23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi, On XX/XX/XXXX around XXXX XXXX, I went to a citizens bank ATM to deposit 16 checks totaling {$2300.00}. After the machine took all the checks, it suddenly shut off without providing me any receipt. I called the bank and filed a claim, explaining what happened, and they credited my account right away. However, on XX/XX/XXXX, I received a letter stating that after their investigation, they couldn't find any errors or checks in the ATM, and they reversed the credited amount from my bank account. I called several times to request another verification and to have the credit reinstated, but the customer service representatives said they couldn't take any further action. Unfortunately, I lost the money as I'm unable to request replacement checks from the people who issued them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX XXXX  to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Debt collection

The following amounts are showing up on my credit report. I have no knowledge about this company and never dealt with it. 

{$290.00} {$520.00} {$440.00}
Product: Student loan

To whom it XXXX concern, on XX/XX/year> I received information in the mail from Mohela in regard to student loan repayment details, how to make payments, contact information, and a bill statement. My concern is the amount owed. Mohela sent out a statement with a due date of XX/XX/year> and break down of each loan with a different account number that stated I owed {$22000.00} in loan amounts. Pre the information I received on yesterday with a different account number, I now owe {$23000.00} ( XXXX  ), {$12000.00} ( XXXX  ) totaling a principal balance of {$35000.00} plus {$150.00} ( ACCRUED UNPAID INTEREST ) plus {$24000.00} ( INTEREST PAYABLE ) total amount to be repaid {$60000.00}. I'm so confused? How can the amount change from XXXX account to another account? I called Mohela on XX/XX/year> and the customer service agent stated that this amount was correct by their records. I need answers. 

Thank you!
Product: Student loan

Hi, my name is XXXX and I had a Tuition Answer loan with Navient. I filed bankruptcy in 2016, but continued to make payments after. Citing the recent court injunction- Homaidan et al., v. Navient Solutions LLC et al., case number 1:17-ap-01085 - Navient has been ordered to halt collection on this loan ( they have since transferred the loan to my co-signer ). Your website states that Navient has been ordered to return payments made after a bankruptcy case. Navient has refused to do so. I have called customer service to no avail.
Product: Credit reporting or other personal consumer reports

I am formally disputing the SYNCB/PPC account ( Account Number : XXXX ) as reported on my credit reports by XXXX, XXXX, and XXXX. Despite submitting multiple dispute requests over the past several months, SYNCB/PPC has failed to validate this debt within the legally required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Additionally, the following errors and inconsistencies are present in the reporting, which warrant the immediate deletion of this account. 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. 
Error : Reporting a start date in the future is factually inaccurate and misleading. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Inconsistent High Balances : XXXX : High Balance {$180.00} XXXX : High Balance {$0.00} XXXX : High Balance {$240.00} Error : The high balance should be consistently reported across all credit bureaus. 
Violation : FCRA 607 ( b ) Inaccurate and inconsistent reporting of high balances. 
Conflicting Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : Inconsistent reporting of last activity dates indicates unreliable data. 
Violation : FCRA 607 ( b ) Inaccurate reporting of account activity. 
Failure to Validate the Debt : Despite multiple disputes, SYNCB/PPC has not provided any documentation to validate this debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors are required to verify disputed information within 30 days.

Discrepancies in Past Due Amounts : XXXX : Past Due {$170.00} XXXX : Past Due {$170.00} XXXX : Past Due {$170.00} This balance should not be classified as past due if the account is charged off with a {$0.00} balance. 
Specific FCRA Violations Failure to Verify Disputed Information : Violation : FCRA 611 ( a ) ( 1 ) ( A ) SYNCB/PPC failed to verify the disputed information within 30 days.

Failure to Ensure Maximum Possible Accuracy : Violation : FCRA 607 ( b ) Errors in reporting dates, high balances, and activity dates demonstrate failure to ensure accurate reporting.

Failure to Delete Unverified Information : Violation : FCRA 611 ( a ) ( 5 ) ( A ) If the debt can not be verified, it must be deleted from my credit report. 
Providing Misleading Information : Violation : FCRA 623 ( a ) ( 1 ) Furnishing inaccurate or misleading information to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, XXXX, XXXX, and Equifax and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, My Maiden name is XXXX XXXX XXXX.
Product: Student loan

XX/XX/XXXX I am so tired of XXXX ads on my TV. As a nonprofit, how are these paid for? 

Im sorely disgruntled. And I am going to fight back. Finally. 

I tried the XXXX XXXX, but there werent enough characters to explain my circumstances. I was denied. 

