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

Synchrony Bank has violated my consumer rights under 15 U.S. Code 1691 Scope of prohibition ( A ) Activities Constituting Discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
The right that I exercised is the use of credit Definition of credit under 15 U.S. code 1691a Definitions ; rules of construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 

On XX/XX/21 synchrony sent me a letter notifying me they lowered my XXXX XXXX account limit ending in XXXX from {$800.00} to {$100.00} for the following reasons : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent The reasons for lowering my limit are not valid because my use of credit was to incur debt and defer payment to pay back the debt over time. Currently we are in a pandemic and the use of credit allows me to provide for myself and pay back later. Im not required to have a real estate secured loan account to be able to use credit. Lowering the credit limit on this account will drop my credit score and cause extreme damage to my credit score and my feelings are hurt due to this. I feel emotional distress. I have been on time with this account and none of my other credit accounts are in negative standing. I feel like Im being punished for no real reason. The action they took to lower my limit could cause other creditors that I have accounts with to lower my limit and basically ruin my credit. 

And if this change wasnt enough damage Synchrony Bank then decides to close my XXXX XXXX XXXX account ending in XXXX for the same reasons before : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent I Also have a XXXX XXXX card account with Synchrony that at the time of this letter have not sent me a letter that they plan to make an action that will damage my credit by making changes to this account. But, from the 2 actions they have taken so far Im sure they plan to make changes and cause more damages to me and my credit. 

Synchrony Bank did not reach out to me at all to see how they can help me as a customer with these accounts but instead closed account and lowered my limit. This makes me no longer want to do any business with them. Just when I thought I was doing good with my credit they decide to XXXX me over.
Product: Debt collection

I have been going back and forth with this company by the name of Mountain America Credit Union about an account on my credit report. This started back in XXXX when I noticed a fraudulent account on my credit report by a company named Mountain America Credit Union, I disputed this account right away and it was removed from my credit report. Well recently the account appeared back on my XXXX credit report, but it was never removed from my XXXX or XXXX  report. I have been in contact with a one of the employees by the name of XXXX XXXX. I have been informed by her that I had needed to get a new police report, which I did in XXXX of XXXX. Also upon talking to XXXX I found out that many accounts were opened in my name and date of birth but a different social. I didn't know how this was even possible or how Mountain America Credit Union would let something like this happen. Well once they received a copy of my new police report, I was thinking the account would be removed but it wasn't. I have been told by XXXX XXXX that this will take some time and to basically be patient. Well I have been patient for over 2 years going back and forth with this company. This is ridiculous. I keep disputing the account with the credit bureaus but Mountain America Credit Union keep validating the account as accurate, when clearly this is a identity theft account. I have written communication with XXXX XXXX saying this is a fraudulent account, but yet this accounts continues to be verified every time they receive a dispute letter. I want this account removed immediately. I filed a complaint with the CFPB before and it was stated in the finding that this account is a result of identity theft. Please remove this account from my credit report immediately.
Product: Credit card or prepaid card

I signed up for a new credit card in XXXX of 2020 in which I was to receive 3 points for every XXXX  spent up to {$10000.00} or one year. I noticed that I have only been receiving 1.5 points instead of the 3 points. I contacted HSBC via online chat. I talked to a representative for over an hour. She said I wouldn't receive XXXX points until after I spent {$10000.00} which was incorrect. I called the XXXX number only to be stuck in automated black hole.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Chase because I was starting a new job. I deposited my first paycheck of {$1700.00} on XX/XX/XXXX and I also transferred {$370.00} on XX/XX/XXXX from my XXXX to the same Chase savings account. 

My Chase Savings account was closed by Chase and I contacted their customer support. They told me that the check deposit was flag as fraudulent because they could not verify the maker of the check. They ask me to provide them a number that they can call to verify that my company was the maker of the check. I tried providing them a number, but they told me that number is not valid. They then told me to go to a local branch to get it resolved by showing them a copy of my paycheck. 

When I went to the local branch, I provided the agent with a copy of my paycheck and also a screen shot of my XXXX  to prove that it was my account. I thought the XXXX was verified but, I have not received the {$370.00} back. And again the agent told me that they need to have a number to call to verify the check. 

So then, I contacted my company 's payroll department and they told me that due to company policy, they do not allow external parties to contact them. However, they did provide me with official documentation to prove that they are the maker of the check. So I contacted Chase again, but they still telling me that I need to have a number that they can call or I have to go in to a local branch with someone from the company that can verify that they are the maker of the check...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on these accounts I have listed in my investigation letter. Also I have attached the letter I sent out. 

According to the FCRA term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. it is not fair that these credit bureaus can keep inaccurate information on your credit report without being held accountable.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

My account with XXXX, XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and 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 reported in 60 days 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 XXXX ( 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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Product: Checking or savings account

On XX/XX/XXXX, I notice that {$28.00} was missing out of my checking acct ending in XXXX. My bank 53rXXXX and I decided to close this acct and start a new checking acct ending in # XXXX. My new acct was compromised about two weeks later for {$14.00}. 53rd dispute dept awarded me both transaction disputes, even though was still upset and baffled about how was someone able to steal my identity. 

My XXXX  check for {$1000.00} was deposited on XX/XX/XXXX. On this date I made authorized payments to XXXX  for {$280.00}, XXXX XXXX, XXXX XXXX {$63.00}, XXXX  XXXX XXXX XXXX {$46.00}, XXXX XXXX, and XXXX for {$910.00}. In all these places, I paid via phone payment by customer service representative by XX/XX/XXXX and XX/XX/XXXX. Every transaction was successful. 

On XX/XX/XXXX, I was informed by 53rd they are no longer going to be my bank and they are closing my account for good. I asked them why and they said, its in the best interest of the bank and this is a decision from the bank. They told me they were going to hold my money but I told them that was illegal and ai would notify XXXX. They told me shortly after to head to the bank and speak to representative in there. 

I went to XXXX and XXXX XXXX building. The teller told me that they are giving me all my money from my check. He called corporate and spoke back n forth repetitively with them. He kept asking me how much is my check for. I responded several times, {$1000.00} from XXXX. The teller gave me {$1400.00} bucks. I asked what was this for, but the teller just was saying this is how much you have nonchalantly. So that was a surprise to see more money than usual. 

Around mid XXXX, I received numerous calls from XXXX, XXXX, XXXX XXXX etc. I was told by all these creditors that my XXXX payments were returned. I stated to them all that I paid my bill in XXXX and will get verification that I paid from my former bank. I went into 53rd and retrieve acct summary for XXXX and XXXX. I noticed right away all the returned charges done by 53rd. No teller had an explanation, so I called in. I explained the situation and was angry that they made sure to return all my payments behind by back. This caused me to owe creditors late payments and interests. Apparently, the money I thought extra was the returned payment money done on behalf of the bank. The total of all returned payments were {$630.00}. This is higher that the {$490.00} dollars given to me extra, Also, 53rd knew when they gave me the extra money with my check what their motives were. Their motives was to hurt me financially along with the thief, by stealing my extra funds fictitiously. I was signed up to 53rd ID Alert for $ XXXX monthly and wasnt aware that the thief also changed my address with the bank to their address of XXXX XXXX XXXX XXXX   XXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reference # XXXX They have locked me out of my online account. Message says to call in. Dear Equifax, I REFUSE TO SPEAK TO YOUR OFF SHORE CALL CENTER ABOUT MY PERSONAL INFORMATION THAT IS SEALED BY A COURT IN OREGON. YOU ARE IN SEVERE VIOLATION, AND I INTEND ON OBTAINING AN ATTORNEY SOON.  Equifax REFUSES to update my court ordered name change that is a SEALED record. I wrote them in XXXX, but they disregarded the letter. It is my intention to find an attorney to file a lawsuit against Equifax because they are jeopardizing my personal safety by REFUSING to update my records. In the meantime I need credit TODAY. I have excellent credit, and have twice been denied credit 100 % due to Equifax 's error. They are lying when they say I do not have a file. I do have a file. They continue to lie, and refuse to fix this problem. CFBP WHO ARE YOU. WHY AM I COMING HERE TO NEVER GET HELPED. WHO CAN HELP ME???????????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial payments.
Product: Mortgage

I am writing to submit a formal complaint on property tax error made by Summit funding Inc and XXXX XXXX I noticed that {$1700.00} was disbursed from my escrow account on XX/XX/2021 and paid to XXXX XXXX. However, when I logged into XXXX to download the tax receipt, I found that my taxes were delinquent and had not been paid. 

Upon further investigation, it is confirmed by the XXXX XXXX, TN tax authority that XXXX paid bill # XXXX instead of bill # XXXX. This error has resulted in my taxes being delinquent and accruing interest. 

I would like to have this error resolved immediately by notifying the tax authority in writing and paying the property tax due, including the accrued interest. I expect that XXXX will be responsible for paying any interest accrued until this error is resolved. 

If you need to reach out for more information or evidence. Please do not hesitate to contact me. 

Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports  : XXXX XXXX : {$4100.00} XXXX  XXXX : {$3400.00}
Product: Mortgage

We don't have a major complaint, but were advised to send this message by our financial counselor as it happened while he was on the phone with Cardinal Financial during our phone call to them to receive information regarding loan modification. The number we called to request information ( XXXX ), we were requesting the name of a loan servicer on our account, we were not aware we hadn't been assigned one at that point. The employee answering the phone said she was 'just a call center ' and did not have that information, our financial counselor asked to speak to a supervisor and she put us on hold and returned several minutes later and stated there was no one available for us to talk to, so he did state that based on the CFPB we did have a right to speak to someone to receive help with our questions and the employee hung up on us and we did not receive a return call from Cardinal Financial. We did, however make another call later in the afternoon and were assisted by an employee in the Foreclosure Dept named XXXX and she was extremely helpful.
Product: Student loan

My student loan account was put into forbearance on XX/XX/year> per a phone call with Mohela. I received an electronic letter regarding the forbearance and interest accrual. However, my account continues to be past due. I have tried to contact Mohela about this several times. Electronic communications result in a boiler plate response about my account being past due and when I call, I am places on hold, if I get a call back, I am then transferred and placed on hold again.
Product: Checking or savings account

On XX/XX/2022, chase bank NA froze my funds and my business account due to a check that had a error, they have already reached out to the owner of the check and confirmed it was an authorized check, however Chase is still refusing to unfreeze my account. and holds {$720.00} locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage loan with CitiFinancial on XX/XX/XXXX. The residence was sold and the loan was paid off in XXXX. In XXXX, I received a package in the mail from XXXX XXXX who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because XXXX and CitiFinancial are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

CitiFinancial is unreachable and XXXX insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is zero, and the accounts are closed. However, This loan still shows up on my credit report.
Product: Debt collection

I dispute the validity of the debt as no agreement was signed by me. The debt collector failed to follow proper validation procedures and engaged in abusive practices, violating my rights under the FDCPA. I demand removal of the account from credit reports and compensation for the violations, or I will escalate to my attorney.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach from Equifax and XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, XXXX HAVE SEVERAL ERRORS ON MY CREDIT FILE. I KEEP FILING DISPUTES AND SENDING PROOF .I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I HAVE NO KNOWLEDGE OF FOR MANY YEARS AND AS A CONSUMER I HAVE THE RIGHT TO CHALLENGE THESE INACCURACIES ON MY CREDIT FILE. I DISPUTED 14 INQUIRES AND EQUIFAX SAID THAT THEY ARE FACTUAL AND IM NOT SURE HOW THEY CAME TO THAT CONCLUSION IN 1 HR AFTER THE FILING OF THE DISPUTE. I DIDNT GIVE THESE COMPANIES PERMISSION TO RUN MY CREDIT. ALSO THERE ARE ADDRESSES THAT I NEVER LIVED AT ON MY FILE AND I HAVE REQUESTED THAT THEY BE UPDATED AND THEY STILL REMAIN ON MY CREDIT FILE. PLEASE LOOK INTO THIS. 
THANK YOU
Product: Debt collection

A company identifying themselves as " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' claimed I owed : " Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$6700.00} Current Principal : {$6700.00} Interest Due : {$210.00} Other Amount Due : {$0.00} Total Due : {$7000.00} After numerous calls, every time, from multiple companies, asking for proof of debt via mail, one email sent on Tue, XX/XX/XXXX asking for the aforementioned and an attempted " unsubscribe '' unsuccessful, I tried again on XX/XX/XXXX. Screenshots of my unsuccessful and again attempt to " dispute '' the debt in writing, then unsubscription unsuccessful, I'm reaching out to the CFPB to help abnegate and keep honest this abhorrent collection company before they attempt to do more damage illegally.
Product: Payday loan, title loan, or personal loan

Dear Onemain I recently disputed some inncorrect information on my credit report with XXXX and they claim that the infomation was reporting correctly on the credit file and was Verified I'm going to need for You to tell me who you spoke with at XXXX  what Information did they send to you reguarding the dispute. also if you could please send me what you sent back to them also a copy of the credit application with my signature attached. Thank you so much ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XXXX through XXXX XXXX XXXX Imports dealership. I make it very clear to them that I did not want my credit ran through any other companies. Somehow, my credit got ran at XXXX XXXX XXXX which, again, was against my wishes and instructions. 

On XX/XX/XXXX, the dealership provided me with a letter addressed to Experian asking them to remove the inquiry from XXXX XXXX as it was " inadvertently sent to XXXX XXXX on XX/XX/XXXX, in error. '' I then wrote to Experian on XX/XX/XXXX, asking them to remove the unauthorized inquiry and provided them with a copy of the letter I had been given by XXXX XXXX. As of todate, the inquiry has not been removed. I have followed up with the dealership and they are at a loss of how to resolve this. 










wrote to Experian and informed them that there were two inquires on my credit report that I did not authorize.