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

Recently, I did an investigation on my credit report and found an item on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency 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. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) 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 This account is being reported inaccurately, please remove this from my credit report immediately!
Product: Checking or savings account

Wells Fargo wrote me back saying that they were justified in charging my account XXXX times for overdraft fees. This is untrue. All except three of these times they charged my account when I had the money deposited in the account but yet they charged me for a check that came in one or two days later. They would commonly make the date on the check to appear to have come in before my deposit was made, but this would be false. This occurred for the first time with the very first overdraft charge to XXXX & XXXX. They also charged me for this twice. Thus, every charge after this is fraudulent because had I still had the money they falsely deducted from my account, my account would not be overdraft after that. Additionally, they often would charge overdraft fees for online accounts that I had cancelled or never subscribed to simply because the online company attempted to charge my account. These charges were all-around false. Wells Fargo is also saying that they reissued me a check for XXXX XXXX. That is false as well. I never received a reissued check for XXXX XXXX. This is a lie. I expect to be reimbursed all of the XXXX overdraft fees I was charged fraudulently.
Product: Student loan

On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX IS STILL REPORTING THIS ACCOUNT TO MY EQUIFAX REPORT WITH OUT VERIFYING THIS ACCOUNT WITH PROPER AND SIGNED DOCUMENTATIONS BE AWARE THIS COMPANY IS TRICKY AND TRY TO COLLECT MOENY YOU DONY OWN THEM
Product: Credit reporting or other personal consumer reports

Complaint Regarding Unfair Account Closure - Synchrony Bank Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against Synchrony Bank for the unfair closure of my credit card account ending in [ last XXXX digits of account number ]. 

Background : I opened this account in 2022 and have consistently made all payments on time. 
I have never missed a payment on any of my Synchrony Bank accounts, including this one. 
I have an automated payment set up for this account. 
Recently, my salary has increased to {$120000.00} annually. 
Issue : I recently discovered that Synchrony Bank closed my account without prior notification. 
When I contacted customer service, they informed me a closure letter was sent, but I never received it. 
Impact : This unexpected closure is concerning for several reasons : It potentially damages my credit score despite my history of on-time payments. 
I am unsure of the reason for the closure without receiving proper notification. 
Request : I kindly request the CFPB to investigate this matter and urge Synchrony Bank to : Reopen my account if possible. 
Provide a clear explanation for the closure, considering my positive payment history. 
Advise on any steps I can take to minimize the potential damage to my credit score. 
I have attached copies of my recent statements for this account ( if applicable ) as evidence of my on-time payment history. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On Monday, XX/XX/XXXX I received a letter from Phoenix Financial saying that they had been hired to collect a medical debt from me that originated in XXXX. I ignored the letter thinking it was a scam because I applied for XXXX XXXX bankruptcy relief on XX/XX/XXXX and had the bankruptcy discharged in XX/XX/XXXX. Case number XXXX. 
I received notification that Phoenix Financial went ahead and reported a collections account to the credit bureau XXXX on XX/XX/XXXX in the amount of {$1300.00} with the original creditor being reported as XXXX XXXX XXXX. This was reported to XXXX with an open date of XX/XX/XXXX despite the debt originating in XXXX. All debt was discharged in the XXXX XXXX bankruptcy and this debt was not reaffirmed. This company seems to be in violation of the bankruptcy courts order of discharge by attempting to collect on this debt.
Product: Debt collection

Repeated calling about a " business matter. '' Would not give me any information until they collected my name, address, email, social security number, and " confirmed my bank account information. '' They called themselves SIMM Associates. A quick search online brought up multiple accounts of scams from others describing the same experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to create an account with Equifax to no avail and I checked with XXXX XXXX and saw that there is no history of credit but my XXXX  does. Is there any way I can sign up online to view my credit reports or be sent my credit reports? I am in need to see it due to lending purposes. I called and no one was able to help me about this situation. Please assist.
Product: Credit card

I have 2 Master Card credit cards with the bank RBFCU, the personal one and the business one since XXXX and to make the payment of the credit cards I have always done it online by logging into my account with my password and I make the payment on the balance shown by the system in the home page until then there was no problem, because the balance shown on my credit card was true, as was the availability of credit. 
I always made my payments on the balance that the bank 's system showed when entering my accounts and I never had a problem with that before, the value it showed was the value I really owed. No hidden values. 

On XX/XX/XXXX, according to the balance shown by the bank system, I had to pay {$4400.00} to the personal credit card and so I did. But the bank says that I made a mistake in the payment ( which is false because that's how the system showed it and that's what I did ) and they are charging me that same value to my business credit card with interest accumulated from XX/XX/XXXX to date. In addition, this payment generates an overpayment on the personal credit card that the bank should transfer to my business credit card balance. 

Also starting in XX/XX/XXXX, when the bank changed credit card provider, the balance of my credit card that the system shows on the home page is not the real one, it shows a false current balance and credit availability, which led me to accumulate a balance of {$12000.00} which I was not aware of, because according to the bank it says that I must go to another page ( XXXX XXXX ) to see the true balance, which is somewhat illogical because the bank must present the same balance value at any time. place in the system where the client requests the information. 
According to the system balance as of XXXX XX/XX/XXXX, my business credit card debt is {$170.00} with a credit availability of {$14000.00}. 

The bank disputes that it sent me statements but I always paid according to the balance of the system and there were no such problems and now due to their information error in the system I must assume the consequences by paying a large sum of money. So now I am requesting that the bank give me a solution to this since because of them I have accumulated a debt value with interest that I will not be able to pay. 

