23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My issue is with XXXX Synchrony Bank credit card. I reached out to CFPB regarding a settlement but XXXX refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, L.P. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my experian credit report I found a name not known to me nor have I ever use this name being ( XXXX XXXX ) with name ID # XXXX. XXXX is my married name which is a very large family with XXXX and XXXX in serveral states. However, I don't know this name and it is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Accounts # [ XXXX, XXXX, 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 with out my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

All names should be removed from my profile besides my given name.
Product: Mortgage

My loan payment is due on the XXXX  and is NOT LATE until the XXXX. I have never made a payment past the late date but they incessantly call me about my payment from the XXXX of the month forward. I have emailed them twice about this and pointed out to them that I have never paid past the XXXX but they call daily and it is very aggravating. There is no need to call a customer about their payment until it is truly late. 

I most recently contacted them today, XX/XX/XXXX.
Product: Credit card

Wells Fargo offers cellular phone " insurance '' against damage or theft if you pay your cellphone bill with their credit card. I have been on auto pay to pay my cell bill for five years. In XXXX 2015 XXXX cell phones were damaged : XXXX dropped and died, other flooded in a storm while in my pocket. WF ins co says that the to be eligible for the insurance in the month of the loss/damage the prior month my cellphone bill had to be paid by my credit card. Note I have never had a prior cell claim so it is n't like I am working the system. Well ... XXXX pulls my cell bill from Wells Fargo credit card on the XXXX of every month UNLESS it is a 30 day month then the payment is pulled the XXXX of the next month. My XXXX payment was pulled XXXX XXXX thus in the month prior to my loss there was no payment. I think this is a financial company trying to wiggle out of their obligation on a technicality. The claim administrator satisfying the Wells Fargo guideline phone number is XXXX and my XXXX claims are XXXXand XXXX
Product: Mortgage

In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on me.
Product: Consumer Loan

I was a co-signer for an elderly individual-Applied for an auto loan through XXXX XXXX, the loan was transferred from XXXX financing company to another, without our approval. After the smoke had cleared we found out a second third party company XXXX as Consumer Portfolio Services had financed the loan. the initial loan was for {$10000.00} plus to finance the vehicle in early XX/XX/XXXX-The vehicle was paid up according to our records, however, XXXX stated there were additional interests in excess of {$5000.00}? What loan sharks!!! Our monthly payments were {$280.00}, however, only $ XXXX {$100.00} monthly were actually applied to the actual loan. When inquired about it, the company reps stated it was normal procedure. In reviewing our monthly payments, we discovered XXXX would intentionally post our payments late in order to justify charging additional interests and fees. When we paid by money order they would state they did not receive the payment until a week later, yeah right. When we made payments online we were forced to pay additional fees through XXXX XXXX, and the payments were still posted late. We challenged this and got nowhere with this company. There is additional info which I will upload, however, in short we were ripped off by this company and XXXX Automotives whom we thought we were dealing with initially. There were constant mechanical issues with the car, we called several times to complain about it, we were told our problem now. In addition to paying off the truck, we lost a lot of money in repairs, new tires, motor issues, etc ... The last payment made to XXXX was in XX/XX/XXXX for $ XXXX course they did not apply that amount to our account. In early XX/XX/XXXX XXXX finally picked up the vehicle, sold it, and stated, we XXXX or XXXX not receive a refund based on the amount received at the auction. In XX/XX/XXXX, a payment of {$1500.00} was posted to our account, shortly thereafter, XXXX contacted us to tell us they sold the car and we still owe them in excess of {$5000.00}? Really? We have no idea what XXXX actually received for the vehicle, they would not release that information in writing. Okay, so never mind the fact that we had already paid for the vehicle ( excluding their outrageous claims of excess interests charges & fees ) in addition to all of the money that we spent in mechanic fees/repairs. They did not care. These people have been constantly calling and harrassing us and have reported these fraudulent charges to credit agencies, this makes us furious. in XX/XX/XXXX The FTC fined XXXX XXXX https : XXXX ) It does n't look like anything has changed. At this point we do n't know where to turn. Thank you for taking the time to listen. We appreciate any assistance that you can offer. Have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX All XXXX XXXX, 2023. 
Multiple times i have frozen my accounts and even signed up for extra protection under Equifax. Multiple times a hacker has been able to unfreeze both of these accts and change my email to an outlook email. Over and over again, after i have changed my password and even userid. This truly feels like it is somebody from their own institution. They won't research the email that is given. Which would tell them immediatley who it is they are dealing with. 
I had XXXX inquires in early XXXX and all were trying to open personal loans. I even got a atm card in the mail saying i opened an online bank acct with a 0 balance... 
I asked for extra security to be put on my acct and asked for supervisor help XXXX, they let me sit on the phone for XXXX hours and then sent me to a survrey of how well they did, without ever getting me to a supervisor. This was Equifax. 
XXXX just keeps letting them in and changing my email and un freezing also. 
If this stuff cant be fixed, we are all in big trouble. 

Please help, XXXX
Product: Debt collection

TransUnion and XXXX XXXX XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. 

Both of these companies have also failed to provide me the method in which they used to verify this inaccurate and incomplete debt. 

