23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card ( Comenity Bank ), regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to Comenity Bank charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was Comenitys error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to Comenitys error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all 3 credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. Comenity reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was Comenitys error.

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with XXXX, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.
Product: Credit card

XX/XX/2023 Care Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Electronic Fund Transfer To Whom it May Concern, I am writing to dispute the closure of my Care Credit account, which was related to electronic fund transfer ( EFT ) transactions that were deemed Non-Sufficient Funds ( NSF ) incidents. I believe that the account closure may not be in accordance with the Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693, which establishes consumer rights and protections concerning electronic transactions.

Under the EFTA, consumers have certain rights and protections regarding electronic fund transfers, including the right to dispute transactions. I believe that the following aspects of the EFTA may be relevant to my situation : EFTA Section 907 ( a ) : This section of the EFTA allows consumers to dispute unauthorized electronic fund transfers. While my transactions were not unauthorized, I have concerns about the circumstances surrounding the NSF incidents and the closure of my account.

EFTA Section 903 ( b ) : The EFTA requires financial institutions, like Care Credit, to investigate and resolve disputes promptly. I would like to request a thorough investigation into the NSF transactions and the closure of my account to ensure that all relevant factors are considered.

EFTA Section 904 ( c ) : This section states that a financial institution may not impose any liability on the consumer for an unauthorized electronic fund transfer unless the institution establishes that the consumer is liable. I believe there may be extenuating circumstances surrounding the NSF transactions that warrant further examination.

I kindly request that Care Credit reevaluate the closure of my account in light of the EFTAs provisions and my rights as a consumer. I am willing to provide any necessary documentation or information to support my dispute and to assist in reaching a fair and equitable resolution.

I value my relationship with Care Credit and would like to ensure that my rights under the EFTA are respected. Please consider this letter as a formal dispute of the account closure and the related electronic fund transfer incidents.

I look forward to your prompt response and a timely resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX XXXX XXXX XXXX shows late payment XX/XX/2022 I have these payments set up for auto draft I was not late I have talked to XXXX and stated I was not late. It was supposed to be fixed on their end. this is hurting me from being able to obtain credit.
Product: Credit card

Timely payments on this account have always been a priority, avoiding any occurrences of overdue status. I'm uncertain about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Product: Mortgage

I am submitting this complaint regarding NewRez and their handling of my mortgage recast request. 

I followed all the instructions provided by the company for initiating a recast, including mailing XXXX checks along with the signed paperwork as directed. The instructions were clear, and we complied precisely with their requirements. However, despite receiving and cashing both checks just XXXX days after we sent the package, NewRez failed to initiate the recast. 

I have called customer service XXXX times. The first XXXX calls did not reveal that the signed recast paperwork had been lost. It was only during later calls that I learned of this issue. Each time I reached out, I received inconsistent and unhelpful responses. It wasnt until I mentioned escalating the matter to consumer advocacy groups that the seriousness of the situation was even acknowledged. 

The online portal is extremely difficult to navigate, and speaking with customer service has been a frustrating and circular experience with no resolution. It is especially frustrating that, in todays digital age, NewRez does not support e-signatures for these processes. 

To add to our frustration, our original mortgage was sold to NewRez just XXXX week after we closed on our home. We have had nothing but negative experiences with them since. 

It has now been over XXXX months since we submitted everything required for the recast, and we are still paying our original mortgage amount. The additional funds we submittedintended to reduce our principal and monthly paymentshave not been applied appropriately. This delay is financially harmful and, in our opinion, unethical. We feel that the company is benefiting from holding onto our money without providing the service we paid for. 

We are asking for the Consumer Financial Protection Bureaus assistance in ensuring that NewRez honors the recast process, properly applies the extra payments to our principal, and provides a resolution to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus XXXX, XXXX, and TransUnion. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution. 

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence. 

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.
Product: Checking or savings account

I incurred {$640.00} in insufficient funds fees in 2022, {$66.00} in XXXX, and {$230.00} in XXXX. I have called several times and spoken to representatives about getting the fees reversed. I was told by one person that they would submit a request for the reversal of the fees but the reversal was denied. I then called again and was told that I get six reversals a year and that I have already used those six. I have spoken to a " supervisor '' on one occasion and told there were not supervisors available on another.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency LVNV FUNDING /Resurgent XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still showing late payments on an account that is from XX/XX/XXXX not only is this over the seven years mark it is also closed. It still continues to show late payments until XXXX as well when the vehicle was returned in XXXX. How is this right?
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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/year> COMENITYBANK/VICSECRMC XX/XX/year> XXXX AUTOS XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> HGREGDORAL XX/XX/year> CAPITALONE XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report
Product: Credit reporting or other personal consumer reports

