23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase of {$88.00} on XX/XX/XXXX. Typically autopay is enabled, but this did not go through. I did not receive email or mail notices that there was a delinquent payment for the next 2 months. I was then charged the following without notice : XX/XX/XXXX - {$30.00} late fee XX/XX/XXXX - {$2.00} interest XX/XX/XXXX - {$41.00} late fee XX/XX/XXXX - {$3.00} I did not receive any notices of these late fees, no indication that autopay was not processing, or any notices that I was delinquent. 

On XX/XX/XXXX I received a notice from XXXX that my credit rating had changed from XXXX to XXXX and discovered it was because of this issue. 

Today, XX/XX/XXXX, I called Synchrony to complain. They removed the {$41.00} late fee but say there is nothing they can do about the credit reporting. 

My complaint is : Synchrony does not properly notify customers of account problems ( autopay, late fees, late payments ) Synchrony charged late fees that are dramatically disproportionate to the actual charges Synchrony does not provide tools to properly manage the account ( no option to setup autopay or change notifications )
Product: Checking or savings account

I opened a checking out with CitiBank on XX/XX/31 after seeing an advertisement on their website for offering {$300.00} to new clients who open an eligible account and deposit at least {$1500.00} in direct or enhanced deposits. I selected the get started link that was located directly below the advertisement after reading the offer details. I completed the required deposits within XXXX  days and called to check on the status of the {$300.00} bonus. I was told that my account did not have the promotional offer applied and there was nothing they could do. The supervisor, XXXX, insinuated that I had failed to follow the correct link for the promotion. I feel very XXXX because I could not have done more on my end and Citibank is refusing to take responsibility of their faulty website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit card or prepaid card

My friend referred me to apply for the American Express Platinum card on XX/XX/2023. I called the representative first to see whether I can receive the Welcome offer 150,000 points and whether my friend will receive the referral bonus points. The agent told me that I need to submit my application first and then they can tell me whether I am eligible. So I submitted my application and was approved right away. I called after my application was approved immediately to confirm if I will receive the welcome offer and got the confirmation that I was eligible to receive and my friend will receive the referral bonus points after 8-12 weeks. The points will be debited in my account after I spent {$6000.00} in first 6 months. 

To try to expedite the process of getting points, I spent {$6000.00} within 3 months. I called the American Express again during this 3 months to make sure I can receive the bonus points ( Otherwise, I wouldn't hurry to spend so much ). The agent confirmed again that I will receive once I meet the {$6000.00} purchases requirements. So I kept spending and reached the requirements in the third month after I opened the card. 

I waited over a month but the points are still not deposited in my account. I called American Express and they told me that after confirming with the promotion department, I am not eligible for the welcome offer and won't get the points. They didn't give me the detail reasons, just saying might be because my other existing American Express card or re-application of the same card but they are not sure. However, I never applied American Express Platinum card before, I called several times explaining the situations and phone conversation I had before which several agents confirmed that I will receive the offer. I told them that they can investigate the recorded phone call to verify, they agree to open the case and will get back to me within 8 days. I called after 2 weeks and they said the case was still open. I called again after another month and the agent told me they closed the case with original opinion. If I didn't call, I would never found out the result. 

So I decided to file the complaint against American Express for their misleading information and unfair treatment, if I wasn't guaranteed the welcome offer bonus points in the beginning, I would never spent {$6000.00} so fast and also paid lots of interest of purchase. Please help to investigate. Thank you.
Product: Credit reporting

i have paid this account in full via settle. but it is been reported as charge it appear on my credit report on the XXXX/XXXX/2016 after it has been settle.
Product: Mortgage

I Bought my home in XXXX and set up auto payments with my Bank XXXX for Freedom Mortgage. Beginning XXXX of this year I contacted Freedom Mortgage and informed them that I was changing banks to XXXX XXXX XXXX going through the process of setting up the new service first by calling Freedom Mortgage and giving all information to the agent I received a call from a senior member of the company informing me that they could not accept the information over the phone and was given a web site where to fill out the information. This I followed up on immediately only to receive a notice in the mail that I must fill out the same form and send it in. During this time period XXXX sent a payment and Freedom mortgage also took a payment in the same amount of my mortgage double payment. It took XXXX days for Freedom Mortgage to return my money. I went through the process of filling out the form and sending it to Freedom mortgage and again they attempted to take the funds from XXXX. Once again I contacted Freedom Mortage and was informed that I failed to change XXXX small thing on the form which actually was changed and written in on the second line. Requesting to speak with a supervisor. which I did and she had me go to the Website where she walked me through the process informing me that I was all set, and that the problem was solved. Again, this month they attempted to take the money from XXXX account now closed. Causing a minus on my account, late payment to Freedom all of which is going to affect my excellent credit score of XXXX That I have worked so hard to accomplish. 
Yesterday XX/XX/XXXX I contacted the office Freedom Mortgage requesting to speak to a supervisor again only to be told not available and some clerk who informed me he was working from home informed me he was sending in a request for me to receive call back.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.
Product: Credit card

XX/XX/year> Truist called me to verify if charges on my credit card were mine because they were reporting as suspicious. They were not my charges nor did I authorize the charges. 

