23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I will never stop REWRITING to SYNOVUS BANK and to XXXX XXXX XXXX to dispute inaccurate information on my credit report. As per response from the SYNOVUS BANK on my previous complaints my account has been sold to XXXX XXXX XXXX which I am not familiar and my personal information has been shared without my consent this is total violation of Fair Credit Reporting Act. I am already preparing to file legal actions against your company. 

My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Mortgage

My mortgage is set up through bill pay to be paid automatically through my bank. For the months of XXXX and XXXX my bank accidentally send duplicate payments. All payments received in XXXX {$1300.00}, XXXX {$1000.00} and XXXX {$1000.00} total {$3400.00} should have paid my monthly payments in full from XXXX through XX/XX/2020. XXXX applied some of the money received to my principal rather than to payment. I have been in contact via email and phone asking for all payments received by XXXX to be applied towards payment. As of today XXXX XXXX still has not moved all the money over. The two supervisors that I spoke to that sent me an email saying that they have acknowledged all payments received that they see the error and that they were going to move all the money over are no longer with the company. I don't know what else to do but this company has received over {$3000.00} of my money and my mortgage payment is only {$600.00}. I lost my job back in XXXX due to covid and can not afford for this mistake to go on any longer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX
Product: Debt collection

A debt owed to XXXX XXXX XXXX XXXX in my name was sent to Transworld systems Inc/ for collections. The debt is in relation to an unpaid energy bill for a property in Texas. I have never lived in Texas and do not own property there. 

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 Transworld Systems Inc/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!
Product: Money transfer, virtual currency, or money service

I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed
Product: Vehicle loan or lease

traded-in/sold the vehicle in XXXX before the loan had been fully paid. During the transfer period to the dealership, the monthly transaction did occur. The dealership that accepted the trade-in also paid the full amount after taking owner however, the dollar amount was calculated before the last monthly payment was made. This left an overpayment of 1 monthly payment worth - amounting to {$340.00}. 

I have contacted the Hyundai Motor Finance to retrieve this amount and they have repeatably told us that the refund is being processed and to wait up to 2 weeks. It has now been XXXX  months.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts Nordstroms {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX  {$300.00}
Product: Credit reporting or other personal consumer reports

. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so.

Below is a summary of the data in which I am challenging The payment history from creditor and then the payment history reporting from bureaus The last date active, date opened, last paid, closed or open status, dispute of reinvestigation and if the first investigation cover dispute request where is the verifiable proof that it was viewed to be sure it is 100 % accurate when I believe it is not and does not meet the FAir Credit Reporting Act section 611 and needs to be removed for failing to comply with federal and state laws. 

XXXX XXXX XXXX XXXX complete proof documented not explained I want it to XXXX Shown that this account was and has been reporting 100 % accurate and the payment history from the creditor is the correct payment history being reporting on my credit. 

If you can not provide that please remove all of this wrong information from my report please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the XXXX XXXX XXXX XXXX of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus have a different name other than - XXXX XXXX- on my report. In XXXX, I was divorced and a victim of identity theft. Someone used a name with a middle initials. I contacted XXXX, XXXX, and Transunion. Upon showing them proof, their fraud departments have failed to remove the other name from my report. This has impacted me on purchasing a new car with high interest rates. Ive tried to have my report fixed but have been unsuccessful. On my report, there are still old accounts on there that are over XXXX XXXX XXXX.
Product: Checking or savings account

Chemical Bank closed my money market account in XX/XX/2018 and no monies were ever sent to me or escheated to the XXXX XXXX XXXX. The account, a money market account would have rolled up by merger to either Huntington Bank or XXXX XXXX several years later- both organizations claim they do not have the money - but XXXX XXXX did provide me funds from the CD that was rolled up and said that the money market would have gone to Huntington Bank XXXX My account which was in trust from my parents who passed away in XXXX had trust ID that the folks from Huntington and XXXX claim that could have been confused with a personal social security number within the bank. It may have been distributed to this person ( unrelated and known by me ) by mistake. Since the trust id and ssn of the other person had the same number ( same digits though a hyphen would have been after the first two digits of the trust id ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.
Product: Checking or savings account

On XX/XX/2022 I received emails from Bank of America stating that I had opened an online application for a bank account and had been approved. I was able to speak with someone in fraudulent claims today and they said they were closing the account as I was still on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$950.00} XXXX In accordance with the Fair Credit Reporting Act, These Accounts have violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting

Have sent several letter to ALL XXXX credit bureau trying to get down to the facts of there investigation process. They have not responded back to me at all. EQUIFAX , XXXX continue to report third party information. Collection agency buying debt for penny on the dollar have no binding contract with me or any one else for that matter. I would like immediate resolution removing all the fraudulently negative accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.
Product: Credit card or prepaid card

