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

A painting contractor I hired offered me a promotional deal in which I could get financing for 18 months at no interest, as long as I made regular payments. This arrangement was made through Synchrony Bank ( A company that was unfamiliar to me. ) My understanding was that my last payment was due XX/XX/2023. I made payments regularly. However, I received only a couple of statements of my account and no warning that the actual payoff date was XX/XX/2023. I did receive a letter from Synchrony in early XXXX stating they had a problem sending statements to my email account and that they were going to mail me statements instead. No statements have ever been received. If something was wrong with my email, they also had my physical address and my phone number. 
I made a payment of {$10000.00} in XXXX. and on XX/XX/2023 I called Synchrony to make a phone payment and learned that my account balance had jumped by over {$14000.00}. I found that I had been charged the total interest for the total duration of the account on XX/XX/2023. 
I paid off the entire balance in a direct transfer from my credit union, but the $ XXXX interest payment was paid under vigorous protest. 
Synchrony Bank, which has some sort or relationship with XXXX, conducts its business from a number of offices ( I do not mean bank branches ) throughout the country. I was dealing with its office in Florida. Their system is almost completely automated. One has to wander around on their website even to find a phone number. The number is answered by a robot. It states upfront that to talk to a human costs {$10.00}. 
Thus instead of spending hours on the phone talking pointlessly to robots, or spending {$10.00} each on a number of fruitless calls, I am skipping that and complaining to you directly. 
I believe that $ XXXX interest charge was unfair and exorbitant because of the lack of statements advising me of the status of my account. For this kind of an offer, I think I should have been sent regular statements. The statements should clearly indicate the payoff date and balance for the special offer.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Debt collection

VYSTAR CU P. O. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PLEASE DELETE PERMANENTLY!!! 

Please be advised that this account went into default during the XXXX pandemic. While millions of American citizens went bankrupt from the crisis, I had to close my business by federal, state and local mandates. 

I could have requested my creditors to place my accounts into deferment. I did not. 

I could have filed for Chapter XXXX bankruptcy. I did not. 

The XXXX XXXX XXXX XXXX ( FDIC ) has guidelines to help citizens defer secured and unsecured debts. Almost all federally insured financial institutions received financial remuneration for fiscal losses. 

I received XXXX help from any federal or state agency. 

Accordingly, I believe that under the circumstances that financial institutions received compensation, and that I worked my way out of debt when I was able to open my business again, I should be granted relief and have the aforementioned account deleted permanently. 

Thank you for your consideration in this request.
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and sent certified letters to all 3 credit bureaus advising of items found to be incomplete and inaccurate listed on my file for XXXX XXXX on XX/XX/XXXX. XXXX and XXXX deleted XXXXXXXX XXXX. Experian continues to violate my FCRA rights and is in direct violation of Federal law.

Credit Report # XXXX for XX/XX/XXXX : XXXX ( XX/XX/XXXX ) Account Charged off. {$3600.00} written off {$4000.00} and reflects as disputed information is unchanged from a dispute in XX/XX/XXXX. Report # XXXX dated XX/XX/XXXX shows XX/XX/XXXX with No Data ( ND ) charged off in XXXX with a balance of {$4200.00} past due as of XX/XX/XXXX, and dates that go back to XXXX, weren't listed on my most recent file. 

FCRA 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Debt collection

How are you. I sent a complaint in for COMMON WEALTH FINANCIAL. a few weeks ago you all got it removed from my XXXX  report. I noticed, it is still showing on my XXXX report. if you can kindly get it removed, I would Appreciate it.
Product: Mortgage

On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was sent to collections ( XXXX ). I made a settlement with XXXX and completed my installments in XXXX. I was told my XXXX account on my credit report would be updated to reflect the debt was settled. As of yesterday, it was not. I disputed. Experian only put my statement on my report and failed to verify with XXXX XXXX that the account was legally settled - so the status of the acoount remains the same. How is this even possible that they leave incorrect information on my report?
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX and Capital One N.A. It seems Capital One has taken over XXXXXXXX XXXX XXXX XXXX as recent statements sent by collection company are under Capital One and they have been contacting me about a debt since XXXX. They put the supposed debts in collection in XXXX with XXXX XXXX XXXXXXXX and they are now transferred to XXXX XXXX XXXX when I lived in CA.. 
They contacted me and I told them in writing and that it is not my debt, that my identity was stolen and asked them to stop contacting me. They refused and continued to contact me and making threats that I would be sued. 
XXXX XXXX XXXX kept contacting me. They sent me " Proof '' that the account was mine, by sending me a statement with my name and an address I have not lived at for several years. This is not " proof ''. I have asked for something with my signature, but they have refused to send it. 
This is not my debt and I refuse to pay it. 
This has been on my credit report since XXXX and as of XX/XX/XXXX it says it will be on there till XXXX.They seem to be changing the collection services to start the 7 year date all over. I have never acknowledged this debt as it is not mine. I have written to both collection agencies and XXXX and Capital One, stating not to contact me and the debt is not mine. They still continue to contact me and make threats. 
I have also contacted the 3 credit reporting agencies in an attempt to remove these accounts several times over the years, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To: EquifaxXXXX XXXX XXXX, GA XXXXTo Whom It May ConcernI am writing to dispute the following inaccurate information that appears on my Credit report. My rights under FCRA Sec 611(a)(2)(A). Apparently someone with similar name to mine filed bankruptcy and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report.I Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtor’s full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.I received dispute results please contact Public Record Information This section includes public record items obtained from local, state and federal courts through a third party vendor, XXXX. i have approved from XXXX no public record. I have provided evidence to get these accounts removed (Case No: XXXX)1-Letter from United States Bankruptcy Courts does not provide any information to the credit reporting agencies                                                                                                                                                                          2- Letter from XXXX   Bankruptcy public record Deleted On 08/2019                                                                   3- Credit report from LexisNexis on XX/XX/2019 no Bankruptcy public record                                                  4- letter From XXXX they open manual dispute to Equifax no Response from Equifax.                                                          Please delete these items as soon as possible I look forward to your response.XX/XX/2019Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX                                                                                                                                                     Tel: XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. Capital one did this in the past to me as well and always refused to not report after showing and proving proof
Product: Credit card or prepaid card

Reference continuance from Complaint # XXXX.Chase still has not issued a provisional credit and over 14 days have passed since notifying Chase. Chase went a step further and attempted to force me to fill out a paper form. Per Reg Z, if a Issuer accepts billing errors to be filed via phone, then they can not require another method of filing as well. Chase took no action on my account until they received the above referenced CFPB complaint on XX/XX/XXXX. At that time, they simply tagged the transactions and took no further action nor started an investigation. In addition to this, the card issued is a Visa Card, and therefore requires provisional credit to be issued within 10 days. As of today Chase has not taken any action to rectify this situation.
Product: Money transfer, virtual currency, or money service

I had issues with XXXX, money was sent to wrong person and I couldnt get help getting it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge.
Product: Credit card or prepaid card

I have been calling XXXX at XXXX, to get a card mailed out to me so I can receive my housing utility benefits from section XXXX housing I have been calling every day non-stop multiple times a day since XX/XX/2020, I sometimes spend my whole day trying to get through to someone. They have me listening to the music for over an hour when I can finally get past the operator stating that the line is busy. Then after me listening to the music as stated for an hour-long or more they end the call or they answer without saying hello or anything and just hold the phone. I need that money to pay my bills.
Product: Mortgage

I have been working with the home affordable program via XXXX XXXX they have approved me for assistance to bring my account current to this date MR Cooper has not responded to there request for the current amount to bring the loan current I keep getting the run around by MR cooper telling me they have been in contact with the State of Colorado director and the State Director is telling me no they have not responded to there endless emails for the past 6 months I need help or we are going to loose are home at no fault of ours.
Product: Bank account or service

On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.
Product: Payday loan, title loan, or personal loan

As of today, XX/XX/XXXX, TWO ( 2 ) months since this account was PAID IN FULL, there have been NO refunds credited to our bank account. As per our communications up to this point, my wife and I have been told NUMEROUS times that : ( 1 ) The refunds have been submitted ( 2 ) the refunds have been approved ( 3 ) the refund requests had to be transferred to a new department as part of the merger ( 4 ) the refunds have been sent for approval ( 5 ) you should see the refund in 7-10 business days ( 6 ) you should see the refund in 5-10 business days ( 7 )  you should see the refund in 5-7 business days ( 8 ) we can not see anything past the refund being approved ( 9 ) there was only one refund approved, we haven't heard anything about a second ( 10 ) we see the second refund and have submitted it ( 11 ) the second refund has been approved. 
( 12 ) If you don't see it in your bank account by _______, please call us back. To which we have done. MANY, MANY times. 

We have gone through the process of verifying the bank account information, ( to which I am VERY aware that IF there was any issue with my banking information after the refunds had been sent, that your office would have received notification that the refunds were returned to your company. THIS IS NOT THE CASE. We bank with a credit union whom is local and they have NO RECORD of there being ANY attempts for your company to make any deposits into our account. Our payment information hasn't changed, our banking information such as the routing and account number have not changed. 

ALL of this communication has been documented on your end and MINE. I am in the process of having our attorney draw up some final paperwork as well as file a couple of complaints with the XXXX XXXX XXXX, the Wyoming Attorney General 's Office, and the Consumer Financial Protection Bureau. I expect at this point to see some results from your office and hear from someone TODAY. I have left you two voicemails to this point and am willing to leave even more. At this point, in my mind, this is considered FRAUD. 

You have also been emailed with no response as seen below. If you don't have the answers for us on WHEN we will be getting these funds owed to us, which, BY LAW, you technically have 7 days to return, then PLEASE GET SOMEONE TO CALL ME WHO CAN ANSWER WHY WE DON'T HAVE OUR MONEY. NOT your company 's money, OUR money. 

Again, for your reference, this is the balance owed to us : Payoff amount : {$1000.00} Pay off check : {$1200.00} Overpayment : {$200.00} Approved XX/XX/19. ( 13 DAYS ) Additional payment taken {$130.00} Refund balance {$330.00} SAME AMOUNT SHOWN ON MY PREVIOUS EMAIL Payment approved XX/XX/XXXX {$130.00} Approved XX/XX/19. ( 19 DAYS ) TOTAL OWED TO US {$330.00}
Product: Credit card or prepaid card

The credit card company was authorized to draw more than 30.00 out of my checking account on automatic payments. This month the company drew on 30.00 and an extra 420. Without my authorization. 

Best Buy VISA Card/Citi Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.
Product: Credit reporting or other personal consumer reports

ON XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX AND XXXX XXXX XXXXXXXX ON XXXXXXXX XXXX MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I was advised by employees at XXXX and Transunion to fill this out to remove the fraudulent and unauthorized inquiries from my credit report. Please remove them as I do not recognize them.