23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

You closed complaint # XXXX in error and I do not think you understand the issue. XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT posted my credit. Sure they will list the return under transactions, BUT it does NOT decrease your balance. See email below from XXXX XXXX  advising I have an pending, unposted credit transaction for {$100.00}. To this date, XX/XX/18, it has posted to my account! 

From : XXXX XXXXSent : Saturday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your XXXX XXXX account is {$1000.00}. Since there is an unposted credit transaction of {$100.00}, your available credit limit is {$470.00}. Also, the current balance on your account is {$630.00} We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team
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 these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$33000.00}
Product: Mortgage

Loan # XXXX complaint against Carrington Mortgage services Subject- I do made a paying regularly. In 8 years never late but mortgage company didn't post my payment. 

Hello. 
I brought home in XXXX, since then made the payment on time. I use to made payment to chase mortgages at XXXX, but XXXX sold my account to carrington mortgages, Since XXXX. XX/XX/XXXX I am making payment to carrington mortgages. Payment made by EFT first week of every month. I was shocked when find out my payment not post and but my account 1 month behind. I spoke many time to carrington services and told them there was payment made every month, After all going thru this I made another {$700.00} payment to carrington, in XX/XX/XXXXI made 13 payment.

In XX/XX/XXXX I made

3 payment but carrington online account showing only 1 payment. My monthly payment is {$500.00} because removed house tax removed from my mortgage account. 1 -My complaint is carrington should refund my
{$700.00} from XX/XX/XXXX because I made 13 payment.

2- In XX/XX/XXXX carrington should post my 2 payments because it is paid each payment was {$500.00}. 

Please call me if there is any question. I have receipts. 

thanks
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX XXXX  XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Student loan

My current loan servicer is Mohela. I have communicated through messages on the Mohela website as well as called their toll free number to determine why my monthly loan repayments are shown at {$820.00} but no representative at Mohela has been able to sufficiently answer my question. My Mohela account shows that my current principal is {$54000.00} with {$0.00} current interest and with a 5.31 % fixed interest rate and repayment remaining over 105 months. I am being told I owe {$820.00} monthly when my payment plan begins XX/XX/2023. This calculation would reflect the correct amount IF based on my original principal of {$70000.00}. My monthly repayment should resume at {$640.00} through my current loan repayment terms. Mohela is resetting my loan payment modifying only the number of payments and not the principal, as such they are charging me approximately an additional {$4000.00} over the life of the loan. They are likely doing this to many other consumers as well. As shown through the Department of Education 's loan webpage at studentaid.gov, " Your loan servicer would base your new payment amount on : 1 ) your current balance of principal and interest and 2 ) your remaining repayment period. 

Direct link below : https : //studentaid.gov/announcements-events/covid-19 Please see the amortization schedule attached for further details.
Product: Credit card

On XX/XX/year> I received an email from Synchrony Bank that advised that if I continued receive a paper statement there would be an additional XXXX charge. 

I called the customer service number and was advised that I would have to sign up for internet access to the account. I am not comfortable to do this because I feel that that allows for additional possibilities for my information to be compromised. 

I feel that this is an excessive charge that is in line with usury fees. The standard interest fee is 29.99 %. 

My credit score is excellent and I do not feel this should be an acceptable charge. 

I have XXXX credit cards with Synchrony Bank. { XXXX XXXX XXXX XXXX XXXX XXXX }
Product: Debt collection

XXXX XXXX calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX XXXX. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead.

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors.

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I, ( XXXX XXXX ) reported to Experian that there was a collection Debt on my report that belonged to my XXXX sister, XXXX XXXX. XXXX XXXX XXXX was the collections company and the account was from XXXX XXXX in XXXX XXXX, Wa. where my sister lived. I have been living in XXXX, AZ for the past 11 yrs. My credit, as well as the DMV have mixed mine and my sister 's info up before so this was no surprise however it is very frustrating and really should n't be happening. So I disputed this collections debt with Experian and after their " so-called '' investigation Experian closed the claim stating the information was accurate and refused to take it off my report. Obviously upset, I then called the creditor, XXXX XXXX XXXX and immediately find out that the lease was indeed in my sister 's name, ( not mine ) along with XXXX XXXX. All their information i.e employment, date of birth, ss #, personal references was correct with their information except somehow my credit was pulled up during the application process. Clearly someone should have noticed immediately that the name on the credit report did not match that of the applicant/tenant. So XXXX is now removing my ss # from the account, has changed it to my sister 's, and will notify my creditors to have the collections removed. I found all this out in one phone call to XXXX. I do n't understand why Experian during their investigation could n't figure this out. Something is definitely wrong with our system and with today 's technology it 's just completely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( November 19, 2009 ) ( quoting XXXX XXXX XXXX XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) XXXX/XXXX  # XXXX XXXX XXXX XXXX # 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, credit repair services, or other personal consumer reports

