23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a letter, dated XX/XX/2019, from Mr. Cooper stating they received and paid a new insurance policy, from XXXX XXXX, for our home owner 's insurance. We have home owner 's insurance covered by XXXX XXXX, which isn't due until XX/XX/2019. We were advised to call XXXX to make sure the policy was cancelled and request the refund be returned to Mr. Cooper. Since we had not changed our home owner 's insurance carrier, my husband called Mr. Cooper and inquired about the payment of {$420.00} that was withdrawn from our escrow account. He was provided with the Policy #, and name of a neighbor, in our same condo complex, that the check was issued for. This neighbor has same last name as us, and is in 2 units down, from us. My husband explained, that was not an invoice for our home owner 's insurance, and we did not change coverage. Explaining they had withdrawn money from our escrow account, in error, and we are requesting it be replaced. He was advised he would have to contact XXXX about the confusion, because the check had already cleared. My husband was back and forth with Mr. Cooper and XXXX, for over 3 hours. he was placed on hold for 30 minutes, at a time with Mr. Cooper, and was again told that Mr. Cooper could not solve the issue, it would have to be solved by XXXX. We feel strongly that Mr. Cooper should be held accountable for withdrawing money from our escrow, for a bill that did not reflect our name or address, and re-deposit the funds, that were withdrawn. It is impossible to speak with anyone of authority at Mr. Cooper. I therefore, wish to submit this complaint to CFPB.
Product: Debt collection

Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company,  XXXX . Now, both are appearing on my credit report and  XXXX  is mis-representing the date the account was open. The open date should have been  XXXX / XXXX /  XXXX   but they are claiming it was open in  XXXX . They are also reporting that I missed a payment in  XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Product: Debt collection

I did get a loan with the  XXXX  which was turned over to Treasury. Treasury seems to think I have money. I think what is more true is that if you are without money you get hassled more. Look a t Donald Trump. He h as managed to not pay anything for a long time.     I have attempted to resolve this issue with the Treasury department. I submitted an offer of settlement  to ConServer. I  have asked Conserve to provide me the correct document would be a current loan statement which verifies the account number, the account balance, the current amount due, and will verify if there are any past due payments pending. ConServe failed to forward on any information, including taking payments. ConServe negatively reported me to  XXXX .     Because of this negative reporting I ca n't get a student loan. Ha more debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed a collection account on there of which I have no knowledge. I tried XXXX this company and just keep getting a automated message to leave my information for callback. 

Having this unverified and unknown account on my credit report is damaging my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( Experian  ) Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Product: Student loan

My loans through Navient should be illegitimate due to the school misleading all attending students. Federal loans have already been forgiven through the XXXX XXXX XXXX XXXX XXXX XXXX, and these private loans should be forgiven as well. 

XXXX XXXX and XXXX mislead us by promising job placement rates that were false, over charged and over approved lending through personal relationships with Navient. 

XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against Credit Management LP regarding their handling of an account listed on my credit report. The account in question pertains to an alleged debt from XXXX XXXX, which was sold to Credit Management LP and is currently reported as a collection account with the account number XXXX. 

Upon reviewing my credit report dated [ Date of Report ], I discovered this account listed as a collection with a balance of {$400.00}. However, there are multiple factual discrepancies and potential violations associated with this entry : Lack of Verification : Credit Management LP has not provided adequate verification or validation of this debt despite my requests for proof of the alleged obligation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt within 30 days of my request. To date, no such validation has been provided. 

Reporting Inaccuracies : The reported date of last activity and status updates on the account are erroneous. The status indicates a past due amount of {$400.00} as of XX/XX/2023, which is inaccurate and misleading. There has been no recent activity or any attempt to contact me regarding this debt. 

Lack of Notification : I have not received any formal communication or notice from Credit Management LP regarding the assignment or existence of this alleged debt before it appeared on my credit report. This lack of communication violates the FDCPA 's requirements for debt validation and consumer notification. 

