23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have been enrolled in electronic billing with Synchrony for my XXXX XXXX XXXX card for several years now. For the second time this year I did not receive the email statement. This first occurred in XX/XX/2024 and I incurred interest and a late fee of {$30.00} dollars. When I called I was told that the email had been undeliverable per their records, but they had made no attempt to contact me. The fees were reversed. Just yesterday I got a text reminding me about a payment due. I had not received and emailed statement and this was the first time I have ever gotten a text message from Synchrony about a credit card payment. On investigation ( checking email accounts, spam and trash folders, checking my text trash ) I discovered I had not gotten any notice of payment due for the month of XXXX. Upon calling today I was told the email was sent and confirmed my email address and that the fees could not be reversed since it had already been done once this year. Furthermore, it would cost me {$1.00} a month to get paper statements, even though they can not manage to get the electronic statements to me. I have another credit card through Synchrony that has not had any problems with communication and I am beginning to suspect some sort of scam to get fees from people who don't pay attention to their bills. The representative stated she would open a inquiry, but I doubt I will ever hear anything. Is it legal for the this company to charge me for paper billing?
Product: Money transfer, virtual currency, or money service

This problem relates to Paypal. I received an unsolicited payment from someone I do not know for {$250.00}. They asked me to refund it. I assumed it was a scam which was supported by a brief internet search. It turns out they had really sent me the money and they registered a complaint with Paypal saying that they had sent me money and I had not sent them the item they were buying. This, of course, was not true as there was no item -- just the money. When I got the dispute notice from Paypal I logged in and saw the pending payment. I was for less than {$250.00} because they had deducted a fee as if I were a business which I am not. If it had not been for the deduction of the fee and the already existing dispute I would have just sent them the same amount back. Instead, I had to respond to the dispute. After explaining to Paypal that I did not know this person, did not ask for the money, was not in business at all and explained that they just needed to give this person their money back which should be easy since they had frozen it and not paid me yet anyway. Instead, they resolved the dispute in the other person 's favor and charged me {$15.00} for the dispute plus of course the fee of {$7.00} and change. So, I am out {$22.00} and change for simply possessing a Paypal account that some was able to send me money to. Now, they say I owe them {$15.00} and I can not even close the Paypal account or remove my bank and credit card information which they have. I am trying to deal with Paypal by taking exception to their resolution but given they resolved it this way in the first place and none of the facts have changed I do not expect them to fix it without someone else intervening.
Product: Credit reporting or other personal consumer reports

In the past two months XX/XX/24 XX/XX/24 Ive been working on my credit. I sent certified mail to all XXXX Credit bureaus and a lot of information has not been changed. I sent the certified letters to let them know there were hard-hit inquiries that I did not approve. I also sent copies to show them. Which ones wasnt approved by me. There is a reason XXXX XXXX score is a XXXX to XXXX point difference than the other two bureaus and its because they have information incorrect and they refused to fix it. I dont know what I can do. I dont believe any other took off the incorrect information which was a lot of inquiries out of XXXX XXXX Florida XXXX which I did not agree to run my credit for considered hard hits and they havent been removed the issue with XXXX XXXX on why my score is so much lower. I can not figure out and there was no assistance when I spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by Rocket Mortgage that a soft pull on my credit report will be done. Instead, a hard pull was done which affected my credit score. I am not looking to borrow funds and was looking for rates
Product: Student loan

XX/XX/2023 : Received email from Nelnet saying that my tax document is ready to be viewed online. 
XX/XX/2023 : Attempted to view said tax documents online and was not able to log in. Multiple attempts were made with no success despite entering correct information multiple times. 
Attempt 1 : retrieving username : the website says that they can not find my email address to retrieve my username.

Attempt 2 : forced change my password and provided the email address they " can not find ''. I received a code to reset my password and reset my password. I then used the new password to login. Received the same error message " incorrect username or password ''. 
Attempt 3 : tried retrieving my username again. same error as the first try. 

Multiple attempts were made to log in. At some point, I tried retrieving my username again and it finally worked. Alas, it gave me the exact same username I have been entering in all my attempts. I tried logging in again and it gave me the same error : incorrect username or password. 

