23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was notified that servicing for my loan was being transferred on XX/XX/2022 and that my current servicer would no longer be accepting payments from me. I was instructed to contact the new servicer to setup a new recurring payment, which I have done so. The first payment was to take effect for the XX/XX/2022 due date. 

The old servicer has continued to deduct the payment from my account via XXXX. This resulted in another debit from my bank account on XX/XX/2022 nearly a month after the servicing transfer. Unfortunately, the new servicer also processed a payment leaving my bank account overdrawn. 

When I contacted the old servicer, which took over an hour to even reach someone, I was told that this shouldn't have happened. But it did. The representative was unable to provide additional asssitance or help other than to " contact their research team '' to see what happened. I'm still left out the ~ {$2500.00} from this payment and have not been provided any resolution. 

This is unacceptable. If I failed to make a payment or made a late payment I get racked with fees ; however, the servicer here has withdrawn funds they are not entitled to yet there are no consequences.
Product: Mortgage

My payments are automatically sent to LoanCare every month. In the beginning of XX/XX/XXXX, LoanCare did not credit my account with these payments.

I called LoanCare and the representative found the error in the administrative system. He indicated that the payments were applied to XX/XX/XXXX rather than being applied to XX/XX/XXXX. He said he would fix this error. He said he would refund the fees that were charged and call me back to assist with a dispute made through XXXX. I never heard from him again. 

I was charged late fees which need to be returned to me. I also filed a dispute with XXXX regarding my credit rating. I have heard nothing from Loancare. This error has taken a huge hit on my credit. It needs to be resolved. 

PLEASE SEE ATTACHED : Screen Shots showing payments made to LoanCare, detail of XXXX payment, XXXX credit report
Product: Debt collection

The aforementioned credit collection agency representing  XXXX   XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Spears, Dewitt & Hall Collection Services d oes not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX Bank in XXXX. I have paid on time and in full every month. XXXX and XXXX have updated monthly accordingly. Equifax has not updated my account information or payment history ever. Not one time has it been updated. I e reached out to XXXX bank and told them the issues they said its correct but its not. I filed a dispute to have my information updated but it just comes back verified when its not. I showed them proof of my history but they still say everything is accurate when its not.
Product: Credit card

My name is XXXX XXXX. On XXXX XXXX at XXXX i was contacted on my Home Phone at XXXX. The caller Id XXXX, phone no was XXXX. The rep on the phone advised me that their company could reduce all rates on my credit cards to 6 % or less. They then told me the beginning number of XXXX of my credit cards and asked for the expiration dates. Then they asked for the complete credit card #. I refused to give the credit card # s and asked for their website. I was informed they had no website, I then asked for their manager of supervisor. I was then told that all my cards would be cancelled and they then ended the phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, XXXX and Experian showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX  credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX  requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.
Product: Checking or savings account

I deposited a Federal Money Order for {$290.00} into Simple Bank on XXXX XXXX, 2017. XXXX ( $ ) of the funds were available until 16 days later ( XXXX XXXX, 2017 ). 

1 ) Treat your customers fairly by treating United States Federal Money Orders, which are backed by the federal government and are normally treated the same as cash, differently than a personal check that has no federal guarantee of funds. 

2 ) Follow the federal government 's Expedited Funds Availability Act, which among other stipulations requires up to the first {$200.00} of a non- '' next-day '' checks to be made available the next day, and certainly a federal money backed by the U.S Government would qualify here. 

3 ) For the record, please state what day, exactly, did Simple Bank receive the {$290.00} from the US government, and state clearly for the record how many days between when Simple Bank received the {$290.00} from the federal government and when Simple bank released the funds to me. More than likely, Simple Bank received the funds close to two weeks before it released the funds to me. 

4 ) I have your new tagline though, so not all has been wasted : " Simple Bank! We Make Simple Complicated!
Product: Debt collection

Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Checking or savings account

I received a call from JP Morgan Chase that there had been an attempt to wire out {$8000.00} from my account. I informed them I did not authorize this. I was informed that my funds of XXXX needed to be transferred to aa new account due to the current account being compromised. dates of the transactions occurred from XXXX XXXX XXXX ranging from XXXX to XXXX adding to a total of {$49000.00}. 

I filed a unauthorized wire fraud claim with JP Morgan Chase on XXXX.I was told that JP Morgan has had their number spoofed and that fraudulent claims have been common. I was informed it would take 24 hours for the paperwork to be processed in order for JP Morgan to begin the process to recover my funds and that it would take 3-5 business days to update me. 
I called JP Morgan on the 5th day XXXX  to ask for an update. I was informed that the accounting department was working on recrediting my account, but that I needed to open a new account with JP Morgan Chase in order to refund my funds due to the old account being compromised. I was also informed that I was supposed to have filed a police report, of which I was NOT made aware of at all then I submitted the paperwork for the wire fraud claim. 
I submitted the police report as soon as possible on XXXX  JP Morgan Chase confirmed they received it and that it would take up to 5 days to process I called JP Morgan Chase on XX/XX/XXXX for an update and spoke with a account supervisor XXXX who informed me that my claim had not been processed at all and that my police report had not been attached to my claim. 

