23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We had a Synhrony Bank Lowe 's Card which was closed for no reason. They had increased our credit limit to {$5000.00} ( earlier in XXXX ). We never missed a payment or late, and always paid off the card and carried a XXXX balance. 

We recently purchased a new home and due to new bank inquiries our credit score went down slightly ( as of XX/XX/XXXX ). That is the only reason I can think of if they ran a soft credit inquiry and had seen our score went down some. But closing the account entirely with no notice and/or not decreasing the limit. I never asked Synchrony to increase the credit limit. 

On XX/XX/XXXX I contacted Synchrony customer service, they said that an sent email was sent, but we received a notice. We were literally in the checkout at Lowes when we found out the card was closed. We had used the card XXXX days prior on ( XX/XX/XXXX ) to it being closed. Customer service was very rude on my call when I had questions, about why it was closed referencing an email. The supervisor was also rude, as I told him I would be filing a complaint about him as well. People do not deserve to be treated like they are an annoyance, we are spending our hard earned money to spend money with them. 

This is a very dishonest and bad practice, this reflects very negatively on Lowes also. I have no incentive to make purchases at Lowes vs their competitors currently. This obviously impacts our credit negatively as we have an account in good standing that was closed. As well as the negative impact that total credit utilization ratio. I was not aware of this is happening until finding many other consumers that Synchrony closed their accounts similar to my scenario, as I have never experienced this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX, XXXX, TX XXXX ACCOUNT NUMBER XXXX REPORT # XXXX I received my report from Experian on XXXX XXXX and the following day on XXXX XXXX and told the person I don't live at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ar XXXX and the person refused to delete the address. They did not remove XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX or Update my Employer. 
Experian, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 

In accordance with the Fair Credit Reporting act. The List of account has violated my feIn accordance with the Fair Credit Reporting act. The credit reporting company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent a letter to XXXX  stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX  refused to remove the items on my report. 

1. Columbus Bank & Trust Account Number : XXXX identity theft 2. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX  Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft
Product: Debt collection

I recently switched bank accounts and didn't remember to update my PayPal account with new info. As such it temporarily went into a negative balance ( tried to withdraw from my old account which was denied, plugged in new account like the next day, withdrew from new account, all is well ). 

An unknown number called me this morning with a very serious person telling me they were calling to collect a debt owned by me to PayPal. I told them I had already paid and the balance is showing up as " pending '' on my PayPal account. They told me I was wrong and I needed to pay right now - so I just hung up. 

Trying to collect a debt in such an aggressive manner is one thing, but trying to collect a debt that has been paid already and trying to argue over that is not good.
Product: Credit reporting or other personal consumer reports

I have sent rounds of letters requesting that my personal information be corrected and have not received any positive response.
Product: Debt collection

After multiple harrassing phone calls and emails, i requested debt confirmation numerous times and was advise i would need to send a formal request or be subject to XXXX XXXXt through lawsuit. 
Sent XXXX Confirmation of Debt Letter Request on XX/XX/XXXX - via certified mail and return receipt. XXXX was sent to a XXXX XXXX XXXX XXXX, CO, as indicated on the prior letter. XXXX was never signed for/scanned, however post office advised that letter was delivered. 
Call company on XX/XX/XXXX ( after receiving threat of lawsuit instead of verification of debt request information on XX/XX/XXXX ). Was advised that debt verification request was received, and debt verification information was sent out on XX/XX/XXXX. Did not receive anything from company at all ( besides the threat to sue ). 

Sent XXXX debt verification letter request on XX/XX/XXXX to same company - different address " XXXX, MN ''. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors and inaccurate information on my credit report I sent in letters to correct and remove inaccurate information but they still reporting inaccurate information
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. This has been going on for 72 hours. and no notice from the company of any issues until last night. there is no true estimated time or direction from the company of when our bank accounts and deposits will be accessible. Thank you
Product: Debt collection

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX. I received a response stating that the accounts were verified on XXXX I am formally requesting a description of the procedure your bureau used in providing all information to the original credi in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
XXXX I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
XXXX XXXX XXXX ( Original creditor : XXXX At XXXX XXXX SC ) XXXX : XXXX XXXX. XXXX XXXXXXXX Account # : XXXX Amount : {$140.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$13000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX Place Apartments ) Account # : XXXX Amount : {$4300.00} XXXX. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : Progressive ) Account # XXXX Amount : {$860.00} Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX,, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Debt collection

I was given a message on my job that a man called to talk to me named XXXX XXXX and I was given his phone number. I called him and asked him who he was and he said he could not help me until he knew my name. i said XXXX XXXX. He asked what phone number he called. I said I do n't know what phone number you called, I just got a message to call you. Who are you? What kind of business is this. He proceeded to become very rude and belligerent saying he ca n't help me if I ca n't tell him the phone number. I said I told you I do n't know who you called. He said he had no one by that name and again stated he ca n't help me without a phone number and said call me when you get it and hung up on me. His phone number is XXXX and the name of the company is Critical Resolution Mediation.
Product: Debt collection

I have paid the required settlement amount of {$5500.00} in full on XX/XX/2021 but a balance of {$2300.00} is being reported on my credit report. The amount agreed upon in the settlement was paid before the date required in the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied with a credit card to XXXX / XXXX XXXX XXXX. The agency they were using is SAGESTREAM , LLC with a creditor of XXXX XXXX. 