There are 3 charges : 1. for {$0.00} - this was removed 2. for XXXXXXXX XXXX XXXX  XXXX not removed 3. for XXXXXXXX XXXX XXXX- not removed I have no other balances on the card at this time. I paid interest the first 90 days of this while I was waiting for response from the bank but never received it. Now, Interest and late chargers are accrewing. I have called the bank multiple times to have this issue resolved with no resolution as of XX/XX/year>. The case number with the bank fraud department is XXXX
Product: Credit card

Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.
Product: Credit reporting or other personal consumer reports

1.The dispute for the account with XXXX XXXX for {$450.00} was a medical collection that based on the act that went into effect XX/XX/XXXX any medical collections below {$500.00} should not be reporting on credit report. I have asked multiple times to have this removed without success. 

Source : Experian Date Submitted : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Disputes XXXX, XXXX, XXXX Contact info Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported as late. 

XX/XX/XXXX reported as late Address XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX The above account was a XXXX account that has XXXX accounts attached to the credit card number. I made a payment to the correct account and they applied to the wrong account. 1 is a store account 1 is an XXXX account. I have requested multiple times for this to be corrected with no success.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a certified letter was mailed to XXXX XXXX-Apple requesting a debt verification for an account that was fraudulently reported on my consumer report. 

I never received a response to my request. I have attached a copy of the domestic return slip confirming the letter was delivered to the address provided on my consumer report. 

Pursuant 15 USC 1681i ( 7 ) Method of verification this account is in violation, it was reported without valid evidence.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. 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

My account with XXXXXXXX XXXX XXXXXXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my 2 accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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.
Product: Bank account or service

In XX/XX/XXXX, it became apparent that I had hail damage on my roof and it had started leaking. I contacted my insurance company who provided a very good detailed step by step plan on what to do. Got a XXXX who replaced the roof. Called Navy Federal Credit Union to understand how to handle the claim check. We reviewed the requirements XXXX times. I got the first settlement check and sent it as instructed to NFCU. A week later they informed me via email that there were other things that had to be done. They were returning the check to me. After XXXX weeks and numerous phone calls it appears they lost the check. It took XXXX more weeks working with the insurance company and NFCU to get the check replaced. I live in XXXX, XXXX. I was in the states and kept contacting them to get everything needed done prior to my return to XXXX. They claimed they got everything cleared with the insurance and would deposit the check. I had already paid {$24000.00} out of pocket for the repairs. The first check for {$13000.00} was deposited to my checking account. I transferred just under {$12000.00} to my XXXX credit card. XXXX days later NFCU withdrew the check stating it was fraudulent. 
I have called them over XXXX times and emailed XXXX times. I have received XXXX emails with limited information and XXXX phone calls which did not resolve any of the issues. I leave voicemail each time I call as I have never caught anyone at their desk. Today I have been informed that the insurance company is issuing the check for a third time in XXXX days. NFCU has withdrawn all my savings, charged me several fees, caused me to be charged fees from XXXX, cost me several overnight mail charges which were a waste of time and interest on my Line of Credit and XXXX credit cards. Cost out of pocket exceed {$400.00}. 
Now they are taking all the money out of my adult children 's accounts to try to cover some of the cost. 
I have been on hold now for over an hour. They apologize and state that it was their fault, but each time they apologize it cost me {$100.00} or more. 
I paid to have the second/final insurance check overnight. They received it on the XX/XX/XXXX. Thus, far they still have not acted on that check. I understand it is the holiday season with many people on vacation, but they do n't stop charging me interest. 

They admit negligence in handling this issue, but have not resolved the issue yet.
Product: Mortgage

On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received info from Equifax stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Product: Debt collection

I started making payments through the online website speedycash.com for a debt that was owed. When I made the payments to them they provided a collection company XXXX my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with XXXX or spoken with them about the case. The funds should be placed back into my account, because XXXX received information that should not have been provided to them to collect a debt. Speedycash states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
Product: Credit reporting

Received notice from XXXX XXXX XXXX ( XXXX ) that they had obtained a credit report from Equifax Information Services regarding a request for home owners insurance. Problem, I do not own a home, and according to customer service at XXXX, my credit report is disclosing my home was purchased XX/XX/2015. I am XXXX in live in HUD housing with the XXXX XXXX rental voucher. Equifax is now refusing to provide a copy of my credit report claiming my current address does not match the address of their file. They also are refusing to take proper action in protecting me from possible acts of fraud by allowing others to use my social security number and not allowing my access to items on my credit report or a copy of my credit report. Equifax is also stating they can not send a credit report to me becuase my legal address for two years does not match the address they have within their system. With out the credit report : I can not dispute the inaccurate information that was disclosed by XXXX over the phone and as claimed to be on the credit report. Therefore, without a formal complaint from me disputing the items on my credit report, Equifax has no obligation to conduct an investigation as why others may be using my social security number. Equifax acts provide and enable criminals by protecting them from the true consumers. Equifax has extreme poor customer service when calling by phone and is trying to sell their fraud protection before releasing my credit report for review. I was hung up on four different phone calls when asking for a copy of my report and refusing to pay for the report. I did try getting my credit report on line with the annualcreditreport link and this did work with XXXX and XXXX, yet Equifax sends by electronic message saying Online Delivery Unavailable with a contact phone number and then audio links and customer service sales people try to sell their credit Fraud Protection Services ; be very self serving!