23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I been a customer with Barclaycard for couple of years now. On thevXX/XX/2016 I have call the for a dispute matter I noticed on my account. I have stay in contact with them every week. Today XXXX/XXXX/2016 I just fount out my claim was closed because of no communication. I have been transferred couple of times but they would not transfer me to a manager when I asked for one. I have never received a letter in mail or phone call regarding this matter. I am disputing the amount or {$200.00} form XXXX XXXX because I did a online application and was specified to me if my application is denied the money will never been take out of my account. I have the denial letter with all my information. Please help me with this matter
Product: Debt collection

Consolidated Recovery Group is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX when that address is no where on their website and I never received a response from the dispute letters I sent them. How can they have different address on the credit report and website but their website shows the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 1. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2011 which is wrong. 

3. I attached the dispute letter that I sent them but they failed to properly validate this account.
Product: Checking or savings account

I have a checking account with Santander Bank, XXXX XXXX XXXX, XXXX New Jersey XXXX ( XXXX ). I also have a debit card which is attached to the checking account. When using the debit card with another Banking or ATM vendor, I 'm given the opportunity to accept the charges for their services and if I agree a fee is charged by the company where I 'm completing the transaction. Santander Bank then charges me a {$3.00} fee for not using one of the ATM at one of their branches. I 've spoken to management at that branch and I 've filed a small claims complaint in XXXX County Superior Court. A default judgement was awarded against Santander Bank, but I never received any further documentation from the court. On occasions as recently as XXXX XXXX, 2017, one of the {$3.00} fees was withdrawn from a negative balance and the bank charged me an addition {$35.00}. I have never authorized Santander Bank to withdraw the addition fees from my checking account or from any account which I have with Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innacurate employer keeps reappearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting correctly again- missing from my credit file see the company name of the collection agency, no contact information, this is incomplete- the fair credit reporting act says data reported must be accurate, fair, and.complete. Several entries missing as you can see from the i had to spend hours trying to determine whos account these these two were.
Product: Student loan

I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you
Product: Checking or savings account

On XX/XX/2021, I noticed that I have an available balance of {$100.00}. Therefore, I purchased a delivery of XXXX  from XXXX in the amount of {$22.00}. 

However, due to the quality of my order, I requested a refund, which XXXX reimbursed back to my card ending in XXXX ( please see attached ). I noticed that the bank has failed to process the {$22.00} credit back to my account, which now shows that I have a low available balance of {$76.00}. Instead, it should show the previously available balance of {$100.00}.
Product: Vehicle loan or lease

We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint. 
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period. 
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report. 
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month. 
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports. 
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a " hard '' inquiry from XXXX XXXX on XX/XX/2018, that I did not authorize. I don't have any services with XXXX.
Product: Checking or savings account

I had my wallet stole before XXXX in Louisiana. I have finally got my bank card back I disputed a charge through XXXX car rental in XXXX Louisiana for letting somebody come in with my sos my driver id and get a rental. I had no idea about this. Now the back is taking the money back out Im out of a XXXX dollars tottal for what sombody els done. Pleas help you can reach me at XXXX Im XXXX XXXX
Product: Mortgage

My family of 4 is currently living in our first house. Due to loss of hours/income with my husband 's job and my career as a XXXX  we were unable to make mortgage payments in early XXXX  We experienced a string of large appliances in the house needing to be replaced such as the water heater, clothes dryer, HVAC repairs which took place over the course of about 9 months of time. My husband arranged for a modification which we defaulted on because of our financialhardships. As a XXXX, I am unable to negotiate higher pay or work extra hours to make up for his income. I tried speaking with PennyMac a couple of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to try to work out any way to keep our family in our home. We are offering to pay nearly all of the foreclosure amount of {$18000.00}. I have managed to get together {$12000.00} so far, but PennyMaXXXX is refusing to give us another opportunity to get back on our feet. I tried reaching out to resources available to me and was able to get a HUD housing counselor through XXXX XXXX XXXX XXXX XXXX. XXXX worked with me on our finances and we discussed how my husband has been moved to a new department with guaranteedhours and overtime available. She tried speaking with PennyMac on XXXX to negotiate on my behalf, but they denied her attempts as well. XXXX suggested reaching out to CFPB as she feels you have more power than she does to help us. I am confident that moving forward we have worked through the financial difficulties and we just want an opportunity to get back on our feet in our family 's first and only home. With nearly the entire amount to offer to PennyMac and just asking for a little more time to get all the money to get out of foreclosure, I'm hoping we can get the assistance we need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Checking or savings account

I went inside of TD BankXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX to open an account and I was Denied access to open an account however I explained that my information was used fraudulently in a Data Breech settlement and it is effecting my ability to open any bank account in my name I need this rescinded immediately I am a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.
Product: Student loan

I cosigned a loan for my daughter in XXXX, when I had a job. She has not spoken to me in several years now. I did not know that she decided to stop paying her loan in XXXX of XXXX UNTIL Wells Fargo started harassing me non stop. I am now XXXX years old, I was laid off from my job in XXXX. I have not been able to replace a decent income. I have a very limited income now, under {$XXXX} a year. I have been in touch with W.F. constantly ... to no avail. They refuse to offer me any relief, as I had asked for a modification to either lower the rate or monthly amount.. I have also asked for some amount of loan forgiveness. All of my requests have been met with a strong NO! Please help! I am looking for any possible way for to find some relief at this time.
Product: Credit card or prepaid card

