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

On XX/XX/2023, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect information.
Product: Student loan

I was contacted via phone call about getting my loans forgiven. I believe this was a fraudulent call. The call was specifically about repaying XXXX loans and then consolidating the rest. The fee for it was {$700.00}.
Product: Bank account or service

I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.
Product: Credit card or prepaid card

My paidamic unemployment benefits Bank of America edd card was being use with out my knowledge I have been a victim of identity theif for years so when I d found out I contacted them filed a dispute turned in numbers of police reports identify theif report with the federal trade commission and since XXXX Im still loseing my claims they are not telling me why after everything things whats going on
Product: Debt collection

On XX/XX/2022, I called synchrony bank to make a payment for my credit card. The payment was authorized & I received a confirmation number. A month later I received an update on my credit score indicating a significant decrease in my score. This is false i called in to make a payment.
Product: Mortgage

Dear CFPB, I have contacted Shellpoint Mortgage multiple times since XXXX XXXX requesting PMI to be removed from my loan. I have paid down my mortgage to 78 % of the original loan as of XX/XX/XXXXXXXX. Shellpoint Mortgage is legally obligated to cancel my PMI at my request because my loan has satisfied all requirements. Please reference the Homeowners Protection Act of 1998, Section III,  part B on page 3 ( https : //www.federalreserve.gov/boarddocs/caletters/2004/0405/CA04-5Attach1.pdf ). Shellpoint Mortgage has continually given me the run around. First they stated I needed to pay for an appraisal which is false because my loan to value ( LTV ratio ) has reached 78 %. If it was 80 %, an appraisal could be required. Then they confirmed they would remove PMI, but they never followed through on that promise. When I called in the Winter after noticing I was still being charged, they told me PMI was paid in arrears and assured me it was coming off. Now, their latest excuse is saying that my property is currently located within a declared disaster area and again requesting me to pay for an appraisal. The only possible disaster they could be referencing is Covid-19. First of all, I requested PMI to be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX long before Covid-19. Secondly, Covid-19 has nothing to do with the issue at hand. I have called their phone number and you can only speak to customer service representatives that are not educated to handle this situation and they are not able to connect me to anyone who can. All I can do is continue to email them, but I have zero faith they are going to honor what they are supposed to by Federal Law. This is the last opportunity Im giving Shellpoint Mortgage to rectify the situation prior to taking legal action.
Product: Mortgage

NavyFederal mortgage loan process. 

1. Communication - from the get go no clear communication was established to let me know what step of the loan I was at. Every time I emailed the Loan officer and/or processor, I have had to call the main NavyFCU number get routed to mortgage department then see if they can put me through and send in an " Urgent '' message to them and their superivsor. This is the only way I have gotten responses.

2. Document portal - The fustrating this is that hey have 3 different portals and seems to me like they do not share information with each other or they do not have access to these different portal documents. I submitted documents for my loan closing ( which has been extended 3 times ) in which they said they never received documents, but in fact were uploaded 3 weeks prior to the first closing date and I screenshot the documents.

3. Customer Service - Very incompetent loan processor. From the first extension did she not mention one part on where to upload the document if she couldnt see them. I also emailed them to the loan processors email directly and yet she kept asking me for the same documentation. Very fustrating.

My last time with Navy Federal period. I will be transferring all my assets and refinancing after a year to another bank. No more business from me. Period. Im still waiting on the fourth extension of the closing date on my loan to close on the house ...
Product: Debt collection

Mitchel D. Bluhm & Associates LLC send me a letter to pay medical bill which I have to pay to them ( service date XX/XX/XXXX ). With no explanation of service and why I have to pay them. Letter received ( XX/XX/XXXX ). 
All my madical bills from this day and all services what been provided this day was transferred to XXXX collecting company. I pay monthly my debt to XXXX for couple years. And based on a mount which shown on my account they didnt sell my debt and do not transfer it to someone. 
I dont know where Mitchel D. Bluhm & Associates LLC got this debt. Why they sand me letter that I owe them money. I think it is scam.
Product: Credit card