What happened. XXXX I was admitted into the XXXX XXXX XXXX XXXX  based on my XXXX  in XXXX, XXXX  in XXXX XXXX, and XXXX  in XXXX XXXX, XXXX. I am smart. 

However, to achieve XXXX 's XXXX XXXX  degree, I discovered that a XXXX  in XXXX  was required. I flunked out of the program. With a student loan hanging over my head.

I had never heard of a thesis statement and was never exposed to how to write a paper based on that. 

At XXXX, I wrote technical documents, taught technical classes, and went to technical conferences. 

In fact, I worked so hard at flunking at XXXX, that sitting in front of my computer for hours caused XXXX. As an IL XXXX XXXX XXXX and falling off a pole working my way to school in the XXXX, I had hairline fractures in my XXXX. Sitting and reading English Literature to catch up, caused extreme health issues. I eventually had to get XXXX in my back to alleviate the pain. I cant sit for long periods of time. 

I tried my best to get a XXXX in XXXX  at the same time I got an XXXX  in XXXX, but found that it was totally impossible. Im not a quitter.

I feel so defrauded. 

Had the admissions counselor inquired about my reading habits, she would have found that I lacked the background in English Literature to succeed. 

My reading habits when I was admitted to your program : Any XXXX XXXX XXXX XXXX XXXX short stories History memoirs ( XXXX, Civil War ) I do living history events. 
Cookbooks ( I have XXXX XXXX Any XXXX XXXX Cooking, preserving, drying Gardening Prepping Writing, memoirs, how-to IT technical manuals XXXX Texas training. I was a paid tour guide. 

I have read XXXX XXXX XXXX Shrugged and XXXX, XXXX XXXX XXXX, XXXX XXXX, In XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXXXXXX back in High School, XXXX. Thats it. At home I read XXXX and XXXX XXXX. 

In the middle XXXX, I was an installer/repairman and barely had time to eat, sleep, and shower. The job was very strenuous, but It helped pay for college. 

I graduated from college in XXXX, and worked at XXXX XXXX in XXXX XXXX for 23 years. After early retirement, I hoped for a career in Creative Writing. XXXX  at that time, XXXX, was the only college I could find. 

UNFORTUNATELY for me, a career did not pan out. 

So, because I have been duped, I am filing a complaint with XXXX, FTC, XXXX, Nelnet, XXXX XXXX and sending to my Texas Senators as well as New Hampshire Senators. 

I failed because XXXX failed me. I can see how the college just loves its online customers and we see ads of those that passed, but dont hear how you have misrepresented the college of those that failed. 

I do not pay for fraudulent misrepresentation. Ever. 

Cant wait to post on XXXX, XXXXXXXX XXXX XXXX, and XXXX. 

Good day,
Product: Credit card

Dear Wells Fargo : Yes, I did receive your letter dated XX/XX/2016 ( scanned & attached on here ), but I did not receive a letter earlier dated XX/XX/XXXX as you stated. I 'd like to reiterate that I did not have nor receive your written communication XX/XX/XXXX ; therefore, I was shocked to learn that Wells Fargo had closed the account. 
While I understand but regret of your earlier response that Wells Fargo has the right to cancel or terminate at anytime, however I respectfully request that my earned points or cash credit from uses of the card until XX/XX/2016 can be redeemed since I had had no knowledge as to why. Although Wells Fargo chose to close or cancel the account as wish at anytime, I regret that I had no known earlier reason ( s ) and hope that Wells Fargo could reconsider to reopen the account, or at least fairly allows customer in my situation to redeem the earned credit as of the closing date. 
Thank you for your consideration and cooperation. I look forward to a fair resolution. 

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

XXXX XXXX XXXX has unlawfully used unlawful PHI which is a violation of HIPAA and they have broken the law both on federal and state level demand in investigation and also how they were able to falsify and purge themselves over 30 times to this web portal
Product: Credit reporting or other personal consumer reports

I am submitting this FTC Identity Theft Affidavit to report for fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include a personal credit card account opened with XXXX on XXXX, XXXX, 2024, an account opened XXXX on XX/XX/year>, and an account opened with XXXX XXXX on XX/XX/year>, each under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