I have good credit ( XXXX according to XXXX  ) - but was denied a credit card for murky reasons : Sage LLC Credit Score : XXXX Key factors that adversely affected your credit score : 1 ) Too many delinquencies ( I have no delinquencies ) 2 ) Number of inquiries ( No inquiries were made this year XXXX ) 3 ) Number of telecommunications inquiries ( I don't know what this is ) 4 ) Applicant associated with multiple phone changes ( I recently changed by cell phone provider because I moved, I have no phone delinquencies ) 5 ) Inquiries did adversely affect the score There is no way to contact SAGESTREAM or XXXX  about this. 

I see others have had the same problem when I check the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a block or freeze on my report. I have sent documents proving my identity. I can not access the report and the bank can not open my credit report either. We are trying to buy house and without that score we can not get a house. There is a error code that comes up as XXXX  They also had my middle name wrong I sent documents with that also. They keep saying they fixed it but it never gets fixed. I have talked to them numerous times over the past couple weeks, actually the past year has been a nightmare.
Product: Credit reporting or other personal consumer reports

To Delete Hard Inquiries - Account Inquiries 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 . 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 reporting, credit repair services, or other personal consumer reports

CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number XXXX
Product: Debt collection

XXXX from IQ Data International contacted us ( XX/XX/2019 at XXXX ) trying to ask about all of our personal information. My husband hung up on him and he called me back and told me I made my husband hang up bc I was in the background telling him not to give our personal info to someone we dont know. I asked for a bill and he refused and said if I didnt want to pay my debt then it would ruin my credit and I told him that I didnt say I wasnt paying it I asked for a bill, the entire time he kept talking over me and telling me how this was going on my credit report. 

He kept yelling and talking over me so I asked for a supervisor. XXXX XXXX came on the line and was still rude to me. She said if I wanted a bill I had to request it via mail and I said I never heard of it being done that way and she was just making me feel horrible because I said Ive never heard of someone asking you to pay a bill but wont send you a bill. I asked for the address and other info needed and when she told me my account number I asked if it was alphaneumeric because I couldnt tell if she was saying H or 8 and she was, you guessed it, rude. I asked my husband if he heard H and he agreed it sounded like H then I asked for the amount owed and she was rude again telling me that the amount today is less than the amount tomorrow. I asked her to confirm the amount of interest and again, rude. 

I understand theyre trying to collect a debt but I dont understand why theyre so incredibly rude about it from the start.
Product: Checking or savings account

Over the last several years as a customer of Wells Fargo, I have paid hundreds in overdraft and other fees. I have tried to get these fees reversed and the response is inconsistent. Also, my account has been charged a monthly fee when I didn't have direct deposit even though I made the required debit transactions and have been a long-standing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX opened an account for someone who had stolen my identity. In the last couple of years there have been many unsuccessful attempts to open accounts in my name as my credit reports are frozen. The account number is XXXX and the account ID is XXXX. 
At the time I did contact XXXX XXXX by phone and told them the account was opened fraudulently. I never heard anything else about the account and assumed they had closed it. Recently National Credit Adjusters ( NCA ) opened a derogatory account in my credit reports attempting to collect on the debt. The debt is not mine and is fraudulently listed in my name.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all 3 credit bureaus. Transunion, XXXX, and XXXX XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Hard credit inquiry by Discover Financial with report number XXXX. They lack to request proper documentation in a timely manner and after me providing everything that was needed and accepted by their webpage they denied my application since I did not provided the information within their expected timeline. They had me open a second application which was also canceled during the process for no reason. For the XXXX time, time had me open another application, requested another hard inquiry within few weeks, provided all the documentation once again, including additional sensitive documentation from many past years to conclude that I was not elegible. 

I believe this is ridiculous, they could have mentioned that already since the first application if all documentation was provided already and not having me going through this process and request a hard inquiry to my credit report again.
Product: Debt collection

I started my debt resolution program through  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX , which included my Navient private loan. Initial contact by  XXXX  to Navient for this particular student loan account was initiated on  XXXX . Last contact was made in  XXXX . I have been receiving calls at least twice a day from  Navient  for the last few months to try and resolve this debt. On  XXXX / XXXX / XXXX , I spoke with  XXXX  from Navient, the account manager assigned to my account, and I had let her know that I am resolving my debt through  XXXX  and contact should be made through them ( my account profile reflects  XXXX  's phone number and mailing address for Navient to contact ). I also let  XXXX  know that if I am contacted again by Navient regarding this particular account, that I will file a complaint with the Attorney General and the FTC. She had mentioned that  XXXX  has yet to contact them. I spoke with  XXXX  on the same day and I was told by an account rep that they have been in contact with Navient and have already submitted the proper documents to initiate the negotiation process. Since  XXXX / XXXX / XXXX , I have received multiple phone calls each week from  Navient  in the month of  XXXX  asking me to still resolve my debt. I spoke with another representative today,  XXXX / XXXX / XXXX , and had stated again, that I am working with  XXXX  to resolve my debt and that all contact should be made through them. This is now harassment from them as they keep calling when I have respectfully directed them to work with  XXXX  for this particular account.
Product: Vehicle loan or lease

XX/XX/2019, I contacted Chase Credit to ask for a goodwill removal of a 30-day late payment. I explained to them that the late payment was not incurred due to my inability to pay. It was incurred due to problems with mail forwarding and dealing with my sick father. 

I've attached a copy of my bank statement as evidence of sufficient funds in my bank account to make the payment that is due, despite being impacted by the government shutdown. 

Also attached is a copy of an email sent to my employer to update my address. My team leader notified me that mail was returned as undeliverable. 

Despite the reasonable case that I've made, Chase Credit is acting unreasonably in assisting me correcting this mistake.
Product: Payday loan, title loan, or personal loan

This company is reporting 14 thirty day late payments on my XXXX  credit report for a loan that was taken out on XX/XX/XXXX. On the day the loan was taken out, one of the representatives informed me that I had to sit at one of the computers they have set up in their office and set up automatic allotments to get the loan repaid before I would be allowed to leave the premises with the loan check. As I was XXXX XXXX military at the time, I logged into my DFAS account right then and there and set up an automatic allotment for the amount of $ XXXX  monthly. This account was paid every month using this automatic payment. This account was closed in XX/XX/XXXX due to the balance being paid off in full and I even received a refund check as the allotments were still being paid for even after this account balance was at XXXX. I filed a dispute with all three credit reporting agencies as well as the XXXX  on XX/XX/XXXX. XXXX about the false reporting of several late payments on this account. On XX/XX/XXXX the company responded to my dispute saying that I missed one payment on XX/XX/XXXX yet they are reporting 14 late payments on XXXX  and placed a remark stating " no more than two payments missed '' on my credit report. After continuing to dispute this information, the incorrect payment information was deleted from XXXX  and XXXX, but the company failed to remove it from XXXX. Also, even though this account was closed with a {$0.00} balance on XX/XX/XXXX, they reported a 30 day late for XX/XX/XXXX as well as for XX/XX/XXXX. This company is in violation of the FCRA and reporting incorrect information on my XXXX  credit report.
Product: Mortgage

Valon XXXX  XXXX # XXXX requires a captcha during the login process to access my mortgage account. Often the captcha fails, and after spending 2-3 minutes clicking 4-6 times each on over 10 separate images ( 40-60 clicks total ), I have still not gotten into my online mortgage account to be able to pay the mortgage and receive the monthly bill.

No other financial institution that use requires me to click on images to login to my personal accounts.

Note that I have a two-factor requirement enabled ( text to my phone ), and I support this strong security feature.

But, the captcha has delayed or prevented me from logging in on several occasions -- the images are often ambiguous -- and this is completely unacceptable.

I contacted Valon about this issue, requesting that they remove the captcha from ( at least ) my account. My email XXXX XXXX XXXX XXXX XXXX  Dear XXXX, I am generally happy with the mortgage servicing from Valon XXXX  after my mortgage servicing was transferred to you last summer XXXX. 

However, I have been excessively frustrated with the captcha login requirement to get into my mortgage account. I have financial relationships with a large number of other banks and non-bank financial companies, and at no other company have I had to click on images before being able to login to my account. 

Note that I have no objection to a two-factor requirement ( text to my phone ), and in fact this is a good security feature. 

But, the captcha has prevented me from logging in on several occasions XXXX  the images are often ambiguous XXXX and this is completely unacceptable. 

Please remove the captcha requirement to login to my XXXX mortgage account. I would very much hope that this is not an issue I need to raise with the Consumer Financial Protection Bureau, my XXXX representative, and/or social media to get resolved. 

XXXX XXXX XXXX XXXX  Their completely unacceptable response : " Hello, Thank you for taking the time to reach out to us with your concerns. 

I understand this could cause you concern, however, this is not a feature we are able to turn off as it is controlled by our authentication provider. 

We apologize this has caused you frustration, but we hope this provides more understanding to the feature. 

If you have additional questions or concerns, please visit our Help Center at XXXX or contact us via phone or email at XXXX. Valon XXXX  is here to assist you with all of your mortgage needs. We hope you have a great day! 

Thank you, XXXX Servicing Team Hours of Operation : Monday-Friday XXXX EST Phone : XXXX ( XXXX ) XXXX Email : XXXX ''