23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 XXXX XXXXl debt XXXX XXXX XXXX debt XXXX This was added to my XXXX XXXX has sold this debt to many creditors
Product: Credit card

Please, investigate shady practice of PayPal payments processing. I have a PayPal branded credit card issued by Synchrony bank. You can not make the payments on the card directly to the bank, it can only be done through PayPal system. I have autopay set up on the account that worked fine in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX right on the payment date, PayPal sent me notification that autopay was canceled by them due to the failed payment and charged me late fee of {$29.00}. My financial institution shows no traces of attempted payment that was declined or failed. PayPal just deleted my autopay to charge late fee. What regulation is in place to prevent such scam?
Product: Credit reporting or other personal consumer reports

IN XXXX OF XXXX, I MAILED A CERTIFIED LETTER OF DISPUTE TO XXXX XXXX, WHICH WAS DELIVERED XX/XX/XXXX, XXXX OF TODAY XX/XX/XXXX, NO REPLY FROM VERIZON WIRELESS.THIS IS A VIOLTION OF FEDERAL LAWS LIKE THE FDCPA AND THE FCRA. HERE I WILL BE PROVIDING RECIEPT AND PROOF OF DELIVERY. I HAVE DISCUSSED THIS WITH EXPERIAN BUT NO RESPONSE AS WELL. PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY EXPERIAN CONSUMER REPORT.. 

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

Tjx synchrony bank credit card Company called XXXX XXXX. I was not available when they called For an account that doesnt exist. I made attempts to contact company but no way to get through to anyone, the number they asked me to call was AI only wanting me to pay the debt they say I owe. I was not going to pay for a bill from an account that paid in full and closed. This account was closed XXXX XX/XX/XXXX paid in full. I made other calls to numbers listed as customer service for TJX credit card, to no avail. All were AI machines wanting payment. No one to work with the issue to solve their mistake. Frustrated I looked up others that had these issues with Synchrony and saw Synchrony Bank was Sued XX/XX/XXXX class action settlement paid to customers {$2.00} XXXX dollars for this exact thing that they are doing to me. They are calling me about an account that doesnt exist. This is what they did to other people that won a XXXX XXXX dollar lawsuit Should I get a lawyer? 
My bank sent me an alert that my credit report was hit by synchrony bank. My score was and always has been XXXX up higher. It it now XXXX. This was XX/XX/XXXX and synchrony Bank made the complaint. 
I have all the paperwork about old account paid in full and closed in good standing. 
They fraudulently opened a new account and showed I owed money. This would have been in XX/XX/XXXX they opened an account I did not request and they closed my original account ..I didnt. I was shocked! My credit report needs to be restored to where it was, they are responsible to do it now. Of course they need to close the fraudulent account they reopened after my account closed. 
They started with I owed XXXX. In a few days they left message with XXXX Next few days it was XXXX. Is that legal? I doubt it. They are bullying customers. 
I also filed a complaint XXXX  XXXX. No response from Synchrony Bank!
Product: Debt collection

Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX   XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

NCHAF has approved me for payment. I was given a contract by HAF and sent in the GAP amount via certified check directly to HAF, on time. I kept in touch with Carrington through every step of this process. Carrington refused the payment from HAF and now requires more money for GAP payment. Carrington will not except this money directly from me nor will HAF. The processing time from the time HAF receives my certified check, which is their only excepted payment method, and the time they process payment and send it to HAF is lengthy, because of that log, which creates an ongoing problem with this. My beginning gap payment was under {$600.00}. The amount I sent to HAF for my gap payment was over {$6000.00} and now Carrington is asking for even more, which I do not know that they will except by the time half processes it. I am fighting a downhill battle, and I am at a loss of what to do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was out of work several months. I am working now and able to make the payments to Carrington. Any help you could provide would be greatly appreciated. 
Kind Regards, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 LoanCare/XXXX  XXXX offered me a Flex Modification Trial Period Plan. I sent the first payment in by XX/XX/2021 and then spoke with a Loancare agent ( who called me ) to confirm I was accepting the Trial Modification. I then made the next payment by XX/XX/2021 ( per the Modification agreement ). On XXXX XXXX I was informed XXXX XXXX sold my loan to a private investor and would transfer on XX/XX/2021. 
I then confirmed with XXXX XXXX ( the new loan servicer ) that they would honor the agreement. Unfortunately this was over the phone. In the mean time I received one last statement from Loancare with a note in the Important Message section that states : Notice Regarding Loss Mitigation : Program participation was agreed to. I have made all the trial payments on time. However once the final payment of the trial was made I did not receive a Loan Modification Agreement from the new servicer as stated in the agreement from Loancare. XXXX XXXX has a note that says my payment is XXXX ( which is to be the new payment per the Modification ) and this is the amount I have paid during the past 3 months. However I am now receiving notices saying my account is severely past due but nowhere does it reference my modification plan. Additionally the last payment of the trial period has been paid however I have not received the Loan Modification Agreement as stated in the Flex Modification Trial Period paperwork.
Product: Credit card or prepaid card