I have attempted to follow all formal processes with JP Morgan chase to correct the Situation. JP Morgan chase has not taken responsibility to correct their mistake. JP Morgan Chase has been very negligent in the process of my claim and did not make an attempt to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit reports from XXXX  from all 3 credit bureaus, Equifax, XXXX  and XXXX. However, Equifax failed to deliver on the report online while the other 2 succeeded. I became worried owing to the not so favorable security track record from Equifax and called their customer service on several occasions. According to all of them, it is out of their hands and did no acknowledged there was a problem. When asked about if any other party in Equifax that I can speak to to resolve the obvious technical issue, they simply responded that there was no such entity.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent The last letter to the 3 credit bureaus but never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law to resolve this matter as soon as possible. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

Synchrony bank the owner of my Amazon store card closed my credit card account without my authorization due to Synchrony 's failure to resubmit payment requests to my secure online bank account. They initially took the payment before I agreed with them on a time to take the payment. Three days later, when the payment was supposed to have been taken there would have been money in the personal bank account the credit card company was requesting the payment from. They tried to take the payment three more times before the scheduled payment date. As a result, my bank refused payment because the money was not yet in the account. Two weeks ago they closed the account and cancelled all services due to an issue caused by their attempting to take a scheduled payment too soon. I have explained to them, that if they want their money they will either have to send the balance to collections, or reopen my credit card account. I have cancelled all payment sources on this account until this bank error can be resolved by Synchrony bank. I will not pay them any more of the balance until they reopen my account, or send it to collections. I have suffered financial losses due to their failure to take the scheduled payment on time amounting to upwards of {$50.00} or more. I guarantee they will not get their money owed until this issue can be resolved on their end, or the account is forced to collections. I have made a good faith effort attempt to contact them, with my concerns to resolve this debt. If I do not hear from them in the next 48 hours with some possible negotiations on this balance, my previous statements made here will stand. If Amazon.com has any concerns about their credit card vendors, I am happy to speak with them, and to offer alternative vendor suggestions for synchrony bank. This is an unacceptable treatment of limited income customers by Synchrony bank, and may actually qualify as predatory lending. If this is the case then Synchrony Bank has violated federal law with regards to Predatory lending policies. Sincerely, XXXX XXXX
Product: Debt collection

On all my 3 credit reports it show up on charge from SYNCB/WALLMART as a revolving account and the charge keep changing every month up and up.I try to call and find out what is going on and explain that is not personal account or debit they threat on me if i don't pay they will send a Sheriff department to collect debt or reaming home don't move because they are on there way to collect the debt or jail. I can't take it no more,
Product: Credit reporting or other personal consumer reports

I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX XXXX XXXXXXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018 I received my dispute results for a bankruptcy that did not belong on my credit report! The results proved me right as the Bankruptcy was deleted from my report. Here we are 5/6 months later and Equifax has added this account back to my report with no knowledge or justification as to why. UNDER FCRA THEY MUST NOTIFY ME five days before they add anything to my report after that item has been deleted. I received no such notice! I have attached the guidelines equifax have violated, please review all attached documents.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX. Despite multiple requests ( XXXX times ) for them to cease emailing me, they continue to harass me via email. This ongoing communication is in direct violation of my clear and repeated requests. 

Additionally, I have requested complete documentation of the alleged debt on XXXX separate occasions. However, XXXX XXXX has only provided a one-page credit card summary, which does not include the legal agreement or purchase agreement between myself and XXXX XXXX XXXX This is not adequate, and I believe I am entitled to full and proper documentation as per the relevant regulations. 

Furthermore LVLN has threatened legal manner and in their emails has mentioned if I dont pay them, that my account is on pre-legal action. 


I would appreciate your immediate attention to this matter and request that you take the necessary actions to stop this harassment and ensure that I receive the full documentation I have requested. 

Thank you for your time and assistance.
Product: Debt collection

This complaint is for XXXX XXXX XXXX XXXX XXXX, and XXXX : Receivables Performance Management , LLC. In XXXX I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called XXXX. The leased vehicle was returned to XXXX  according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from XXXX XXXX, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. that there was any deficient balance or any balance owed. I do remember, even though this was almost 4 years ago, after I returned the vehicle, calling the leasing company to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with them that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost 4 years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX which complies with XXXX XXXX. XXXX, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX is trying to comply with the federal statue but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, XXXX  who later bought them out and is now also out of business. Since XXXX  is out of business I have no way contacting them to get access to my customer account. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the one notice I received XXXX almost 4 years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint agains XXXX who is representing a company or a debt or both falsely, or that they simply do not exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, il, XXXX XXXX XXXX XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning Consumer Services Department, I am writing to formally request the removal of my information from Early Warning Services as allowed under 15 USC Code 1681b. According to this code, I have the right to opt out and prevent my consumer information from being shared without formal written consent. 

Despite this, to my knowledge, I have not provided explicit written authorization for the furnishing or sharing of my personal information with Early Warning Services. Therefore, I am requesting that all information related to me be removed from your database and that any sharing or usage of my data cease immediately. 

Please confirm in writing once this process is completed, as required by law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

They sent me a letter, after 10 days, confirming that the charge was posted to my credit card
Product: Debt collection

Daily I receive an email from XXXX trying to collect on a past due balance. I've advised them to cease emailing me, however they tell me that their system will send emails until the debt is paid. They advised me that they do not have the technical ability to stop the emails. 

This is not my problem, I should be able to direct a company to cease contacting me via email.
Product: Credit reporting or other personal consumer reports

Trans union is incorrectly reporting several addresses that don't belong to me, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked them to please remove / delete from my files, the ONLY CORRECT ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a closed account from XXXX on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call XXXX several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call XXXX every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.