TransUnion reports negative entries listing I owe {$830.00} and {$570.00} on XX/XX/2018. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

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

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
Product: Checking or savings account

XXXX XXXX Account number : XXXX Issue with Citibank XX/XX/2018 Monthly Service Fee {$25.00} After calling them multiple times to have them change my account package for the monthly service fee, they sneaked me this fee one more time. This is like the 4th time they have done this to me since the first time I called in.
Product: Mortgage

Hello, As of XX/XX/year>, I took out a home loan for 5.75 % and I recently found out about the Servicemembers Civil Relief Act for Louisiana caps military members ' interest rates at 4 %. I am trying to get this applied to my mortgage because the monthly payments are absurdly high, especially since the seller does not want to honor his end of the closing document which states he would be responsible for the first year 's worth of property taxes. Here is a link to the SCRA law I am referencing : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Product: Checking or savings account

I had my savings at Capital One in an account I understood to be a high-interest savings account called 360 Savings. I specifically chose the account for this reason. I have come to learn by reading an article in the XXXX XXXX XXXX, published XX/XX/XXXX, that Capital One introduced an account called 360 Performance Savings in XXXX with much higher interest. While it ended enrollment in the 360 Savings account program for new customers, I was given no notification despite years of customer loyalty. When I learned of the new account, I immediately opened one and transferred funds. 

I am making this complaint because I believe Capital One behaved deceptively. The new account has nearly the same name and it was instituted without any notification to those who held the older account. I think Capital One has a responsibility to communicate in good faith with all of its customers about opportunities for better interest rates.
Product: Checking or savings account

Money was stolen out of my account back in XXXX to XXXX and I told them about the problem but they never did anything about it telling me that its going to be fixed by a bank manager higher up in corporate office but its XXXX and Im still dealing with the same issue. All the money I was making during the time working at chick fil a and was being took out my account like someone else had access to my account. This bank name was Wells Fargo. I was young at that time and I didnt have any help in getting my money when I first started working at XXXX XXXX XXXX in XXXX, but now that Im older I can get the help and representation I need to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX added a collection on my credit report. I never went to XXXXXXXX XXXX and never applied for credit nor any services from them. How did they get my social security number. Please delete this account I have too many inquiries that are no mines I want investigated please see below. Who did these inquiries on all 3 of my credit bureaus too stressful. Please investigate to delete XXXX Inquiry from XX/XX/XXXX!!!!!!!!! who is this XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX BankXXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX General Clothing Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX Miscellaneous Utilities Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX
Product: Mortgage

Great day to whomever is reading this ... .. 
I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX
Product: Debt collection

When I was called to XXXX XXXX XXXX, Synchrony Finance failed to put three of my credit accounts in Service Member Civil Relief Act ( SCRA ) status. After multiple failed attempts to get Synchrony Finance to put my accounts in SCRA status so that I could pay them off in accordance with SCRA capped interest rate provisions, Synchrony Finance charged-off my account in XXXX. I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX Synchrony Finance then retroactively placed all three of my credit accounts in SCRA status and refunded two checks to me. Synchrony Finance, on the other hand, refused to accept responsibility for their role in charging off my account with the correct amount and balance owed, which had a negative impact on my credit report. Synchrony Finance 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit account, change the terms of my credit, or refuse to grant me credit simply because I exercised my SCRA rights. Furthermore, a lender can not provide negative information to a credit reporting company simply because I exercised my SCRA rights. The SCRA required Synchrony to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate ; resulting in incorrect balance and debt owed ). They only agreed to retroactively cap the interest rate and adjust fees after I hired an attorney to send a letter and filed an official CFPB complaint.
Product: Debt collection

XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided.

Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking c

ertifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.
Product: Money transfer, virtual currency, or money service

I was looking to rent an apartment, and I saw that a person published a lot about it and I never saw a comment that said scammer or something, there came a time when I could never find a place or I was never approved of being able to rent it that I decided to take a risk and trust that person on the internet. He asked me to deposit a certain amount ( XXXX $ ) to set aside the apartment because there were many other people wanting to set it aside anyway, I sent him the money and then when he arrived at the agreed time, we called him and he never responded, he blocked us from XXXX and the owner of the building told us that it was a scam.
Product: Checking or savings account

Chase bank has three of my checking accounts in overdraft. I had submitted a dispute to charges from several months ago during the year of 2022, and the bank has " closed '' my complaint and said that they had determined that the charges were authorized. I have complained several times through the messaging portal and by written letter sent by XXXX. The bank has literally provided me a copy of a receipt that does not have my name on it at all, and they said the charge was authorized. I recently submitted another request by mobile app asking how can I submit my own documentation to the bank, and the response I received provided me with a random complaint number and said the complaint is officially closed. Nothing was answered and this is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries below : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan with a promotional period of XXXX months no interest. 

Ive been trying to pay it in full for months but had issues with the website saying I had XXXX balance with no due date. I kept receiving emails that said I had XXXX balance and XXXX due. When going to the website it provided, I would log in and there was no account linked to my information. The website they provided is GoodLeap.com when in fact the correct website is payGoodLeap.com All documents in contract note that the first payment due date is XX/XX/XXXX and Ive been trying to pay off since XX/XX/XXXX since I had funds to pay in full. I reached out to good leap customer service and there was no follow up from them. On XX/XX/XXXX I reached out again and was able to pay in full, and then after I paid the customer service rep sent me a bill for XXXX ( XXXX XXXX ) dollars because I was 3 days past the due date of XX/XX/XXXX which was not listed anywhere - in the emails or the dashboard. 

I have proof that in my account I set up automatic payments to pay the entire of the statement balance but it never triggered because GoodLeap did not list a statement balance in my account. 

They have failed to provide accurate information in all of their communications and failed to respond in a timely matter to mediate the issue. If they had responded I could have paid before this unknown due date. They are a predatory business that hides information to confuse customers.