23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit. I identified a discrepancy with an account listed under Affrim Inc and validation was requested as this was an account I didnt recognize. I reviewed my credit report again XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor 2nd validation letter was sent out on that day. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the access nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
Product: Checking or savings account

on XX/XX/XXXX {$90.00} on XX/XX/XXXX {$78.00}, {$130.00}, {$140.00}. I called the bank and reported these unauthorized charges, the bank refunded the money to the checking account and am waiting for a new debit card in the mail. also bank has a fraud claim on these charges. today XX/XX/XXXX I checked my account by phone and now there are XXXX more unauthorized charges done on XX/XX/XXXX for XXXX and {$300.00} from XXXX  XXXX bank, so once again I contacted my bank and had to file another fraudulent claim. so now I was advised to make a stop payment on future charges but now I wonder if that will be for all my charges. the bank thats making these automatic payments is the pnc bank
Product: Credit card or prepaid card

We enrolled in automatic payments with Macys several years ago. The payments are automatically processed through their system and taken directly out of our checking account. We discovered that Macys was taking our payment out 1 day after the payment dates, and then charging us a {$40.00} late fee every month. We attempted to get them to correct this error and they were only willing to credit back 3 months of the fee. Additionally, they did not take out automatic payments for two months, they can not explain why this happened, but they reported it on our credit report as being 60 days late, then magically started taking automatic payments out again. They have refused to correct this on our credit report saying it was our error, yet they are not able to provide us with anything that shows why the automatic payments stopped.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXXXXXX XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX - Balance : {$8700.00} XXXX XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX - Balance : {$2800.00} XXXX XXXX # XXXX - Balance : {$63000.00} XXXX XXXX # XXXX - Balance : {$63000.00} Unauthorized Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in JULY to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. LEAD BANK never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

On XX/XX/2024, I opened an account with XXXXXXXX XXXX XXXXXXXX, serviced by Synchrony Bank. 
I am not sure when the first payment was due because I never received a bill, but on XX/XX/2024, a {$30.00} late fee was incurred because a payment had not been made on time. On XX/XX/2024, I made a {$200.00} payment to cover XXXX and XXXX. On XX/XX/2024, a {$30.00} returned payment fee was incurred. On XX/XX/2024, I called customer service, they stated I placed a stop payment with my credit union, which I did not, but the {$30.00} late payment fee would be removed. I called my credit union and was told no request for payment was ever received from Synchrony Bank. The issue, as it was explained to me, is at their end, my banking information needs to be erased and manually entered by them. ( This apparently happens often ) I phoned customer service, spoke with XXXX, she erased my banking information, and I was told to re-enter it on the website, which I did. 
XX/XX/XXXX, I re-entered my banking information and made another {$200.00} payment. On XX/XX/2024, I was charged another {$30.00} for a returned payment. My payment was returned again! I received a voicemail on XX/XX/2024, from Synchrony Bank requesting a call back, this prompted me to check my account, that is how I found out the payment had been returned again. I immediately called customer service, but now I am flagged as being delinquent, so I am diverted to collections. I finally got transferred to customer service, spoke with XXXX, and they don't even want to try to fix the issue on their end. Seems they would rather continue piling on the {$30.00} fees ( which is more than my interest, they are really raking in the big bucks with me, {$60.00} per month! ) They are getting a late fee and a returned payment fee, and the issue is caused by them. Is this racketeering?