I attach evidence of : payment made of {$4400.00}, wrong system balances to date that do not match the true balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

1/XXXX  XXXX XXXX, does not show my payments. I have NEVER EVER missed a payment. They got the money did not post it. 

2/I never went to XXXX XXXX XXXX, that was fraud.
Product: Credit card or prepaid card

My Interest Savings Balance is not correct : based on my regular purchases, the monthly due for my XXXX XXXX XXXX purchases, the monthly due for my Special Financing purchases, and my minimum 1 % of my total balance, my Interest Savings Balance should be {$300.00}, not the {$1000.00} Chase has assessed. See attached documentation for details/explanations.
Product: Student loan

In XXXX I was released of ALL my student loans under the public service act according to XXXX. I have a letter stating ALL my loans were satisfied and I owe nothing. In XXXX when my husband died EdFinancial started coming after me for {$9000.00}. I called them and wrote them letters stating all my loans were forgiven in XXXX. They said if I found the letter releasing me of the loans they would leave me alone. I had a fire so it took a couple of months to locate the letter but I did find it finally. They NOW say my loans werent eligible for this forgiveness which is a lie. They are harassing me via email and several letters. They are threatening my credit. They claim I made a {$160.00} pymt which I HAVE NOT! They are stressing me out! I am on a fixed retirement income and can not pay a loan I dont owe! They are getting meaner and more threatening. PLEASE help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice information that's inaccurate and should be removed/deleted.
Product: Debt collection

this loan company me almost 7days a week XXXX times a day. I know i owe them for my debt but harassing me constantly is just starting to upset me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender ran my credit on Friday, XX/XX/2022. In that report XXXX or XXXX shows up on my credit twice. 1 ) As a joint account and 2 ) individual account. The account numbers are the same. The Highest credit amount is incorrect. Please see a copy of my credit report pulled by lender. I have also included a copy of my Transunion account which was pulled Friday, XX/XX/2022. This must corrected before my lender will approve me.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the response from the credit reporting agencies regarding the investigation of these accounts, which they claim came back as verified. However, this assertion baffles me, as my credit report still contains multiple inaccuracies. 

As a conscientious consumer, I have the right to understand the thoroughness of the verification process conducted by your agency, as stipulated under 15 U.S.C 1681i ( 7 ) Method of Verification. I demand a detailed account of every step taken to ensure the 100 % accuracy of these disputed items.

It is unacceptable that despite these purported investigations, my credit report continues to reflect discrepancies. I urge your agency to rectify these errors promptly and provide me with the comprehensive documentation I am entitled to under the law.
Product: Mortgage

I spoke with Select Port Folio, XXXX XXXX Loss Mitigation today XX/XX/2019 about my mortgage assistance application. I was informed that they have not reviewed the mortgage assistance application or financials because the foreclosure sale date is less than 30 days Foreclosure sale date is XX/XX/2019.it is more than 30 days before the sale date Select Port Folio is not willing to assist me with keeping my home or review my documents. I have not received a denial letter for my recent application but I did resubmit the mortgage assistance request again today with financials. 

I need Help I don't want to lose my home Thank you
Product: Mortgage

Paid check XXXX XXXX in the amount of {$7000.00} dated XX/XX/2023 the check was returned. 
It clearly stated the loan address of XXXX XXXX XXXX ; loan account number XXXX. 

Also, other payments have been misapplied as well.
Product: Credit card or prepaid card

I worked with the Chime Bank company two set up two direct deposits with the company I worked for. They have not helped or assisted me to get my funds. This company 's customer service is bad. They barely speak any XXXX. Would you please help me with the problems they have given me. Your help is appreciated in this situation. 

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

I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed some inaccurate accounts reporting, please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good  Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to fraudulent investment firm ( XXXX ).
Product: Credit card

I received a cash app visit card in my maiden name XXXX XXXX. There is no I formation to speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a collection from orig creditor XXXX XXXX which has used 5 different collection agencies to collect an invalid debt for acct # XXXX in the amount of {$290.00} for which the acct was pd in full & equipment returned when I closed it back in XXXX just before my move to California. It was 1st listed by XXXX XXXX XXXX listings totaling amount above which I disputed & provided the docs showing the balance was paid in full along with equip return and the file was deleted from my report so being that this was resolved I shredded the file. To my surprise in XXXX they listed with yet another collection agency XXXX and again with XXXX XXXX which I disputed again stating this was a collection that was previously deleted from my report and finally deleted from report again now in XXXX they have managed to use another collection agency called XXXX to list this same invalid collection account for which I disputed again but being that I could not provide them with the receipts originally provided back in XXXX they claim that the debt is valid- this is ridiculous the amount of time I have wasted disputing an invalid debt for which proof was provided and has been taken off my report more than 3 times yet they get away with listing this again. Please help!
Product: Checking or savings account

On XX/XX/2022 I called about charges that was on my account after the services was canceled. My dispute started on XXXX XXXX when I signed the dispute form. On Thursday XX/XX/2022 XXXX from the dispute/fraud department called me interrogating me and threatening charges that I didnt do. Even though she had all my documentation. It is now XX/XX/2022 I havent seen my credit at all to my account and I been sent over documents to support my claim on MULTIPLE DAYS. XXXX seem to be XXXX and accusing me off things SHE THOUGHT. I would like higher up to listen into that call. But under the regulation E it states my provisional credit should be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and XXXX  and Equifax. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX  XXXX  EQUIFAX FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX
Product: Debt collection

On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.