23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had financial issues due to health issues and our parents ' death in the past two years, I became very ill as well as my wife had XXXX  several times. The last death was my mother-in-law XX/XX/XXXX. 

Hence we filed a XXXX  XXXX in XXXX. In XXXX of XXXX, we received a Discharge and believed to be current. In XXXX of XXXX, Mr. Cooper, our servicer, did not accept our payment and the representative advised that we were in foreclosure status. We reached out to our XXXX Attorney, and then also received a trustee sale without receiving a NOD, nor certified documentation. I found out when I called the bank post XXXX Discharge that we were owed $ XXXX at first, then approximately $ XXXX, and then now it is $ XXXX. Please note that when we called the bank, we asked for amounts in arrears, and were told 2 months at this point in XXXX of XXXX. 

Our payment is approximately {$4800.00}, which includes Principal, Interest, Taxes, and insurance. The XXXX includes added property taxes. When I disputed the property taxes with the representative from Mr. Cooper, she advised that after the payments were cured, the adjustments would be made. How does this make sense? 

After thoroughly going through Mr. Cooper 's payment history and our bank statements and correspondence we had an estimated Balance of {$79000.00}. Please note that this amount does not include approximately {$37000.00} that was paid through the XXXX, therefore that would bring the balance approximately to {$42000.00} plus bank fees. We would be able to pay that amount immediately. They need to fully research this and postpone our sale date. In addition, we asked for more time as we would be selling our parents ' home to pay the arrears when we believed it to be $ XXXX to save our home from foreclosure. 

At this time we request that the bank prepare an audit of our account and give us a true amount and not an amount without crediting the Trustee amount of $ XXXX, in addition to the amount added for Property tax and Insurance that is added to the amount that is paid via our {$4800.00} payment and other garbage fees. 

We appreciate your assistance in this urgent matter, as we do not want to lose our home at this juncture in our lives after living here for XXXX and a half years. We are no longer under XXXX protection.
Product: Checking or savings account

Deposited a XXXX settlement check on Sat XX/XX/19 at XXXX XXXX  CST at the Bank of america atm at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX originally said funds would be available to cover transactions on XX/XX/19 and available XX/XX/19 for withdrawl or debit card usage. Then Bank placed a hold on check till XX/XX/19 at XXXX XXXX  called bank of america and they explained they were unable to verify the check at time of deposit and would have to collect thru federal reserve and that was the date and time that the federal reserve said funds would be available and they could not release funds no matter what till that date and time because of federal reserve. I talked with federal reserve and they stated they do not hold funds for banks or give time frames to banks when funds would be available. Several transactions have been returned by bank since deposit and I have being charged an overdraft fee for each returned item when they have the funds
Product: Credit reporting or other personal consumer reports

In 2023 I found that I had a bankruptcy on my credit report with TransUnion credit reporting agency which was hindering e from purchasing a home. I disputed the accuracies of the information and they sent a letting stating it is verified accurate I reached out to the court that is list on the information in my credit file and they sent a letter stating that they have not and do not provide any information to anyone pertains when it comes to this particular issue so I asked TransUnion how did they verify the accuracy of the information they said the court verified he information as accurate when I sent them the letter from the court they responded by saying it has been verified by the court. This also creates an issue with the rules for credit reporting which is who is the creditor that made the report to the credit reporting agency? This falls under the FCRA because it is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance XXXX {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX did not charge my 3rd insurance and sent me to collections without collecting from insurance. I have contacted them multiple times. Medicredit is reporting the debt to my credit and it is incorrectbecause it wa=s never charged to 3rd insurance.
Product: Checking or savings account

Today I woke up and tried to log in to my Bank of America 's online banking and I couldn't, so I called the bank and they told me that my access was blocked and they were closing my account. 

I have had a relationship with this bank since 2015. I had 2 business accounts ( savings and checkings for both of them ) and my personal account and they closed them without notice ... 

They had my phone number, email address, and my physical address but they didn't contact me, I had to call them to find out what was going on.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX  which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX 's XXXX XXXX XXXX XXXX. defines Verification as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ; XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will instigate this item for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Debt collection

This has been going on for over six years. I successfully get this removed from my credit report. Then 5,6 or 7 months later it returns. 
A practice I have learned is known as rebirthing. It appears with a new date as well have the biggest impact on my credit report. Dynamic Recovery Solutions is the current perpetrator of this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit reporting agencies ; XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX Equifax, XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.
Product: Credit card or prepaid card

On XX/XX/19 I called the customer service number on the back of my card and on my billing statement. I went through the automated system, followed all of the prompts as directed. A foreign speaking representative answered, asked the same questions asked in the automated system, and transferred me to another agent stating she could not handle business accounts ( despite the fact that I had called the number listed on both the card and the statement ). Another agent answered and asked the same questions. I was having great difficulty understanding her and asked to speak with an English speaker. She told me that was not possible. I requested to speak with someone in the United States. I was again told that was not possible. I was unable to get any assistance due to the language barrier. I was calling again to inquire about charges on my account that were invalid and to inquire about service fees. I attempted to use the online portal as well as the app. Neither of these were operational, even after resetting my account and rebooting my computer. The " contact '' option on the app was loading for several minutes, in spite of being connected to my XXXX XXXX  high speed internet. The app simply was not working at all and I was only able to get the same phone numbers I had been calling without success. This is not the first time I have had great difficulty getting information about my account. I still have open questions about an unauthorized charge on my account and fees that were charged by the company. I can and will cancel the card to avoid this in the future however I really need assistance getting in touch with someone who speaks English to remedy this prior to cancelling. Thank you for your help.
Product: Credit card or prepaid card