I want my late fees and return payment fees reimbursed and the negative report on my credit reports removed. I also want the glitch in Synchrony 's online payment system to be fixed and stop blaming it on me!
Product: Mortgage

I hope you can help me out. I 've been trying to with no avail for the last YEAR to sell a vacant lot that I have a mortgage on with Bay View.But I can not get a clear title from Bayview because of a mistake in the legal description. Bayview has been unresponsive to our request to straighten out this matter.The title company tried to work with Bayview and they would not respond to them. I 've tried numerous times to contact them and talk to them and no one would respond to me.So we hired a lawyer and he 's written numerous letters to Bayview and no one will respond to him either. Bayview is holding up the sale this property by their lack of communicating with us, let alone trying to fix the problem. We could really use some help here because everything we 've we have tried so far has not worked. <P/><P/>The problem is in the legal description of the property. I bought the property 12 years ago with a small cabin on XXXX Lots. Throughout the years we built a XXXX bedroom XXXX on XXXX of the lot and refinance a couple of times to do that.The original mortgage holder ( XXXX XXXX ) would copy and paste the original legal description for the property on all the new loan agreements, thats where the problem is. Even though we broke them up into XXXX separate parcels each with their own separate loan. I need to getclear title for the vacant lot so we can proceed with the sale and pay off that loan.But Bayview lack of  response for OVER A YEAR is unacceptable.I also fell thy are breaking numerous banking laws by their lack of response and their unwillingness to help resolve this matter. <P/>I 'm attaching copies of the letters that were sent to Bayview over the last year, which will help establish a time line and we also had numerous phone calls that led to nowhere!!!!
Product: Debt collection

XXXX pharmacy in XXXX store in XXXX XXXX submitted approval for prescriptions to my previous insurance carrier, not current. They XXXX XXXX approved it in error, I paid my co-pay and had no idea until I got a collection letter to reimburse them. Called them and said they need to talk to the pharmacy, they and you made the mistake, I was hung up on. I called the pharmacy and was told they would not fix their mistake, but rather I would need to submit a claim to the correct insurance carrier. They gave me print outs of the labels for the prescriptions and sent a completed claim form to XXXX XXXX. XXXX XXXX has never responded, other than rejecting the claim form saying it didn't have all the information from the pharmacy label. I sent it in to them twice. I also advised XXXX XXXX that a claim for had been submitted. I was told that was all I needed to do. I have not received the reimbursement from XXXX XXXX and now XXXX XXXX has turned this over to XXXX XXXX for collections. The pharmacy won't help and no one at either insurance carrier will work it out between them. This is not my debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX  XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$51.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last XXXX years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Product: Mortgage

On XX/XX/2024 XXXX C/O PHH Mortgage Services issued and Approval of Discounted Payoff Settlement with an expiration date of XX/XX/2024. We have been and still are in contract to sell to an unrelated party. There was a title issue that could not be resolved the day of closing, XX/XX/2024 which postponed the closing. We requested the servicer allow for a short extension to allow the title issue to be resolved, which is resolved as of this complaint. PHHXXXX denied the extension and the buyer is clear to close, ready willing and able to complete the transaction. We are disheartened that after all we have gone through to cooperatively work with the servicer, that they would deny the extension to allow a small window of XXXX days so that the closing could be coordinated with attorneys of the buyer, myself and the title company. My wife and I are in our XXXX 's and have both filed and pay trustee payments toward a XXXX  XXXX bankruptcy. We simply don't understand why the servicer will not agree to finally allow us to complete the sale and move on with our lives. It's now inevitable without the servicer 's approval, to prevent an auction.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX 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: Mortgage

XXXX XXXX transferred my mortgage to Shell Point while XXXX was processing a modification. Whatever is owed goes to the end of the loan, {$1400.00} to be paid then {$610.00} a month. XXXX told me that they sent the information to Shell Point and Shell Point wont give me any information. They say theyre working on it? It was already completed and offered to me by XXXX before XX/XX/XXXX. Also the loan information is wrong. They have XXXX as my mortgage owner. XXXX was an equity loan that I had years ago and was written off as unsecured through XXXX  XXXX in XXXX. I finished the bankruptcy in XXXX and it was closed. In XXXX through bankruptcy lawyers, judge and treasurer I had XXXX and owed $ XXXX. $ XXXX was paid through out the bankruptcy from XXXX to XX/XX/XXXX. And payments resumed by me since which is XXXX more years of payments that I made. ( $ XXXX )? $ XXXX owed? The last owner of the mortgage was XXXX XXXX when in the bankruptcy and the servicer was XXXX XXXX XXXX. I had many many problems with them! They sold it to XXXX XXXX soon after the bankruptcy. Its saying that I owe around $ XXXX on the loan? Looking at the maturity date it says XXXX which is 12 years. I dont know what to do? I cant afford a lawyer. I just want things all corrected and make payments on our home and not be bamboozled. Please help? Ill send any information that you need. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To CFPB, I have tried to work this out with XXXX, XXXX, and Transunion in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. I was also affected by the XXXX XXXX XXXX 

