23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were in forbearance from XXXX 2020 with Guaranteed Rate, Inc. We had communication throughout the month of XXXX to bring the payment up to current for those three months. Guaranteed Rate , Inc requires {$12.00} to pay over phone, but we paid online instead and received a confirmation number. Guaranteed Rate , Inc never accepted the online payment, nor did they reach out to say they wouldnt accept the online payment. I had to reach out to them by phone after seven days passed because the funds was still in our account. At this point I was told you can not make multiple payments at once, but would have to be 3 individual payments. I was confused as Guaranteed Rate , Inc payment system didnt relay this information, nor did the agent who I spoke with. We sent them a check in the full amount for those three months and the very next day we received notifications that were 90 days pass due. This dropped our scores tremendously over XXXX points. This makes it impossible for us to refinance in XXXX because now our scores are horrendous. Weve worked very hard to have decent scores for Guaranteed Rate , Inc to thrash them with their incorrect reporting. Our scores will take months to recover from this false reporting. I dont recommend Guaranteed Rate , Inc as they are irresponsible in reporting accurate information. Not to mention they have blocked us from making payments online now. I call them to address this and they just transfer me back in forth for 40+ minutes with no help to resolve the issues. Horrible customer service.
Product: Student loan

I do n't have the income at this time to pay back my loan and I 've been given the option of forbearance from Navient but not once was I told I would still be charged for interest until I read an article about Navient being sued and it mentioned it in the article.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mismanagement and handlind of patient account and chart XX/XX/XXXX I received a collection letter from Frost- Arnett from XXXX XXXX XXXX XXXX XXXX 
My Physician is XXXX XXXX was at XXXX XXXX  and they sold/bought out/hostile takeover and the accounts were sent to XXXX XXXX XXXX XXXX XXXX unbeknownst to me. This took place based on the new staff in XX/XX/XXXX. 

I had a bill for {$220.00} and called the XXXX XXXX XXXX to pay was told I could not pay the office and that the new billing office would contact me. 

Months later, I received a text as to how to pay, and when tried to pay, was told the patient account number was wrong and referred back to my doctors office. 

I called XXXX XXXX  office and they did not have my chart and I would need to sign a document to get the file back from XXXX as XXXX XXXX new owner, did not get my chart, ( even thou I am still XXXX XXXX patient ) he did not own my records. So confusing. 

I then received a text to pay on-line and again, could not open as I did not have my new patient number to access the portal link. 

XX/XX/XXXX I received a collection notice for account XXXX to pay Frost-Arnett. I called XXXX XXXX  is who now XXXX XXXX and was told my account was sent to collection under patient # XXXX under XXXX XXXX and they had no records and that I had been reported as derogatory. I was then advise to call the corporate office as the local office did not handle any of the billing office. I called corporate XXXX and was unable to speak to a person, as the voice system only allowed to pay by phone and must have a patient ID number, of which when I put the patient ID into the system and it would not accept # XXXX. 

This company both XXXX XXXX and XXXX XXXX XXXX has poorly handled my patient records ( I can not get copies ) and my billing account. They have mismanaged the entire process due to a hostile split between the two entities and thus reporting my ( me/bill ) as delinquent and issued a late pay and collection notice to my credit bureaus. 

XX/XX/XXXX I have not and still can not pay the bill and the reporting of this derogatory to my credit file is unjust and I want any negative reporting corrected and apology on the mishandling of my patient chart and billing. 

thank you
Product: Debt collection

I am writing today on XXXX XXXX to submit a complaint and grievance to an alert communications to my mothers home asking her if i would make payments for my own personal debt that i owe to Capital Management of {$6200.00}. 

XXXX XXXX will be through MAIL ONLY to my home address on file. 


I will also provide {$25.00} per month until the debt is no more to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

XXXX XXXX XXXX XXXX ( Settled Account ( s ) ) Bank of America ( Settled Account ( s ) )
Product: Bank account or service

I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding their refusal to credit the funds for six fraudulent transactions made on my XXXX account. The details of these transactions are as follows : * XX/XX/2023 : {$95.00} * XX/XX/2023 : {$56.00} * XX/XX/2023 : {$79.00} * XX/XX/2023 : {$51.00} * XX/XX/2023 : {$170.00} * XX/XX/2023 : {$18.00} To support my claim, I have attached a crucial piece of evidence : a screenshot of an email from XXXX, confirming the detection of unusual payment activity on my account. XXXX temporarily placed my account on hold on XX/XX/2023, as they were unable to verify the ownership of my payment method. 

