23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied and obtained a credit card account with XXXX XXXX/ synchrony bank while I was in college I worked for XXXX XXXX part-time. I was never late on making payments throughout my time in college because I maintained steady income from my part-time job. I recently XXXX from college and my part-time job ended.Presently, I am currently unemployed looking for stable employment. Due to this hardship I was unable to make any payments any longer and I realized that the debt I incurred was discharged and marked delinquent onto my credit reports. I want to take full responsibility and possibly work-out a payment plan with synchrony bank once I'm gainfully employed full-time, however I just learned that synchronybank/XXXX XXXX sold the debt and remaining balance to a debt collector ( XXXX XXXX XXXX, XXXX ) and they filed a lawsuit against me in the XXXX county court here in XXXX, Ga. They come out to my home with court documents on XX/XX/18 and case number for the lawsuit # XXXX. I have been very distraught about this matter.I think there debt collection practices are extremely agressive. I'm willing to mediate with synchrony bank to resolve this matter if there are any options availble for me and my current financial situation.
Product: Debt collection

I setup an XXXX though XXXX XXXX in XX/XX/XXXX and set them up as my registered agent. I paid the due amount in full. At the point was there ever a notification that a yearly recurring charge will be posted for registered agent. At no poont did I request or authorize these charges. Receivel a collection letter this month. 

1 ) no notification of yearly charge of {$170.00} for RA 2 ) price increase without notice - it has ballooned to {$390.00} 3 ) adding charges for additional services not requested or needed. as part of their fee justification- they added a " legal form '' service 4 ) XX/XX/XXXXis no longer my registered agent I CalledXX/XX/XXXX today and after nearly 1 hr run around - was transferred to a " retention specialist '' that offered to settle the manner for XXXX. They state they emailed customer price increase from XXXX to XXXX but I archive all emails and not notification was ever sent. 
Emailed and faxed collection agency disputing this debt.
Product: Mortgage

On XXXX XXXX, 2016 my mortgage with Freedom mortgage was paid in full and I received a payoff letter from Freedom Mortgage confirming this on XXXX XXXX, 2016. On XXXX XXXX, 2016 Freedom Mortgage withdrew a principal and interest payment of {$2000.00} from my bank account resulting in an overpayment. Despite XXXX or more calls to Freedom Mortgage to recoup these funds, I have not received them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into my XXXX XXXX  account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND SYNCHRONY BANK ( XX/XX/XXXX ) used for my care credit account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.
Product: Credit reporting or other personal consumer reports

I would like to remove all incorrect information from me credit report.
Product: Credit card or prepaid card

I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint
Product: Credit card

On XX/XX/XXXX I noticed that I had a credit card for Sephora on my credit report. I have never applied for or used this card. It is in collections and I've never received any information on this card until now.
Product: Credit reporting or other personal consumer reports

To Whom It My Concern Dispute Center In reviewing my Equifax Credit Report on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my XXXX XXXX account needing to be listed on my Equifax Credit Report. 

Since XXXX XXXX did not list my account on the Equifax report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with XXXX XXXX not reporting my credit information to Equifax, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report XXXX XXXX on my Equifax credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

XXXX XXXX XXXX XXXX  XXXX notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to Equifax and spoke with XXXX XXXX Equifax representative identification # XXXX. He stated that I must contact XXXX XXXX to resolve the problem.
Product: Debt collection

I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. 
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, and Account # XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from an alleged credit reporting company that I have never heard of that says it is getting information from the well known credit reporting agencies and is soliciting information from me. 

The alleged company is Innovis and when I called I spoke with someone in the XXXX that requested additional information from me in order to provide me with their " report. '' I have two credit cards and one car loan. My credit reports accounts are frozen with all the well known reporting agencies. 

The phone # is XXXX The company address is per their letter to me : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

My husband and I have been a Bank of America customer for 14 years. We have always made our credit card payments with them on time. In XXXX of XXXX they increased our balance from XXXX to XXXX. We have our credit card payment down to {$600.00} owed. We received a zero percent credit card transfer offer on this card this month good until XXXX XXXX with no interest until XX/XX/XXXX. We called to update our income and without our permission they ran a soft credit report. XXXX XXXX who is in their credit and underwriting department said due to our low payments they are lowering our credit line from {$8000.00} to {$800.00}. Im confused bc we have made way more then low payments. What about the false advertising that we had until XX/XX/XXXX to make this transfer. Not only did they falsely advertise they are now hurting our credit by decreasing our limit for no reason.
Product: Credit reporting or other personal consumer reports

On or about Monday, XXXX XXXX XXXX, I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

I called MoneyGram customer service today, on XX/XX/23, at approximately XXXX XXXX  Northeastern Time, regarding issues with logging into their website. Unfortunately, they informed me that they had detected suspicious activity and decided to block my access to MoneyGram, which I believe to be arbitrary and unfounded. 

