23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls.
Product: Credit reporting or other personal consumer reports

Sometime in XX/XX/2022 Bank of America ran a hard inquiry on my credit and made my credit score drop. I tried reaching out to them to let them know I wasn't the XXXX applying for credit with their financial institution because I don't use Bank of America. They gave me the rum around and never solved the problem and this hard inquiry is still in my credit report. They were suppose to send a letter to me and XXXX but I never got any letter about removing this Hard inquiry from my credit and I don't even think XXXX got that letter either. I need this to be solved because Bank of America needs to do better with their fraud department when it comes to cases like this.
Product: Debt collection

I called my phone provider XXXX XXXX XXXX in efforts to save money while I was traveling abroad. 
The representative recommended that I temporarily suspend my phone plan with them and renew it when I am back in the U.S which I agreed to. 
The representative had XXXX my account when switching over the new plan. My account was left bare and I was charged XXXX XXXX dollars a day for 3 consecutive days until the new plan was effective. 
I was charged over {$15000.00} over the 3 days! 
Ive spent hours upon weeks on the phone with XXXX XXXX XXXX customer service representatives who agreed with me that this was an error on their behalf, but they were unable to get me the assistance that I needed, given their lack of power in these unique cases. 
Ive made several attempts to connect to their headquarters and no response on their end. 
This has not only effected my credit but my mental health! I have tried my best to rectify this issue and I will not give up. This was a wrongful and complete absurd charge and XXXX XXXX XXXX is to blame for this.
Product: Credit reporting or other personal consumer reports

I applied for a job and they're trying to pull my Equifax Credit report but it isn't coming up. 
I spoke with Equifax about this and they it was because my address wasn't on their system when In asked how to fix that they said someone would be in touch with instructions and they wanted me to pay for a membership Equifax.Com. I don't think that's right I shouldn't have to pay for them report to do thier job .... 

XXXX XXXX XXXX has the information, and I didn't pay them, why do I have to pay Equifax?????
Product: Debt collection

A Synchrony Bank XXXX XXXX care was taken in my name for a medical procedure. the terms of the card were 12 months interest free. The amoiunt was {$3500.00}. I made all payments owed on the account over the course of the 12 months, These payments were approximately $ XXXX for an approximate total of {$2700.00}. I had full intention of paying off the balance at the 12 month interest free period. Based on my records that would have been Approximately {$800.00}. Unfortunately, I missed the pay off date by approximately 30 days and when I contacted Synchrony Bank to resolve the balance they told me that I missed the date so all past interest for the 12 months I had the account was now due in addition to the original amount owed for a total of approximately {$2800.00}. I told them that was unacceptable and refused to pay the additional interest. Synchrony Bank continued to add interest to the balance, which to date as their records show it to be approximately {$3800.00}, they claim is owed. 

After multiple phone conversations and attempts to resolve the balance owed with Synchrony Bank representatives, I filed a formal complaint with Synchrony Bank in XX/XX/2019 and received correspondence from Synchrony Bank on XX/XX/2019 they had received the formal complaint and would be looking into the complaint and get back to me. I contacted Synchrony Bank every 30 days since XX/XX/2019 and have had no response or resolution to my complaint. Synchrony Bank has negatively reported to my credit report which has in turn negatively affected my credit score as well as put my account into collections but at no point have they attempted to resolve my complaint directly with me. I explained this to the collection agency and was told they would contact Synchrony Bank regarding my formal complaints.
Product: Debt collection

I had another complaint submitted before, complaint ID # XXXX for you reference. 

I just received another letter from a different collection agency that works with XXXX, Amsher Collection Services , IncXXXX XXXX is still harassing me with the same thing as I complaint before. I don't owe XXXX any money, I asked my bank to dispute the charges from XXXX because they tried to charge me the services I already cancelled, and the claim center of my bank was investigating and waiting for XXXX 's bank 's response, but XXXX totally ignored my bank, no response at all for over 1 month. XXXX just kept harassing me by telling different collection agency sending me the letter to scare me. Whoever works for XXXX  should be ashamed for harassing the consumers that doesn't owe XXXX any money! Please help me with this! It seems like it will never end! 

XXXX is the worst!
Product: Mortgage

My oldest email dates back to XX/XX/XXXX. I applied for a refinance with my current lender. By XX/XX/XXXX I had all my documents sent in and signed everything requested with XXXX XXXX. I also paid {$350.00} for and appraisal and an appraiser was going to contact me. Case was then sent to XXXX XXXX for processing. I set up appointment for immediately after my vacation ( XXXX ) XX/XX/XXXX. While gone I got an email saying I needed to sign a transfer, which I did on XX/XX/XXXX. On XX/XX/XXXX appraiser canceled appointment saying it was canceled from Freedom Mortgage. I have been sending 2-3 emails a week since then and get no information or replies from XXXX, and minimal from XXXX. On XX/XX/XXXX XXXX said he had my file escalated as requested and an appraisal is now ordered. I emailed again XX/XX/XXXX when I didnt get called by appraiser for new appraisal. I finally called appraiser XX/XX/XXXX and they said they dont have any orders for my property. That leads me to today, I dont have any clue whats going on with my account, and believe I am now being lied to. Not sure about my {$350.00} as it hasnt been refunded or have anyone coming to appraise property. By now Im sure all my paperwork needs resubmission and not sure about my locked rate. I cant get any replies from either of them and have started emailing outside sources.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for years. XXXX XXXX is showing up on my credit report. XXXX reported it was not my account and XXXX as well as the other credit reporting agencies took it off my report. XXXX closed the account connected to myself. However, it is still showing back up on my credit report to ruin my account! If you look at the previous documents and reporting you will see it gets taken off and put back on! The account is in XXXX and I don't even live there. I have XXXX  as my provider.
Product: Credit reporting or other personal consumer reports