I am seeking the prompt resolution of this matter and request the reimbursement of the funds for the aforementioned fraudulent transactions. 

I trust the Consumer Financial Protection Bureau to handle this complaint diligently, and I really appreciate your attention to this issue. 

Thank you very much for your prompt assistance. 

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

XXXX XXXX XXXX XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

Dates of Reinvestigation in progress XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against Equifax for unfairly lowering my credit score by XXXX points simply because I exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information on my credit report. 

This issue is not related to any new negative activity or account changes on my credit report. The only modification made by Equifax was the addition of a " XXXX XXXX - XXXX in XXXX '' remark. Despite the fact that no late payments, collections, or new derogatory marks were added, my credit score dropped solely due to the dispute notation. 

This practice is fundamentally unfair to consumers and discourages individuals from disputing inaccurate information out of fear that their credit scores will be unfairly impacted. This is an infringement on our rights under the FCRA and contradicts the purpose of credit reporting laws designed to ensure accuracy. 

Consumer Protection Violations : Unfair Penalty for Exercising Consumer Rights ( FCRA - 15 U.S.C. 1681i ( a ) ) Consumers have the right to dispute inaccurate information on their credit reports. 
Penalizing consumers with a score drop for simply initiating a dispute discourages them from ensuring their credit reports are accurate. 
No Justifiable Reason for Score Reduction The only change made to my report was a remark indicating an ongoing dispute. 
There was no new negative information, missed payments, or increased debt that would justify a XXXX drop. 
Violation of XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531 UDAAP Protections ) Penalizing a consumer for filing a dispute is an unfair and deceptive practice. 
This discourages consumers from correcting errors, contradicting the intent of the FCRA and CFPBs mission to protect fair credit reporting.
Product: Money transfer, virtual currency, or money service

I send a money transaction through MONEYGRAM to my mother she is XXXX years old, with a XXXX XXXX and XXXX ( this money was indented for her medication ), the company warranty that the money is available in 5 minutes, my mother was at the XXXX XXXX, XXXX, XXXX XXXX and first the agent told my mother first that the reference number was incorrect, she called me and I confront that information with her it was same as MONEYGRAM system provide, second they told her that the transaction was already been pick up, well according to MONEYGRAM and my online profile is still available to be pickup, then they told her and me that the transaction did not appear on they are system ; mean time I called MONEYGRAM Myself to confront the information from my online account with them and everything is correct, names, reference number, phone number, email address, I was advise by MONEYGRAM to have agent from XXXX to contact MONEYGRAM, agent from XXXX stayed that they are not allow to contact MONEYGRAM. I spoke to XXXX on the Escalation Department she stated that they can receive a call from the XXXX agent but not call out, I spoke to XXXX XXXX and stated what prior agents have already told me, I spoke to multiple agents that I was not taking dawn they information. XXXX agent stated that they can not call out I need it to call it my self I did and they just keep going on circle. 

Did I mention that XXXX due to Covid # 19 they can only go out every 15 days so this mean my mother will be without medication for 15 day and MONEYGRAM agents event on the Escalation Department just continue reading they are scrip.
Product: Checking or savings account

Hello Respected maam or sir Please help me for overdraft fees charges XXXXXXXX XXXX  in negative account for every single transaction deducted XXXX $ XXXX briefly if recurring payment charges XXXX $ on XXXX XXXX XXXX XXXXXXXX XXXX Total XXXX time this type transaction XXXX $ in last 8 months. And just give me XXXX time money back but XXXX time transaction pending XXXXXXXX XXXX XXXX {$1000.00} amount not reversed i am already struggling to maintain my financial stability m really appreciate you if you helping me my hard work money refund. 

Thank you so much XXXX XXXXXXXX XXXX  Wellsfargo XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Called XXXX to ask if they were receiving any money from me because I had been sending payments through my bank account to Certify Student Services loan company. The representative at XXXX informed me that they do not work with 3rd party companies and that there should be no money coming out of my account right now because all student loans were frozen until further notice. Then I was told to report the company. I Informed XXXX that Certify Student Services had been taking money out of my bank account since XXXX of 2022 for {$120.00}. Then told by representative that they have not received anything and to please report the company because they are not on the list of companies to handle student loans. And if I am lucky, I may be able to get some of or all of the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Orginally I had an amazon synchrony bank  ( GE Bank   spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went  up they reduced my limit which brings my score down. I have kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  Amazon  user board.     We bailed out this bank and this is how they treat us?
Product: Checking or savings account

I recently had XXXX XXXX in XXXX, when I went into the XXXX my daughter in law noticed that my daughter was withdrawing money at a rate that was alarming. When I tried to call to get this person off of my account because of elder abuse, or unauthorized withdrawal of funds, the bank told me I would have to come into a branch and that they couldn't do that. I, in no way, could make it into a branch and wanted to stop this unauthorized withdrawal of my money. 