ON XX/XX/2022, I MADE MY PAYMENT ON MY DISCOVER CARD IN THE AMOUNT OF XXXX IN A TIMELY MANNER AND THEY SIMPLY REFUSE TO APPLY OR POST MY PAYMENTS IN A TIMELY MANNER. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED AND CORRECTED IN A TIMELY MANNER.
Product: Checking or savings account

My mom originally opened her acct over XXXX  years ago with Regions bank. In XXXX  I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX   years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me. 
I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats not mine.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, XXXX, and Equifax regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws.

Details of the Inaccuracies 1. Incorrect account dates that do not match the original creditor 's records.

2. Inaccurate balance amounts, which are not consistent with actual account statuses. 
XXXX. Payment history errors, such as reporting late payments that never occurred. 
Accounts with Inaccuracies Below is a list of the accounts in question : XXXX XXXX XXXX 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: Checking or savings account

I use Chase for my banking right now and saw 2 service charges on my checking account yesterday, XX/XX/22. When I inquired as to why I was suddenly being charged service charges I was told that they had changed my account type. I've had this account for about 12 years now and it has always been that one of the criteria for not being charged a service fee is that I must use my debit card 5 times during the course of the month. I'm not sure what the daily limits used to be but now they're demanding I keep a {$1500.00} minimum!!! That's utterly ridiculous and only serves to screw over people who aren't rich. I was never informed that they wanted to change my account and I sure as XXXX never agreed to it. 

I had a meeting with a banker at a branch earlier today and they refused to do anything about it. They said that they're forcing everybody into this XXXX and if I don't like it I can close my account. 

I've never dealt with such unprofessional nonsense before. Not only do these banks not give us interest on our money anymore but they actually think it's acceptable to take our money for them to have the privilege of using our money to make themselves more money. I DON'T THINK SO!! 

I want my account left as it was. They absolutely don't deserve, and have no right, to take my money simply because they feel like changing account policies on a whim. During the course of this pandemic the rich have gotten richer and the poor have gotten poorer. How dare they pull this XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested XXXX, XXXX, and Transunion to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a XXXX to XXXX  month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my XXXX credit profile and XXXX on my Transunion profile. I am requesting compensation for a total of XXXX inaccurate entries.
Product: Debt collection

