23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have a loan through USAA for my truck. I refinanced with them. They are a great company no complaints except, their payment website has not been working for almost a year. I switched banks last year and had to reset everything on their website. I put in my new bank information and thought I was good until I got late fees. I called and spoke to someone and they advised that part of the site is not working properly and they entered my auto pay information over the phone. Fast forward to XXXXXXXX XXXX XXXX. I again changed banks. From the experience we had before we knew we needed to remove the auto pay and do the payments automatically. We received multiple errors in trying to do so but ultimately it said gave notifications as if we were successful in removing the auto pay and setting up a future payment. Then about a week after the payment should have been pulled from our existing account we received notice from the account we removed saying that USAA tried to process a payment and it was declined. We were assessed {$75.00} in fee from USAA for a returned payment and a late payment. We called and spoke to someone and they said the best they could do was reverse the {$50.00} fee. We redid the entire process removed the old account and set up a payment from the new account. Now we are in XXXX and the exact same thing happened again. Another {$75.00} in fees are being assessed except this time even though they admit the website is not working properly they say there is nothing they can do to help as the fees have already been paid out of the payment that was made. We should not have to pay fees when we did what we were supposed to do and THEIR website is not functioning properly. We have a great payment history with them and now to have to pay {$100.00} in fees, {$25.00} in XXXX that they refused to reverse and now another {$75.00} in XXXX they refuse to reverse because their system isn't functioning properly is not a good or fair way to do business. They are a huge company that should have the resources to make sure their systems work properly and it shouldn't be on the consumer to pay fees because of their issue.
Product: Credit reporting or other personal consumer reports

Inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Below listed Inaccurate accounts & Inquiries : XXXX XXXX XXXX  # XXXX Is reporting 2 inaccurate Open Dates / 2 inaccurate Dates Last Active XXXX  XXXX # XXXX / XXXX Is reporting 2 Different Account numbers/ 2 Inaccurate Open Dates / 2 Inaccurate High Credit / 2 Inaccurate Last Active Dates XXXX # XXXX Is reporting 2 Inaccurate Open Dates/ 3 Different Hight Credit Amounts / 3 Inaccurate Last Reporting Dates/ 3 Inaccurate Last Active Dates / 2 Inaccurate Last Payment Dates Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX account through Synchrony Bank. I was make automatic payments for my XXXX XXXX XXXX via this account. Somehow, on multiple occasions, the account was used for fraudulent charges AFTER I had paid off the account. Upon the first time calling Synchrony, they cleared the fraudulent charges. Then, it happened again. At this time, I had paid the phone off, and was no longer using the phone, or the associated email address as I had moved on to using a newer XXXX. The account started withdrawing automatic payments from my account, to pay for these fraudulent charges. Synchrony has made no attempt to repay these payments to me, and since the email address, and mailing address they had on file were no longer valid, they could not get ahold of me ( they never tried calling, or validating my email, or mailing address ) and sent the account off to collections. 

Over the course of 6 months, after many " fraud '' reports via Synchrony bank, and multiple times of them telling me that they felt the charges were valid, Synchrony finally this past XXXX of 2021, determined that these charges were in fact ALL fraudulent. I never had a credit card issued to me for this account, as it was JUST for my phone, and there was no way I could have made these charges. But, sadly, they had already sold the account to XXXX XXXX XXXX. I have a letter, in hand, from Synchrony, that shows that their fraud team has determined that these charges were fraudulent, but XXXX XXXX XXXX says that this is not enough, and will not remove these charges from my credit report until I file an official complaint, notarize it, file a police report, etc. It's really just a nightmare, and meanwhile, I am having a difficult time buying a car, and a home, for my young family. This is very frustrating. XXXX XXXX XXXX will not stop harrassing me, and now I am following my due diligence of doing what they have asked and filing a report on this website and notarizing it, etc. 

