23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, Synchrony Bank falsely accused fraud on my high yield ( 4.75 % ) saving account and made a full withdrawal from the account. 
On XX/XX/2024, Synchrony Bank wrote me a letter confirming my saving account had been closed. However, they did not provide a reason for closing. They also did not provide any information or return my deposit. 
On XX/XX/2024, Synchrony Bank responded to my CFPB complaint with only a brief false fraud accusation they previously made on my accounts but they did not take any steps to finalize their investigation and return the withdrawal. 
Since XX/XX/2024, my accounts were restricted by Synchrony Bank, I have been making tremendous effort keeping contacts with their call center. I have spoken to about two dozen representatives and was given different answers each time. The last time I spoke to a representative several days ago, I was informed there wasnt anything wrong with your accounts. Bank just wants to close them. you will get your money back.
Product: Credit reporting

I have XXXX XXXX account on report that is XXXX years old. XXXX keeps updating account to keep on credit report. Account # XXXX should be deleted. XXXX 's account # XXXX account is paid in full not charge off. XXXX XXXX has the same account posted XXXX on report. The charge off account should be removed Account was paid in full. XXXX account # XXXX is XXXX years old and should be deleted. Both XXXX accounts # XXXX and # XXXX I received a XXXX for those accounts so they should have been removed. XXXX Bank # XXXX should be removed account paid in full and amount is wrong.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I purchased a XXXX XXXX and financed the amount ( Approx {$4600.00} ) through Affirm. I paid off this loan in full. The treadmill was later recalled due to safety issues and I returned it. XXXX refunded the full amount of the treadmill, approximately {$4600.00} to Affirm into my account. Affirm was supposed to refund this amount to me. Even though I had updated my ACH information, they said they had to mail the check. I talked to them on XXXX XXXX XXXX confirmed my mailing address and they stated the refund check would be mailed that day. Almost a month later, I received an email from them asking me again to confirm my address. It was a boilerplate robo type email. I thought they had already sent the check, so I confirmed the mailing address again and called them to ask where the refund was. They couldn't answer definitely if the check had been sent and when and they can not provide any information or tracking as to where it is. Today I was told that the check was in the mail, but again no further details. It is almost two months since XXXX refunded my money to Affirm, and I can't get the refund or straight answer, and instead keep getting emails to confirm my mailing address which I've now done more than five times over the phone and in email. Still, no refund despite hours trying to talk to them. Feels like they are running a scam to earn interest on other people 's money.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report, despite providing confirmation from associated banks and valid identity theft documentation. 

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

Prior to XX/XX/XXXX, I had requested a forbearance extension and was told by my former mortgage company - Dovenmuehle, to have granted the forbearance extension. However, they went and ended my forbearance during the midst of pandemic against my will and forced me to pay back without my acknowledgement and agreement. I had called them multiple times and asked them to correct it in their system which they told me at the time that everything was being taken care of- they never did. 

Eventually, they placed my mortgage account under delinquency and filed a credit report against me with the credit bureau for the two ( 2 ) missed payments of : XX/XX/XXXX and XX/XX/XXXX. They, then, transferred my mortgage to my current lender, XXXX XXXX  Company, early XX/XX/XXXX without correcting their mistake. 

XXXX helped me complete the loan modification and made my account current in XX/XX/XXXX. I have been making monthly mortgage payments to XXXX since XX/XX/XXXX up to the present without any missed or late payments. 

However, Dovenmuehle ( my former mortgage company and no longer with me ) continues to flag and report me with the credit bureau regarding those missing payments back in XXXX. They recently reported me in XX/XX/XXXX. As the direct result of their false credit report and unwillingness to fix their mistake, I am unable to refinance my property which is causing me thousands of dollars on mortgage reduction. 

I am not able to move forwards with refinancing because of Dovenmuehle. Please help me resolve this as I do not know where to turn to for help. 

Thank you very much for your help!
Product: Debt collection

Complaint : I do not have a contract with Omni  XXXX   XXXX   XXXX . I am not liable for collected this debt owed of $  XXXX . I am not responsible for this debt.     Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract.   Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  and not reporting accurate information regarding account with XXXX as current and open. 

The account is being reported as closed with XXXX which is inaccurate information regarding the CRA.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : # 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 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 XXXXXXXX, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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: Credit card

I have had ongoing problems, already reported to you last month, regarding Ally not taking the payment set up on the autopay that I have created in XXXX XXXX Every month, I receive emails from Ally advising me that they didn't receive my payment, then adding late fees and other fees to the account. Every month I have called them to get this resolved. And every month, I have to call 4 times to get someone to take actions. And every month the agents tell me that I had canceled the autopay, when I did no such thing. This company is failing and refusing to fix their problem or look into it, making this intent to cause XXXX to my well being, including XXXX health and XXXX health by blowing the issue off. I should not have to call them every month because they are refusing to take the payment. I use the autopay with my other credit card companies and don't have any problems. So, instead of taking my payment, they are refusing to take my payment, which is against the debt collection acts. I want this company to write off this debt since they are failing and refusing to fix the problem. They don't know what customer service means, it doesn't exist in this company. No one should have to go through the abuse that I am going through with Ally Credit Card XXXX, NO ONE. And them stating that they were looking into the issue is a lie. They don't care about how they treat their customers, on the phones or when it comes to taking payments.And I also always have problems trying to log in to their system. This is beyond not acceptable. FIX YOUR SYSTEM NOW.
Product: Debt collection

I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX   for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
Product: Debt collection

A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the representative XXXX verified the last XXXX of my social security number but failed to tell me they were debt collectors and it was an attempt to collect a debt. I asked for the welcome letter so I could see it then begin working with them. I heard nothing more from them but got XXXX calls yesterday on XX/XX/2017 back to back and one voicemail. Then another call this morning XX/XX/2017 at XXXX am.
Product: Credit reporting or other personal consumer reports

I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is a violation of my rights.