Failure to Comply with Reporting Guidelines : The reported account inaccuracies and lack of verification have negatively impacted my credit profile. This has affected my ability to secure credit or loans, and it is damaging my creditworthiness without lawful basis. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Credit Management LP and take appropriate actions to rectify these discrepancies. I seek the removal or correction of this account from my credit report and an assurance that Credit Management LP adheres to all consumer protection laws and reporting guidelines.
Product: Money transfer, virtual currency, or money service

I have tried to add money to my account on different occasions and the money doesn't become available right away and I have to wait 2-3 days before it comes out of my bank. I was also double charged for a XXXX transaction a few months ago that put my account negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.
Product: Debt collection

See Attached document. 
Payment was tendered, not returned, not credited to account and breach of private contract. Private trust property is being foreclosed on, I am the beneficiary of a decedent estate and there is an on going probate case.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX Bankruptcy - XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Have talked to XXXX they say account shows XXXX sent letter that account closed but web shows XXXX Disputed on line with TransUnion sent letters to XXXX all reporting agencies disputed come back missing payments account past due account was paid in full XX/XX/2020. Wife co owner shows account closed paid in full so not sure why this is happening
Product: Checking or savings account

I get paid every Thursday, as of XX/XX/year> I did not receive my direct deposit. Its been over XXXX hrs of no money put in my account, not able to use my debit card. Also they arent answering the phone for customer service, over a hour of wait times. They have been withholding funds for days now. Saying its a third party vendor issue.
Product: Credit card or prepaid card

On XX/XX/XXXX. 2018 XXXX XXXXXXXX XXXX  XXXX XXXX ending XXXX approved a balance transfer of XXXX to my Visa credit card ending XXXX as showing in my statement, but never send the money. 
I've been calling and calling answering Please wait 30 days, wait 1 more week and keep waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

JBMCB Chase Card has reported a wrong address on my credit report. I hav never lived in Indiana and I actually live in Arizona. They are refusing to remove it from my credit report. My drivers license is even from AZ as you will see which I attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$130.00} XXXX account that was fraud that was reported as a delinquency on my credit report. I disputed with XXXX who quickly agreed it was a fraudulent account and agreed to work to get it removed from my file. I was trying to refinance my mortgage and this drastically affected my credit score. XXXX  and XXXX  have since removed this fraudulent delinquency from my file, but TransUnion is dragging their feet on removing this item from my credit. 

I called twice now and they said the only way to supplement the file with more information is to mail or fax the info over and they would have several days to process. They also ask for a copy of my social security card and drivers license with the fax or mail. That puts my identify at even higher risk for fraud. There is no way to expedite this so I am not unduly hurt with my attempt to refinance if rates go up while waiting for TransUnion to fix this fraud.
Product: Debt collection

I was tricked into old debts were current debts. These are old debts from more than XXXX years ago. They were written off and are no longer in my credit report. Arkansas has a statute of limitations for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account apparently credit report 1. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - UNEMPLOYED Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

I believe I was wrongfully charged interest by this bank via very deceptive billing practices. 

I am currently on a 0 % XXXX XXXX rate on purchases for credit card account number XXXX until XX/XX/year>. Specifically, I was charged interest on purchases made BEFORE this date. 

However, I have been charged a total amount of {$62.00} in interest on purchases on this account via very deceptive billing practices. 

I am seeking a resolution of crediting these interest charges back to my account as a courtesy I have been very longtime loyal card member and have been banking with Bank of America for several decades. I have never missed a payment and this is a very unfortunate issue as a longtime customer to be experiencing. 

I am seeking a resolution to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In response to a letter I received from Synchrony Bank dated XX/XX/XXXX in reference to a previous Dispute regarding my Lowes Credit Card ; I contacted Synchrony Customer Care at the number provided XXXX. 
I spoke with Synchrony Bank Representative, XXXX in XX/XX/XXXX. 
He informed me that my previous Dispute for purchase amount XXXX was found in my favor on XX/XX/XXXX and credited to my CLOSED Lowes Credit Card Account ending XXXX. 
Previously on XX/XX/XXXX, I received a letter from Synchrony Bank stating they had identified an error in the resolution of my previous dispute from XX/XX/XXXX, and that they credited my CLOSED account XXXX including the amount of the Dispute, ( XXXX, XXXX ) I was informed by Synchrony bank representative over the phone on XX/XX/XXXX that I would be receiving this information in writing via XXXX Mail regarding the Dispute resolution on XX/XX/XXXX within XXXX to XXXX business days. 
I have not received that Information. 
Additionally, after I received my XX/XX/XXXX account statement due date XX/XX/XXXX ( Synchrony Bank would not accept my payment online or over phone ) my account was charged off XX/XX/XXXX with an incorrect balance of XXXX, XXXX. 
Since the Account was closed in error, and the credit was not made while the account was OPEN, the amount in error including the Disputed amount XXXX, XXXX plus interest and fees should be Refunded to me in Full.
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message enacts change. I am writing to express my profound disappointment and seek redress for an incredibly distressing experience with Synchrony Bank, the issuer of my Sam 's Club credit card. 