My name is : XXXX XXXX My XXXX and only address : XXXX XXXX XXXX XXXX XXXX IL, XXXX My only phone number is XXXX I demand that they remove the inaccurate, irrelevant, and outdated addresses from my credit report and also remove all misspelled names. 

Unauthorized credit pulls can significantly impact my credit report score. They also raise concerns about privacy and compliance with consumer protection laws. In some cases unauthorized is fraud. 

Can you send a copy to each CRA named above? 
XXXX, XXXX, and Transunion. I have attached a copy of my proof Thank you, XXXX XXXX
Product: Mortgage

Got a call from XXXX who takes care of customer complaints. Said everything was going to be figured out, it wasnt. They still have yet to send the paperwork for me to sign. Now im being referred to Foreclosure and cant even make my monthly payments. This has been going on for the last year. This is absolutely unacceptable and ridiculous.
Product: Mortgage

A man from New Day Financial named XXXX XXXX called me directly in XXXX. He told me that they have a program for XXXX veterans. He told me they have 2.25 % interest rates on VA loans and they can get me that rate on my loan. I asked what it would cost me and he said it would n't cost me anything at all. I had been in my house for 21 years paying my mortgage and I thought I was almost done paying my mortgage. He did n't tell me anything about refinancing my loan, he just told me my interest rate would lower. I would n't have wanted to refinance because I did n't want to have to pay for another 30 years since I thought I was almost done paying my mortgage. If he had told me it was a refinance, I would not have wanted it. I trusted him because he told me that he stands for veterans and is there to help veterans. He sent me papers to sign and told me I had to sign them very quickly because the interest rate could change any minute. He sent a notary to my house with yellow highlights where I had to sign. The notary told me that he was in a hurry so he rushed me to sign then took the papers with him. He was only at my house for XXXX or 15 minutes and told me he would notarize my and my wife 's signatures later. Then he told me I would get the documents back later. I got a stack of documents but they did n't have my signatures. 

After that I had to pay New Day a higher mortgage payment for 12 months. XXXX XXXX told me that 's how New Day keeps helping veterans by taking payments for 12 months on the loans they make. I made the payments to New Day but I still did n't know I had refinanced. After 12 months they turned my loan over to another servicer XXXX. Now I 've learned that New Day was refinancing my loan, and refinanced it twice in XXXX and XXXX without explaining to me what was happening. 

Now my loan balance is much higher than I thought it was and higher than I thought it should be, and now my mortgage goes all the way until XXXX even though I 've been paying for 25 years. I feel like XXXX XXXX and New Day misled me and got me into a situation that I did n't want. He told me it would n't cost me anything, but it has cost me a lot. And my interest rate is 4 %, not 2.25 % like XXXX XXXX said. 

I have tried contacting XXXX XXXX since XXXX but I have never been able to talk to him again.
Product: Debt collection

I sent a letter to AES letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and AES refuses to delete the fraudulent accounts from my credit report stating in a letter its verified AES provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : Inaccurate Name : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX EMPLOYER : XXXX XXXX Date Updated : XXXX INQUIRY : XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I check XXXX XXXX regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my XXXX report, it showed a inquiry for a mortgage. This was back in XXXX Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.