23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Synchrony Bank is another creditor that has harassed me and intentionally marred my credit for years ; and for unclear reasons. I paid off the XXXX XXXX account and not only did they fail to close the card, they continued to allege I had a XXXX dollar balance and put a charge-off on my credit. This is the same bank that alleged I owed the XXXX dollars and put a lien on my home causing a divorce and physical injuries to myself and my children as we were literally entrapped in a sick home and unable to sell until they became cooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or there about i contacted XXXX  XXXX  to have the electricity turned on, the XXXX  XXXX  rep informed me that she could not start an account without additional id and a trip to XXXX because i had placed a fraud alert on my equifax account..so immediately i contacted equifax via the website, there i could not be identified and was directed to call equifax. I called equifax, the computer that answered first could not verify my identity and referred me to the website, after a time i found out how to get an agent who promptly told me to call back in a few hours, equifax was having trouble with their computers. I tried again later with the same result. A week later on XXXX i called equifax again after being referred to the phone number after trying the website, here service was great and it looked as if some progress was being made, i let them know i wanted to lift a fraud alert, he changed the terminology to credit freeze, flag no 1 ... i have requested neither fraud alert or credit  freeze from equifax, until recently i havent given equifax permission to do anything for or to assist me, so the rep continues to attempt to verify my identity and the last question was about the date of the last activity on my accounts fraud alert/ credit freeze ... .how would i know? I didnt place either, my suspicion is that equifax did after the security breach. So how would i know the date of its last activity. And if equifaxs ' main priority is to protect that account it seems  incredulous to use recent account activity for identification purposes ... i mean really ... i can steal your id, start new account activity and your going to use that activity to identify the rightful owner of the account? So i ask to speak to a supervisor because the rep is asking me to mail in documents that i currently dont have.maybe i should have those documents but i dont and i havent requested anything from equifax and i doubt seriously that my id has been stolen, no one would want to be identified as me i promise.anyway the rep searches for a supervisor for several minutes only to return and say he cant find one ... so my 6th contact with equifax and im still no closer to resolving the issue than i was when i found out about it, and my electricity still isnt on. I dont know what value can be placed on that, or the fact this freeze is most likely why i havent been able to get credit in years, a freeze i did not request, but i intend to find out and seek to recover if possible.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a credit line increase with XXXX XXXX XXXX and my credit report was pulled and my identity was verified, as I authorized one credit pull. I was informed that I had to access the credit line increase through their website and continue the process online to access the credit line amount. When doing so the system had restrict me from going further and XXXX XXXX XXXX was contacted. I was transferred to the security department and I informed that I was approved for the credit line increase and identity verification was needed in order for me to proceed. After my identity was verified the representative stated that the restriction was lifted and I will be able to access the credit line increase further. When I proceed to go back online to continue. I received several alerts that my credit file was access again by XXXX XXXX XXXX and hard inquiry was placed on my credit report. I contacted XXXX  XXXX XXXX again and informed them of this issue. I was verified again and I was told to try again. I did the same process online and my credit report was pulled again for the same credit line increase that I was originally approved for. I spoke to several supervisors and they didnt see any restrictions or anything blocking me from continuing the process online. I was told to try again and it should be fine. While doing so it pulled my credit report again. So I tried from another account I had with them and it sent another alert stating that my credit report was pulled again. When I contacted the bank the next day. I was told that they will put in a ticket due to a technical issue and security issue on their end. This issue took over 3 weeks to be resolved and is now  fixed as off XX/XX/2019. Which took many calls, being transferred many times and speaking with several different supervisors who put in several different tickets to resolve. This has created many hard inquiries that has decreased my credit score significantly. I am requesting for the hard inquiries associated with XXXX XXXX to be deleted from my credit report/file. As I applied for one credit line increase and was approved. Due to their online technical security issues in their end. My credit report was pulled many times. See an attached documents below of the many daily credit pulls from XXXX XXXX. XXXX  XXXX needs to send the credit bureaus a deletion request for these inquiries due to this inconvenience and the technical issue on there end As a customer when applying for one line of increase. A credit report should only be pulled for the one approved application even after proceeding. I have informed XXXX XXXX XXXX in reference to the hard inquiries and they have yet to send the bureaus the deletion request, I am requesting for Equifax, XXXX  and XXXX  to delete this issues. See attached document with dates and hard inquiries by XXXX XXXX below. As a customer I value business with XXXX XXXX and continue to keep my accounts with them once this issue in reference to these hard inquiries are deleted.
Product: Mortgage

I have a home mortgage with Provident Funding and we have repeatedly run into issues with poor service and process requirements which are a detriment to their customers. 