This is a formal complaint against Equifax who is consciously and voluntarily reporting false information on my credit report. 
I contacted Equifax 's customer support to inquire about unauthorized inquires on my credit report. During the conversation, I provided the Equifax representative with the official government-document Federal Trade Commission XXXX FTC ) report, which I had obtained regarding my credit history. 

To my surprise and concern, the Equifax representative claimed that the FTC report I presented was not a valid document. It is my understanding that the FTC is a federal agency entrusted with protecting consumers and maintaining fair and competitive business practices. As such, I question the authority Equifax has to dismiss an official government-provided document as invalid. This disregard for an authoritative government resource raises serious concerns about the accuracy and integrity of Equifax 's credit reporting practices as well as their knowledge and adherence to consumer rights and regulations. 

I believe that Equifax 's statement regarding the invalidity of the FTC report is not only misleading but also undermines the credibility of consumer rights established by the government. The actions of Equifax 's representative demonstrate a lack of professionalism and potentially highlight a systemic issue within the organization. 

Therefore, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. I urge you to hold Equifax accountable for its representation of the FTC report as invalid and determine the level of authority Equifax has to make such claims. Furthermore, I expect appropriate corrective actions to be taken to ensure that Equifax operates within the confines of consumer protection regulations and respects official government documents provided by consumers. 

Please find enclosed copies of the correspondence with the Equifax representative, including the FTC report in question, to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

I contacted Citi about an accrued interest charge that hit my account during my financial hardship/mortgage forbearance/car payment deferral- time earlier this year when Covid issues were peaking this year. I had a 70 % loss of income and put my mortgage and car payment on forbearance. Tried to keep up with all my other accounts like this credit card current w/ min payments and put food on the table for my family with the rest until things changed. 

It seems during this crisis a past charge was due other wise accrued interest would hit my account. This put my account with a $ XXXX limit and working down to under {$3500.00} balance at a new balance of {$7000.00} and with that I have been hit with late fees and over the limit while paying the minimum balance or so I thought. 

As soon as I saw this I immediately called Citi to ask for help and that I was trying to maintain all my accounts as they could see but missed the communication about needing to pay that charge off. After much back and forth I had to ask to escalate to executive office where I could speak with someone that could help as the rep said '' oh if you would have called 10 days ago I could have helped you but no Sorry nothing I can do to help. 10 days ago? How could they want to ruin my credit dropped over 60 points when someone wants to pay them money bc of a simple oversight during some very rough times. Now I am racking up late fees and over the limit charges being harassed by phone calls that tell me I am over the limit but when I ask for help and explain my situation there is nothing that could be done. I waited a few months bc I wasn't sure where to turn or if my executive office complaint in which I was originally disconnected was in the works. Please help
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted the following complaint : I have previously submitted this complaint. Real Time Resolutions ( RTR ) is the current servicer of a loan that had previously been serviced by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX had reported the loan as a charge off more than 6 years ago. In RTR 's response to my complaint they attempt to claim that XXXX 's reporting was incorrect and that my complaint was directed at the wrong servicing company. Although I have never stated that the RTR they continue to take that position, and it appears that their only reason for doing so is to support their " belief '' that they are properly reporting the loan. I have requested XXXX to notify myself in writing, with a copy to RTR, confirming that XXXX ' prior reporting was in fact correct. This is a simple verification that RTR could have done with XXXX but they continue to fail and refuse to do so. I have obtained limited relief from XXXX who was able to determine that RTR was in fact a duplicate report of this account that had been reported by XXXX more than six years ago, and in fact removed RTR 's  reporting from XXXX. However, RTR continues to report the loan to XXXX  who to date continues to include RTR 's reporting on my credit, even though the prior charge off had been reported more than six years ago. I need RTR 's reporting of the account to stop immediately and for them to remove any prior reporting of this account. RTR should also provide any and all documentation provided at the time of transfer which indicates if this loan was in fact previously reported as a charge off, or if the account was transferred as a current account, not merely state their belief, that conveniently supports their position. Further, RTR should b e held accountable for their actions.

As noted in the complaint, I do not have a dispute with XXXX. RTR has for the second time responded that they believe they are reporting this properly, but once again fail to submit any documentation or other basis for their belief. When the loan was transferred to RTR the loan was properly listed as a charge off by XXXX. ( I HAVE NO COMPLAINT AGAINST SLS FOR THIS, and RTR 's ATTEMPT TO INCLUDE THAT IN THEIR RESPONSE IS TO MERELY SHIFT THE FOCUS AWAY FROM THEIR ACTIONS.

