23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????
Product: Credit reporting 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. 

Account Name : XX/XX/XXXXAccount Number : XXXX =================================== UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP! 


XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I used Amex credit card to book a flight last XX/XX/year> amounting more than $ XXXX however the transaction failed so I used a discover card and it worked. But after a few days, Amex is already billing me so I filed a dispute regarding the charges. It's been 6 months now and they're still billing me the failed transaction. I even asked XXXX to provide proof that the transaction failed and was able to submit it to Amex. I just found out today that my credit score dropped XXXX because of the failed transaction.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX AV, XXXX, PA, XXXX Employer - XXXX XXXX  Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I received notification from the credit bureaus that a debt collection was added to my reports in XX/XX/2018. I did not receive any prior notification of this debt nor was I allowed time to dispute this collection. I do NOT have a contract with this company. I called the company in XX/XX/2018 and spoke with XXXX XXXX, and she stated that she was a team lead and that they did not have to notify me prior to reporting to the credit bureaus. I am requesting that this collection is removed immediately from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, XXXX, XXXX, and TransUnion.
Product: Checking or savings account

On XX/XX/XXXX I asked for and received a link sent by Chase to open a checking account. I completed the information and was denied. There was no explanation as to why I was denied. I contacted ChaseSupport on XXXX and they said " after further review, it appears we'll need to speak with you for further support. '' I called the number they provided on XXXX at XXXX. After eleven minutes, the customer service person said they could not provide information about why I was denied. They transferred me to their escalation department, who reiterated that they could provide no information. The escalation person then suggested I go into a branch - not to find out what happened, but to try to open an account. 

Prior to applying to Chase, I asked Chase whether my XXXX score of XXXX or XXXX bankruptcy discharge would result in a denial. They encourage me to apply on the basis that they consider many other factors. Their application, however, asked only for my name, address, phone number, SSN. date of birth. They did not ask for my income nor any employment information. This suggests that, contrary to their assertion, they look ONLY at credit information. 

The XXXX file on me shows appears clear, depending on how you define that. 

The issues : XXXX ) Chase refused/declined to provide reasons for the checking account denial when timely asked both through private message on social media and through telephone contact with their customer service. 
XXXX ) Prior to submitting my application, Chase asked for my authorization to obtain credit information and its obligations to provide reasons under the FCRA have been breached. 
XXXX ) Worse, perhaps, is that based on my experience, Chase seems to have a systemic method of refusing provide reasons for checking account opening denials, or, if that is technically not the case, they make the process so onerous to obtain the information guaranteed by the FCRA ( i.e. reasons ) that it amounts to a denial to provide reasons. 

I have kept screen captures of all XXXX interactions and recorded the phone call with Chase ( during which they indicated that the calls were recorded, so there is no consent issue ).
Product: Debt collection

This dispute comes regarding a letter dated XXXX XXXX, received on XXXX XXXX, XXXX, relative to past due account for the above referenced apartment. Pursuant to numerous telephone conversations with XXXX, XXXX and XXXX, in the Leasing Office, prior to submitting the 60 DAY NOTICE OF INTENT TO VACATE, all contractual obligations were fulfilled, according to discussions with the Leasing Office Staff, for vacating the apartment. The last conversation was in person on XXXX XXXX, XXXX, with XXXX who reviewed the obligations and confirmed the rent should be paid on XXXX XXXX, XXXX for the full monthly rental amount, and XXXX XXXX, XXXX in the amount of {$330.00} Also attached is a copy of the Move-Out-Key Return The apartment was left in exceptionally clean condition, pictures are available. 
I am certain this communication will clear the miscommunication.
Product: Credit reporting or other personal consumer reports

Equifax will not send my credit report I also unable to view on their website.
Product: Credit card or prepaid card