I politely inquired about the specific allegations of suspicious activity, but they declined to provide any details and simply initiated an internal case. 

Furthermore, I politely requested to file an internal complaint for documentation purposes, and they assigned a case number, XXXX. 

Finally, I asked for information regarding the regulatory authorities to whom I could report my complaint due to their XXXX waiting period. However, the supervisor, XXXX, refused to provide this information. 

I have concerns that MoneyGrams actions may not be in compliance with federal or state laws, and I feel that my rights may have been violated through discriminatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report I noticed that XXXX XXXX XXXX is reporting a debt collection for the amount of {$400.00} for apartment called XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this account I have never applied for such apartments either did I even reside at XXXX XXXX XXXX, I believe my information has been used to apply for the apartments. I have reside at the same residence for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my credit report, showing on my XXXX, XXXX and Equifax. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.
Product: Checking or savings account

I am writing to file a formal complaint regarding overdraft fees charged to my account and what I believe to be misleading advice provided by a representative of my bank. 

On XX/XX/XXXX, I overdrafted my account twice, resulting in a negative balance of {$280.00}. The following day, XXXX overdraft fees were charged to my account. A separate bill of {$4.00} also overdrafted my account further. To rectify the situation, I immediately deposited {$5.00} to address the smaller overdraft. On XX/XX/XXXX, I withdrew {$40.00}, but then returned {$40.00} to the account the next day to cover that amount. 

Upon reviewing my account on XX/XX/XXXX, I was surprised to find that I had been charged an additional overdraft fee after depositing the {$40.00}. I was aware that my account still had an outstanding balance of {$340.00} ; however, the main grievance stems from the fact that a bank representative, on a recorded call, informed me that if I paid the overdraft amount before XXXXXXXX XXXX the next day, I would avoid further fees. 

Despite following this guidance, I was still charged additional overdraft fees. This advice, along with the multiple fees incurred, seems inconsistent with my understanding of the banks overdraft policy. 

I am requesting the CFPB 's assistance in investigating this matter and ensuring that the bank 's practices are fair and transparent. I believe the overdraft fees applied to my account were unfairly assessed based on incorrect information provided by the banks representative. 

Thank you for your time and attention to this matter.
Product: Mortgage

I received my 1098 from Mr. Cooper and noticed that the " Loan Origination '' date was incorrect. I attempted to call them but was stuck in a perpetual cycle of the automated phone system with no way to reach a customer service representative. I then submitted a ticket in their online portal, where they assured me the Research Department would be looking into my issue. One week later I received an email from Mr. Cooper 's research department stating that I must contact my previous lender to receive my 1098 from 2023. I should not that Mr. Cooper acquired my mortgage from another company in XX/XX/2023, and after making 1 payment on my mortgage to Mr. Cooper, I sold my home and closed out the mortgage with Mr. Cooper.

I have resubmitted a ticket through Mr. Cooper 's online portal, as well as emailed their Research Department directly. It is unacceptable to me that their own Research Department could not resolve my issue after looking into it for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

I had a personal issue that caused me some life disruption, leading to the the account to which my auto-pay was connected to run empty and thus I missed my timely minimum payment. I quickly noticed the error ( more than XXXX week, but less than XXXX days ), made the payment from another bank account, and set the new bank account to auto-pay to ensure I didn't let this happen again. Or to reduce the chances, let 's say, because mistakes happen -- right?! We still believe that, that mistakes happen, right?! 

Citi closed my account. With no other explanation. They sent me a letter that said they periodically review accounts, and since I recently made a late payment, my account was closed. I called them, and they said if the letter doesn't contain options for reopening the account then there is no option/offer to reopen the account. 

Now I've been a " good customer '' of theirs, paid plenty in interest over the years, so I don't even understand their business motivation, much less whether and how this is legal. I don't recall ever being late on a payment previously. I often pay the balance each month but lately I've been carrying a balance for them to charge interest on, so I don't see what they are thinking. I have good credit over XXXX and you don't get that if you're late all the time. 