My most recent issue : My home received wind damage to the roof from a thunderstorm. I received a claim check in the amount of $ XXXX from my insurance company made out to me and Provident Funding. I sent the check to Provident for endorsement. First, they deposited the check in their own account rather than endorsing it and sending to me. Provident then held funds for 5 days.. After which they issued a check to me AND the roofing contractor. This now forces me to only work with that roofing contractor for the full amount. I am unable to withhold funds if there are issues that I want the contractor to resolve before full payment. 

I called Provident Funding customer service. The customer service agent said that issuing to the contractor was a requirement of their investor, XXXX XXXX. I asked them to send me documentation of those requirements and they refused. ( " We do not email our customers, even at their request. '' ) I then reviewed the posted guidelines from XXXX XXXX online and the guidelines do NOT require this. I raised the issue to the customer service manager, XXXX, and he acknowledged that the current guidelines do not require this. However, he then claimed that the posted guidelines were " new '' and Provident was not required to follow those guidelines for another month.. Since we both agreed these were the current guidelines, I asked them to re-issue my check per the guidance from XXXX XXXX. He said that regardless of the current guidelines, Provident was not required and so, NO, they would not. He made no apology for their delay in following the guidelines. 

My complaints : - Provident provided me with false information about current guidelines. They only acknowledged the error when I researched and pointed it out to them. 
- Provident is intentionally delaying their adoption of the current guidelines for their own profit at the expense of consumers. They are doing this by holding claim money longer than needed so that they can collect interest which is not rightfully theirs. 
- The attitude from their customer service manager was poor. 
- They refused to provide me anything in writing to back up their claims. They told me to " XXXX it '' myself.
Product: Credit reporting or other personal consumer reports

I am being a victim of a collection agency that has reported to the credit bureaus the information of an account that was never verified, and also that does not meet the age requirements. The account is too old to be collected, that account has never It has been verified in addition to asking for help and never receiving it before seeing me harmed by this company that has also posted in comments very allegedly information about this arbitrary account, that I have disputed this account with you and that I did not get help. I sent proof that I sent a letter requesting verification of this account and I never received a response in the following 30 days, to which I have the right and therefore I am protected by law to have this account deleted from my credit report immediately
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Debt collection

I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency multiple letters to validate/verify the debt and each request was ignored. They only continue to send letters asking that I pay the debt and continue to report to the credit agencies without any proper debt validation. I also disputed the account with the credit bureaus and the collection agency is replying that the debt is accurate without proper proof or validation.
Product: Checking or savings account

bank fraud people depositing check and trying to withdraw the money. i'm not the only one in my XXXX that have had this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

my car loan with XXXX XXXX XXXX violation according to the FCRA 15 U.S.C. 1605 determination of finance charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit card accounts were open in my name at navy federal credit union in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any navy federal credit card debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue on my credit report. There is an account listed that is currently in pending litigation, and it is being reported inaccurately. As this matter is still under legal review, the account should not be reflected on my credit report.
Product: Debt collection

They slapped on so much interest rate that it was impossible to pay, they then slapped it on my credit
Product: Credit reporting or other personal consumer reports

Someone used my information to apply for credit accounts. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about this before. USAA has deceptively charged me an extra {$300.00} for 6 month period on my car insurance, which I complained about but paid and lessened all my coverages. Then just now they have added {$200.00} more to the new policy because they can. the first over charge came after I had one chargeable incident involving my car skidding on the garage wall of XXXX  XXXX 's XXXX Loop from the lower level to the higher level because a SUV was entering and did not give me enough room to exit. The wall did not cry, no damage to the wall but if I diid not do this I would have been hurt. the unchargeable accident that happened in XX/XX/year> I was rear ended and XXXX XXXX paid after i got a lawyer, and he also got USAA to pay me as well. {$16000.00} and most went back to USaa to pay of one of those XXXX charges that I had not been able to pay. I also paid off the auto ins premium in full I had at the time. 
I have just retired and I was an advocate in Real Estate for my clients and never did I have any claims against my license. I am a XXXX XXXX now in full use of my faculties. Just angry at being taken advantage of Before this my 6 month was in the {$800.00} 's now it is XXXX, Senior Abuse as well!
Product: Credit card or prepaid card

I have a US Bank Platinum Visa card. My due date is the XXXX of the month. On XX/XX/XXXX I was charged a {$27.00} late fee despite the fact that my payment posted on XX/XX/XXXX. I contacted US Bank via telephone regarding the late fee and on XX/XX/XXXX my account was credited. 

On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged another late fee, this time it was {$38.00}. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. 

I contacted a US Bank representative via telephone on XX/XX/XXXX and was told that a supervisor would give me a call within 24 hours. I never received a call back. The {$38.00} late fee that I was charged for XX/XX/XXXX was credited back to my account but not the late fees for XX/XX/XXXX ( {$38.00} ), XX/XX/XXXX ( {$38.00} ), and XX/XX/XXXX ( {$38.00} ). 

Is this legal? I would like these unjust fees to be credited back to my account.
Product: Mortgage

my XXXX elderly mom XXXX XXXX name was forge to a loan at XXXX XXXX that wells fargo own bank. before she XXXX she has been complaining about her loan was paid in full .no one reached out from wells fargo to see could fraud has happened to this elderly retired woman who is XXXX .she been writing back in forth. i found one of the response from wells fargo dated XX/XX/XXXX. i own the property now. im trying to see what happened on XX/XX/XXXX. still complaining about signatures on original loan. XXXX have been complaining before tens years about this loan. i need a copy of settlement statements, copy of check front and back of cashed if cashed was given. signature would be on back of check.proof of mortgage applications proof of income that was used to get mortgage .a copy of all pages of mortgage closing from title .wells fargo i need proof before i do any loan modifications. im entitled to know and have paperwork on what is owed and where is the payoff later from previous lender. why did the loan number change and when. the loan was not changed until after XX/XX/XXXX or when? im looking at papers from XX/XX/XXXX it was the same and now the loan number is XXXX what was the balance before you changed the loan number? provide me with paperwork on the change. why did you change it where is the paperwork from XX/XX/XXXX that XXXX XXXX XXXX gave you when you took this loan over how much was owed how many payments was made? .i need the paperwork showing what the loan was when you first got it to now. i need payment history from beginning to present .how much was owed when you changed the loan number explanation please with supporting documents. i need again every page of loan closing documents check signature on cashed check for the cash back received i have a write to read and investigate everything before i sign my name to pay any loans my mother had,. before i pay any money out or any loan modifications. waiting on paperwork .names of people that was present at closing .name and address of title company. what qyalified XXXX for XXXX loan with social security and penison unbelivable i also need payoff later from previous bank when XXXX supposedly had refinanced on XX/XX/XXXX. i need help. XXXX XXXX XXXX
Product: Credit card

There was an attempt to open a credit card with BANK OF AMERICA on XX/XX/year>, I received multiple emails stating " a lender has viewed your report '', " review the new inquiry on your credit report, & " there's a new credit card inquiry on your credit report ''.
Product: Payday loan, title loan, or personal loan

XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. 



Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.
Product: Credit card

I purchased a refrigerator/freezer from XXXX XXXX XXXX It was falsely advertised as Stainless Steel. Upon delivery it was grey. XXXX confirmed that this refrigerator is only made as a stainless steel look and not stainless steel as Home Depo advertised. They came back to pick up the refrigerator and charged me a {$400.00} restocking fee. They have since added on unfair late charges on top of the leaving me with a {$900.00} balance and have completely ruined my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, EQUIFAX, and XXXX allowed several financial institutions to make inquiries on my credit report without my prior authorization. My prior authorization and expressed written consent is always required. Otherwise inquiries being made on my credit report without consent or authorization is considered identity theft. I will not allow any company to commit any crimes against me using my identity and the likeness thereof. My privacy always comes first and it is my XXXX given right to have privacy at all times. Here is a list of the unauthorized inquires : 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$4100.00} XXXX Account Number : XXXX Balance : {$0.00}