I opened a Rooms-To-Go Synchrony card for {$1800.00} and signed a contract for 60 months interest free. The interest free was to last from XXXX of XXXX to XXXX of XXXX which Synchrony confirmed was correct today on the phone. Twice ( at least a year a part ) I have checked my statement and realized I was getting charged interest each month. The 1st time sometime in early XXXX I called and they said it was a system error and they would correct the account. I checked my account today XX/XX/XXXX and they have begun charging interest again as far back as XXXX of XXXX ( which is as far as my online statements will show ). It is unfair to have a 0 % interest contract for 60 months and be charged interest at 34.99 % when I have never missed a payment and was never notified of any changes to the original contract. Also Synchrony said it would take 30-60 days to reflect the changes to my statement/account which I think is incredibly too long of a waiting period to correct an issue that was internal and not my fault.
Product: Credit card

I have always paid this account on time, ensuring it never goes overdue. I'm not clear on why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors must be corrected.
Product: Credit reporting or other personal consumer reports

To date, I have not received any written notice from the JPMCB regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). This initial written notice is crucial as it provides me with essential information, including the amount of the debt, the name of the creditor, and my rights to dispute the debt. 

According to the FDCPA, I am to receive written notice within five days of their initial contact with the consumer. Since I have not received such notice, I have not had a fair opportunity to review the details of the debt and respond accordingly. 

Therefore, if JPMCB records indicate that attempts have been made to contact me regarding this matter, I need to receive proof of such attempts. 

Please also consider this letter a request to remove any negative reporting related to this debt from my credit files until such proof has been provided. 

XXXX XXXX
Product: Credit card

I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
Product: Vehicle loan or lease

I recently moved from NJ to FL. I have been trying to get BB & T and now Truist bank to send my title over to the XXXX so that my car can be registered. I have faxed the document over 7 times and the XXXX  has twice as well. Every time I call to check its over an hour wait and they tell me they did not receive it. Today they did send me a copy of my title but are refusing to release the original to FL or to send a letter on letterhead that FL needs per FL statute. My homestead is now in jeopardy because of this issue. I either need them to release my original title to FL XXXX  so it can be changed to a FL title or send them the letter on letterhead advising that they have a current lien on the car with the make model year and VIN number of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Checking or savings account

I have called the bank several times, i went into the bank. I thought it was cleared up until I got this letter OF DEPOSIT : AMOUNT OF ITEM : CHECK NUMBER : XX/XX/XXXX XXXX At TD Bank we are committed to protecting your accounts. We are writing to let you know we have delayed availability of funds from your deposit as account information indicates that the check may not be pald. 
Although we try our best to make sure your funds are available as soon as possible, sometimes we need to hold on a deposit ( s ). Rest assured, your funds will be available no later than six business days after the dep made, unless we are notified of a returned check. 
If you did not receive a delayed availability notice at the time of the deposit and your check was paid, we will any overdraft or returned check fees as a result of the additional delay in the avallability of your funds. To ob refund of any fees incurred if the deposited check has been pald, please contact your local TD Bank. 
We are here for you We are sorry for the inconvenience, and appreciate your patience. If you have any questions, please call us anytime at XXXX Sincerely, TD Bank Fraud Operations My tenant has paid me since the fall of XXXX no problems. In XXXX TD held the check from XX/XX/XXXX until XX/XX/XXXX. Even though my check was cleared through the tenants account on XX/XX/XXXX and I had enough to cover the check in my account. 
In XXXX the tenants check was put on hold again. We went into the branch and they lifted the hold and then today we got this letter. Once again cleared in tenants account and we have plenty to cover the check. This is abuse of their power and control.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX  XXXX XXXX XXXX Transunion XXXX XX/XX/20 XXXX XXXX XXXX XXXX ( & XX/XX/20 XXXX ) Transunion XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Product: Credit reporting or other personal consumer reports

