23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.
Product: Student loan

I made the payment due ( {$180.00} ) on my loans on XXXX XXXX days later Nelnet initiated a second payment for the same amount and then cancelled it. I did not authorize an extra payment and I did not cancel any payment. Nelnet is now reporting an overdue balance of {$180.00}. The Department of Education informs me they have reported my loans as being delinquent. I assume this is being reported to credit bureaus as well. I called Nelnet on XX/XX/XXXX and waited on hold for over an hour. The agent told me that requests would be filed with their accounting department and that the discrepancies on my account would be resolves within three days. Nelnet has not revised the status of my accounts since I spoke with that representative and I have received no further communication from them. My account still shows a past due balance of {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible
Product: Debt collection

beginning of XXXX of last year, credence resource management has been trying to collect a debt for XXXX that has my name on it but not my correct phone number i have never changed in 20 years. They did attempt to verrify debt by sending 4 of the most recent but any name can be entered there by them so they can collect on fraudulent debts. They say I owe {$1300.00} in one letter {$1300.00} again for another account, {$220.00} and {$170.00} all in the 6 months that it says the account was open for. I informed them this is not my debt not my phone number but they do their own investigation and replied on or about XX/XX/2022 that I owe this debt on a phone I have never used. For 2 years they not only have marked me as a bad cobsumber for a debt that is CLEARLY not mine.
Product: Checking or savings account

XX/XX/24 at XXXX I went into the branch to deposit {$540.00}. It was six {$50.00} bills {$200.00} bills and two {$20.00} bills. I looked down for one moment to put my card into the machine when the teller tells me my money was {$50.00} short after she counted it. I did not see her, but I counted three times in front of the counter and also in front of the cameras they are saying that they can not pull the cameras without a police summit so I am currently in the process of making this a silver matter with the courts and I also have a police report against the bank
Product: Vehicle loan or lease

I am a XXXX XXXX XXXX man with multiple health issues. It was important that I have reliable transportation and this prompted me to purchase a XXXX XXXX XXXX. I wanted to purchase a truck due to the need for XXXX XXXX XXXX where I live. I expressed that my needs were health related to the dealership. They did not have the truck which I desired to purchase and that was equipped for my needs. 

The dealership requested that I put a deposit of {$500.00} down to bring a vehicle from another dealership. I was assured the vehicle was brand new and it would be equipped as I needed. I was not provided a picture of the truck prior to my deposit. 

1. The truck arrived and was equipped with mirrior 's which were different than the ones I expected. I began the signing process on XX/XX/XXXX, but then there seemed to be high pressure sales tactics used against me. I walked away from the dealership before even test driving the vehicle. Several days later the dealership attempted to get me back into dealership. I told them I did not want the truck and they seemed to be pushing me into the purchase. 
2. I returned to the dealership on XX/XX/XXXX and I requested to take the vehicle out for a test drive before I signed for the purchase. I noticed there was 160 + miles on the vehicle at this time. Yet the paperwork was submitted for my signature with 66 miles on it and I did not understand why. I requested that the documentation be changed to reflect the true mileage but I was told " it was late, and what was 100 miles ''. I kind of agreed but now I disagree. 
3. I drove the truck from the dealership home that evening and to our Church where I have served as a XXXX  for 24 years with XXXX salary. I drove home with some members of the Church and the truck began to have white smoke and not shift properly. I pulled over to the side of the road and turned the vehicle off. I was able to get the truck home and I had my son " a man like my son '' take the keys and attempt to drive it to the dealership for repairs. He began to pull out of my driveway and the transmission would not shift and ultimately I had to have the truck towed to the dealership. I bought a brand new truck not to have issues and now within the first 100 miles I have an issue.

4. The service department manager looked into the computer and noticed this vehicle had an issue like this previously ( non disclosed ). Further details of all these events are enclosed my documentation.
Product: Debt collection

Advanced Collection Bureau Inc, received my Cease and Desist letter, last year. Though they have not contacted me directly, they're still contacting me indirectly through the mediums of the credit reporting agencies, by still attempting to collect an alleged debt. And according to 15 u.s.c. 1692a2, they've breach the contract agreed to in my initial letter and they've broken federal law. Which states, that whoever violates section 6821 under title 18 shall be fined or 5 years in prison for knowingly and intentionally furnishing fraudulent information on a consumer.
Product: Credit reporting or other personal consumer reports

A letter was sent on XX/XX/year>. Transunion never responded on how they verified the account nor did they respond in general.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a vehicle on XX/XX/year> and when they pulled my credit, my credit score dropped XXXX points since the last time I checked. I found on there an account " XXXX '' that I have never opened.
Product: Credit reporting or other personal consumer reports

XXXX. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

XXXX. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my XXXX  and Equifax. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.
Product: Mortgage

