23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a pep boy 's credit card through synchrony bank. I was making payments on time through the app today when I logged in to try to make a payment through the app. I was greeted with a red! And told I need to contact online services in order to Service the account at which point I contacted customer service and was told they closed. The account and the only way I can make payments from this point forward is through the website or calling them which I have no way of doing every day. Closing my accounts lowering my credit limit with the company and hitting me with different interest all the same time. Sounds a little fishy but the bare minimum. I want to have access to be able to pay it through the app.
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Student loan

I have tried multiple times to call " XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) for IDR account support and there has been no consumer support on their behalf.
Product: Checking or savings account

I used to have a checking account with bank of america. I was talking online with someone that was hiring me for a new job from home. They send me a check with the amount of XXXX so I can buy the materials I needed to start as soon as possible working. When I deposited tue check two days later Bank of America closed my account, it turns out the check was fake. I was victim of fraud. They file this in my costumer report as I was depositing false checks. And that not true I was the victim. Now I cant open any other bank accounts.
Product: Vehicle loan or lease

This car was put on my credit with no knowledge of this deal was done with out me signing or being there they dont even have the correct ID for me I dont have the rights too even sign for a car without a license
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices.
Product: Student loan

On XX/XX/2023 I made a bill pay of {$430.00} through my banking institution to submit a final payment towards my student loans with Nelnet. In the past, I had successfully paid off my student loans the same way ( bill pay via my banking institution ) and Nelnet processed them just fine. However, I noticed with this final payment, it has taking longer than usual to process. Thus, on XX/XX/2023, I called Nelnet and had to wait XXXX hours before finally being serviced. The representative I spoke to claimed she did not know what I was talking about and kept suggesting I make sure it was not an issue with my banking institution. I told her it could not be since I had submitted bill pays to Nelnet before through the same banking institution with little to no issues. She agreed to look into things further and eventually transferred me to their " solutions department ''. The representative there managed to locate my payment and told me they would apply it in several days. A week later, I see no changes to my loan amount so I call them again on XX/XX/2023. The representative I spoke to this time claimed that the final payment MAYBE takes awhile to process since their accounting has to make sure " everything is in order ''. However, Nelnet states on their website that most payments should only take XXXX days to process. Up to now, nothing has been done to process my final loan payment and I am worried that Nelnet will claim they lost the payment when they are really just stealing the payments.
Product: Debt collection

There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed XX/XX/XXXX. The United States Bankruptcy Court granted a discharge in XX/XX/XXXX.I have filed a dispute XX/XX/XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Product: Money transfer, virtual currency, or money service

I'm sure you have received this complaint many times, and I'm really curious as to the answer .... 

How could it be allowed, that Paypal, can allow you to open an account, use it, add money, etc, and then, once they decide they want to look into something ( which is normal ), instead of giving you a notice, ( i.e. " We are freezing your account to make sure everything is ok ), they actually wait until you deposit money into the account, and then freeze it. Then ask for documentation which I'm sure every sends, and then the response is, " OK we'll look into it and let you know next week '' That is actually allowed? Besides the fact that it is incredibly sneaky, it's dangerous ... They are dealing with people 's money, and are allowed to wait till they have your money, freeze it for a week? 
And not to mention, they aren't even open 24 hours a day .... And it's almost impossible to actually talk to anyone .... Just seems like they should be more regulated ... .And I've seen this same complaint 10000 's of times it seems .... 

But, I'm sure they just get away with it because of " good reason '', so they continue to do it .... XXXX forbid, one time ( just once, cuz every other time I'm sure is legitimate ), they do it for the wrong reason, they could really cause a problem for someone ... .. 

Just my opinion ....
Product: Bank account or service

I closed my accounts, both checking and saving, with Citi on XX/XX/XXXX at a branch in XXXX, but was notified on XX/XX/XXXX that my saving account was still open and that there was some leftover fees. I believe this was a mistake which should have been handled properly on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate this account from Chrysler Capital # 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/year> Creditor : GENESIS CREDIT MANAGEMENT I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is that Honda financial services are being unreasonable. I had XXXX on XXXX XX/XX/2018. This XXXX incapacitated me for a whole month while recovering back to my normal state. As a result, I fell behind on that month, monthly payment. I took the liberty to write to Honda on XXXX XXXX explaining to them what had happened, in regards to this medical condition. They requested that I send them proof of my Hospitalization which I did attach the medical certificate as proof of the sickness and my bank statements which showed I had enough money on my accounts to make the payment were it not for the medical condition. But to my surprise, Honda financial services refused to delete the late payment history of the time I was down due to the medical condition which was 100 % not my intention to be late. I have always had a good reputation with this company. I have Attached the letter I sent to Honda financial services.
Product: Mortgage

Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.
Product: Debt collection

On XX/XX/21 at XXXX I received a phone call on my cell phone from XXXX XXXX XXXX XXXX XXXX. After answering the phone the representative asked to speak with XXXX. I advised the representative they had the wrong person and phone and do not call my phone again. At XXXX I called the number back and spoke with a male representative that provided the name of Indebted and advised they were a debt collection agency. When I asked what company does Indebted collect for, he said he couldn't give out anyone 's information or any information without me giving him my phone number. Feeling uneasy about the call as my phone number and other personal identifiable information has already been found on the dark web I called back. On the second call I got a female representative who also advised she couldn't tell me the company they collect for or make sure my number and name was not on their call list without me providing them with that information and advised me I was calling in to a call center. On XX/XX/21 my chapter XXXX bankruptcy that included all of my creditors was closed, my number has already placed on the National Do Not Call registery and I also registered my cell phone IMEI to not be tracked using GPS tracking.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX  scenario, In XXXX of last year i received a pre approval on Experian for the credit cart I applied and they approved me for XXXX The card was never received nor activated They confirmed over the phone that the account was past due but saw it was never activated or used. The only charge was a {$34.00} fee from them directly. 

The rep confirmed the card was not activated and waved the {$34.00} fee. 

Following waving the fee he asked me if ide like the card sent or close the account. I asked him to please close the account I dont need the credit card I just dont want my credit being affected for a card I never received, activated, or used. 

He closed the account for me.
Product: Checking or savings account

PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.
Product: Mortgage

I applied for a loan mortgage modification. I was approved. The mortgage is requesting a down payment. When I questioned the request for a down payment the mortgage company increased the required monthly payments. the monthly payment is unreasonable.As senior citizen, and want to stay in my home I feel the mortgage company practices are unlawful. The deceptive practices are not in the spirit of helping families stay in their homes.
Product: Checking or savings account

On XX/XX/23 my Citizens bank debit card was flagged for fraud and my transaction was declined. I attempted to call and on hold for 30 minutes and the recordings said I could perform the " Unfreeze '' online. I hung up. I was unable to unfreeze and the mobile app ( and online via computer ) noted to call the same number. I was on hold for approximately 45 minutes and actually got a person, who could not assist and coldly transferred me to a fraud line. He did not provide the number. After being on hold for well over an hour, I walked into a branch, XXXX XXXX, XXXX where the employee said he would assist. He verified my information and I hung up to only be informed he needs to call the same number, the first number, not even the fraud number and he could not assist. I had spent over 2 1/2 hours between all forms without resolution. I left the branch. I attempted to call again on XX/XX/23 and after being on hold for almost an hour, was hung up on without speaking to anyone. 
This issue is still unresolved and causing serious issues and non payments. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX this account inaccurately report by Equifax as charge off on XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX - account inaccurately report by Equifax as charge off from XXXX to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian is reporting this information as a charge off Every month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
XXXX is reporting this as being payed as agreed this information is indeed incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX am a victim of several credit data breaches including major credit bureaus XXXX,! XXXX and a company reporting to Experian ( XXXX ). I have an email explaining what and how it happened ( proof ). Ive noticed several inaccuracies violating codes 15 USC 1681e ( b ) ; 15 USC 1681s-2 ; 15 USC 1681li ( 5 ) ; 15 USC 1681c ( c )
Product: Consumer Loan

The FINANCE CHARGE that Ally is charging is OUTRAGEOUS!
Product: Checking or savings account

I have been with TD Bank ( US ) for more than five years and then I received a letter from them on XX/XX/XXXX that they will close all of my accounts including my credit card accounts for no given reason. I did call the number was attached and the phone number was XXXX and I was told that they have the right not to give me any reason. I believe my right was violated and I was discriminated Because I have a XXXX XXXX XXXX name I never had any check bounce or overdraft in the last five years and I always have an extra phone in my accounts. And TD Bank representative told me that banking in in the United States is a privilege not a right which I could I was absolutely shocked by his answer.
Product: Debt collection

Cedar Financial aka Cedar Business Services keeps attempting to get me to pay for interest accrued on medical debt. I did not agree to interest terms. On several accounts for medical debt owed. File # : XXXX, XXXX, XXXX, XXXX XXXX all have interest applied to the principal amount. On XX/XX/2019 they falsely claimed to the Credit Bureau as Loan Installment instead of reporting as debt collection or medical debt. I have talked to them multiple times but they continue to skirt the law, for there fraudulent claims and misrepresentation of facts. My rights are being abused according to the The Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 inquiries made without my permission. I have since locked my account with XXXX due to identity theft. They are : XXXX XXXX  BANK ( Bank ) XX/XX/XXXX XXXX CO XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX CREDIT ( Finance XXXX XX/XX/XXXX I have called XXXX and Transunion regarding these hard inquiries to no avail. I have also called XXXX XXXX Bank and they said they saw no accounts and no credit card applications submitted with my social security as only South Dakota residents can even open an account or apply for a credit card with XXXX XXXX Bank and I myself live in another state.