23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sir/Madam, I have a Bestbuy credit card. I made regular payments since 2 years. I started falling behind my payments since approx. 3-4 months. I had a debt protection plan on this card. I am unemployed since XXXX 2015. Still I manage to pay payments till XXXX 2015. I asked Best buy card to waive off my balances as I can not pay the balances. They first asked me I must enroll to State Unemployment agency. Since my United states XXXX application is pending so I told them that I cant enroll as I am not eligible to receive unemployment benefit. They argued and latter asked me it is enough to enroll with job portals which I already have been registered with major job search websites. They sent me a form to fill up and send back to them. I could n't send them the form on time and I sent it couple of weeks. They kept sending me bills. And now I received a letter saying they have cancelled my debt protection plan and closed my account and I have to pay late fees previous balances total {$350.00}. They also mentioned that I have full balance payment of {$1300.00}. I am feeling cheated now and frustrated. They knew my situation still they are doing this.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading.

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance.

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections one month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit.

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA XXXX ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required 30 days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal account which holds {$270.00} of money collected from sales on XXXX. The PayPal website gives you the option to have them send you a check for a {$1.00} fee. I asked for a check in the amount of {$270.00}. However, the webpage sends an error message when I try to request a check. Here is error message : " Before you may withdraw funds by check, you must confirm a non-P.O. Box address or become Verified by adding and confirming a bank account. You can confirm your address and request a check immediately by clicking on the Add a Confirmed Address link. '' However, no " Add a Confirmed Address '' link can be found on anywhere on the website. I reached out via chat to PayPal, and they told me that the only way to get my money is to link my bank account to PayPal. I do not want PayPal to have my bank account information. I want them to send me a check to my home address. In reaching out to PayPal, they refuse to give me my money and they refuse to close my account until I give them my bank account information so they can transfer my balance to my bank account. 

Basically, PayPal is holding my money hostage until it gets my personal bank account information. That is wrong.
Product: Credit card

I paid off a balance of approximately {$9000.00} from my rewards credit card on XX/XX/year>, per bank records. I checked my credit through the bank app before paying and it showed XXXX different balances on my rewards credit card. I gave it XXXX days and logged back into their credit report website, where I was shown an outstanding balance of approximately {$7500.00}, for a card they replaced months ago. I sent the bank an email trying to get a response or this issue cleared. Instead I got charged a {$20.00} interest fee on a {$0.00} balance. I have proof my balance was paid off, entirely. Yet the bank is affecting my credit score with this false debt.
Product: Credit card

To Whom It May Concern, I am writing to lodge a formal complaint against Synchrony Bank for the unjustified closure of my Sams Club Card. My account was paid in full, was not delinquent, and I have maintained an excellent credit payment history. 

The bank stated the following reasons for closing my account : - Too Many Revolving Accounts With High Balance Compared to Credit Limit - Not Enough Balance Paid Down Over Time On Real Estate Secured Loans - Too Many Inquiries - Ratio of Non-Real Estate Loan Balances to Balances On Real Estate Secured Loans Is Too High These reasons are incorrect and unsubstantiated : 1. All my cards combined are using only 35 % of my total limit, far below any alarming ratio. The increased usage is due to attorney fees stemming from a recent divorce, a situation that shouldnt penalize me. 

2. I have had the same real estate loan for over 15 years and have never been late on a payment. This loan was in place at the time I was approved for my Sam 's Club Card. 

3. I have not initiated any new inquiries since the time my Sams Club Card was approved. 

I demand that Synchrony Bank provide evidence for each stated reason for the account closure. The action taken against me is unfair and takes undue advantage of my recent life changes, despite my continued ability to meet my financial obligations. 

I insist on the immediate reopening of my Sams Club Card account as the bank 's action is unjustified and not based on factual information. 

Please investigate this matter promptly and ensure that my consumer rights are protected. 

Thank you for your immediate attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
XXXX. Chain of Custody XXXX. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

The company is unable to respond directly to your complaint. 
We reviewed the complaint you submitted and sent it to the company for a response. 

This complaint concerns Complaint ID XXXX, Submitted on XX/XX/2019 and closed by CFPB based on Company 's false response, which stated that, " The company let us know it is unable to respond to your complaint through the CFPB because it involves the same issues raised in pending or prior litigation between the company and the account holder. '' There was and is not any pending or prior litigation between Honda Financial Service and myself or any other account holder. Therefore, was and is not a private attorney or local legal aid office that assisted or is assisting me with any litigation with the company. 

Basically the Company was untruthful in its response and the CFPB should have verified the information prior to inadvertently closing the complaint. This issue needs to be reopened.
Product: Mortgage

I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.
Product: Student loan

XXXX XXXX XXXX XXXX - XX/XX/XXXX - loan taken out for {$22000.00}. Before son XXXX I ended up in bankruptcy in XX/XX/XXXX. Just came out of bankruptcy in XX/XX/XXXX. I want to start repaying XXXX XXXX XXXX, but received a letter informing me from Nelnet that an additional amount of {$8000.00} is being ADDED to my loan. That's almost 40 % increase of original amount. I'm just coming out of bankruptcy and trying to do the right thing and repay BUT, it is unacceptable to be hit with these fees. I'm more than willing to negotiate an interest / penalty amount that is fair to both. I will even start an automatic deduction but I will not pay 40 % more after just getting my finances in order. NOTE - that my bankruptcy paid all creditors in full, nothing was written off. I'm willing to do the same with this loan also. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I went car shopping XX/XX/XXXX XX/XX/XXXX and XXXX. I ended up purchasing a car in XXXX. I did a total of XXXX applications but ended up having XXXX separate hard inquiries. I was under the impression that the law requires that this be counted as XXXX inquiry. Not sure if its because its me but it would nice if this company would follow the rules. It should be simple I did do a dispute but of course it came back validated and supposed to stay on my credit for XXXX years. Something has to be done. This company has violated my rights to again. Something has to be done. I shouldnt even be here asking for ur assistance but Experian refuses to do the right thing and force Experian to delete the other XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with XXXX XXXX XXXX is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.
Product: Debt collection

XXXX XXXX {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Student loan

Hello, I'd like to bring to your attention that I am aware of how you have handled my securities. I am aware of your indentured trustee agreement with XXXX XXXX and XXXX & XXXX XXXX XXXX. My securities have not been handled properly, and i will file a complaint with the Federal Trade Commission for securities fraud if this matter is not handled immediately.
Product: Mortgage

I am doing this complaint against Selene Finance do to unfair mortgage practices that we are dealing with this company. We were on a repayment plan from XX/XX/2018 until XX/XX/2018 in the amount of {$1000.00}. Our original payment plan is {$890.00} and we were only behind one month. We made every payment that was suppose to be made. We made the last one for XXXX on the XXXX of the month. I called in every month and spoke with a live agent to give them the payment to make sure it was paid. When I signed in to make my XXXX payment it showed me having a balance of over {$2000.00}. I then called and asked what this amount was about. I was told this amount was my escrow in which our property taxes and insurance went up. Something I had no knowledge of. You would think with me talking to a live agent every single month while on the repayment plan something would have been said, but it wasn't. Now I'm being told that I am 2 months behind on my mortgage but how is that possible when I was making my payment every month including the extra {$140.00} to get the one mortgage note caught up. Then because I had no knowledge of any escrow issues I was told the letter would be resent to me. The mortgage company then sent someone out to my house to take pictures of my home. They knocked on my door and asked me if I was renting or did I own the home. Why was that even done? I have made all my payments and didn't deserve to be embarrassed the way this company did especially when I am not behind on my payments. I then called Selene again and was told that I could do whatever I wanted that nothing would change and that I couldn't speak with a supervisor or even get a number for corporate. I hung up and called back to be on the phone for over 40 minutes to be told that we had a {$640.00} credit and if I paid {$1000.00} it would take care of my XXXX payment but my XXXX payment of {$1000.00} of the repayment that we were set up for had already been made on theXX/XX/XXXX and has cleared my account and is showing on the account info when I sign in to look at Selene. Now even with the repayment plan being taken care of now this company is saying the repayment plan doesn't matter and that I am 2 payments behind which is to me unfair practices by this mortgage company. Something has to be done about this. Its no way I can be on a repayment plan, make all my payments then they now come and still try to tell me that I am behind after making my mortgage payments every month due to an escrow that I had no knowledge of. I will not allow this company to take my home in this way knowing that they are not doing what is fair and right. They say that they hold themselves to the highest standards of customer service, working honestly and fairly with all customers and clients. Nothing about what this company is doing is honest and fair.
Product: Credit reporting

On XXXX/XXXX/2015 I sent Lexis Nexis disputes department an email which contained and FTC Affidavit, Police Report and a letter disputing over XXXX addresses that they had in their file for me. Email addresses that they have for me and reported bankruptcy information that they had reported on their consumer file and that they have also reported to other CRA 's that has drastically hurt me financially. I am the victim of identity theft and I asked Lexis Nexis to please freeze all the reports company wide so that no one can access them because the information is very inaccurate. They have done so but what they have n't done was to remove all the disputed addresses and the bad inaccurate information associated with those addresses. They sent me back a report stating that they have removed and or deleted the disputed information but they have not. All the inaccurate information is still listed and they have n't done a thing. All the addresses are still listed all the different variations of my name is still listed all the different bankruptcies in the XXXX different states are still listed. And there is also a judgement listed for an address that is being reported against me is still there and it has n't been removed. They have had well over the 30 day permitted time to remove these items and they have not done anything at all. What is the use in trying to protect myself and what is being reported against me if they want do their jobs and remove the fraudulent information and if they are getting this information from someone they are suppose to let me know so that I can contact that agency and get the fraudulent information removed. I again have attached the FTC Report, Police Report and the letter previously sent to them. Please block and delete these disputed items and do n't let them be re-inserted. Please do not report this wrong information to anyone else because it has cost me a job and declines from credit. Please fix this immediately
Product: Debt collection

I have never had cable in my name. I always lived with my aunt and all the bills are in her name. This has to be a identity fraud I know nothing of this account. They have said I owe one amount and it keeps changing from XXXX to XXXX. I also attached a pic of this account where it was closed from a dispute and then they reopened it.
Product: Debt collection

Company is XXXX XXXX XXXX. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX   services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however experian doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act XXXX  has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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