HELLO THIS IS AN ON GOING ISSUE WITH EXPERIAN, AND XXXX PUTTING INCORRECT LATE FEES ON MY CREDIT REPORT ... XXXX WEEKS AGO EXPERIAN REMOVED XXXX POINTS FROM MY CREDIT REPORT, FROM XXXXXXXX XXXX  WRONG INFORMATION DEALING WITH MY LINE OF CREDIT ... I HAVE NEVER BEEN LATE, THIS WAS A BANK ERROR WITH XXXX XXXX PUTTING ME DOWN BEING LATE FOR 2 MONTHS, XXXX AND XXXX, AFTER ME DISPUTING WITH THE CREDIT BUREAUS AND SENDING DOCUMENTATION EXPERIAN RESTORED MY POINTS BACK AND REMOVED 1 OF THE LATE FEES THEY REMOVED 1 MONTH BUT LEFT THE OTHER MONTH, BUT I NEED XXXX AND XXXX REMOVED, I HAVE PROOF FROM XXXX XXXX MANAGER..THE BANK MANAGER ALSO SEE THAT I WAS NOT LATE FOR THOSE 2 MONTHS IN QUESTION ... IM SENDING THE EMAIL SO YOU CAN SEND TO THE 3 CREDIT BUREAUS, ... I ALSO WANT EXPERIAN TO STOP FLIP FLOPPING WITH MY CREDIT SCORE, THEY TOOK XXXX POINTS 3 WEEKS AGO, GAVE IT BACK 2 WEEKS AGO AND JUST UNDER A WEEK AGO EXPERIAN AGAIN REMOVED XXXX POINTS FROM MY CREDIT SCORE..I WANT IT BACK
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires need to be removed from my credit report for one of the following reasons. 

# 1. ) They are either over 2 years old. 
# 2. ) Or I did not initiate the inquiry and I did not approve the inquiry. 
# 3. ) or No credit was extended for the inquiry. 

XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XX/XX/XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX BANK XXXX, XXXX A Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX
Product: Debt collection

I am not even sure where this debt came from but my wife was deceased in XXXX and many Identity thefts went on so this is identity theft again. They have not contacted me back and I see them listed on my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX, account # XXXX, XXXX account # XXXX ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Product: Vehicle loan or lease

I am writing to formally request a review of the monthly payment terms on my auto loan for the vehicle I purchased on XX/XX/2024. While I have been doing my best to meet the agreed-upon payment terms, I find that the current monthly payment is unmanageable given my financial situation. 

When I entered into the loan agreement, I did so under the impression that the terms were fair and reflective of my financial capacity. However, after several months of making payments, I realize that the high monthly payment amount is creating a significant strain on my finances. I am concerned that this situation could ultimately harm my credit score if I am unable to consistently meet these obligations.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I sent {$500.00} to my girlfriend through XXXX on Bank of American ( BOA ) app XX/XX/2020 My girlfriend told me she has not received the money yet, I was confused and gave BOA a call and was told that {$500.00} was transferred to anyone else who has exactly the same phone number as my girlfriend in the account and we actually do not know who he/she is, I made a dispute for claiming the money back. Besides, I called and messaged the money receiver with the 'same phone number ', no reply!!! 
XX/XX/2020 I called BOA again to check how the dispute is going and was told to wait XX/XX/2020 I received the paper letter from BOA indicated that they can do nothing, I called BOA again and again and was told I can not make a dispute anymore, BOA has closed the case, they can not help to get my money back
Product: Money transfer, virtual currency, or money service

Dear Sir/Ma'am, Good day! 

I am writing a complaint to your good office because of this reason, on XX/XX/XXXX, I received an email from PayPal and was notified that I violate Paypal 's acceptable policy. 

I was confused and devastated when I've learned that I can no longer withdraw my funds, below is the breakdown : XXXX XXXX XXXX EUR XXXX USD Coming from a third world country, the fund that was placed on hold for 6 months is very crucial for our daily lives since I am the bread winner in the family. 

I appeal and seek your assistance and I hope that you could help me and other people who faces the same issue of mine. 

Thank you. 

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXX XX/XX/XXXXXXXX. ADD CURRENT EMPLOYER : XX/XX/XXXX Please see attached Identity Theft Report
Product: Student loan

I am a cosigner on a private student loan for my daughter attending a XXXX university. In XXXX of XXXX, I was sent a letter notifying us that the loan was fixing to go in default because my daughter graduated in XXXX XXXX from the university. Payments for the loan was to begin in XXXX XXXX. A billing statement was received with the loan with monthly notes at {$410.00} at 10 % interest for {$25000.00}. My daughter and I both contacted the loan institution to see if refinancing was a possibility in lowering the monthly payments for her since she did not have a full time job as yet. Since XXXX of XXXX, my financial picture had significantly changed. My job required me to relocate XXXX hours away from my permanent residence resulting in purchasing temporary housing, added expense in gas and expenses to live away from home. We applied for financial hardship and payment assistance through the loan institution where they asked for additional documentation that we collected and faxed to them more than once in the timeframe requested.. We were denied the assistance. It was difficult in contacting the person in charge of our account and now the balance is increasing. I can afford to pay XXXX half of the payment amount that is required. My credit rating is reduced because the institution refuse to negotiate the monthly payments until our financial situation becomes better. My daughter attended XXXX University in XXXX, Texas.
Product: Checking or savings account

I have requested my XXXX savings be distributed for deposit into IRA Traditional and IRA Roth accounts but the distributing bank, Wells Fargo, refuses to execute the distribution even after multiple calls, notarized proofs of identification and documents of instruction submitted.
Product: Bank account or service

I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.
Product: Credit card

Synchrony bank acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I RECEIVED AN UNSOLICITED PROMOTION IN THE MAIL BY A CREDIT CARD COMPANY OFFERING TO CREDIT MY ACCOUNT {$150.00} IF I SPEND {$500.00} WITHIN 3 MONTHS OF OPENING THE ACCT. I FULFILLED MY OBLIGATION WITHIN 3 WEEKS. BUT NOW THE COMPANY IS TELLING ME I HAVE TO WAIT UP TO 6 WEEKS BEFORE I GET PAID. THEIR OFFER MADE NO MENTION OF THIS.