. The bank statements unequivocally show that they took our money but did not credit our account!
Product: Money transfer, virtual currency, or money service

For a week, I was misled through a scam disguised as a job interview and hiring process for XXXX. I was literally tricked into sending this company all of the money out of my account through XXXX XXXX ( {$1300.00} ). I have since then called both my bank account and reopened an account ( TD bank ) and also contacted XXXX  XXXX  to reach no resolve. I closed my account and disputed charges, but they are saying that they can not redistribute my funds because it was sent through a third party they can not redistribute my funds. XXXX XXXX has also said the same thing. This was FRAUD and I can not receive the money I was scammed into sending.
Product: Debt collection

Got mulitpule calls from this company saying that i owe a debt and that i needed to pay it before my wages started to get garnished. i told them i dont know of such debt and can i be provided in paper form the original contract with my signature on it and proof that they have the right to collect a debt from me an i was never given the proof that i asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies VIOLATED the FAIR CREDIT REPORTING ACT!!! PLEASE READ ATTACHMENT FOR MORE DETAILS!
Product: Debt collection

Ive never had dealings with Kik off lending and Ive already stated this but Im not getting help with the case I just keep getting told because of my email This account is verified I could easily hide my email and make another one I know people who work in cybersecurity i XXXX XXXX its not hard to use someone elses email even with them having it
Product: Checking or savings account

The following is what was sent BoA in XXXX : I am writing regarding the findings of a dispute that I reported to your fraud department concerning a wire transfer. The confirmation number of the dispute is XXXX I was informed that the dispute of the {$30000.00} was denied due to our not reporting the issue within 60 calendar days from the date of the statement. I would like to explain the background to you as to why this did not occur and that the 60 days should not be a factor in this situation. 
In the summer of XXXX, we were having issues with our accounts being hacked/scammed constantly. As a result, we were continuing to have to close accounts and then open new ones. Evidently BoA got tired of this and after 40 plus years with you closed all of our accounts. ( As an fyi for you when we switched banks the hacking/scamming stopped ) Because of all that had transpired we had no idea if the amount of money that we were given upon closing was correct and what kind of shape our accounts were in we requested statements for all of XXXX and XXXX. We then painfully went through each statement line by line which is where the wire transfer fraud was discovered. 
I can understand that there has to be rules put in place but there also are extenuating circumstances that should overrule them. I see this as one of those situations. 
In addition, my wife and I are XXXX XXXX XXXX and need every XXXX we can get. 
We would appreciate you taking all the above into consideration and sending us a check for the fraud amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a XXXX situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.
Product: Mortgage

In XXXX of XXXX I was contacted by Fay Mortgage Company stating that my mortgage was behind and there was a demand on my note. The mortgage was previously owned by XXXX XXXX. When I took the time to research my account I noticed that I had few errors were made on the account and I then brought my account current in XX/XX/XXXX. 
On XX/XX/XXXX, I received a notice that my mortgage was in default. I contacted Fay and I was informed that I noticed there was an payment was reversed twice and my account was debited on the same day the payment was reversed. I was told that this is because my previous mortgage ( XXXX XXXX ) informed XXXX that a payment was returned in XXXX which was over six months ago. This is very hard for me to understand that a bank would reach out to my new mortgage company after six months stating that there is an error. When notes are sold they are typically audited before being sold and now I'm told my note is in default again. According to my records I have a payment that is due for the month of XXXX and XXXX. And recently made a payment on XX/XX/XXXX that was debited from my checking account. I also had prepared an auto debit with Fay for my next payment at the end of XXXX month which is no longer showing on my account. I've asked Fay to take the time to review the 12 months of bank statement, along with my payments and a spreadsheet to use to for them to cross reference. I have placed a check mark next to each debit with the date the payment was withdrawn from the account. This company has made several changes to my account with no communication at all. I have attempted to communicate with them in XXXX to bring my account current and they were unhelpful. At that time I attempted to contacted my work out manager and never received a call back or email back. All of this information has been documented on a spreadsheet with email communication that can be sent in a PDF format. I feel that is wrong and other people may not speak up to ask for help as this company may be intimidating them with poor communication and demand letters.
Product: Credit card or prepaid card

Citi closed down 4 different credit card accounts on XX/XX/2018, and confiscated more thatn 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the last 5 or more years. Citi did not provide me an explanation for closing of all the cards and did not provide me the capability to cash out my points. 

