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

On XX/XX/XXXX I paid off the remaining balance on my GAP Synchrony Bank Store Card. On XX/XX/XXXX My carr was closed by Synchrony bank. I was told by three separate representatives that my card was closed due to other financial obligations that I failed on. I had lost my job and was struggling to keep my head above water. Nonetheless I was told that because of my credit report my account was closed. I dont remember giving Synchrony Bank permission to review my credit report beyond my initial application. I explained that the closure affected my credit score in a major way negatively! Especially since Synchrony Bank waited until my balance was paid in full! Before they  closed my account. My credit score had suffered tremendously!! And I am now unable to qualify for a Mortgage because they refused to review and reopen my account. Now originally I was told it was because of my credit report. But the letter they sent me after I filed a dispute with the company says something completely different. The letter says that my account was closed because of Prior Unsatisfactory obligation to Synchrony Bank. And I have reason to believe that Synchrony Bank closed my GAP store Account as a form on retaliation/punishment for falling behind on my Payments with my Walmart Card!!! Also held by Synchrony Bank! This is completely!! Unfair! How is Synchrony Bank allowed to close my account after its been Paid! And why was I told one thing but given a letter that completely contradicts what was told! 

Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. XXXX received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Product: Credit card

There is a credit card charge off from Wells fargo of {$410.00}. and this was an account i never used.
Product: Money transfer, virtual currency, or money service

I signed on in XX/XX/XXXX to a debt settlement program with Americor Funding. They represented their service as negotiating very large reductions in credit card amounts owed, with fees taken out of an escrow account that also pays the creditors. They represented their average savings as 50 %. As of XX/XX/XXXX, they offered settlements with two creditors, XXXX XXXX  and XXXX XXXX, at 66.87 % and 62.41 % of the original amounts owed ( $ XXXX {$2100.00} and $ XXXX {$5400.00} ). This much was disappointing, but understandable. After calling the company to see whether they could push the numbers closer to the 50 % offer and being told they couldn't, I accepted those settlements.

HOWEVER, when I went on their website today to see the transactions over time that I had agreed to ( hidden behind a few tabs ), I noticed that the settlement fees being charged were so high as to render the service nearly pointless. Actually, worse than pointless, when the impact on my credit score and the stress of receiving threats of legal action, of obeying their advice to stop making payments to the credit card companies, are factored in. 

For the XXXX XXXX  account, the settlement fees add up to {$520.00} - for total payments, *after* settlement, of {$1900.00} related to that account. That is *91.8 % * of what I originally owed before signing up with Americor Funding. For the XXXX XXXX Account, the settlement fees add up to {$1300.00}. Added to the settlement amount of {$3300.00}, that is 87.4 % of what I owed before agreeing to Americor 's program - which again, instructed me to stop making payments I otherwise would have made a good faith effort to pay. 

The only way to figure out these total fee amounts was to go line-by-line through an out-of-the-way tab on the website and make these calculations myself. Given that the company advertises average savings of 50 % off original account balances, based on the settlement offers *alone* and not including its fees, I believe its marketing is clearly deceptive. I was okay with paying 2/3 of the original amount in the settlement rather than half, based on the company clearly stating results may vary in that regard. By contrast, it is obvious that the company is hiding the impact of its fees on the final outcome. 

This is unacceptable and wrong. Had I been aware that I'd have to go through months of stress and sub-500 credit scores for a *10-12 % * overall savings, I *never* would have signed up for the program.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hello, I'm being charged on my loan account for XXXX dollars by Macy for an credit card i never owned or ever purchased back in 2016.
Product: Credit reporting or other personal consumer reports