I do have two theories as to what may be going on and they are quite opposite one another. 1, to explain the overreaction and too abrupt a response, perhaps it's inadequately monitored algorithms moving so quickly they are cutting of Citi 's nose despite Citi 's face ( and customers ). If it's not algos run amok, perhaps the card issuers collude to keep consumers in unfair terms and prevent consumers from playing the issuers off of each other with sudden disruptions. I did just recently do a large balance transfer from Citi to a 0 % rate card; did that anger them and is that the real reason they closed my account? 

If this is legal, it shouldn't be. I feel like Citi has more obligation than this to its customers, or it should have.
Product: Debt collection

I tried contacting the National Credit Adjust and also sent a certified letter to Credit bureau XX/XX/XXXX. By lawXX/XX/XXXXhas to confirm the validity of this alleged debt with 30 days or delete it from my credit file. I have a copy of this certified letter and it is dated XX/XX/2020. Today is now XX/XX/2020. I have not heard from either company. Both companies are past the 30 day deadline.
Product: Mortgage

I have been locked out of my home by Chase Home Finance. They had XXXX sheriff deputies attend and they had their charges to remove my belongings and put them out in the yard. Chase says they were acting on behalf of their investor, the Secretary of Housing and Urban Development ; the trustee deed they have had HUD 's name on it as grantee. This is new information as HUD has stated they have no interest in the home and they gave me a statement saying the balance was XXXX and the maturity date was the year XX/XX/2011. Chase is blaming HUD and HUD is saying there is no history of Chase being the lender. Chase now says they were the servicer as they assumed that role when XXXX merged with them, but who appointed them? Chase has caused my home to be advertised for {$1000.00}. So, who is responsible HUD or Chase? The lender, XXXX says that the loan is paid in full and there is nothing due or owing. Chase concedes now XXXX was the lender. How can the servicer now say that the lender can not release the deed of trust and that there is more money owed?
Product: Credit card

I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info.
Product: Consumer Loan

Santander consumers are the worst finance company ever. They towed my vehicle today for delinquent payments since XX/XX/XXXX. Mind you, it 's XX/XX/XXXX. I first purchase my vehicle from them in XX/XX/XXXX, the loan was {$25000.00} with monthly payments of {$570.00} a month and the balance is still XXXX. All my payments went to interest and {$0.00} went to the principal. Also, was charged {$10.00} for extra fees every month. I wrote 5 certified letters to Santander request my singed agreement terms. However, no response, called and was on hold forever and was given the run around. Never a straight forward wander. Then on top of that they reported on my credit stating I have n't been making my parents. 

This morning I got a call from my cousin, stating someone called him to tell him my car is being towed and to come get my stuff out of it. That was when I found out my car was being towed for delinquent payment because I have n't paid since XX/XX/XXXX I was so confused when I paid it on the XX/XX/XXXX. When I called satander, they stated I had a late payment in XXXX and that late payment accumulated to {$2000.00} then on top of that I have to pay for the repossess payment which was {$3500.00}. This company is ridiculous. Someone has to do something about this company ripping people off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

American Honda Finance has been reporting missing payments to credit bureaus for months that I paid and I have proof. Since I purchased this vehicle it has been nothing but problems with this finance company. XXXX, XXXX, XXXX, Payments were drafted out of my bank account. Im currently going back other months with my bank. American Honda Finance has been doing bad business since this vehicle was purchased. Over priced finance charges even with a co-signer and a large down payment.
Product: Credit reporting or other personal consumer reports

The recent changes in my credit report have left me feeling distressed, dissatisfied, and XXXX. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Product: Credit reporting or other personal consumer reports

This account is not valid delete immediately from my credit report. 

Account Name : XXXXXXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with this XXXX XXXX XXXX XXXX account after the investigation.In my dispute, I disputed the amount and payment history reported in my file, I contacted the company back in XX/XX/year> and again in XX/XX/year> and the response has been the same THEY DONT HAVE RECORDS OF THIS ACCOUNT and its still reporting on my credit.

In accordance with the fair credit reporting Act only properly and validated information is supposed to be reported in your credit report.

This account needs to be removed from my credit report immediately.Please delete the account since they don't have any such record and send me an updated credit report.