Again, I have the letter from Synchrony in hand, and a digital version of it ( printed and digital ) that says that these charges were in fact fraudulent. But, XXXX XXXX XXXX will not comply.
Product: Consumer Loan

I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.
Product: Vehicle loan or lease

On XX/XX/2023 I notified Chase bank in regards to my denial for a vehicle from XXXX XXXX XXXX. The representative that I spoke with explained to me that he was aware of the Federal Reserve Act Section 16 and Equal Credit Opportunity Act and that Chase Bank doesnt have to abide by the Constitutional guidelines and policies. Roughly thirty minutes to an hour later a supervisor reached out to me. I expressed my same concern and she gave me the same answer. She also switched me over to her supervisor. They had me on off and suddenly the phone hung up mid ring.
Product: Checking or savings account

XX/XX/2018 - for over a month I have tried to access my BBVA Compass checking account. Everytime I call they say I need my account number to access my account. They won't let me use my ATM card or any other information, SS, DOB, address, etc.

They won't send a paper statement. They won't help access the account by sending a link to reset, they flat do not help if you do not have the account number and they won't send out a paper statement so I can get the account number.
Product: Credit reporting or other personal consumer reports

They do not investigate disputes properly when disputing inaccurate items on the report which has caused me not to obtain loans or credit. The score are much lower than other bureaus even when given proof. They will not remove.
Product: Credit card or prepaid card

On our XX/XX/XXXX statement from Chase credit card there was a charge from XXXX XXXX for {$44.00}. I immediately reported this to Chase as a fraudulent charge. Since this was the third time we had a similar experience with Chase we decided to cancel our credit card on XX/XX/XXXX. Chase sent us a letter on XX/XX/XXXX requesting support for our dispute. I sent them, in writing and by fax, an email from XXXX XXXX that they agreed to reverse the charge on XXXX/XXXX/XXXX. I included this email in my communication with Chase. On XXXX/XXXX/XXXX, I received another letter from Chase requesting evidence to support the reversal of the charge from XXXX Watchers. Again I sent them the email from XXXX Watchers stating they had reversed the charge on XXXX/XXXX/XXXX. On XX/XX/XXXX I received a letter from Chase, dated XX/XX/XXXX,  that they had investigated the charge, called XXXX XXXX, and that they were not going to support our dispute and would put the charge on our next billing statement. THIS WAS AFTER WE HAD SENT THEM THE EMAIL FROM XXXX XXXX ON THREE DIFFERENT OCCASIONS THAT THE CHARGE WAS REVERSED ON XX/XX/XXXX.
Product: Mortgage

On or around XX/XX/XXXX, I took out a first mortgage loan from Washington Mutual ( WAMU ) to pay off then existing first mortgage from XX/XX/XXXXXXXX XXXX. On or around XX/XX/XXXX, I received an unsolicited offer from Washington Mutual stating that I was eligible for a {$250.00}, 000 Home Equity Line of Credit ( HELOC ) and that the interest rate on the HELOC would be Prime Rate less 0.250 % for ( already ) having fist mortgage with WAMU and with an additional discount of 0.250 % for maintaining a minimum balance of {$50000.00} in the HELOC account. On or around XX/XX/XXXX, I entered into a written agreement with WAMU on the above basis for HELOC. Within days of signing the HELOC agreement, my HELOC balance was over {$80000.00}. Which, per the signed HELOC agreement, entitled me to 0.500 % discount below the Prime Rate ( 0.250 % for First Mortgage relationship plus 0.250 % for over {$50000.00} balance in the HELOC account ) Payments to my First Mortgage and HELOC were automatically and electronically withdrawn from my checking account each month by WAMU. 
During XXXX, when I was looking to refinance my first mortgage and HELOC, I noticed that my HELOC interest discount was only 0.250 % and not 0.500 % as per our agreement. Upon checking my past records and assistance from Chase XXXX XXXX CA office, it was discovered that within few months of signing HELOC agreement WAMU had reduced the interest discount to 0.250 %. When I asked Chase Bank, the inheritor of my mortgages from WAMU, why was the interest discount reduced? They told me that the reduction was done because of change in first mortgage. When I asked that why and who made the changes to the first mortgage ( I did not ) I was told Chase do not have any records of it because it was more than seven years ago. When I asserted that the loans were not paid off until about XX/XX/XXXX ( little over a year ago ) and that, strangely enough, Chase has kept and furnished me with monthly statements going back to XX/XX/XXXX, why can't Chase give the details of the change. I was told that that's all Chase can do and that I should contact CFPB. 
This is a classic bait-and-switch tactic by WAMU and blatant and perhaps intentional violation of a written agreement. Now Chase is conveniently hiding behind " Don't have the Records '' explanation.
Product: Mortgage

