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

I made a purchase with XXXX, but instead of using my card it asked if I wanted 6 months free interest with XXXX so I went ahead and paid with XXXX. Out of the blue about 6 months later I get a bill for almost {$800.00} on my credit card. At the time I was not paying attention, I just paid bills off. It dawned on me I hadnt bought anything with XXXX so I called and talked with them and the girl I was speaking with said she would get me a supervisor, right after she reports a dispute, supervisor comes on and recognizes the mistake that has been made and refunds me my money, ( this is 3 months later ) not like me saying I need to take that payment back. But they never removed the dispute, so I get a bill in the mail a few months later saying I have missed a payment I have late charges and now Im calling again speaking with the fraud department who acknowledges that this definitely needs to be removed, but they need to send me to the right people to fix it. So now Im talking to a girl who said after 2 hours of them listening to my recorded phone calls, that she is going to get it fixed and will call me the following week, that was 2 weeks ago. And yes I have received another bill and late charges and reporting to the credit bureau! I have sent them all the proof that XXXX paid this bill, even had a couple returns where XXXX would refund them some money! They arent fixing it, they dont care and they are ruining my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  # XXXX, has violated my rights.
Product: Credit card

On XX/XX/2023, I initiated a transfer of the remaining balance of {$1200.00} from my Ultimate Card to my BECU credit card. 

Subsequently, I was informed that Comenity Bank had received the check, as confirmed by my BECU bank representative, who provided me with proof of the cleared check, indicating that it was indeed cashed by Comenity Bank. However, to my surprise and dismay, my Comenity Bank statement continued to reflect the check as returned, and I was subsequently charged a check return payment fee and an additional interest fee of which I had no prior knowledge.

Initially, I considered the possibility of an error on the check itself. Consequently, I promptly contacted my BECU bank representative, who diligently assisted me in verifying the status of the payment. The evidence provided clearly demonstrated that the check had been successfully cashed by Comenity Bank. Regrettably, despite the conclusive proof of payment, Comenity Bank has yet to reconcile the debt that I have already settled. Instead, I have continued to incur interest charges and fees, which persist to the present day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and account thats not mines on my credit report XXXX XXXX XXXXt thats not mines but the credit bureau XXXX refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Product: Credit card or prepaid card

I never opened a Credit Card with SYNC Bank. You have no signature from me indicating that i was consenting to the issuance of a Credit Card. This is a Fraudulent account and it must be taken off my account immediately. 
If i was the one who opened this account, where is the application and significant signature authorizing it? If you can't provide me these proofs, then you should relieve me of this burden and restore my account to how it was before this NIGHTMARE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2021, I deposited a check into my account to avoid my account being closed. On XX/XX/2021, they told me that my account was closed, the check was not accepted, that I could go deposit it into another institution, in which I did on XX/XX/XXXX. 2021. My wife 's bank accepted the check, put a hold on the funds for XXXX to 5 days. On XX/XX/2021, my wife '' s bank made the funds available to us. On XX/XX/2021 the check was kicked back or returned in other words because Citibank did in fact accept the check. They then proceeded to put a block on my account, giving me no access to my money even though the check has been cleared, and the federal reserve has paid them. I have been told the check in being held because fraud, because the check has already been deposited into another bank, and or because my account was being closed. I have called multi times, i have called the bank who issued the check, saying the funds have been cleared for days. I have gone into the branch. I know that it is illegal to hold a check for more than 7 business days without cause. The check is not going to be returned because the funds have already cleared and my wife 's bank already returned the check for it being accepted into my bank. I have emails saying they accepted the check on XXXX XXXX 2021. Then on XXXX XXXX they said my account was closed, then on XX/XX/2021 they said they accepted the check and funds are available for immediate use. I have talked to two supervisors who said there is no reason for the account to have a hold on it. I had one who tried to remove the hold and was unsuccessful due to the security department not allowing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XX/XX/ Balance {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate FCRA laws. 

I have requested multiple times to provide proof of two accounts in question ; XXXX and XXXX XXXX, and Experian only replies that these creditors confirmed the accounts. 

They never provide any proof, and continue to report negative information on my report without any proof. The creditors never provide proof either. Experian, XXXX and XXXX XXXX are all violating the FCRA. 

Unverifiable information must be removed or corrected, usually within 30 days. FCRA 623 ( b ) ( 1 ).

These companies also violate 15 U.S. Code 1681s2.
Product: Mortgage

Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.
Product: Student loan

I have completed 10 years of eligible XXXX XXXX in XX/XX/XXXX and am waiting for both FSA and MOHELA to process my information to have my loans processed and XXXX. 

MOHELA : I have requested to change payment plans to a different Income Driven Repayment ( XXXX ) plan on XX/XX/XXXX, and to be placed on a processing forbearance ( which is eligible towards XXXX ), which I was told would occur within XXXX business days ( during a phone call on XX/XX/XXXX ), and has not. 