We had a temporary loan modification with Covid 19. We requested a updated loan modification before our modification was up. They said we did not qualify for a new modification ( they never asked for any financial information from us on our jobs or anything. Just sent us a letter saying our options were repayment plan. The first payment was due and I posted the payment. Them they sent a letter stating they withdraw the repayment plan because I didnt pay it by the due date. When I called I asked if I could post the payment for the end of the month. They told me I have no other options
Product: Mortgage

This is the second time I am filing a complaint against my mortgage servicer- Loan Care llc . The first time was recently and Loan Care never actually responded. Since around XXXX of XXXX, I have been trying to take advantage of the lower interest rates. I tried refinancing with several other companies and was advised, though my credit rate is excellent, I dont make enough money to get a lower rate. I then went to Loan Care. They advised me to first apply for a refinance, which I did. I sent all the documents required in a timely manner. I was again rejected because my debt to credit ratio was a bit to low. I was then sent to their loss mitigation dept in XXXX of XXXX. I have been again sending all required documents requested in a timely manner, several times. I had a feeling they were purposely making it difficult because they didnt want to treat me in a fair manner. Finally after 5 months of going back and forth with them, I was told on the phone they dont do loan modifications if my account is not behind. I asked why did it take 6 months to tell me that? I requested that decision in writing. A few days ago I received a letter saying I was denied because I didnt send my documents on time. That is an absolute XXXX. So, I need to know what my next step is. I will be contacting XXXX XXXX who own this mortgage as well as the XXXX XXXX XXXX. I am stuck with a mortgage rate much higher than the current rates. I filed for bankruptcy in XXXX of XXXX and eventually got my credit rating back up to excellent. Must I again file for bankruptcy// I really dont feel I should have to. I know part of the current care act XXXX XXXX  offers Flex Modification programs. I dont care what you call it, I should be able to take advantage of the current lower mortgage rates. My credit is excellent, but I am on a fixed income. I need to be treated fairly and honestly and Loan Care llc refuses to do that. Please help!!! My current age is XXXX. The house I live in has been refinanced several times and I even was one of the first people to get a loan modification through President XXXX making home affordable program, even though it tookl two years and a bout of shingles. i was never late then either. i know i fall into the financial bracket where a flex modification program would fit me perfectly. my equity is not enough for a reverse mortgage yet. THOUGH MY MORTGAGE IS NOT BEHIND, IT IS A CONSTANT STRUGGLE TO KEEP UP WITH IT. I thought that was the purpose of a flex modification, to avoid getting behind. LOAN CARE LLC, IS A HORRIBLE COMPANY to deal with. The absolute worse I have ever dealt with. I will also file a complaint with the XXXX. I WONT give up until I get what I should. l want LOAN CARE LLC TO ACT in good faith-either refinance my mortgage to a lower rate or give me some type of help until I have enough equity to get a reverse mortgage.
Product: Checking or savings account

On XX/XX/2024, unauthorized transactions were made from my Bank Of America debit account of {$6000.00} and {$760.00} to my XXXX account. First, i contacted Bank of America to file dispute of a fraud charges on my debit account. Then, i contacted XXXX to findout if they can refund the money back to my bank account. XXXX refused to refund because somebody place wagers associated with {$6000.00} and {$760.00} and results of the wagers were losses. I explained to XXXX that i did not authorize the wagers and i assured them there were fraud activities on my account. XXXX still refused to refund. Back the dispute charge that i filed with Bank Of America, Bank of America denied my dispute claim because " they find im responsible for the charge '' without giving me a thorough investigation of their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an updated copy of my Experian Credit Report. I discovered ( 32 ) credit inquiries listed on my Experian XXXXredit File. I immediately contacted Experian, who advised me that I needed to contact the companies who requested inquiries directly. I wrote a letter to each company detailing the fact that I had not granted any one permission to research or view my Experian Credit report. I asked each company to investigate the unauthorized viewing of my personal information. In addition I asked Experian to please investigate and delete these unauthorized inquires from my Experian Credit report. As a result i am contacting your agency to request assistance with enforcing my rights under the fair credit reporting act. There is already a Fraud Alert listed on my Experian Credit File. When I reviewed the fraud alert, I observed that the telephone number listed on the fraud alert is also fraudulent. I need this information updated to show the correct contact number, and I need the fraudulent credit inquiries deleted from my Experian Credit File. I thank you in advance for your assistance with this problem, and Happy Holiday 's.
Product: Credit reporting or other personal consumer reports

Remove hard iquiries :
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or XXXX XXXX will not remove their account information from my credit report with all XXXX Major Credit Bureaus XXXX XXXX XXXX, Equifax, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX bank XXXX XXXX XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX Team who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate becausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.
Product: Checking or savings account

I signed up for the Amex Business Checking account after learning of the following promotion. 

XXXXXXXX XXXX XXXXXXXX The promotion offered XXXX points after depositing a certain amount of money. When I went to set up the account, the offer had been lowered to XXXX. At no point during the application process was I informed that I was ineligible for the offer. 


This is the transcript of my chat with Amex >>When I signed up for the amex biz checking there was a promo for XXXX rewards. When I was setting up my account today, I noticed that the reward bonus had been decreased to XXXX >>I understand your concern to verify your Welcome Bonus details, XXXX. Can you share with me how you received and applied for this offer? 

>>Here is the link XXXX XXXX XXXXXXXX >>Thank you for sharing this information. How did you receive this link? 

>>I was thinking of applying for amex biz checking and XXXX " amex biz checking signup bonus '' and that was one of the first things that came up >> Thank you for confirming that information, XXXX. I have confirmed that the XXXX Welcome Bonus offer is valid only via email invitation. Your account would not qualify for the Welcome Bonus if you've used a link found on Amex website, XXXX, XXXX or that a Friend shared ; even if the XXXX works for during application, you would have had to be invited via email to take advantage of the XXXX Welcome Bonus offer. 

>> Hmm. That's a bit misleading. The link was on multiple XXXX listings which isn't exactly an obscure place to be looking. In addition I checked the link itself and it's a very generic link. It does not appear to include any special codes or values. 
It was also be important for amex to mention if the offer isn't applicable to the applicant during the extensive application process >>I completely understand your point of view and would be more than happy to note your feedback to the appropriate parties. We have been notified of different blog sites where individuals would share unique promotional links, however, we've confirmed that this promotion is email invitation only. 
To ensure our customers receive the same excellence in servicing, we can not make exceptions to meeting the qualifications including matching the bonus offers. 

>>I would argue any good consumer before purchasing/buying/signing-up for anything would at the minimum do a quick XXXX search to see what is out there. I find that disappointing to say the least I understand your concern, XXXX. I appreciate your insight that you have provided, as your feedback is important to us and will help American Express make the necessary enhancements.
Product: Vehicle loan or lease

I authorized Branch Banking & Trust ( BB & T ) to make a hard pull on my credit for an auto loan. But they accidentally made XXXX hard inquiries within XXXX days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.
Product: Mortgage

The company, Nationstar/Mr. Cooper/RightPath Servicing, is still not honoring the loan modification agreement made to me XX/XX/XXXX. As of the date of their letter, I was not allowed to make payments online. I called and tried making payment on XX/XX/XXXX and was told the system wouldnt accept my monthly payment of {$1100.00}. I called the next day XX/XX/XXXX and spoke with XXXX XXXX and he also said i couldnt make a payment. Due to the system wanting the full balance in lieu of the modification agreement. I called Monday and spoke with XXXX. Still not able. I called the next day, Tuesday XX/XX/XXXX and XXXX was able to accept my payment by re-coding. The funds have been in a suspense account ever since. Unapplied even after Ive asked numerous times for it to be, and Ive been charged a let fee because they have yet to reallocate the funds. I was told to resubmit my modification paperwork, by XXXX XXXX. The next day his boss XXXX XXXX XXXX informed me a new copy of the loan agreement with original terms would be coming via XXXX XXXX. I mailed both in and even called to give them the tracking numbers, that i still have. On XX/XX/XXXX, I was called by XXXX XXXX and instructed to pay XXXX payments which i did on XX/XX/XXXX because the system wouldnt patch me through to anyone on XX/XX/XXXX when i tried making the payment. XXXX of which was for XX/XX/XXXX, which i was originally told to not pay so that the underwriters had time to process the numbers and any payment made in that time would cause them to have to start over and delay the process. So I now have XXXX payments of {$1100.00} ( {$3500.00} ) that should be going to my monthly payments that are in a suspense account that they wont reallocate while theyre charging me late fees on, as of this letter, and Im told that they would try to honor my modification but cant promise, when i have multiple correspondences where they admit their error and agree to honor the offer that THEY made me almost 14 months ago. ... XXXX payments. Right before XXXX. Just to sit in an account and not be applied so they can charge late fees. 14 months of them saying theyre going to honor the agreement, just to let a few weeks go by to say Ive been denied the modification legally agreed upon over a year ago. Please assist & let this serve as yet ANOTHER notice of THEIR error in need of correcting ... .again.
Product: Credit reporting or other personal consumer reports

My information was compromised into the Equifax XXXX XXXX which cause my credit score to drop and ruin everything. This error is Illegal and Unethical. Equifax failed to investigate and will not take the responsibility of their actions. Please remove all the unauthorized accounts. I did file a FTC report as well.