This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get approved for my first mortgage, and the l oan officer told  me about a single collection account on my credit. Because my median score was a  XXXX , not  XXXX , I wo n't receive the a great rate. This collection was a complete surprise to me. I never check my credit because I heard it hurts your score. I just assumed that since I pay all my bills on time and do n't keep excessive amounts on any credit cards, there would be no problems.     The collection is from the company  XXXX   XXXX . They put it on my credit in  XXXX     2011 in t he initial amount of {$420.00}. It supposedly originates from  XXXX   XXXX   XXXX , an apartment complex in which I once lived, due to cleaning expenses.     I remember this charge. When moving to a new apartment in  XXXX   2011, the new  apartment complex  (   XXXX   XXXX   ) noti ced this on my background check. They required me to pay it before approving my new lease. I thought {$400.00} for cleaning was absurd, but I went to the old apartment and paid it along with my final payment.     I assumed it was water under the bridge until a few weeks ago. Last week, I contacted  XXXX   XXXX   XXXX , and they could find no record that I owed them any outstanding balance. I spoke to  XXXX , the offic e manager, w ho was helpful. I then contacted  XXXX   XXXX , and they could n't find any documentation to support the claim. Yet, they just pressured me to pay it and refused to remove it from my credit even if I did. I 've now started disputing it with all  XXXX  major credit bureaus. However, none seemed too enthusiastic to help. In fact, they told me that it 's not their job to ensure the report is accurate ; they merely report what 's told to them.   XXXX   told me this was my fault for not checking my credit.     I contacted  XXXX   XXXX , who was more than helpful by looking up 6 years in the past to find the exact check where I paid them. It was paid on  X/X/2011    with check number  XXXX .     If not corrected before closing on my mortgage, this error will cost me 0.50 % on my mortgage rate, which equates to about {$42000.00} of interest that I 'll be forced to pay.     The credit bureaus should be held liable for allowing fraudulent information on their report without doing their due diligence to ensure its accuracy. They have a responsibility to their clients who purchase those report and use that information in financial decisions. Furthermore, they have a greater responsibility to the public, whom eventually pays for their negligence.     Please, I need help. I 'm just one person who feels like they 're being disparingly treated because they may not have the financial means of others. I have a right, like any other, to ensure my history is reflected properly.     If the CFPB wo n't help, my next step is to consult with an attorney. I 've done everything I know to do without going further, but this must be rectified before it cost me thousands.
Product: Credit reporting or other personal consumer reports

I need XXXX inquiries removed off of my personal name, which is my credit report, because I did not authorize them Trans Union is reporting in accurate information. This is illegal under the American federal law. I will like these XXXX inquiries removed immediately or I will take legal action : XXXX XXXX XXXX XXXX- XX/XX/XXXX24 XXXX XXXX- XX/XX/XXXX24 XXXX- XXXX/2024
Product: Credit card or prepaid card

Card was applied for and open in late XXXX after going through some verification steps. I had to email documents ( copy of SS Card, Driver 's License, Bank Statement ) and go through some verification over phone. All docs sent were what the agent told me to send. Card came in the mail, it was activated however card is unable to be used. Online phone system says " card was closed '' and agent on phone said " card was closed ''. I need an explanation as to why they said card was approved and then subsequently closed on same day? This has adverse effects on my credit as now I already took the hard credit inquiry and now you will put an account on my credit report in bad standing/ only open for one day which will effect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.
Product: Mortgage

Nova financial, you are better off finding another lender. I started this horror story on XXXX XXXX, 2016. Put in an offer on a house out in XXXX, for glorified car loan ... ..after 4 long months of fighting the staff at Nova Financial in XXXX, AZ. and having my loan pushed back literally 5 times, on the day of the long awaited closing, XXXX the paperwork, title and deed, and told me in order to get things right was going to cost me some more money, after all ready costing me in time, extra costs, termite exterminator, a handy man and a very XXXX appraisal. Over all, my closing costs doubled, and I have to pay more money out of pocket to get done what they should have done in in the first place ... ..as a customer, I have the highest dislike for this company, they are unprofessional, un-courteous and down right rude, waiting for the mast minute to extend the process even longer, 4 times. After buying and selling around XXXX homes, this was the most agonizing experience I have ever had or seen. People, please do not use Nova Financial, you will only be left with aggravation and may still have to pay more in the end to get the job done.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of credit cards and student loans XXXX XXXXXXXX XXXX XXXX$440.00}, XXXXXXXX XXXX XXXX {$2300.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX of XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX {$1300.00}XXXX XXXX XXXX XXXXXXXX {$420.00}XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$2200.00}. Inquiries : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The aforementioned accounts, collections and inquiries appearing on my consumer credit report that is being maintained by you was not opened, made or initiated by me and are a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

CAPITOL ONE HAS NOT SENT ME MY PAYROLL DEPOSIT DUE TO THE SYSTEM HAVING A ISSUE
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$34.00}.