CARECREDIT/Synchrony ... XXXX, XXXX, XXXX, XXXX, and XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX. Emails and screenshots are attached. My payment due was maybe {$25.00}, but I scheduled {$50.00} payments on the XXXX of each month for the entire year, XXXX - XXXX. XXXX of XXXX, I did the same and scheduled {$50.00} payments on the XXXX of each month for XXXX - XXXX, which is all the system allowed indicating there wouldn't be a payment due after XXXX and this would pay this off in full. XX/XX/XXXX, they contacted me and advised that I missed a payment. My response was how could I miss a payment, when I had paid all your system would allow me to pay, which would bring my balance to XXXX. I have been paying {$50.00} a month, twice the minimum payment for over 5 years. That was a glitch in their system and they weren't going to charge me a late fee. I immediately paid them {$50.00} on XX/XX/XXXX. They contacted me again and I paid them another {$50.00} on XX/XX/XXXX. So, I paid them {$100.00} for a balance that was to be XXXX per their system. Their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment that their system didn't allow me to pay, which would have been my last payment that their system didn't allow me to pay and then apparently they added late fees or something and I scheduled XXXX additional payments for a glitch in their system that they weren't going to charge me for. I saw this on my report and contacted them to resolve the issue that was clearly their fault. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Synchrony has some unsavory business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was comprised several times in the last few years ( XXXX, XXXX, XXXX XXXX, etc. ) so I tried contacting Sagestream LLC to have them freeze my credit report. I have faxed the required documents listed on their website, https : //www.sagestreamllc.comXXXX, multiple times plus, mailed those same documents to Sagestream LLC 's address, called about 30 times, never any answer. I have left multiple voicemails with my name, contact number and why I was contacting them and Sagestream LLC has NOT responded to any of my request or correspondence. It's been over a month now and Sagestream LLC has not contacted me or frozen my credit file, which they are required to do by law.
Product: Checking or savings account

On XX/XX/2022 at XXXX, someone applied and was approved for a Bank of America XXXX XXXX Banking account. I called Bank of America and they transferred me to the fraud department who stated this account was opened online in my name using my social security number, date of birth, and other identifying information. To my knowledge I have not had any cards or IDs stolen. They were able to close the account which had a balance of {$0.00} and said it was being investigated through their department.
Product: Credit card or prepaid card

I have been communicating with this company throughout the month of XXXX with my last communication with them being on XXXX XXXX, 2020. I have spoken to numerous representatives and an individual from the office of the president at the company. I have been very clear that I would not be able to make my payment that was due on XXXX XXXX, 2020 due to being off work for 3 months due to COVID 19 pandemic. I was told by XXXX, a customer service representative on XX/XX/2020 that my late fee would be waived and my account was noted that I should not get calls for missed payment. I was told that I have a " 30 day grace period '' before missed payment would be reported to credit bureau and said I would have " until XXXX XXXX, 2020 '' to make my payment before any information is reported to credit bureau. She also said she would " monitor my account '' to make sure I am not charged a late fee. 
I was told in XXXX when speaking to a " customer assistance program '' representative that he would note in my account to " not call this customer '' about a missed payment because I am notifying them about my inability to make my XXXX payment. I have repeatedly informed this company about my inability to make my XXXX payment again because of no income due to COVID 19 pandemic. 
However, shortly after the XXXX XXXX, 2020 date passed I started receiving phone calls, several calls a day in the evening time, but no one would leave messages. I called number back and automated system said it was " First National Bank of Omaha. '' and it asked me to enter my account information. Since no message was left, I did not enter account information into an automated system. Calling someone several times a day and not leaving messages is Harassment. 
During my several different phone calls to them over past several weeks, I was told I would not be charged a late fee, not receive phone calls and not have missed payment reported to credit bureau. However, I was charged a late fee, and started receiving calls. Most of these calls were in the evening. I received several calls per day and no message was left, This is harassing. Furthermore, it is disruptive while working in therapy session with clients, having a phone ring. 
I made a payment of {$100.00} on XXXX XXXX, 2020. However, I have since received a letter from this company in the mail on XXXX XXXX, 2020 from their " collections department '' telling me my account is " past due '' and to " call to make payment arrangements '' I found it alarming since I have been trying to make payment arrangements for several weeks and once I miss a payment, they want to help me. 
I will be checking my credit report as this company 's ethics and integrity are questionable often not doing what they say they would do, not charge late fee, not call and not report to credit bureau but instead charged late fee, called me several times a day in the evening, then sent letter from collections department. Does this company not document in my account or not read the call history notes? I am concerned that they also reported to credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account and associated inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Fraudulent Account : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2100.00} Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

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

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 man 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 reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX Equifax Shows XX/XX/XXXX XXXX, XXXX, Equifax is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Product: Mortgage

M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.