On XX/XX/2020 I closed my Visa Credit Card Account. I sent a final payment which bank never received. Now my credit report with XXXX is reflecting and increasing the amount of deficit I owe. I called Synchrony Bank/Gap Visa and made a final payment again, registered mail. The problem here is that there are at least 5 different mailing addresses for this credit payment. I forwarded all this info to XXXX, filled out their dispute form and would like to include XXXX in this complaint as XXXX and XXXX had no problem handling all of this credit XXXX over the phone and resolved it. 
I believe Synchrony Bank/Gap Visa has a major problem with keeping track of credit card payments and handling its customers thru XXXX. XXXX seem to relish all the paperwork and hoops that they make their XXXX-rated consumers have to jump thru to get a simple job done.
Product: Student loan

My student loan was originally serviced by XXXX XXXX, which was acquired by Nelnet in early 2018. Since the migration to Nelnet, my payments ( and payment overages ) have not been applied correctly, despite the issuance of special instructions. I have one loan group ( A ) with two loans ( 1 & 2 - subsidized and unsubsidized ). I want both loans to have the same balance moving forward, thus requiring equal allocation of all future payments. I have twice attempted to equalize the present balance between the loans by making small payments, then, I requested that all additional payments and overages ( since I pay more than the minimum payment ) be allocated equally so that loans 1 & 2 have identical ( or near identical ) balances at all times. Nelnet has, after repeated requests over months, consistently misapplied payments and failed to achieve this task. Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX XXXX complaint XXXX XXXX  no one responded I will attached all of the documentation to here so that all can be seen.
Product: Payday loan, title loan, or personal loan

I wanted to take advantage of the opportunity to change my payment date due to my current payment date being due the same time as my mortgage payment. 
Upon logging into the Sofi App, I clicked on my existing personal loan and then clicked on my loan details, there was an option to click on called, due date. When I did, it allowed me to select another date within the month. I changed the date from the XXXX of each month to the XXXX. When I selected this option I was alerted to two notifications at the change of date : 1 ) it may take 1-2 cycles for the new payment date to take effect & 2 ) that I would not be able to make another change to my payment date for another 12 months. 

After 2 months my new payment date was updated, and I noticed immediately after I made my payment on the XXXX of XXXX and they made the change to the new date of the XXXX it was requiring me to make another payment in the same month ( XXXX ). I reached out to customer service multiple times through phone and email to inquire ; however, not only do I keep getting a different representative every time, but no tangible or sufficient information to show I received proper notification that if the new due date was more than 15 days in between selecting a new payment date ( companies policy ) that I would need to make two payments in the same month. 

In a few attempts in reaching out to customer service and asking to speak to higher level managers, I keep getting the run around in that the system should have alerted me and my responsibility to read before accepting ; however, the company cant seem to provide this notification that I would have seen or acknowledged. In fact, one customer service response was, I am not able to provide a copy since it is system generated on the customer side. Why is the company unable to provide a notification from their system to the consumer alerting an additional fee or payment upon selecting the option? Why cant the company show me I in fact received this notification or went it was sent. The company sends me notifications all the time regarding payments, balances, changes to my loan ... but no notification in my alert section about this double payment in selecting a new payment date if outside of 15 days. The app did not provide this information and therefore misleading in requiring a second payment in the same month when my original goal had been to help alleviate two large payments being due at the same time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute some items on my Experian Credit Report several times as they are inaccurate. Ive been trying to dispute them for 2 years now. I have items on there that are over 7 years old and they have been picked up by collections which shows another account for same creditor. They will not remove these inaccuracies from my report.
Product: Consumer Loan