Federal Student Aid ( FSA ) : the website has the incorrect number of eligible payments ( payment count is XXXX ) listed for me for Public Student Loan Forgiveness ( XXXX, ) holding me back from full forgiveness and discharge of my loans for 10 years of eligible employment in non-for-profit hospitals. The months in question include XXXX & XX/XX/XXXX ( for which I have documentation that these months are eligible ). I have submitted a Reconsideration Request ( # XXXX & # XXXX ), without resolution on XXXX/XXXX and XX/XX/XXXX. I have also submitted a " buy back '' request on XX/XX/XXXX ( Case # XXXX ), which I have had no updates on or an offer to buy back the months I need to achieve forgiveness and loan discharge.
Product: Mortgage

My family was a victim of Flagstar Banks mortgage servicing tactics. Our initial modification application took 20 months to process. I recently learned that there was a settlement made with people in our situation and I had no knowledge and was not included in this settlement. My belief is that they sold our loan right before they made this settlement to avoid responsibility.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX XXXX., I had an XXXX XXXX  XXXX XXXX, and was able to make an early morning appointment with my XXXX  at XXXXXXXX XXXX. My co-pay was {$90.00} and I was prescribed XXXX  on the same day. On XX/XX/XXXX, I submitted the receipt to XXXX  XXXX, in order to get reimbursed from my medical flexible spending account. The receipt clearly indicated the provider, the date of the appointment/ services, types of services " co-pay for today 's visit '', and the amount charged. However, on XX/XX/XXXX, I received a letter from XXXX XXXX saying that my receipt didn't provide the information mentioned above, and that it was only a credit card transaction ; I re-submitted the receipt highlighting the information that's required by IRS to XXXX XXXX on the same day XX/XX/XXXX, then received the denial letter on XXXX, citing the same reason : the credit card receipt didn't provide the information needed- which is false. 

It has been an ordeal to submit claims to XXXX XXXX as they have different standards for claim reimbursement.I filed a complaint to CFPB in XXXX to get a resolution on a product, which was resolved with their apology, then in XXXX they denied the same product, yet I couldn't reach the claim department, so I had to complain to CFPB about XXXX XXXX for the second time, which was resolved as well. I have seen my XXXX  twice so far this year, prior to XX/XX/XXXX, I had an appointment on XX/XX/XXXX, with the same amount of co-pay and the same form of receipt. I have attached both receipts : in XXXX it was approved, but in XXXX it was denied. 

p.s. The claim amount is {$93.00}, with {$3.00} is the mileage on top of the {$90.00} medical co-pay
Product: Credit card or prepaid card

After numerous request with Synchrony Bank. to send me statements for my accounts, I still am not receiving my statements. 
On my XXXX XXXX XXXX Card, my name on the card is incorrect. It should read XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. The letter alleged a debt which i do not owe. This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, and attached copies to this complaint. Equifax is unlawfully reporting this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. Equifax is in gross violation of my rights as they have continually done in the past. 

XXXX AND XXXX HAVE DELETED THIS INACCURATE FROM MY CREDIT REPORT. EXQUIFAX ONCE AGAIN VIOLATES MY RIGHTS AND COSTS ME MORE IN INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get my credit report
Product: Debt collection

Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal employee from the XXXX Police Department officer name : XXXX XXXX and her debt collection company name : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX VA XXXX Potetial Criminal Activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, and thank you.
Product: Debt collection

This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the accuracy of certain information contained in my credit report. I believe that these inaccuracies violate 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports.

Inaccurate Accounts : These account are inaccurate its showing to be charged off monthly. Accounts can only be charged off once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have significantly impacted my creditworthiness and have caused the following adverse effects : Denial of Credit Applications : Due to the incorrect information, I was recently denied credit, which has caused financial hardship.

Higher Interest Rates : The inaccurate data has led to a lower credit score, resulting in higher interest rates on the credit that I have been able to obtain, costing me more money in the long term. 

Damage to My Reputation : These inaccuracies have caused undue stress and embarrassment, particularly when my credit report was reviewed for housing. 

Financial Strain : The errors have affected my ability to access necessary credit for emergency expenses, impacting my financial stability. 
Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), I am entitled to have accurate information reported. I request that you investigate these errors promptly, correct the inaccurate information, and provide me with an updated credit report reflecting these changes. These accounts have been removed and replaced back on my report. 

Please provide me with a written response detailing the results of your investigation and the actions taken to correct my report. I appreciate your prompt attention to this matter, and I look forward to resolving these inaccuracies as soon as possible. 

Thank you for your cooperation. 