RTR is well aware that this loan was a charge off prior to their obtaining the service rights for this loan. That charge off was reported for more than 6 years. RTR did not start reporting this loan for many month after the acquisition, and their reporting of an old derogatory item that is ready to be removed from my credit history is patently unfair. THIS IS NOT THE FAULT OF XXXX, THIS IS SOLELY DUE TO THE ACTIONS OF RTR AND THEY MUST STOP THE REPORTING IMMEDIATELY. 

Thank you for you attention in this matter.
Product: Checking or savings account

On XX/XX/26 I opened a account with BBT to take advantage of the bright checking bonus of XXXX Offer XXXX. I saved the criteria to make sure I met the requirements. On two separate occasions I called my local branch and the XXXX and asked the timeframe of when it would deposited and did I have to do anything else. I was told to wait 60 to 90 days because I had already had the two monthly deposit of more than 100 from my direct deposit from my bank.Which was requirement within 75 days. I have been very specific to the tee to make sure I followed every requirement. Then today the rep told me my offer ID wasnt on my application. I specifically made sure before opening the account online the Id number was placed. I had several chats asking for the confirmation and requirements. This is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice
Product: Credit card or prepaid card

Frustrating dispute resolution process over fraudulent charges with Citibank We have an XXXX XXXX Aadvantage Platinum Select Card with Citibank. Despite multiple calls to their Customer Service and providing the same information many times to them and their Security Operations team, we were not credited for multiple fraudulent pharmacy charges for a total amount of XXXX. Below is their text. They asked me how anyone could use my card, which was on my possession, on a chip-enabled card reader. I told them they should be the experts in cybersecurity, not me. I have, since that last call, closed my account and filed a police report. To add salt to injury, they charged me for interest on the disputed amounts after they had previously told me on the phone not to worry about the disputed charges and they sent me an email stating they had reduced my minimum payment for the month. 

" Throughout our investigation of your dispute, we found that your card, embedded with an XXXX chip, was used to make the below disputed transactions ( s ) at a chip enabled card reader. Since this card was in your possession at the time of the transaction ( s ), we don't consider this fraudulent activity and your account won't be credited for this transaction ( s ). '' Below are Sale Date - Amount - Vendor and distance from my house XX/XX/2019 - XXXX XXXX 18 miles from my house XX/XX/2019 - XXXX - XXXX 27 miles from my house XX/XX/2019 - XXXX XXXX 1.8 miles from my house XX/XX/2019 - XXXX XXXX 85 miles from my house
Product: Checking or savings account

Navy Federal Credit Union blocked access to my debit card when I was away from home attempting to purchase food items. I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated their branches are eight hours driving distance away from my home and I can not drive said distance due to being XXXX and elderly. On Friday XX/XX/2019 I called Navy Federal Credit Union and spoke with someone named XXXX in security and a supervisor named XXXX asking both to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my checking and savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of XXXX XXXX Dollars { {$230.00} } to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all XXXX bureaus XXXX, Equifax, XXXX incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX open XX/XX/XXXX amount {$1900.00} XXXX XXXX open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX XXXX {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX XXXX {$150.00} XXXX XXXX open XX/XX/XXXX amount {$1100.00} XXXX XXXXXXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXXXXXX Bank- open XX/XX/XXXX amount {$1900.00} XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX
Product: Debt collection

I submitted an affidavit of Truth and facts to the finance company along with the cease and desist order for the alleged debt. The account was charged off and i never received a 1099c for the balance that the vehicle was charged off for, which is a violation of Federal and IRS laws and regulations. They did not respond to the affidavit that is attached and they did not comply with the cease and desist order. By law after 30 days an unrebutted affidavit stands as truth.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

Hi I am the XXXX for ( XXXX ) people with different ages & health conditions. I have ( XXXX ) separate cards for the XXXX individuals. DirectExpress/Comerica Bank has deposited on ( XXXX ) separate occasions the Social Security Benefits that belonged to ( XXXX ) different peoples account. In 2021, there was {$2700.00} deposited into my brothers account that belonged into my Sons account, they refused to refund my money & stated it wasnt their fault. Im XX/XX/XXXX there were multiple fraudulent/unauthorized charges that occurred that I noticed & made them aware of, totaling {$200.00}. I was told itd take XXXX to receive the refund which would be by XX/XX/XXXX still no refund. I contacted them again they stated theyd create an escalation ticket XXXX to have it sent within the next XXXX business days. I went onto my brothers account in which again I am the XXXX  over & it showed that the funds were applied to his card account which is incorrect, unprofessional & unacceptable. I contacted them, they made excuses stating it was sent to the wrong card & that they send refunds to any card thats in my name on the DirectExpress portal. I explained to them thats impossible to think this is acceptable & should be tolerated being this is the XXXX time theyve done this to me. Whichever card account that I am disputing is the very same card account the refund should be reapplied to. This is now totaling {$3000.00} that Ive lost with this company. I need help tremendously with this. Thanks for your help & understanding.