SunTrust is manipulating the timing of the posting of transactions to customer accounts to profit from excessive overdraft fees. Currently there is no logic to how transactions are posted to accounts, other than to maximize the fees SunTrust is able to charge. A customer could charge a transaction at XXXX XXXX on a Wednesday that is posted and settled to their account prior to a transaction that occurred at XXXX XXXX. on the same day, even though both charges appeared as " processing '' on the account from the moment they were submitted. As a result, SunTrust is processing larger debits before smaller ones, putting accounts into overdraft status unnecessarily early resulting in additional overdraft fees. For example : An account currently has a {$100.00} balance. On Wednesday at XXXX XXXX. a debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. a XXXX debit card transaction is processed for {$100.00}. All XXXX transactions are settled and posted to the account on Friday, two days after the transactions occurred. XXXX would expect the first XXXX transactions would be processed with enough money in the account to cover them and only the XXXX transaction would be assessed an overdraft fee. However, this is not what is happening. Instead, SunTrust will process the {$100.00} transaction first, which overdrafts the account and for which it charges an overdraft fee. It will then charge overdraft fees for the other XXXX transactions since they too are posted as overdrafts. Therefore, rather than charging XXXX overdraft free of {$36.00} ( SunTrust 's current rate ) for this set of transactions, they charge XXXX fees of {$36.00} each, or {$140.00}, a difference of {$100.00} profit for SunTrust by manipulating the timing of transaction processing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your immediate intervention regarding a fraudulent account reported by Experian on my credit report. Despite my efforts to resolve this matter directly with Experian, the erroneous account remains, negatively impacting my credit score and financial standing. This account, which I did not authorize or open, constitutes a clear case of identity theft. I have attached all relevant documentation, including my formal dispute filed with Experian, a police report, and evidence supporting my claim of fraud. I urgently seek your assistance to have this account deleted from my credit report to prevent further damage to my financial reputation. Your prompt action in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, # 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access the online dispute services due to server errors and other technical issues. Because of this I have been unable to correct my address that is on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been scammed through this thing called covid health care program. I was XXXX and gave them my bank information and sent money through cash app. I also gave my social security number. I want my money back and I dont know if Ill get back.
Product: Credit reporting 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 these 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 correct : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. I saw an inquiry that I did not authorize. 

Name : XXXX XXXX Date : XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1881b.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment entries on my credit report that remain unresolved despite my efforts. More than 30 days ago, I provided written notice about these erroneous listings, requesting validation and correction. However, I have not received any response or action to rectify the issue satisfactorily. I am now escalating my request for your prompt assistance in remedying this continued reporting of incorrect derogatory information on my credit file.
Product: Mortgage

I have been trying for over a year with SPS to get help on my mortgage with back payments. SPS took over my loan XX/XX/XXXX from XXXX XXXX as I just got a wonderful affordable modification I can afford well in the meantime the loans was transferred and everything was a FIASCO for several months as I called everyday, In XX/XX/XXXX I was laid off due to the COVID-19 Pandemic I CALLED SPS to advise them they put me in a forbearance program I also was asking for help with the back payments I know I have a good low APR of 2 % I was not asking for anything lower just help with getting back on track with my payments to bring my account current and I have been given the run around for a entire year please someone look into my account and phone logs. I was told I had to assume the loan which I knew nothing about, I filled out several papers OVER AND OVER just to be denied everytime. In the State of NJ I was advised the Mortgage companies could NOT ask for all back payments due to the pandemeic which technically was from XX/XX/XXXX until now as of XX/XX/XXXX ' I got a full time job so I definitely can pay my mortgage I am willing to pay a extra {$200.00} with my current mortgage, I was told my account is with a attorney in foreclosure I have done everything and submitted everything SPS has ever asked for to avoid foreclosure and pay my mortgage I can afford my {$1500.00} monthly payment I only need help with the back payments not seeking a lower APR I DON'T WANT TO LOSE my home I have nothing if I lose my home. I lost my husband in XXXX ' as a extra income was taken and I promise I will do all I have to to keep my home and SPS is not willing to work with me for a year now .I was never notified by SPS by law 15 days effective the transfer that was my right, I just want SPS to work with me on my back payments I am willing and can afford my mortgage I am begging for HELP as I have for over a year with SPS and it seems all they want to do is foreclose they haven't tried to work with me I was even told by a supervisor XXXX on XX/XX/XXXX ' to go get a personal loan cause SPS can't help me. I was distraught this is effecting my health, XXXX XXXX XXXX possible XXXX if I can't get my pressure under control due to this stress, PLEASE HELP ME KEEP MY HOME I lost my husband I don't wan to lose my HOME we worked hard to get for 15 years ago. I even got scammed by a company who said they can help me by working with you charging {$1300.00} for 3 months and nothing but a DENIAL FROM SPS I am at the end of my rope for help I am XXXX  what do I tell my son if we lose all we got left.