I have seven hard inquiries on my report that I do not recognize. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Syncs/amazon XXXX XX/XX/XXXX Syncb/TJX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY REPORT BACK ON XXXX, XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCIES PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT THE REPORT RELATES. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS LISTED BELOW BECAUSE ( COLLECTION XXXX OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( COLLECTION XXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE I GOT THE INVESTIGATION BACK NOTHING WAS MODIFIED OR UPDATED SO I REQUESTED A DESCRIPTION OF THE RE INVESTIGATION THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLATION OF 15 USC 1681i7 they are violated 15 usc 1681i ( 5 ) can you look in to this matter
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Checking or savings account

I opened online savings account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXn XX/XX/year>. I scheduled XXXX transfer from my account at XXXX XXXX XXXX on XX/XX/year>. My funds were withdrawn from XXXX XXXX XXXX on XX/XX/year> and processed by XXXX. The fund however were credited to my account on XX/XX/year> at XXXX. 
I have lost interest on my funds of 5 days inspite of XXXX transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes for accounts reporting on my TRANSUNION credit report that do not belong to me. I have submitted multiple fraudulent disputes where Transition states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. it is a violation of my consumer laws to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting on my credit report.
Product: Mortgage

I was in forbearance with LakeView XXXX XXXX  due to the pandemic. I was able to get back on track and stated that I was ready to stop the forbearance further. 

This was supposed to be stopped in XXXX for a total of 6 months, but they decided to extend this to XXXX. A monthly payment of XXXX to the lean and instead of it being XXXX, they included the additonal two months which increased the amount in the lean to XXXX. 

I accepted the partial claim and this is why the lean was created. What happens is FHA/HUD pays the lender this amount and then the amount is set into a leaned account. I was told by FHA that it was supposed to stay with the same lender, but XXXX decided to put this to a completely different provider which is not allowed in the cares act. 

What the results of what happened are as follows : Im rounding down so the figures are easy to understand. 
my origination loan amount was XXXX currently my principal is at XXXX because the months I paid went straight to principal. ( Even though they stated to start paying in XXXX and not XXXX ) XXXX put XXXX against a lean, which is fine. 
But, what about the XXXX that XXXX got from FHA/HUD? 
Where did that money go? Sure didnt go to my principal or account. 

I should not have a total principal amount due that is greater than what my loan origination started with in 2019. 

Now the total amount that I owe is XXXX I called FHA, and the example they provided is if you have XXXX in principal due. You go on forbearance for 6 months at XXXX per month. Then once the partial claim is processed, an amount of XXXX will be in principal, and XXXX in the lean. 

This makes sense as the origination of the loan did not go up. But this is not what XXXX  is doing. Since they did this to me, then I know they are taking advantage of other customers that had no choice but to get help during this pandemic. 

The cares act was not designed for people to owe more money than what they agreed to loan for the purchase of the loan. They did not move money from one account and then put that amount in the other. They did a debit on my principal when it should have been a credit. 

Additionally, in the payments made, shows my principal in the payment section to be XXXX. Yet, the statement shows XXXX. This is completely conflicting and further proof that XXXX is not properly handling partial claims or something else is happening with the money that they are given from FHA/HUD. 

Lastly, I have requested XXXX management to call me on four separate occasions. I have yet to hear from them. Then, the last time I called, I was finally able to get someone to understand the scope of this who stated " this is not right ''. She then messaged her manager who replied to her who then told me " our hands are tied and we can not do anything for him, and the only way to resolve this would be to file a complaint. ''
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having plenty of funds when charges were authorized I was charged fees do to lag posting of charges and credits.
Product: Debt collection

I am submitting this complaint on behalf of my son ... my son is in XXXX several months ago ... my son received a letter dated XXXX XXXX. 2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his XXXX at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..today..XX/XX/XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in rehabilitation for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up to my formal complaint regarding unauthorized inquiries that remain on my credit report despite previous attempts to have them removed. This non-compliance by Experian and XXXX Credit Bureaus are a clear violation of the Fair Credit Reporting Act ( FCRA ). The inquiries listed below have not been authorized and need to be addressed : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had an account with current XXXX  company who is backed by XXXX XXXX XXXX and initially they sent my first direct deposit back to the depositor citing suspicious activity when there was none. Then they froze my account and that was a year ago. They still hold {$60.00} of my money and I want it back. It has been a year that they say they are investigating. That is ridiculous. It was from unemployment for XXXX XXXX. They cost me a lot I lost my car and my home due to their irresponsible behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Transunion in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or e-Oscar verification is unacceptable.
Product: Money transfer, virtual currency, or money service