Nelnet did not mail a physical copy of my tax documents. I tried calling customer service and the automated machine said that my tax documents will be emailed. no tax documents were emailed to me, only a notification that the documents are available on my account ; the account I can't access. 

" Live Chat '' was just as useless because it was a robot and not a real person and offered no help.
Product: Debt collection

My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my employees. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is an XXXX XXXX XXXX on in my name on my credit reports with the account number # XXXX. I have requested the original documents over and over. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # XXXX
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing this complaint regarding Experian 's failure to properly investigate and resolve disputes regarding inaccurate information on my credit report, which has caused financial harm and jeopardized my access to credit and other financial opportunities. 

1. Background Information : Account Information : Account Type : Auto Loan Original Balance : {$50000.00} Current Balance : {$45000.00} ( charged off and written off ) Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off as of XX/XX/XXXX Payment History Issues : Experian inaccurately reported my payment history, including inconsistencies in the status of the account across different months and years. The last payment was made on XX/XX/XXXX, but the account was improperly reported as a charge-off shortly thereafter, despite evidence of payments and communication with the creditor. 

Dispute History : I disputed this information with Experian multiple times, providing supporting documentation. However, Experian failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). They ignored or inadequately reviewed the evidence I submitted and deferred uncritically to the furnisher of the inaccurate information. 

2. Violations by Experian : Experian has violated the FCRA and the Consumer Financial Protection Act by : Failing to Properly Investigate Disputes : Experians dispute process did not include a thorough review of the information I provided. Despite clear evidence that the reported balance and payment status were inaccurate, Experian closed the dispute without meaningful investigation or correction. 

Reinserting Inaccurate Information : After removing inaccurate information following an earlier dispute, Experian reinserted the same errors on my credit report without proper notification or justification. 

Providing Confusing and Incomplete Dispute Results : Experians communications regarding dispute outcomes have been vague and contradictory, leaving me unable to understand the status of my credit report or the reasons for the continued inaccuracies. 

3. Impact on Me : The inaccurate reporting by Experian has : Harmed my credit score, limiting my access to financial products and services.

Resulted in increased stress and financial hardship. 
Created confusion and distrust in the credit reporting process.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX 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 to be removed/updated. 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 XXXX 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit card or prepaid card

I opened an American Express business platinum card with a promotional offer of XXXX bonus points after spending {$20000.00} in the first 3 months. I completed the spend. However, American Express isn't letting me use the points. They claim they need to make sure my purchases qualify. They say it can take 6 months until they " release '' the points. It never said anything like this in the terms and conditions.
Product: Credit reporting or other personal consumer reports

Experian the Credit Bureau out of all other 3 Bureaus is refusing to help with a dispute for an account that is not mine. I'm attempting to dispute a notice from XXXX XXXX XXXX XXXX XXXX for a bill of {$400.00}. Since this bill is now in collections, it was showing on my credit report throughout each bureau. I made it VERY clear on my dispute notes that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit.

So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the XXXX or XXXX week from filing. Even after providing documentation EACH time, Experian was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and FULLY investigating the situation. When asking about my IDs, they stated that my ID was legible and my father 's ID was hard to read. However, both IDs images were sharp but Experian was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? Over the phone, a representative actually admitted to changing the IDs from in-color to black and white in order to meet their standards. Which could be a reason as to how this appeared to be a problem with them reading it properly in the first place. The last dispute I filled with them, I fixed the IDs to be black and white still there was no positive outcome with my results. 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by Experian Credit Bureau along with the original creditors and collection services! I can provide as much information as possible if needed, thank you!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I did refinance with bank of America, my loan is no escrow account according to the HUD. Now bank of America is collecting an escrow money from my account after i paid my taxes and insurance on my own. I m paying twice. I called several times and the issue not resolved yet, claiming they have a lot of guidelines and they cant just come and change it to no escrow. i ve been never late in payment of my mortgage or taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit false information. I have proof from screenshot of my XXXX XXXX  report & XXXX XXXX letter to me. Dates not matching, Experian and XXXX   states account was open XXXX but XXXX XXXX clearly typed letter saying the account was opened 15 days later which was XXXX. I feel they all are taking advantage of me and future of my credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus Equifax, XX/XX/XXXX and XX/XX/XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XX/XX/XXXX dated XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I opened citi bank account on XXXX XXXX after seeing there promotion for {$400.00} bonus when you transfer {$15000.00} in new money to citi with in 30 days. 

i was requested evidence such as social security, utility bill etc to approve account. my account was under review. I sent those within couple of days. Also i made a XXXX funds transfer request same day i opened account through their account opening online process which was never went through because my account was not approved in timely manner. 