For over 15 months I have tried unsuccessfully to resolve the issue of making sure that my Apple ID is consistent throughout the Apple network via the online methods provided. There are two issues surrounding the Apple Card. On XX/XX/XXXX, I contacted Goldman Sachs directly because of the ongoing problem with receiving paper statements when I do not want them and I was informed that they have an incorrect Apple ID associated with my Apple Card. It is unclear how this happened, but I have a theory which is more sensitive in nature to put here. The second issue is because the Apple Card will not link to my Apple services. After the phone conversation with XXXX XXXX I was told that the issue would be escalated and someone would be in touch in 3-5 days ( when in actuality he should have stated 10 days ). On XX/XX/XXXX, I contacted Apple directly because of these issues to see if they had a solution now that I had more information. I spent XXXX XXXX hours in an online chat trying to resolve the issues without resolution. A subsequent phone call was arranged that same afternoon, which also resulted in no resolution with XXXX. XXXX scheduled a return phone appointment for 5 days, which was not completed at the specified time. When he finally did call back it was still not resolved and now XXXX came up with yet a different reason that the problem existed. He subsequently put me back in touch with Goldman Sachs who stated that the timeline for the original resolution was 10 days and this was now XX/XX/XXXX. On XX/XX/XXXX XXXX from Goldman Sachs called and left a message in response to my XX/XX/XXXX initial call. I called XXXX back, but was not able to speak with him directly and again had to reiterate all the details of the situation. The Apple ID associated with Goldman Sachs is not accurate and according to Apple does not exist and thus I am unable to make this Apple Card/Apple product association work smoothly. This new person at Goldman Sachs stated that she would take the information and it would now be another 10 days. This afternoon ( XX/XX/XXXX ) Apple card called again and stated that I would have to close my account and apply for a new Apple card in order to have the issue corrected. My response was why would I impact my credit score with such a ridiculous solution. Upon receiving my mail today ( XX/XX/XXXX ) I had correspondence from Goldman Sachs stating that they take my complaint seriously and that they tried to contact me, but were unable to do so, but I should call again to seek resolution. Thus, I am filing my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX services opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same. 
According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information.

If after any reinvestigation under paragraph one of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. XXXX Trans Union XXXX really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case
Product: Vehicle loan or lease

I got an apr of 10.14 and its too high! 
I agreed to pay but I lost my job trying to fight my insurance and I got left with a XXXX  debt with XXXX  monthly payment that I cant pay for. even before I thought its too high for new economy car. I asked around to refinance but they dont offer and they dont offer is because they got into a class action lawsuit about the bank adding a higher apr for another year or months.
Product: Credit reporting or other personal consumer reports

there are collections and hard inquiries on my credit report that i did not approve. 

XXXX XXXX opened XXXX amount of : ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a previous account with Conns. Fell behind on monthly payments in XXXX. Was then offered a Settlement Offer of {$430.00} to pay it off and it would close the account. I made two payments each month until XXXX. I assumed my account was good and closed, but never received a deletion letter as promised. I called Conns Customer Service and found out one payment in the payment plan did not process for some reason so it opened up a new settlement all over. I talked to a supervisor and got one last payment approved and if paid, it would be paid, in good standing and closed. I made that last payment in XXXX XXXX. I waited XXXX days to get a deletion letter and checked my credit regularly. When I had gotten nothing, i then called again and talked to a supervisor who stated the previous representative that took that payment input a number incorrectly, meaning the payment was never made and it " automatically canceled out my settlement offer ''. I argued how that wasn't right and talked to another supervisor who approved the last remaining payment be accepted then and there over the phone. It processed as debit and was reassured " that my account was FINALLY paid off and closed and it should take XXXX days to update and report on my credit. '' TO THIS DAY, it still shows as account open, charged off with a balance which is inaccurate. I have the bank statements showing the payments made as promised. 
I have disputed it several times through XXXX, XXXX and XXXX to which Conns FALSELY verified the information as accurate.
Product: Student loan

I made a full payment of all of my loans on XX/XX/2023. I believed at this time it meant that all my loans were paid off, and I checked the website repeatedly over many weeks and the website informed me that the remaining amount due was {$0.00}. Today, on XX/XX/2023 I was sent an email saying I was charged interest on my loans, and when I checked the website, it informed me that I had a " payment reversal '' and that none of my loans had actually been paid off. For me to be informed of this months after believing my payment to be completed, and for me to be charged interest during that time is unacceptable and predatory. If my payment was reversed, I should have been notified of that immediately instead of after EdFinancial could charge me interest.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : Georgia XXXX XXXX XXXX XXXX XXXX, XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments for the months of XXXX, XXXX, XXXX, XXXX, AND XXXX OF XXXX. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Debt collection

I AM A VICTIM OF AN IDENTITY THEFT, BANK OF THE WEST HAS ASSIGNED THISA CCOUNT TO XXXX XXXX XXXX COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT BANK OF THE WEST, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT BANK OF THE WEST