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

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under XXXX XXXX XXXX SECTION XXXX WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE XXXX XXXX XXXX SECTION XXXX SECTION XXXX ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave Transunion OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX XXXX XXXX. Credit Reporting Agency has caused severe XXXX XXXX XXXX due to the abusive and unfair practices. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Best Buy Visa Credit Card and am constantly receiving promotional offers for balance transfers only to be declined when applying for this feature. The customer service representatives flat out lied and denied that this offer was available on my account on one occasion. After running my credit they disqualified me for having to many open accounts, which defeats the whole purpose of the balance transfer, because if I transferred all my balances to that one card I would only have one account. The problem is that coerced me into a credit pull, which I normally wouldn't have granted permission for, in order to market they're low interest product only to tell me that I don't qualify. My account with Citibank is in good standing and current. Not only did they violate my privacy by doing this, but they also discriminated against me based on criteria that does not apply to this account. They claim to be compliant and that they are not enforcing another banks policies. This sounds to me like antitrust.
Product: Payday loan, title loan, or personal loan

I called the company on XX/XX/XXXX and explained that my income level has changed. I have been making payments toward this account for four months. the payments are semi monthly and range between {$320.00} to {$350.00} per payment. the original loan amount was {$2400.00} and even though I am making payments regularly, I still have a balance of well over {$2900.00} dollars. Only XXXX per payment is being applied to the principal balance of the loan. it is not explained that the account adds interest each day that the loan is not paid off. I called on the date listed above to request a settlement to pay the balance in full since my income has changed. I was informed that this is not an option. I was advised that the total balance due was going to increase by more than {$700.00} at the end of XX/XX/XXXX.
Product: Debt collection

I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX  ACCREDITED.
Product: Checking or savings account

I am a long time customer to suntrust to Truist, I had a checking account and a savings account with them. My checking has a {$25.00} automatic transfer. Last month my transfer was due and I didnt have enough money in the checking to transfer the {$25.00} to the savings. The bank transfer the {$25.00} and charge me {$35.00}. I asked them why in the world would you charge me {$35.00} to save {$25.00}, why would I pay {$25.00} to save {$35.00} to the same bank NOT FAIR. The bank refused to give me credit for it.
Product: Debt collection

National Credit ServiceXXXXXXXX XXXX XXXXXXXX XXXX {$3500.00} amount. 
Company constantly place on my report with various companies the same debt. Please have this company to delete this information on my XXXX, XXXX, and XXXX report, this is damaging. I am homeless XXXX yrs old need this inaccurate information to be taken care of constant identity theft.
Product: Mortgage

Before purchasing the home the city of XXXX XXXX misclassified my property as a commercial building for the year of XXXX. With no warning 1 year after owning the home my payment increased by $ XXXX/month. After speaking with the city my taxes were adjusted to normal rates. My mortgage company took three months to readjust payments and over {$900.00} was over paid to CMG financial. I was told that money would not be returned but placed in my escrow account which would be refunded upon paying off my 30 year mortgage. In order to avoid that and due to hard ship over Covid-19 I applied for Forbearance on my mortgage. My idea was to underpay the miscalculated taxes so as to save the {$900.00} overcharge. I made a partial payment on my mortgage in XX/XX/XXXX to accomplish this. Since my payment has went back to a normal adjusted rate. I was told to apply for a loan modification due to my Covid hardship by CMG. I had to cancel my forbearance in order to do so. On three separate occasions I have given permission over the phone to cancel my forbearance and filled out all necessary documentation for the loan modification. CMG has continuously told me they never received my paper work even after others in different departments have confirmed my submission. I have been told on multiple occasions my forbearance is still in effect, even after canceling 3 times. I submitted my documents by fax, email, and by mail because to fix my tax situation was so grueling of an experience I wanted to ensure they received my paperwork. Every time Im on hold the line drops off. I have spent over a full work week 40 hours waiting on the line to accomplish this loan modification process and tax modification to no avail. I was also told in order to cancel forbearance I have to pay {$1800.00} over my bills this month in order to start my loan modification process and heathers is no guarantee the city of XXXX XXXX will refund me. What are my options? This companies negligence is causing me serious financial hardship and distress. I have no idea where to turn at this point in time.
Product: Debt collection

I disputed this company date of debt with XXXX, This company maintained that the date of debt was on XX/XX/2023. I had proof that a different collection agency had the debt listed starting back in XXXX XXXX. It is for the same amount & original creditor XXXX. The debt was removed from credit report for a couple months then reappear with This company stating it was new debt to which it is not. They are changing the date to change the statue of limitations in my state.
Product: Credit reporting or other personal consumer reports

I was being used with credit score deception repeatedly by this Company that is currently being investigated just as I thought was scamming me out of money monthly. I was very unhappy with this company for repeatedly scamming and falsifying information to make me think they was working on my behalf. I send them a complaint and received no response. this is good news to know that you all have caught these crooks red handed. I am filing this complaint as a Lawsuit for punitive damages, mental anguish, and discrimination because they know my Race/ Ethnicity.