I had to call multiple times and check when my account will be approved and was always told it is approved by back office. we can send them a request to expedite it. Also i was always told by rep that this period won't affect my bonus. 

Finally it was approved on XX/XX/XXXX when i got welcome email from citi after 43 days. Now i have transferred XXXX but m being told by citi rep and supervisors that m not eligible for this because its over 30 days. My account was not even approved for 30 days so how can i fund it when it was not approved and i don't even have my account number.
Product: Mortgage

CFPBMy issues started XX/XX/XXXX with Bank of America ( BOA ). Reached out to BOA for help with my mortgage : rate reduction, refinance, etc ... At that time the representative recommended the loan modification at no cost to me. Began the modification process XX/XX/XXXX, had questions about the figures they calculated and then I was denied the process. Reached out again to inquiry about the denial and was recommended to reapply due to government changes. Process began again XX/XX/XXXX. Again, I had questions about the figures. No one during the modification process ( during negotiation ) was able to explain how they calculated the new totals. Yes, I receive documents with the figures but not sure how the numbers formulated. So I signed the modification papers clearly under duress to avoid starting the process all over again. Finally get new statement and begin to inquire about a {$3400.00} non-interest bearing loan amount. I called BOA several times to inquire about the non-interesting bearing loan. One BOA representative told me not to worry about that loan because there is no interest accruing on it. He told I had to wait 30 days before I can hear from someone regarding the loan amount. On the 30th day I call BOA again to see if someone could explain to me what makes up the {$3400.00}, the representative at that time told it was too late for me because I already signed the papers. Again, I requested for a manager or supervisor to contact me regarding the {$3400.00}. I was told again that it will be 30 days before someone will be able to get back to me. Within the 30 day waiting period, I received a letter stating the {$3.00} will be forgiving. New government laws allow companies to forgive debt, issue a XXXX at year end and the client has to pay taxes on the forgiven amount. My original request was for an explanation to the non-interest bearing loan. Now I have until XX/XX/XXXX to accept or decline the forgiveness offer. I do not understand why I would have to pay taxes on something I do not owe. BOA has already damaged my credit by stating my mortgage payments were late during the modification process. Totally untrue. I made ever payment they recommended me to pay ON TIME. Clearly I have been going through a completely unfair process with Bank of America. If BOA believes I owe and wants to forgive please apply to the current mortgage loan balance. CFPB, please help me understanding why a client has to pay for BOA errors. Their current representatives have no clue how to handle situations regarding problems or issues that has occurred on BOA 's behalf. All they want to know is - " Are you making a payment today? '' I love to get out of BOA loan and find another mortgage company but I do not want to carry the incorrect balance to another company and pay something I may not owe. Again, PLEASE HELP ... ... ....
Product: Mortgage

PHH Mortgage owes me {$3200.00}. 
PHH Mortgage Services purchased my mortgage from XXXX XXXX on XX/XX/2021. One half of the annual XXXX County RE taxes was due to be paid on XX/XX/2021 in the amount of {$3400.00}. PHH Mortgage Services failed to make the payment. The full amount of RE tax, {$6900.00}, was therefore due on XX/XX/XXXX. PHH mortgage failed to make that payment. As a result, XXXX County issued me a notice that I was in default for failure to pay the RE tax. After repeated attempts to talk to customer service as PHH Mortgage I made the full payment of RE tax {$7100.00} to the County that included a late payment penalty and interest of {$190.00}. PHH Mortgage issued me a check {$3800.00} in XXXX stating their was an excess of escrow in my account. I finally reached PHH Mortgage who have contended there wasn't enough money in escrow to make full restitution of the real estate tax. Therefore I was not due the balance of the RE tax of {$3200.00}. I believe either PHH Mortgage made an accounting error or PHH Mortgage did not obtain the full amount of escrowed from XXXX XXXX. Regardless, the error was made by PHH.