All credit bureaus are reporting incorrect negative information. All accounts are paid never late. Wells Fargo Bank should be removed. No company responded to 605 623 letters.
Product: Debt collection

I have an account on my credit from XXXX # XXXX in the amount of {$970.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit card

I took out a credit card with XXXX XXXX, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in XXXX ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by XXXX. when I asked the attorney representing them where and how was this balance transfer was done, he was unable to provide me with more info. never was I ever told this this was not the item that I had continuously fought them. in the recordings I was never informed of this " balance '' transfer to have requested proof of how this was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non XXXX credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this. 
my name is : XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX CA XXXX, cell : XXXX. portfolio recovery assc llc accnt # XXXX email : XXXXXXXXXXXX
Product: Credit card or prepaid card

Cash app is not letting me access one of my accounts someone locked me out of my account and they are dening me access to my funds that are on my name I tried today to fix this with them and they will not fix it I want my funds out of there over XXXX XXXX in that account my ss is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the  investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Product: Credit card

All four of my credit card accounts from Capital Oner were closed without prior notice or reason. I've been a member with them for over 20 years with on-time consistent payments. I requested information as to why my accounts were closed and they just said I violated the agreement with no further details as to what was done. When I called to speak with a supervisor as to what happened and request an account closure appeal because it's less than 30 days, the supervisor hung the phone up on me.
Product: Consumer Loan

On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!
Product: Credit reporting

After canceling my service With XXXX attempted to pad my bill with false charges. Bill went from $XXXX to almost $XXXX. I was told at XXXX I had to pay an early termination fee but I reminded them that I was not under contract for over XXXX years or more. After months they finally corrected my bill and I paid them in XX/XX/2011. They call themselves making a settlement after high jacking my bill for much more than it was suppose to be. Never could explain what the extra charges was for. Never sent a paper bill at all only a letter stating what they would settle for in a full payment, which was still more than my last bill should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 capital one accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts. 

Account XXXX : XXXX  shows XXXX  Current/paid, updated XX/XX/XXXX XXXX XXXX  shows XXXX  derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account XXXX : XXXX shows XXXX Current/paid, updated XX/XX/XXXX XXXX XXXX shows XXXX Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, Capital One is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Product: Credit card or prepaid card

I purchased two Vanilla Visa Gift cards equaling to the amount of XXXX. The same day I gave them to my daughter for her birthday the XXXX was depleted, then the following day the XXXX was as well. Have reported the fraudulent transactions and there was a hold put on the card. I have filed a dispute, now waiting.. These cards werent tampered with, when I purchased them so Im really confused as to how anyone was able to get ahold of the card info.
Product: Credit reporting or other personal consumer reports

There is an issue with my Equifax credit report and score appearing on XXXX, XXXX and other credit monitoring sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither Experian or XXXX  XXXX XXXX want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. Experian and XXXX  XXXX XXXX refuse to remove this fraudulent account from my Experian credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.
Product: Debt collection

XXXX XXXX XXXX has harassed me over me account that they purchased originally from some company I have never opened a credit card with and have no knowledge of the account with The XXXX XXXX XXXX ( XXXX ) account ending in XXXX from Ally bank. 
I have told them I was a victim of identity theft and fraud and this account was a result of identity theft due to the 2017 XXXX data breach and have provided them with ample evidence and proof in regards to the matter that I have suffered from identity theft. In which I am working with the XXXX XXXX XXXX provided by XXXX to help with this matter as well. I have disputed this matter several times with them and have even requested all the documents and evidence be provided to me under the Notice to Furnish with XXXX XXXX never responding or providing me with any sort of documentation as I have requested. I disputed this matter and they claim to have never received any disputes however it shows on my credit report that I they have received the dispute. Yet they fail to provide me with any sort of documentation proving that it was my signatures or anything else in regards to this account. Im completely fed up with playing this game with this company and I see why theyve been sued so many times.