This account in question shows on my credit report twice with two different names 1. It's shows as XXXX/XXXX  account # XXXX it shows up close 2. XXXX has this same account open XXXX both accounts has a balance of {$460.00} and FCRA states a closed account shouldnt have a balance attached to it also XXXX has this account closed and Equifax has this same account open witch is a inaccurate and should be removed the FCRA states that all inaccurate accounts should be removed
Product: Debt collection

TH Professional put XXXX collections on my Credit Report and when I called to ask why they said some new debts came through. I stated that I had not received a bill so why are they putting collections in my Credit report. They said they would send me copies of the debt. I received a letter from them indicating the amounts they said I owed but there was no date of service and no patient name. I did not receive a notice of right to dispute in the letter - so I sent them one back disputing the debt and asking for additional information ( i.e. dates of service and patient name ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative information appeared on my credit reports. I checked into it and found that a collection agency named Southwest Recovery Service reported the negative information. XXXX XXXX  XXXX was the original creditor. I have never received any information on this delinquent account and when I called the collection agency, they made the issue even more confusing. I have now been informed that the debt relates to XXXX XXXX XXXX. This is my XXXX and I am responsible for the debts of this entity. However, my complaint is, why was I not informed of such a debt? why was I not given the opportunity to dispute it or pay it before it went to the credit agencies? I have requested a copy of the contract and all collections efforts made by Southwest or XXXX with no success. Under the fair debt collections act, I'm have certain rights and I need to verify this was not a fraud account before I pay it. Why are people so rude at Southwest when I am just trying to clarify an issue that affected my credit? 
I am requesting all documentation related to the debt in question, including the original contract with my signature where I agree to receive goods or services from XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Received two emails in XXXX from Marcus ( affiliate of Goldman ) which stated they transferred servicing of two loans I had with Marcus to XXXX and XXXX XXXX. Emails advised that there would be a new email with new account information from XXXX and XXXX XXXX - nothing received either by XX/XX/XXXX ( as originally stated in first email ) or by XX/XX/XXXX ( stated in second email ). I no longer have access to see what my balances are or a method of making payments. Representative of Marcus stated in phone call that automatic debit would continue ( WITHOUT MY AUTHORIZATION OR MY ABILITY TO CHECK OR MODIFY ANYTHING ). Information publicly available is that XXXX and XXXX website is unsecure and does not even have a security certificate with XXXX. I have no way to see what is going on and calls to Marcus are automatically directed to XXXX and XXXX XXXX and I have been cut off from automatic holds three times in a row.
Product: Student loan

I have been paying more that my actual monthly payment to Nelnet for years as I was trying to see if I could pay my student loan in 10 years. I would call and they would tell me that it would be applied to principal. Since I have it set up automatically I just call in to make sure that my over payments are applied and they always would tell me that yes they are being applied and that I was making inroads to paying off my student loan debt. 
After looking at my statements and seeing that I am now paid up until XXXX of next year I decided to call again to make sure that my payments were applied to principal and the CSR that I talked to said that they could n't so I asked to talk to a manager or supervisor. Again a supervisor by the name of XXXX ID XXXX told me that I was making inroads as he that I was way ahead with my over payment but that he could not apply my over payments to principal. So then, I asked him I have already been paying for 10 years on my 20 year note and can you tell me how much longer I have to zero out my student loan debt? And he told me that I had 10 years left. And that is not right as I along with a whole bunch of consumers out there are being had. They need to put a stop to this kind of preying on innocent consumer that think nothing wrong of them until we look at our lenders more closely. 

Please assist me in making a wrong right as we have way too many scrupulous business out there. And we certainly do n't need this additional burden on students that are coming out of colleges and universities and are already carrying a big load of student loan debt.
Product: Credit reporting or other personal consumer reports

As of right now the following the companies are reporting income to the three top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, Resurgent Capital Services XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Lending Club Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
Product: Checking or savings account

2 days ago Truist decided to without warning place a XXXX on my account locking me out of my funds without warning because of suspicious activity relative to purchasing crypto, The service in question " XXXX  '' is compliant with XXXXXXXX XXXX XXXX XXXX. I now have no access to my funds, I am XXXX XXXX and have a family of XXXX people and Truist decided to cut us off without warning to investigate XXXX. I went to the branch with my ID as directed by Truist on the phone and they could not help me. After researching online I see this is a regular practice. I was not given any updates and the representative from the offshore call center could give me no timelines or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a dispute with XXXX  with one company called XXXX 's that was supposed to be in a listed in chapter XXXX case with it being discharge date XX/XX/XXXX and I noticed that it was reopen up till past that year like it was in use XX/XX/XXXX-XX/XX/XXXX. XXXX  did and investigation for quite some time then about received a letter and on line through my email XXXX that removed the 3 XXXX 's that were on bankruptcy were totally deleted from my credit report but today I notice today XX/XX/XXXX I went and checked in the inquiries and that it is still listed on my credit report, so I was falsely was mislead saying it was completely off my credit report completely. I want to do what ever you can do to do to make this up to me. Heres a copy of that inquiry XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.