Then when I opened a new account at a different bank, which I warned them about, they shut off my access to online banking and inactivated my account. They are preventing me from moving my money to the best of my ability since I am immobile and depend on others to drive me around to doctors appointments and other things I need and can not get to a bank in the limited amount of time I have someone to help. The bank called and asked if I had made the money transfer and I said yes, but they still inactivated my only life line. WHen the bank called to see why I was transferring money out to my new account they told me that it was not my normal actions so they questioned it, but they did not question my daughter withdrawing inordinate amounts of money from my account, that drastically increased during the months I was incapacitated.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below, which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated the inaccuracies are highly injuries to my credit score. 

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 In accordance with The Fair Credit, Reporting Act, Public Law, 91506, title VI Sections 611.

Provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

On XX/XX/2018 CFSI filed on my credit I owed {$490.00}. I do not. I have never done business with the company
Product: Payday loan, title loan, or personal loan

It was a XXXX dollar loan, I thought they were just going to take that plus the interest rate when I got paid. But on my payday they only took XXXX and it was going on for about 4 or 5 paychecks before I switched bank.
Product: Credit card

Dear CFPB, I am writing to express my dissatisfaction with handling of introductory bonus that was promised to me when I opened a new OneKey credit card with Wells Fargo. Unfortunately, the actual bonus I received was way less than what they mentioned online and during the entire application process. Below are the details of this issue : XXXX. Introductory bonus not applied correctly : On XX/XX/year>, I applied the XXXXXXXX XXXX XXXX  through a link from XXXX XXXX XXXX XXXX XXXX XXXX. You may look at this link and all related terms. It highlights that after spending {$1000.00} in the first 3 months, I will earn {$400.00} back. However, I ended up only getting {$150.00} introductory bonus on my Wells Fargo account. 

2. Communication with Wells Fargo : I tried to reach out to Wells Fargo and ask why. They claimed that since I were actively booking and had applied for the credit card from XXXX website, they can only offer {$200.00} statement credit plus {$150.00} introductory bonus. However, there is no such information anywhere on agreement or website. Hence, I don't understand why the place I applied matters. I asked Wells Fargo to provide online accessible evidence to show this $ XXXX {$150.00} term, they are not able to give me any link. I've been having both email and phone call with Wells Fargo about this issue for a week, but still not hearing anything helpful. They ended up asking me to reach out to XXXX. When I asked whether I can talk with their credit card team, they also refused to connect me with that department. 

3. Communication with XXXX : I then reached out to XXXX. However, XXXX claimed that the {$1000.00} dollar has to spend only on XXXX website, and not other places. This is again not listed anywhere on webpages. On this link ( https : //www.expedia.com/legal/one-key/card-terms-pp ) under " Introductory Offer '', it clearly says that " To qualify for {$400.00} in XXXX, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. '' At the end, XXXX asked me to reach out to Wells Fargo for a solution. 

The entire process has been incredibly time-consuming and frustrating. I trusted that the branch would handle this correctly from the beginning. However, due to errors and mis-communication on Wells Fargo and XXXX, XXXX have been kicking back and forth between these XXXX companies. With XXXX week of effort, I am now still not getting the promised {$400.00}, as well as the time that I could've spent to create more values to the community.
Product: Credit reporting or other personal consumer reports

This student loan account listed as DPT EDXXXX Account XXXX XXXX XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

And yet again experian is closing complaints without having addressed any of the issues which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back and it is greatly affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous hard inquiries from XXXX. They are on all 3 of the credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.
Product: Credit reporting, credit repair services, 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.

has violated my rights. Or list of inquiries 15 U

.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Debt collection

I received an email on XX/XX/24 concerning a past credit card debt of XXXX. The email said I could pay XXXX to settle an close the account. The next day called them and they accepted to settle and close the account for {$940.00}. The confirmation number for the settlement is XXXX. They also said they would send me a receipt by email that I would have to sign and send back immediately to expedite the closing of the account to report to the credit bureaus asap. I received the receipt by email on XX/XX/24, signed it, and sent it back within XXXX minutes. I just woke up the an alert on my email from XXXX. It says I have a remaining balance of XXXX on that same debt that was supposed to settled and closed. This is misleading the consumer and I believe fraudulent. Can someone please help
Product: Credit card or prepaid card

I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$33000.00}.