I believe it was a mistake to close my Paypal account. I am using my paypal account on receiving funds as payment on my client XXXX XXXX XXXX. XXXX XXXX and i'm using it since XXXX Paypal accounts XXXX has stucked funds that i need to widraw for paying my bills. I am hoping that i can get back my account and widraw my funds. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$580.00} with XXXX, XXXX, & XXXX credit reporting agencies. This debt was previously removed then later resold and reinserted back onto my credit reports. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within XXXX business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.
Product: Debt collection

I don't know the dates. But I'm being sued for a online loan which I have no knowledge of taking out. I went to the XXXX XXXX bank and they said it was account open and closed. The account numbers aren't matching up with the numbers the lawyer has vs the bank paper and the dates aren't either. I was told by the bank to come to this website and make a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's name, address, and hard inquiry appeared on my Experian credit report. The reason is likely that someone having a similar name, having no SSN, and living in the same university housing I lived in many years ago tried to apply for credit. This is not the first time Experian mixed my credit report, and I never had similar issue with XXXX or XXXX. 

I contacted Experian for dispute. They recognized the issue of mixed credit profiles, and they removed the extra names and addresses, but they refused to remove the hard inquiry involved. Experian and the bank making the hard inquiry now both ask me to resolve with the other party. I can not solve this problem by my own, and I'm seeking legal actions. 

I believe Experian is at fault for combining credit reports with their problematic software system ( XXXX and XXXX didn't have any similar problem to me, no wonder that Experian 's poor software resulted in data leaks ). I previously told them not to combine my profile with another having no SSN or having another name, but they are still doing so. 

I believe the banks making hard inquiries are innocent since it is a standard practice to report credit applications without XXXX to credit bureaus, and that banks have no control ( or even any knowledge ) that Experian provided the wrong person 's credit report.
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE I owe a balance of XXXX I paid this off XX/XX/2018 please have the correct on all three of my credit reports
Product: Payday loan, title loan, or personal loan

I made a payment to payoff the loan on XX/XX/21 as there is an option under the make a XXXX time payment for additional principal payments and payoff quotes. I paid what the amount was. I went back to check the account on XX/XX/21 and it showed I had a balance. I called the office and spoke with a representative who told me payoffs could not be paid online although the option was there. So I made the final payment with interest included with the representative over the phone and was assured the payment would process and Id have a XXXX balance. I checked the account once more and its now showing I have a balance due of {$1.00} and to payoff would be {$1.00}. I have called and emailed to have the situation resolved with no success. The company is practicing in deceptive tactics to continuously receive extra payments for errors in their payment processing.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The collections company XXXX XXXX XXXX has bought a false debt from my previous landlord. I absolutely have no ideal what this debt is about. XXXX XXXX was my previous landlord. They are responsible for sending the false debt to collections. They are trying to make me update or remodel there apartment. I never damaged anything in the apartment. Why should they be allowed to write an itemized list and send it to a collections company. This is ruining my credit. I feel helpless in this situation. Landlords should not be able to do this with out going to court. They should not be allowed to just sale it to a collections company. This matter should have been settled in court. I have no rights in this manner. I had a lawyer send NCC a letter for verification of the debt. He sent two letters before we received a response. The letter they sent for proof was just a written out piece of paper. I mean how is this proof? No picture of a messed up apartment, absolutely no verifiable evidence. I disputed the case with XXXX. They refused to take it off my report. XXXX said this was a verified debt.