As a result, I would like to have a judge adjudicate on this matter. I would like from Citi corporate to provide the correct mailing address whereby I can serve them with the necessary paperwork. 

The mailing address has to be a XXXX California based mailing address as that is where I agreed on the cardholder agreement.
Product: Debt collection

US Bank is currently reporting an unvalidated debt through a collection agency XXXX XXXX XXXX. I have reached out to US BANK and they do not have a record of the debt. I have contacted XXXX XXXX XXXX asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can US BANK or XXXX XXXX XXXX validate its grounding for payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXXXXXX XXXXXXXX reported XX/XX/XXXX. 
XXXX XXXX XXXX balance XXXX date opened XX/XX/XXXX XXXX reported XX/XX/XXXX. 
XXXX XXXX  Past due amount $ XXXX status ClosedDate reported XX/XX/XXXX Santander consumer. Past due amount $ XXXX statusClosedDate reported XX/XX/XXXXXXXX XXXX XXXX/ XXXX XXXX XXXX Past due amount {$2600.00} Account status Closed Date reported XX/XX/XXXX i have reported to these companies that these are not my accounts and that this is identity theft.
Product: Debt collection

Radius Global Solutions called me in XX/XX/2019 regarding an account with XXXX that I verbally told them I disputed. They sent me a letter. Initially I was going to dispute it, but given the time and energy to dispute a {$240.00} charge, I reluctantly decided to pay it to settle the matter. I opted for the online payment option and initiated the transaction online. I wrote " paid '' on the letter and filed it in my tax documents. Fast forward to XX/XX/2019, I happened to check my credit report and was stunned to see an open collection amount from Radius Global Solutions ( I do not have any other collection accounts and have a history of paying my bills on time! ) I was enraged that I had not heard from them since XX/XX/2019 but yet they reported my account to the credit bureaus. Further, sometime over the late spring/early summer, I had received a letter from the original creditor informing me that there was a data breach with this company and my payment information had been compromised. 

Upon reviewing my credit card statements, the amount I had paid online was not processed. I am assuming this had to do with payment system breach. 

When I questioned Radius why I had not been contacted by them since that initial communication in XXXX, their response was " we called you 33 times. '' Yet, they did not leave one voice mail. In the age of endless solicitation, I do not answer calls from numbers I do not know. I also received no other written communication from them that they had not received a payment or a dispute and that they would be reporting me to the credit bureaus. Radius told me that they are not required to leave voicemails or send additional letters. But yet they called me 33 times ... 

The business practices used by Radius is what gives collection agencies a bad name.
Product: Checking or savings account

We notified Wells Fargo about a XXXX  transaction that was fraudulent within hours of the transaction. We agreed to purchase XXXX XXXX concert tickets for {$1200.00} and soon found out that the person had hacked the person we thought we were dealing with. They said they would investigate the instance and request the funds back. They reached out to the bank and the bank said the money was no longer in the bank. They really didn't do any investigation and with the amount of money involved it is considered felony as one they were impersonating another person and we were promised tickets for the money which is theft. I don't believe they even remotely tried to get our money back. We have all the communication with the said person saying they would return the money.
Product: Mortgage

RE : Truist aka Suntrust. Loan # XXXX Property Address XXXX XXXX XXXX XXXX, Ga XXXX Map # XXXX XXXX In spite of taking funds out of my escrow account to do so the Bank has not paid my City of XXXX, GA property tax or my XXXX County property tax both of whom are threatening to put a Lien on my property. I have contacted the Bank on XX/XX/2021, XXXX and XX/XX/2021 and was told that they would research the issue and reach out to the taxing authorities in the meantime. I contacted the taxing authorities on each of those dates and was told that the taxes have not been paid and no one from the Bank has ever contacted them. My address is XXXX XXXX and my neighbor 's address is XXXX XXXX. It is my belief that they used the wrong address and map # when paying taxes but have failed to straighten this out.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 182199490 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you