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the LORD GOD and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally file a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information ( Key Issues ) : Account Number : XXXX High Balance : {$1000.00} Payment Status : Late 60 Days ( incorrect ) Date of Late Payment : XX/XX/XXXX FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. TransUnion has failed to correct the inaccurate late payment for XX/XX/XXXX despite multiple requests. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment suggests non-compliance with this requirement. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, violating TILA 's fundamental principles.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment entry is a direct violation of this principle.

Desired Resolution : Immediate removal of the late payment notation from my credit report for XX/XX/XXXX. 
Written confirmation of the correction within 30 days of receipt of this letter. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX Enclosures : Copies of previous dispute letters, supporting documents, and relevant sections of the FCRA and TILA.
Product: Mortgage

On XX/XX/XXXX I was unable to log into their online payment system to pay my mortgage. I have attempted login daily since then with no success. Today being XX/XX/XXXX. When calling on XX/XX/XXXX I called to inquire and the automated system said " Our systems are down ''. 

When investigating I am now getting a message that there's been a cybersecurity breach and they are " hopefully '' back up by Friday. 

There has been no communication from them that I have received and am otherwise unable to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2020 I notified XXXX  of an invalid account on my credit file. The account is identified as Carter-Young INC. Under federal laws and FCRA guidelines section 609, I requested XXXX to investigate the account for validation and accuracy. XXXX exceeded the 30 investigation period therefore XXXX is in violation of FCRA section 609.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Mortgage

On XX/XX/XXXX I received two sets of XXXX modification documents from Ms XXXX XXXX saying Please sign, notarize, and return to us. Because document need to be update. Attached documents of Loan Modification Agreement ( Mortgage ). No copies send to me to this day. 

Clerk of the Circuit Court : Satisfaction of Mortgage was recorded On XX/XX/XXXX from Secretary of Housing and Urban Development. Attached copies Note : Subordinate Mortgage On XXXX XXXX I request HUD Lien released XXXX XXXX XXXX XXXX reply from Ms XXXX XXXX was US Bank recorded two mortgages for the same amount when they did my partial claim. They must have realized their mistake and released the mortgage recorded in error in XXXX. The Subordinate Mortgage is still owing Attached document and FHA Case # XXXX I reached out to US BANK NO ASSISTANCE just phone tag. Why do I have two Subordinate Mortgage with two difference company for the same amount {$1000.00} that why I am filing this complaint.
Product: Debt collection

I get around XXXX calls a day by this company and 90 % of the time it is a robo call that does not say anything and just hangs up. The calls are by multiple different numbers. It is childish and I'm sick of it
Product: Vehicle loan or lease

I purchased a car on XXXX XXXX, XXXX the down payment was {$2500.00} which included the taxes and fees for the vehicle. I recently recieved a tax bill for the vehicle from the state and threatening to suspend my registration. the company has not paid the taxes regarding my purchase.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, # XXXX - XXXX XXXX  # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX, # XXXX - XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Debt collection

On XX/XX/2021 I filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.
Product: Debt collection

Original creditor violated a settlement agreement. Debt was discharged, successfully disputed with debt collection previously. Original creditor re-sold it. Debt is for an LLC no longer in existence and pursuing individuals for it. Fraudulently pursued - same debt multiple agencies per attachments
Product: Student loan

I have four seperate loans with Sallie Mae all with interest rates from 8.75 % to 11.75 %. When I took out the first 2 loans I was under the impression the interest rate was lower. Secondly the last 2 loans have different co-signers in which they told me could be release within 6 months of on time payments. After repaying on the loans on time for the past 2+ years I called to have my co-signers released in which I am now told theres an application process and that my co-signers can not be release as there are a group of rules that must be met first, one being the borrower can not be on a reduced payment plan. When I took out the loans these additional co-signer release stipulations where NEVER explained. When I called to inquire about this I was told I shouldve known because its on their website however it says they can change the co-signer release stipulations at anytime. The consumer advocate XXXX claims to have listened to the recording in which these stipulations where described to me but will no allow me to heard the recording. I previously filed a complain about how Sallie Mae told me the only way to have a lower monthly payment ( previously $ XXXX/mo ) was to go into collections which I did in good faith that they were giving me the best advice. I was young and didnt really know better. They call themselves fixing the issue after my complain with CFBP by crediting the interest charged during that collection period however I do not find this a satisfying solution. I also do not believe they credited my account with all the fees and interest applied to my accounts during the advised collection period. Taking a closer look at my billing Ive noticed they charge me interest twice a month for each loan. Over the last 2+ years Ive paid anywhere from $ 17k-20k and my overall balance has only decreased by approximated $ 3k. When I asked about this XXXX, their consumer advocate, told me that they apply my payments to the interest accumulated while I was not making full payments and still in school. However, upon my calculations I accumulated less last $ 10k in interest so that should be well paid for by now. Ive called asking for original loan documents and now payment activity which takes 3weeks to receive which to me is unacceptable and unrealistic and makes me believe they are altering documentation. The loans all have astronomical balances higher than what was originally borrowed. Ive called to ask about lowering interest rates in which XXXX told me we dont do that here. Ive tried to refinance but am unable to because of the previous collection in my report and my high credit card balance in which I had to live off of while paying this high monthly bill. Unfortunately this is a universal issue in which many borrowers are facing and are not recieving any help or answers. Many similar complaints found online which leads me to believe Sallie Mae is practicing in deceptive repayment practices, consumer fraud, & subprime lending.