As a loyal customer since 2002, with a flawless payment record and consistent respect for customer service representatives, I find it disheartening to recount the recent events that have unfolded. Despite multiple requests for information, I have received no satisfactory answers, and my attempts to resolve issues have been met with silence. 

A particularly harrowing incident occurred recently when I found myself stranded in XXXX weather due to my card being declined. Despite years of loyalty, impeccable payment history, and thorough verification processes, I faced humiliation in front of family and friends. This incident not only caused severe emotional distress but also led to health complications that now jeopardize my ability to attend a crucial business meeting, potentially resulting in substantial financial losses. 

I have diligently provided requested documentation, taken videos, and answered personal history questions to verify my identity, yet the issues persist. The decline of my card, especially after 22 years of unwavering loyalty, zero missed payments, and successful verifications, raises serious concerns about the functionality of Synchrony Bank 's system. 

Considering the profound impact on my well-being and potential financial losses, I am seeking damages upwards of {$50000.00}. This amount reflects the physical and mental toll, embarrassment, and potential financial repercussions caused by the failure of the card, which, after decades of faithful patronage, has left me physically and mentally scarred. 

I implore you to investigate this matter thoroughly and assess whether the current system is indeed working as intended. The discrepancy between my consistent history and the sudden decline of my card raises questions about the effectiveness of Synchrony Bank 's procedures. 

I appreciate your prompt attention to this urgent matter and look forward to a swift resolution that addresses the damages incurred due to this distressing ordeal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased airline tickets from XXXX XXXX using the website XXXX, along with travel insurance on XX/XX/XXXX. The total purchase amount was {$850.00} ( according to attached record ). The flight was for Fridat,  XX/XX/XXXX. Upon getting to XXXX Airport, I was informed that my flight was cancelled and would be rescheduled for the morning of the XX/XX/XXXX. On the morning of XX/XX/XXXX, however, I was informed by XXXX that the flight was again cancelled ( Attached ). I needed to be in XXXX by Sunday night ( XX/XX/XXXX ) for a XXXX XXXX course I was taking. I bought another ticket through a different airline ( XXXX ), and sent a request to XXXX XXXX for a full refund ( attached ). I called and talked with XXXX XXXX on XX/XX/XXXX, and was informed that I would need to contact XXXX to get a refund, which I did immediately ( attached ). I was then told by XXXX that I would need to contact a representative ( attached ), where I was told that I would need to get a refund from XXXX XXXX directly. At this point it was obvious that I was being sent in circles in order to avoid a refund, so I contacted Huntington Bank Credit Card services to dispute the charge at the end of XX/XX/XXXX ( when I returned from XXXX ), and took all appropriate steps from there, including information similar to that attached available ( I annotated and provided a narrative similar to this one ). This timeline was from the end of XX/XX/XXXX to the beginning ofXX/XX/XXXX. During this time, Huntington reached out about twice, and when I attempted to return their calls ( the voice message was patchy and prerecorded ) I was shunted from department to department until the calls were dropped. I figured from this that they were n't important, as the message contained no information relevant to my dispute ( i.e. another department was calling for a different reason ). In addition, they sent letters to my permanent address, in XXXX. I was then working and taking classes in XXXX, having my mail forwarded to me. By the time I received the closure notices from home, it was already closed by a day or so. I called to iron out the miscommunication in XX/XX/XXXX, at which point I was asked to send a letter to the dispute department, which I did immediately ( attached ). I again called a few weeks later ( XX/XX/XXXX ) to find the status of the dispute, and was informed that I would need to send a letter to re-open my case. I informed the person that I had indeed done this, and I was told to call back in another few weeks to find out the status of the dispute. I did that today ( XX/XX/XXXX ) and was informed that Huntington would not reopen the dispute, and I was hung up on by a Supervisor. This is clearly an attempt to avoid refunding money for a legitimate dispute, and I have made every attempt to jump through the bureaucratic hoops Huntington has laid out. They have tried to stonewall me by disconnecting my calls, pretending there were no supervisors or managers to speak with, and ignoring or omitting evidence that I have provided to explain my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX