23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone somehow got information about my bank account and printed a fake check and photoshopped my full name onto it and attempted and successfully put it into my checking account, the bank saw that the check was fake and put negative XXXX dollars on my checking account and I don't want to pay that money because I didn't do it my banking account is also locked because the bank 's security locked it automatically and they cant undo it. I went to a police station, and they gave me a site to go to and that site led me here. 
Contact me at XXXX Suncoast Credit Union Florida XXXX
Product: Debt collection

I.C system placed a debt on my credit report without proper notification in a dunning letter on the ability to dispute this debt and or notifying me that they were a debt collector. The company did not provide a debt verification or dunning letter prior to placing this debt on my credit report. As such, this debt needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my credit card debt much higher than what it is. XXXX   and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Product: Debt collection

I have no knowledge of the account thats being reported on my credit report.I didnt sign my signature on any documents relating to this account.It shows the account was opened XXXX XXXX on my credit report with a collection balance of $ XXXX my knowledge I was currently working on that day and I didnt give any one my consent to open that account.
Product: Debt collection

The agency is div Adj services is third-party I'm filling under ( 15 US code 16601and under 15 US code 1692c and 1099old c and a I am requesting a immediate deletion of all reporting made to any consumer reporting agencies XXXX, XXXX XXXX and XXXX. You must cease collections effect until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. I am requesting this because have had different companies reach out to me about this same alleged debt collection sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX dob XX/XX/year> ssn XXXX
Product: Credit card

Hello I applies for this Citi XXXX Credit card because, I saw it being beneficial for my job as I travel about every week and so does my son. While being out on a business trip they blocked my card and I called several times telling them I did n't not have any funds to go back to my home. They told they did not care and I asked about their travel insurance that they had and they did not even care to help me. It has been approximately 3 months and I have sent my social security copy, Driver license, Mortage statement, Water utility Bill, Faith of loan of my house to verify address. Regardless of all this they refuse to unblock my account and I am tired of having to deal with calling and waiting for hours to try to resolve this issue. They have impacted my job and have wasted over XXXX Hours of my time with this issue. I told them that my son has an extra line and that is what I use along with my company cell phone number and regardless they refuse to help me. I am tired frustrated and simply had enough with them. They already charged my annual fee of XXXX dollars and sent the statement but, yet they refuse to activate my card. I have lost time, money, and have went through emotional issues because, of being left stranded in another city for work and not being able to rely on them.
Product: Credit card or prepaid card

TRANSACTION INFORMATION : Merchant Name : XXXX XXXX Location/Country : Online Booking Ref : XXXX Partner name : XXXX - XXXX ( XXXX ) Transaction Currency : USD Transaction Amount : XXXX Form of Payment : XXXX Credit Card Last 4 Digits : XXXX BILLING INFORMATION : Customer Name : XXXX XXXX XXXX XXXX : XXXX RENTAL DETAILS : Customer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Drop off Location : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I was charged {$890.00} for a rental that I did not authorize nor did I receive or use. I attempted to dispute the charge with the merchant who was unresponsive and unwilling to assist. I then disputed with my credit card company ( Capital One ) but the dispute was unresolved and Capital One stated that the merchant is claiming that I was a no-show. I did not authorize the charge on my card nor did I receive a rental car or use this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH EXPERIAN AND XXXX AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX  COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
Product: Mortgage

On or about XX/XX/XXXX I received a second escrow analysis showing my mortgage payment dropping XXXX plus dollars. 

I called Freedom mortgage and tried to show them why the analysis was not correct explaining what my taxes are and even sending them copies of my property tax bills. They after doing a reanalysis said that I was not correct and that they did not make any error. 

While on the phone getting this answer in XXXX I had asked for my ACH ( auto payment ) to be updated and have the extra money XXXX or so dollars put into my escrow account. 

Sometime in XXXX I noticed that my mortgage auto payment had gone down to the incorrect amount leading me to go in and update the amount myself which began in XXXX or XXXX. 

Today I just received a new analysis stating I have a XXXX shortage and based on what they say my payment is going up XXXX a month to cover this.shortage so I called and spoke to a rep and they see all my notes from my previous conversations. 

My complaint is how can a call center REP see and understand the proof I showed as to why Freedom Mortgage made an error but the analysis people and those responsible for making the changes could not. At the end of the day it is the consumer that suffers because now I have to deal with the increased mortgagee amount which was caused by the mortgage companies neglagance.
Product: Credit reporting or other personal consumer reports

Transunion has this student loan account listed XXXX times on my consumer report. The accounts have the same late payments listed on each account. This account is adversely affecting my credit score. I have been denied credit because of Transunion inaccurate information. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Mortgage

My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.
Product: Credit card

The last time I was able to make a payment and access my account at Synchrony Bank was the first week XX/XX/year>. Since then I have not been able to gain access to my account to see when the next payment needs to be paid and what the exact balance is on the account. I have talked with Synchrony bank since the middle of XX/XX/year> and they will not or can not fix whatever is wrong. I feel there could be fraud going on but I can not tell because no one at Synchrony Bank will help. It seems they can be delaying doing anything so late fees will add up and I have no way of doing anything but trying to call them but their AI people eventually start sending you in circles so nothing is ever accomplished. They say to email them your concerns but in order to do that you need to log in to your account. When I try to log in, I get a message that my info does not match their info. How can that happen, I have had this account for XXXX  years? Hopefully you can help me or if you can not, please give me a name or email for someone that may help. I am at the point of reporting Synchrony Bank for fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I previously disputed a repossession due to the company People Commerce not sending me a notice of rights after repossession. And the fact that the PA Attorney General Office suing their subsidy XXXX XXXX for selling me a costly lemon. XXXX has removed this but XXXX and XXXX are not removing this off my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies. The three credit bureaus are required to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to report unverified information without providing proof within the legally mandated timeframe. The following items need to be investigated and corrected for erroneous reporting : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$280.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card

XX/XX/year> I disputed all unauthorized transaction and fraudulent activity on my report and they still have it on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with XXXX XXXX  as a charge off with a balance showing. This information is not factual, how can an account be charged off with a balance? Once an account has been charged off, it must be reported with a XXXX balance.
Product: Student loan

Two loans 1- subsidised 1- unsubsidised Navient consolidated loans without my permission - verbal or written Since XX/XX/2010 all payments paying interest only!!! Four years of first double payments, then single payments paying consolidated loans without my permission. Contacted Navient many times. No resolution. I see online that thousands of complaints filed and several lawsuits class action underway. 

This is a nightmare!
Product: Credit reporting or other personal consumer reports

All Acccounts Have Violated My Rights Acct Name XXXX Account XXXX Department of Education, Acct # XXXX  XXXX, Account SSN XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Experian Account Name Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX XXXX Account XXXX Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit card

My complaint is with American Express, A couple years ago I did the Soldiers and Sailors relief act to get my interest rate reduced with them. Since that time I have made some purchases which are subject to the 9.99 % APR on my Credit Card. I have no issue with agreeing that I owe interest on that amount. What AMEX is doing is actually doing when I make a payment, they are increasing my Purchase amount on my Credit card and lowering the amount of the 0.0 % rate. I have not made any purchases on my credit card since XX/XX/XXXX, and since then they have increased my amount by the interest amount. Nowhere in my bill or Terms of Service does it state that interest is a purchase. By doing this American Express has increased my purchase amount by {$50.00} dollars which is subject to the 9.99 interest. Even though I have no made any purchases start from XXXX 2015.
Product: Mortgage

My house flooded in XXXX of XXXX. My house has been completely repaired as of XX/XX/XXXX. The mortgage company still has {$370.00} left but the Loss Draft Department will not release the balance to me because they arbitrarily are stating the repair is 90 % complete. {$370.00} on a $ 35,000+ estimate. That amount is a fraction of my mortgage payment. Managers will not call me back and they keep making me miss work to have inspection companies come out who keep giving different opinions on how much work is done, when my home is actually better off than it was before since everything was completed/upgraded. I just want my {$370.00} as I paid for every repair out of pocket and had to fight with them every single step of the way for any reimbursement. It doesn't make sense as to why they are holding this money when my repairs are complete and have been that way for over 8 months.
Product: Student loan

XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.
Product: Debt collection

i ; consumer, owner of home stead, exempt property known as XXXX XXXX XXXX XXXX Washington DC, which scheduled for foreclosure on XX/XX/2020, select portfolio servicing , inc., I ; never had any contract with select portfolio servicing, inc, I, never had 2nd lien with XXXX XXXXXXXX XXXX, XXXX. i deny alleged debt in entirety, i am, able ready willing to settle any debt that is true, due and owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a chapter XXXX Bankruptcy on XX/XX/19 that was discharged on XX/XX/19. XXXX and Synchrony Bank are reporting this debt that was discharged in the Chapter XXXX as charged off. None of the accounts were ever delinquent or charged off debt. I've tried to dispute this to correct the information but it keeps returning as correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Mortgage

I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.
Product: Mortgage

Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}
Product: Debt collection

I have been contacted during non professional business hours with repeated harassing calls. Most notable was the XXXX calls I received on XXXX XXXX while with family and resulting in disturbance at an Obscene hour. There are codes and conducts outlining professionalism and business conduct which are blatantly being violated by this collection agency in an effort to Harass me and cause my life extreme discomfort for a debt that i am not the owner of. This specific incident occurred on XX/XX/19 and phone records can be requested from cell phone provider. The problem has been on going for months. On XX/XX/19 a call was placed on my behalf to further dispute the collection and the creditor is contacting there customer who fraudulently amended the original bill to reflect my name and address in an attempt to collect monies that I do not owe. The collection company will not accept emails, has no legal team that I can contact and refuses to look at evidence and original bill to the responsible party that I have asked to provide. The collection company says they can only get the info from their customer the business which is committing fraud to collect monies from me unlawfully. Bad business practice and bully tactics to make money. Please help.