23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a medical bill from XXXX  which I am trying to resolve with my insurance company to pay. They requested additional information which I have provided but have yet to resolve the issue. 
The debt was acquired by a company called Phoenix Financial in the past few months : PHOENIX FINANCIAL SERV Phone : ( XXXX ) XXXX Business Type XXXX Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : IN Zip : XXXX They have been calling both my personal and business phone on a daily basis. Sometimes hostile in nature. For the past 2 months they have been adding new ( major ) derogatory marks to my credit report. While I understand that this can happen with a new collection agency acquiring debt, or a change in payment status, there has been neither in this case. This is clearly a tactic to push out the effective date of my debt on my credit report, and to damage my credit score. 

This can affect things where my credit worthiness is taken into account which can include not only purchases of a car or a house, but necessities such as insurance or deposits required for utilities. 

I think this is an unfair practice predatory in nature and possibly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX I was behind my bills because child birth. 
I have paid all the accounts in full and all the accounts is close but still showing on my credit report which is really affecting me negatively.
Product: Bank account or service

The complaint is about unfair charged fees at TD Bank. 
I have a checking account at TD Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, TD Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and TD Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, TD Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that TD Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.
Product: Checking or savings account

I deposited {$1500.00} at XX/XX/XXXX at XXXX XXXX into a bank of America ATM located on XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Instead of putting in my debit card, I accidently put my credit card and through with the deposit process. A screen showed up and says " We're sorry but a machine issue has occurred and we can't complete your payment or return your cash ''. The machine didn't count or give my money back so i called Customer Services the following XXXX since the offices were closed. The bank informed me they would offer a {$1500.00} credit on my account while they resolve the issue for 45 days. After the 45 days, they concluded there was no proof i deposited money on that account so they took back {$1500.00}. I've called back numerous times about this claim and they seem to neglect my claim by directing me to different divisions. I don't feel like this company has the best interest for me and customers.
Product: Credit reporting

I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both XXXX and Transunion on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from XXXX and {$17.00} from Transunion were chargedto my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
XXXX has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
Transunion is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!
Product: Student loan

XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. 

I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. 

Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. 

What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information.

Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. 

This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued.
Product: Money transfer, virtual currency, or money service

I have a credit account with Grain Credit. www.trygrain.com On XX/XX/2022 I tried to contact them to change my bank account on file to make a payment towards my credit with them. I was perfectly on time with the payment. I tried to call and email them with my request and marked it as urgent since I didnt want to be late on payments and get a negative impact on my credit report. 
They responded to me only on XX/XX/2022 with a regular automated answer and didnt help me with my payment. 
Today is XX/XX/XXXX and they have reported my 2 missed payments to all three credit bureaus. Im in trouble. I have emails and proofs that I tried to contact them and wanted to fix that issue before it happened. 
Now my credit history is not great anymore because of them. I need help. Theres no way to contact them. At all! 
Please help! I need the negative info to be removed from my credit reports and I want to pay off that balance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.
Product: Credit card or prepaid card

Synchrony bank has several different credit cards for retailers like CareCredit, XXXX XXXX, Belk, And XXXX. I have all of these cards which I paid by mail for a long time. The trouble begin when I tired to pay online. One problem that was reconciled is an online payment to XXXX and CareCredit at the same time both payments were applied to XXXX so Care credit did not get any funds causing late charges. I called and this was taken care of. About two weeks ago I received a text message from Synchrony saying I had not paid my XXXX I never received a statement nor did I sign up for paperless, another late fee! Today I tried to go online to pay CareCredit was advised I had not registered my account. Tired to register account and then advised account was already registered. This is the kind of problems I continue to have with XXXX and they keep lowering my credit line, calling, sending letters then when you call it is to someone in XXXX who is very difficult to understand! Will you please check into their underhanded practices and help me I just want to get them paid off! Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

{$1000.00} dollars was given to me on XX/XX/XXXX shorty after i started making {$150.00} dollars payments XX/XX/XXXX 2024
Product: Mortgage

I was on on forbearance which ended in XX/XX/2021. I have decided to sell my house and Mr. Cooper has not filed claim with Hud and unless this is completed I can not receive HUD pay off statement. Every time I call Mr. Cooper nad have this escalated no one seems to know procedure further delaying my closing. Please I am begging for your help in this matter
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX INQUIRY XXXX ACCOUNT NAME : XXXX XXXX INQUIRY DATE : XXXX ACCOUNT NAME : XXXX XXXX XXXX  INQUIRY DATEXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the three credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on experian. They said that it was accurate. I called the XXXX XXXX and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with Experian and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.
Product: Credit card

I opened a Chase Business Ink credit card on XX/XX/XXXXXXXX XXXX XXXX and began using it on XX/XX/XXXX. I live in XXXX XXXX XXXXXXXX and have traveled to XXXX, XXXX, as well as XXXX XXXX and XXXX XXXX, California, where I also used the card. 

When I checked my credit account in XXXX, I noticed nearly {$7000.00} in fraudulent charges. These charges were made in states Ive never visited in my life, including Georgia, North Carolina, South Carolina, and some City in California. The transactions occurred at stores like XXXX, XXXX XXXX, XXXX, XXXX XXXX grocery stores, and some smaller merchants. I immediately contacted the Chase fraud department, and they marked the charges as fraudulent. At the time, I believed the issue was resolved and that the charges would be reversed. 

However, on XX/XX/XXXX XXXX XXXX I checked my account again and found the fraudulent charges had been reinstated. I contacted Chase 's investigative team and spoke with one of their agents. During their investigation, it was noted that I used the " chip on chip '' feature on the card and that the card was always in my possession. Based on this, Chase concluded that I am responsible for the fraudulent charges, despite the fact that I never lost my card and never authorized these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX, phone:XXXX  over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted XXXX over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by XXXX so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.
Product: Credit card

I never applied for Citi XXXX XXXX XXXX XXXX. This is the text message I received : Citi : Access your temporary XXXX XXXX XXXX XXXX XXXX XXXX details here : XXXX XXXX XXXX XXXX  Reply STOP to opt out
Product: Credit card

I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.
Product: Debt collection

I sent a validation request to XXXX XXXX asking to verify this debt as I have already paid my kickoff account out and now its stating that I have another one that was c/o for XXXX XXXX Which is ridiculous XXXX!! And its reporting XXXX late payments at that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. 

XXXX XXXX : XXXX XXXX XXXX XXXX NC XXXX Accounts : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX XXXX NC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. 
I have included a copy of my utility bill for verification. 

Any and all fraud freezes and alerts should be removed from my report immediately, AS I DO NOT want any blockages on my record for any reason whatsoever. I do not need anyone to keep watch over me like a dog! 







Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX SSN:XXXX DOB : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put claims in with all credit bureaus. 
A few have fixed some false information. Other do not have proof or legal right to report the way it is being reported. These companies are not a real credit bureaus. 
They all need to be held accountable for reporting my scores incorrectly. They will not give me the information or transmissions to the companys they are reporting for. By law they have to or fix my credit to its proper and higher score. Lastly, they all are showing different scores and different reporting of information which is also not lawful. I have submitted multiple claims to have resolved and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX  INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BEST BUY/CBNA. 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 BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.