We are in financial trouble due to a combination of factors, including an unplanned job change that resulted in income reduction, and an eldercare situation in which my wife and I have become the sole caretakers of her XXXX old mother with no assistance ( timewise or money ) from other family members. Although we were not debt free to start with, these circumstances have greatly increased our debt ( both credit cards and unsecured loans ) ; while not large, used up the 401K and pension funds I had saved ; and prevented my wife from working due to caring for her mother. After my pension/401K money was used up we finally " hit the wall '' where our debts and living/eldercare expenses exceeded my income. I am not unwilling to pay our debts but need help doing so - I am entering into a Debt Management Plan with a non-profit credit counseling organization, which is helping me get reduced payments and interest rates from my creditors so I can pay them back over time. I chose this option because I do not wish to default on everything and enter into debt settlement ; neither do I want to declare bankruptcy. Nearly all my creditors are cooperating with my debt management efforts except XXXX. I took out a $ XXXX peer to peer loan with Lending Club in XXXX and was about halfway through the 60 month repayment period when all this came to a head. I still owe $ XXXX and the payments are $ XXXX/month, which is killing me as I try to tighten my belt and make this DMP work. Lending Club refuses to participate in the DMP. I have called them personally on several occasions and indicated I am committed to repaying my debt but that I need a lower payment to do so. The only assistance they have given is to push back the due dates to give me a little more time to get they payment together. Unfortunately under our present circumstances there is almost never {$360.00} available that is not needed for something else. I delayed the XXXX XXXX payment until XXXX and was able to pay it mainly because I had stopped paying my other credit cards in anticipation of the DMP. The XXXX payment has been pushed back to XXXX XXXX and as I am making the first payment into my DMP, I do not have enough funds to pay it. Likewise I am not sure how I am going to be able to continue the monthly payments moving forward. I acknowledge that I did agree to Lending Club 's terms, and was able to abide by them for 2.5 years, but things have changed and I am teetering on the verge of bankruptcy, which is not the most favorable outcome for either of us. I have difficulty understanding why Lending Club will not budge when my other creditors have been surprisingly cooperative. Is there any kind of help I can get short of bankruptcy.
Product: Payday loan, title loan, or personal loan

I needed money for license plates and tires so a first i tried to borrow {$1500.00} but cpouldnt affor {$300.00} a month payments so i went with borrowing {$500.00} with an interest rate of 243 % i later found that you cant loan over 36 % in Montana. Also that payday loans are illegal here. The man on the other of the phone said it was 7 %. I have tried to call with no answers. 
This was msupposed to be a monthly loan or i would have noticed XXXX payments instead of XXXX in the installment page online. 
they made no mention of payday loan but the AG office said that is what i have gotten into. 
I needed the money and they took advantage of that and totally decieved me through the whole process. 
am taking steps with the AG here in Montana
Product: Credit card or prepaid card

Do you know anything about security charges that occur on Synchrony credit cards? Initially when we bought approximately {$3700.00} work of musical gear with a 48 month zero percent credit card offer through XXXX. I spoke at length with Synchrony and set up autopay with the right monthly amount so we could just forget about the card and let it pay itself without interest. When I went in earlier this week to get info for tax purposes I realized weve been getting charged between $ 42-46 a month for security and then {$2.00} a month interest on top of that as it was just increasing our amount owed and those 'security charges ' did not count as 0 %. We never were informed or asked about this and its racked up almost {$700.00} worth of extra charges on our account! This is unethical and criminal. If I hadnt have noticed, it wouldve keep racking up into the thousands and we would never have been able to pay off this card. 

All of the monthly charges on the bill had an XXXX number next to them. I tried calling Synchrony first and they said they could do nothing about it. They knew what I was talking about but said that Its a 'separate company ' and separate phone number from the regular credit card service. When I finally got a hold of any alternate number for security they tried to tell me that I had 'opted in ' and accepted the option to be charged that 40+ dollar monthly fee when I signed up for the card. When I rather aggressively informed them that in no way had I opted in for anything of the sort, they told me that I would get a {$670.00} credit on my account within 48 hours. I XXXX it and it seems Synchrony has done this quite a few people with other store cards ; charging people this {$40.00} a month fee without their knowledge. Its amazingly unethical! The fact we were being charged interest on top of that because of it is even worse. There's no way I agreed to this as I am extremely thorough when I sign up for credit card applications. Someone is making a huge amount of money off of this and Synchrony knows about it.
Product: Checking or savings account

My savings account at Huntington Bank had XXXX withdrawals in XX/XX/2024 that wiped out my saving account of over {$11000.00}. I filed a complaint about the savings account and checking account. The checking account money was returned while the savings account has not been returned. It's been over a month since I filed my complaint. Today, I called and found out the investigation had been closed. Huntington investigators claimed that the money was taken by a device used for the past year. I had them re-open the case as fraud. Huntington did not associate the theft of the checking account with my savings account. I never authorized any withdrawals. This is clearly fraud.