In XX/XX/2020, I received a notice from one of the credit bureaus that I missed a payment on one of my accounts. Upon further investigation, I discovered a forgotten mortgage payment. Once I uncovered this mistake, I promptly submitted a payment. Unfortunately, it was already thirty days late. This is the first and only time I've ever missed a payment. Yet, the incident has had significant ramifications on my livelihood. My credit score dropped by 100 points ove
rnight, which had a profoundly negative impact on my business. I immediately called a customer service representative from Union Home Mortgage and asked them to forgive my error based on my excellent payment history. The representative informed me that she could not find any late payments and that some mistake must have been made, which required further investigation. 
The following month, I disputed the late payment with each major credit bureau, based on my understanding that no late payment was present. In XX/XX/2020, the credit bureaus concluded that the late payment was legitimate and could not be disputed. 
Once I received this information, I contacted Union Home Mortgage to clarify the conflicting conclusions. The representative informed me that if I sent a goodwill letter, they might remove the late payment at their discretion. In XX/XX/2020, I submitted the letter and told them that I took appropriate actions to ensure this would never happen again. 
I sent it to every address listed on the company website to be sure it would be received. After multiple weeks with no response, I decided to fax the letter, hoping for a faster resolution. On XX/XX/2020, Union Home Mortgage informed me that they would not forgive my late payment because forgiving late payments goes against their company policy. 
I have spent the last several months attempting to receive accurate and responsive information from Union Home Mortgage. However, they appear incapable of answering basic questions and giving thoughtful and truthful responses to their customers ' inquiries. I am left with several unanswered questions : ( 1 ) Why would a representative be unable to establish whether a late payment was present on an account?

( 2 ) Why would a representative give advice that runs directly counter to their company 's standard operating procedure?

( 3 ) Why would a mortgage company make late payment forgiveness impossible, no matter the circumstances? ( 4 ) Why should a simple problem, like a late payment, take six months and tens of hours to resolve?
I am shocked by the routine lack of professionalism, candor, and care shown by Union Home Mortgage and their agents. Therefore, I am filing this complaint to receive a modicum of closure and gain answers to what can only be described as a disjointed and confusing mess. Thank you in advance for any efforts given toward a resolution.
Product: Debt collection

I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Information was disputed and removed from my XXXX and XXXX credit reports. Open date is incorrect. It should be XX/XX/year> instead of XX/XX/year>. Account was sent to collections without my wet signature or notifying me. Account was charged off as a profit loss to company but I never received a 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Money transfer, virtual currency, or money service

Scenario : Wire transfer from XXXX XXXX XXXX in XXXX to BB & T in USA. Bank in XXXX charged an outbound wire fee and BB & T charged an inbound wire fee, these were independent of the transferred amount. Still, the received amount was {$25.00} less than expected. No disclosure anywhere as to why there was {$25.00} difference. I had to personally go to BB & T to find out why there was a discrepancy. I was told that XXXX XXXX was an intermediary bank and there was a {$25.00} charge for the transfer.
Product: Vehicle loan or lease

OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. 

I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. 

I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. 

This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.
Product: Checking or savings account

On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.
Product: Credit reporting or other personal consumer reports

i have disputed 2 accounts on my credit reports-across all 3 and it keeps coming back verified, without any documentation to support their verification. The creditor continually add or delete information each time it is disputed. the credit reporting agencies are not lookin at previous credit reports prior to support my claim of unsubstantiated verifications and unsubstantiated information that is being reported. 
All XXXX of my credit reports are reflecting several different information being reported from XXXX XXXX and their supposedly original creditors. Information is constantly being updated or taken off my credit report by the creditor. this should raise a red flag as convoluted and generic information they are reporting and no one is asking for documentation to support their claims. I have noted several FCRA, XXXX XXXX and FDCPA rules that are being broken but are still being allowed to report to the credit bureaus