I tried to complete my payment on several occasion over the phone unfourtunaly my job XXXX make me very dificlt to attend to the branch, PNC happen to acquire BBVA bank and the transition process has been horrible, I havent received my debit card or my credit card in the mail, I have tried several atempts to get it to my address, last atempt today they make an appointment at XXXX at a branch that only friday closes at XXXX, I tried to pay with my debit card over the phone calling the branch and been directed several times to the costumer service, costumer service pass me to credit card care department and they are not able to receive my payment with a debit card, they said their system dont allow them to receive a debit card payment, I receive the same response from costumer service one time one costumer service told me to doit in the website of PNC or with the mobile phone banking in the phone and follow his instruction they are not able. 
This been a horrible experience, now they posted a late payment in my credit report with a drop of XXXX point in my credit report. I called again costumer service in a recorded line and I am now able to pay. I will need to loose a day wage in order to go and make a payment and now my credit its been affected in a irreparable way. On top of this its almost XXXX min for everytime to talk to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX First Progress removed a charge off account from my XXXX credit report after I disputed it. On XX/XX/XXXX I made the full payment for the remaining balance of {$140.00}. On Monday, XX/XX/XXXX First Progress added a charge off account to my XXXX credit report and marked it paid closed collection/charge off. This is absolutely illegal for them to do and very unethical. Im requesting this account be removed in total from all 3 of my credit reports! Not only has this affected my score but added a negative reporting to my credit. This account was NEVER in collections and wasnt sold to a third party agency.
Product: Credit card or prepaid card

I bought something off XXXX on XX/XX/19 XXXX is in the USA This company charge {$.00} on XX/XX/19 They said that the seller was overseas and visa charged this to convert the currency. 
XXXX said that they do all the converting. 

On XX/XX/19 they charged {$2.00} in interest This credit card has a no interest introductory offer until XX/XX/19 They said it was because of a XXXX XXXX   transaction done XX/XX/19 and that they can charge interest on that. 

I was told if I paid at least the XXXX XXXX transaction amount plus the minimum due that it would be no more interest charges I paid over the amount stated Then on XX/XX/19 they charged another {$2.00} I could get a satisfactory answer on why
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681 there should not be any damages on my credit report thats a deformation to my character and is hindering my daily living with my children. I am not able to survive without a house and a car for me and my children. Ive tried getting assents but the credit reporting is stopping me from achieving that
Product: Credit reporting or other personal consumer reports

The credit bureau changes my credit score 3-4 times a month. This action has resulted in a very low credit score and has caused my credit cards to close the accounts on me because of my constant change in credit score.
Product: Debt collection

I am filing this complaint against Synchrony Bank regarding an unjust {$4000.00} overcharge on my Care Credit account for a single procedure at XXXX XXXX XXXX. I have requested supporting documents to be sent to my current mailing address, but Synchrony has failed to provide them, repeatedly. These documents should clarify how the charge was applied and validate the extra amount billed. When I requested these documents, Synchrony denied my claims, giving no valid reason just that it was denied. Sychrony has failed to allege or prove that the charge was not related to false advertising or fraud, but I have provided supporting advertisements that clearly indicate the price was reduced with the phrase " lowest price of the year, '' which based on my research and the testimony of others, I was overcharged for services I received. I have requested multiple times that all communication to me be in writing and not a secure link, Synchrony has failed to honor this despite me changing this setting personally and talking to a representative to ensure it is honored. Both of which I have proof. Yet I receive no paper documents for billing or communications. 

Failure to Provide Supporting Documents : Despite my repeated requests, I have not received any of the supporting documents that supposedly substantiate the extra {$4000.00} charge applied to my Care Credit account. I specifically requested these documents be sent to my current address. Synchrony has failed to comply with this request and has not provided evidence of the signed agreement or terms that justify this additional charge. 

False Advertising/Fraud : The advertisement I was provided clearly states that the price was reduced to the " lowest price of the year. '' This statement should have reflected the price I was charged, yet I was overcharged by approximately {$4000.00}. I believe this could be a violation of false advertising and fraudulent practices as the promotional pricing was not honored. 

Failure to Comply with Communication Preferences : I updated my account settings to specify that all communications from Synchrony must be conducted in writing. Despite this request, Synchrony has continued to contact me by phone and has not complied with my preference for written communication. This failure to adhere to my preferences has made it difficult for me to address the issue effectively. 

Failure to Provide Documentation for Overcharge : I have made several attempts to resolve this matter by contacting customer service and requesting copies of the documents related to the {$4000.00} overcharge, including the signed agreement for the additional charge. Synchrony has yet to provide these documents or offer a satisfactory explanation for the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls with no one on the other line daily from this company CBE group.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

XXXX  XXXX XXXX is NOT reporting the current and updated address to all credit bureaus.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX