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

I received a text message from my Father on Monday XX/XX/2020 In reference to a purchase in the amount of {$6.00} that he made on his PayPal MC through Synchrony Bank and the item never received. My Father put in a dispute and the {$6.00} was refunded. On XX/XX/2020 the same merchant put a charge in the amount of {$95.00} on his PayPal MC. My father is XXXX years old and has a XXXX and is unable to speak to use the phone. This is were I came in to help my Father. I called Synchrony Bank on or about XX/XX/2020 to see what process needed to be completed to help my father rectify this issue. I was told by a customer service representative that I needed to have my father type up a letter with his name, address, SS, DOB, Synchrony CC account number my name, address, SS and DOB have my Father sign ( no notary needed I asked ) and fax it  to a specific fax number. This would be a lead time of 7-10 days and to call back to see if they received the letter. I followed their instructions and when I called back they did not receive the letter. I faxed the letter again, waited 10 days called back and was told that was not the proper process. I was told by a supervisor in a not very nice manner that my Father needed to obtain a durable power of attorney and I need to fax the POA to a specific number. Additionally, I was told by the supervisor that if one thing was wrong with the POA it would be denied. To review the POA this would have a lead time of 7-10 days and to call to see if received. My father received notification in the mail from Synchrony Bank on XX/XX/2020 that they received a request from my Father to add a POA to his CC account and that additional documentation was needed. On XX/XX/2020, I spoke with a Synchrony Bank customer Representative that explained to me that not only would I need to complete additional documents that I need to sign and have notarized, that they need to receive a letter from my Father explaining exactly what authority he would want me to have. I tried to explain to the representative that a durable power of attorney states what authority I have. I first reached out to Synchrony Bank on or about XX/XX/2020 and it is now XX/XX/2020 and I have not been able to resolve or help my Father 's problem. Meanwhile, on a daily basis he received numerous phone calls, emails and mail in regards to his account not being paid. Additionally, his credit score has gone from the XXXX to XXXX. I will complete the steps that need to be taken to received the authority needed to resolve this problem. My problem is each time I call I have to send more information due to not receiving the correct information each time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for Transunion, XXXX, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I asked that the name of my current employer be updated. The credit reporting agency did nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXXXXXX that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments /ve attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 im now requesting you investigate this account and update these payments to paid on time immediately. I was in forbearance and spoke with student loans and they said no late payments should be reported to my account because of XXXX XXXXXXXX at the time as well. Thank you for your understanding and prompt action
Product: Credit reporting or other personal consumer reports

Im reaching out to file a formal complaint against Bank of America regarding their ongoing reporting of incorrect information on my credit report. Despite my efforts to dispute an auto loan account ( Account Number : XXXX ) multiple times, they have failed to fix or remove these inaccuracies. This misinformation has been damaging to my credit score and creates a false impression for potential lenders, which could hurt my financial future. Ive contacted both Bank of America and the credit bureaus repeatedly, but no resolution has been reached. Its incredibly frustrating to see this issue persist despite my attempts to address it, and its causing unnecessary stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX  XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX I spoke with XXXX a Bank of America Supervisor regarding not being able to obtain bank statements. After searching all possible identification options, XXXX informed me that there were 12 accounts in my name created in XXXX the year I was born. I was instructed to continue checking in order to get the accounts transferred. I notified XXXX that I could not do so online because the online access tells me I need to be verified inside any branch. I have verified inside the branch six times. Each time the holds are cleared, I am told to open an account online. Each time I attempt my account gets locked via social security number. I am being given the run around and I am very upset.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX 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 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 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 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: Vehicle loan or lease

In XXXX of XXXX, I received documents from Toyota Financial dated XX/XX/XXXX. The documents included XXXX " sign-off letters '' as well as the Title to the vehicle. 

To my surprise, on XXXX Monday XXXX ( XX/XX/XXXX ), my daughter with whom I'd co-signed the car loan called to tell me that Toyota had repossessed her car. I don't understand this as she'd made the final payment in XXXX, leaving Toyota over a month to either accept or reject the payment. To this day, neither of us has received any documentation stating Toyota wasn't able to collect the funds. 

Without any warning, Toyota contracted with a tow company from XXXX, NJ to repossess the vehicle. As my daughter has a young child, she really needed the vehicle to be able to work and transport her son to daycare. 

Naturally, this has ruined my credit as well as my daughter 's. Please investigate. I have color copies of all my supporting documents available upon request.
Product: Mortgage

It is my belief that Roundpoint Mortgage should terminate PMI fees now that I have reached the XXXX % threshold as stated in my original PMI loan documents. I notified them in writing as required. I have never been delinquent on any of my payments to them since the loans inception, I have a XXXX plus credit rating and my house market appreciation has well exceeded the original loan apraisel based on other homes recently sold in my area. 
They insist on requiring me to get an apraisel which would almost eliminate any cost savings to me. Even though it is not clearly stated that that would be required in the original loan documents. Seems a though the whole system is rigged in there favor to unfairly profit off of responsible home owners like myself
Product: Credit card

PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like XXXX, Equifax and XXXX to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither Equifax nor XXXX, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information. 

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization.

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. XXXX, Equifax and XXXX are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.
Product: Checking or savings account

Robinhood is holding my tax documents from 2017 over my head and laughing when I try to access them. Robinhood unjustly and unfairly closed my account when one of their now-fired employees named XXXX made XXXX advances on me and I deflected them fearing that it was not professional and that in general he was just an old creep using his power at the company to get me to validate his poorly-made advances. Well now he's fired, but before he was fired, he kicked me off the platform because I didn't give into his poor XXXX advances towards me, something that Robinhood allowed one of their employees to do to a client.
Product: Credit card

I am writing to express my deep disappointment and frustration regarding my recent application for an Apple Credit Card, which was unexpectedly denied despite meeting or exceeding the stated minimum requirements.

I applied for the Apple Credit Card with a credit score of XXXX, well above the minimum score of XXXX required for approval. Furthermore, my credit report shows no hard inquiries or derogatory marks, indicating a responsible and stable financial history. Given these factors, I was confident in my eligibility for the Apple Credit Card.

However, to my dismay, my application was denied without any clear explanation. This rejection has left me bewildered and deeply concerned, especially considering that I appear to meet all the criteria for approval. As an XXXX XXXX individual, I can not help but wonder if my race played a role in this decision.

While I understand that credit decisions are complex and multifaceted, and that there may be factors beyond my credit score at play, I am troubled by the lack of transparency and clarity surrounding my denial. It is essential to ensure that the credit approval process is fair and free from any form of discrimination.

I kindly request a thorough review of my application and a detailed explanation for the denial. I urge you to reconsider my eligibility for the Apple Credit Card based on my qualifications and merits as a consumer. Additionally, I would appreciate any assistance or guidance you can provide to address my concerns and rectify this situation. 

Discrimination of any kind has no place in our society, and I trust that Apple values diversity and inclusivity. I hope that we can resolve this matter amicably and restore my confidence in your company 's commitment to fairness and equality.

Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 

If requested i can send a copy of my current report.
Product: Checking or savings account

Navy Federal Union charged over draft fees when told they dont. They take money out to pay the bill and it says its gone through. Then theyll reverse it and then take it out in a few days and then somehow I have way less money than Im supposed to have. This has happened multiple times, if not a weekly basis. I also have been charged for returned checked fees when clearly money was in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Citibank Credit Card applications to find out the status of my application, that was referred to me from XXXX, due to my exceptional credit score. 

I talked to XXXX, whom informed me that my application was denied, due to not being able to identify me. Case closed, ( See enclosed XX/XX/XXXX letter ), I was shocked to find that I was not allowed, ( trusted ), to identify myself, denied a way to fax over a utility bill, or ID, notary, something, to complete the application. I asked to talk to a supervisor, after a few minutes on hold, I was informed that XXXX was using some kind of security website, ( unknown ), and that I was found on it, and a phone number was listed next to my name, and XXXX was to call it, and if I answered, then my application would be cleared, but, if I did not answer it, then I would denied approval. 

I expressed some common sense here, stating, what if that number, ( which I did not know what number it was ), was disconnected, old, discarded, not mine, whatever, and again I was informed that this was their policy, and I was to be denied approval. 

Well, I wished XXXX good luck on that, and expressed that I spent too much time in this rabbit hole long enough. 

On XX/XX/XXXX, later that day, I finally found the Office of the President of Citibank, ( XXXX ) XXXX, and talked to XXXX XXXX. 

I explained the above to XXXX XXXX, and he seemed understanding, and asked for some time to INVESTIGATE the situation further, and he would contact me with his findings. 

I called his direct line, and left a message on XX/XX/XXXX, asking for an update ; I never received a callback, as a matter of fact, as of the writing of this complaint, XXXX XXXX, never contacted me again. 

On XX/XX/2021, I called XXXX XXXX, again that went to voicemail, ten minutes later, I received an email letter from his department, ( See letter dated XX/XX/XXXX ). 

That letter dated the XX/XX/XXXX, is the same response that was the same as, when I talked to XXXX on the XX/XX/XXXX. 

In fact, that XXXX XXXX, did nothing, but waste time.
Product: Checking or savings account

I received a check for about XXXX $ around the end of XXXX, then on XX/XX/XXXX, I went to the nearest Wells Fargo to cash the check. Once I cashed it out, I went to the ATM just outside the bank to deposit the money. Once I deposited the money, I attempted to withdraw XXXX XXXX I was given an error on the ATM stating there was not enough money in the ATM. I didn't understand why there wasn't enough money since I just deposited XXXX $ shortly before but I didn't think too much of it at the time. I went back into the bank and withdrew the money from the front desk. Once I arrived home, I check my account balance on my computer and noticed a XXXX $ withdrawal transaction between the XXXX $ transaction and XXXX $ withdrawal. I immediately went back to the bank, checked the ATM just in case, then walked into the bank to ask about this transaction. I explained the situation to the bank teller then I was told to call the support number or file for fraud on the website when I got home. That was my only option so I did exactly that. When I arrived home, I submitted a case about an unauthorized ATM transaction. I was to receive a new debit card within 5 to 7 business days. On XX/XX/XXXX, I was told through email that the case is being looked into. Not long after, I checked the status of the case and it said " closed ''. I didn't receive an email or phone call pertaining to the closing of the case, it was just closed one day. I called support where I was told there was nothing they could do about it since the case was closed.
Product: Credit reporting

I am attempting to have a tax lien removed from my Transunion account. 
I was given a fax number to fax pertinent documents. After multiple attempts to fax said information, they only received XXXX pages. They will not allow scanning or e-mailing of data. They claim it 's not " secure ''. Their fax number is constantly busy and I 'm unable to get through. I have tried repeatedly all to no avail. I find it incredible that in 2016, this company is still using outdated fax technology. Please someone do something about this. They only apologize and repeat the same answers ... .we only accept faxes. Amazingly stone age technology still used.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act. Capital One Auto Finance XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

My husband and I purchased a condominium with XXXX XXXX in XX/XX/XXXX. We put 15 % and were scheduled, per contract, to be making payments to PMI through XX/XX/XXXX. We made additional payments and were therefore set to be released from PMI when our XXXX reached 78 % in XX/XX/XXXX. This was communicated to us via XXXXXXXX XXXX  portal which we no longer have access to. 

In XX/XX/XXXX, we sent written communication to XXXX to start pulling our bi-monthly payments from a different bank account. In XXXX or XX/XX/XXXX Newrez took over our mortgage from XXXX. Newrez continued to pull the bimonthly payments from the wrong account. The original account, not the one we had sent a written request to commence payments from. This caused a late payment in XXXX, but we spoke with a customer service representative who took a payment over the phone and we believed this issue to be resolved. No late fees were charged, we were assurred verbally that this would not be considered a late payment. Newrez did go ahead and report a late payment to the credit bureaus. This has since been resolved, and Newrez confirmed with the credit bureaus that there was no late payment.

This is relevant as now Newrez is saying that due to a late payment we will not have our PMI removed and we will be paying PMI until XX/XX/XXXX. This is wrong on multiple levels. 1 ) We are not requesting PMI be removed, we are questioning why it hasn't automatically been removed due to the fact that we are now below 78 % XXXX. 2 ) We didn't have a late payment, and even if we did, this is not a consideration when removing PMI due to reaching 78 % XXXX. 3 ) Contractually, even if we hadn't made extra payments on our loan and were following the original schedule, PMI would be done in XX/XX/XXXX. 

Each time we have reached out for assistance we are given the same two things in writing : PMI can not be removed because of a late payment. PMI will be charged through XX/XX/XXXX. 

Further, and I don't know if this matters, we have been working with the original loan officer we worked with at XXXX who helped us get multiple issues with Newrez resolved and when we last spoke to her she said that Newrez had agreed to drop PMI. 

Also, someone needs to audit this company. They are crooked as the day is long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter multiple letters XX/XX/2022 for XXXX to update my account with XXXX XXXX XXXX. XXXX is showing I have a delinquent payment with XXXX XXXX and I do not they are inaccurate credit reporting and I would like it updated I do not have a late payment. I have tried multiple times with no response.