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

Capital One has twice in the last few months denied me credit without sending me the required denial of credit letter/explanation. 

In the first instance, I applied for a card, and they wouldn't approve it because I had a prepaid phone instead of a contract phone ( even though they texted me to confirm the number ). So they said I needed to send them proof of identity, SSN, and current address. I sent them a copy of my passport, social security card, and a then current bill with my address. They ignored me. So I sent that all again after a few weeks. Again, total silence on their part. 

In the second instance, I applied for a card. Once again I verified my phone via text. This time they required proof of identity that had a barcode on it. I only have a passport, which does not have a barcode on it. So I took a picture of a barcode for them. A few days later, I received a letter stating that they once again needed proof of identity, SSN, and current address. So this time I sent them a copy of my passport, tax returns to verify SSN, and a mortgage statement to verify the address. Once again, they have ignored me. 

They've made me waste a lot of time with their excessive requirements. The least they could do would be to tell me why they're still denying me credit after I did everything they asked - twice!
Product: Credit card

I charged a purchase in the amount of {$750.00} to PayPal Credit ( Synchrony Bank ) card on XX/XX/XXXX. ( Statement attached. ) In XXXX, I erroneously filed a fraud complaint with Synchrony Bank, having forgotten that I made the purchase the previous month. ( Statement attached, but dispute is not documented on it. ) On XX/XX/XXXX, I realized my mistake and contacted Synchrony Bank to reverse the fraud charge. They told me that the dispute would be resolved and payment would be submitted to the vendor within 2 billing cycles. 

On XX/XX/XXXX, the vendor inquired with PayPal about the charge and received a letter in response indicating that there had been a dispute on the original charge. No new payment had been received by the vendor. 

I contacted Synchrony Bank and was told that the charge had been returned to the vendor on XX/XX/XXXX ( statement attached ) and that if there was still a dispute, I should show the vendor my statement as proof. My PayPal account still showed a pending dispute, so I called PayPal to verify. PayPal told me that only Synchrony could close the pending dispute.

Over the next few weeks, I made many calls to PayPal and Synchrony Bank about the payment not being received by the vendor. PayPal agreed that the charge was pending release of the payment from Synchrony and Synchrony Bank told me that th
e issue was resolved on their end and that only PayPal could release the payment to the vendor.

No matter how many times I called or who I spoke to, I was unable to have the issue resolved. 

The XXXX statement from Synchrony Bank ( PayPal Credit- attached ) shows and adjustment and balance transfer but doesn't indicate to whom the balance was transferred. This is insufficient proof that payment to the vendor was made.

As of today, the vendor has still not been paid. My PayPal account indicates that the dispute is still under review. Several weeks ago, by phone, I requested from a manager at Synchrony ( PayPal Credit ) that the transaction amount of {$750.00} be returned to me. He refused to credit me for the purchase, even though the transaction was not successfully completed. I requested information about filing a formal written request for a refund and he said that I could send a letter to Synchrony Bank 's general delivery address but that there is no formal mechanism for such a request.

Please see the attached screenshot and letter from PayPal indicating that the dispute is still under review even though more than two billing cycles ( the maximum time PayPal claims it may take to resolve a dispute ) has passed.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated them and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} ; 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 XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I got a debt collection notice claiming it is in regards to an account with XXXX. I've never had a credit account with XXXX. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from XXXX and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another XXXX scam. XXXX has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.
Product: Money transfer, virtual currency, or money service

That was never anyone to talk to anytime. I did the chat box. It was always told to me to contact the consumer when I contacted the consumers they could pretty much tell me anything refusal to pay saying that promised to pay and never received cash app never did anything on their part to help me and even recently XXXX  I had an issue with XXXX XXXX  taking money after the order was canceled and Cash app never got to the bottom of it never answered me back other than contact consumer theyve done countless of times in the past Ive noticed money didnt make sense that it was missing and not adding up And I never got an answer
Product: Debt collection

I received a letter from NCB Management Services Inc. I do not owe this company any money and I have told them several times not to contact me any more. However, every so often they send collection letters to my house. 
They are not legally allowed to do business in my state. 
XXXX XXXX XXXX
Product: Debt or credit management

Since XXXX to presently, I have had accounts with Navy Federal Credit Union, several of which were closed due to overdraft fees. During this time, I was charged multiple overdraft fees, which I believe were improperly assessed. These fees placed a financial burden on me and impacted my ability to maintain active accounts. 

Unfortunately, I am unable to provide documentation for my previous accounts because Navy Federal does not allow access to closed accounts or their associated records through their online system. 

What I am requesting : I respectfully request that Navy Federal review their records for all accounts I have held with them since XXXX. Specifically, I ask that they identify any overdraft fees that were improperly assessed and provide me with a full refund for those charges. If necessary, I am willing to verify my identity and provide any account details I still have to assist in their review. 

On multiple occasions, I contacted Navy Federal to discuss the overdraft fees and the status of my accounts. 
I was informed by Navy Federal representatives that I needed to pay the fees in order to keep my accounts active. 
I complied by paying the overdraft fees to avoid further issues and to retain access to my accounts. 

Despite paying the fees as instructed, my accounts were eventually closed, leaving me without access to banking services. I believe some of these fees were improperly charged, as highlighted in the CFPBs recent order, and I am requesting a review of my accounts and a refund of any applicable fees.
Product: Credit reporting or other personal consumer reports

Heres a dispute letter tailored to this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains multiple errors and inconsistencies, which violate several sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : Music and Arts ) Account Type : Collection Account Number : XXXX Balance Reported : {$1200.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No proper verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, i
ts derogatory status remains on my credit report. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The account is reported as a Collection/Charge-Off with no evidence of the collection process or a payment history.

The balance and status remain unverified, and no supporting documentation has been provided to justify the reporting.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, indicating non-compliance with IRS reporting requirements.

5. Recent CFPB Lawsuit Against Experian : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting its failure to properly investigate disputes and validate debts. 
This raises significant concerns regarding the accuracy and validity of Experians reporting in this case. 


I expect a response to this dispute within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX
Product: Debt collection

A XXXX XXXX account has went into collection in XXXX of 2022. Stating I owed {$120.00} and was past due. I have contacted and went into the stores to sort this out and all times I have contacted them they confirmed that this account was suppose to be closed off. From then, I disputed and the account still shows as collection on my credit report. I was told that it was going to be settled and taken care of but never happened. Its been 9 months now that it still shows as a collection is a negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) into test drive a XXXX XXXX. I already had XXXX XXXX XXXX XXXX approval. However the sales person specifically stated they can pull my XXXX application & have the funds sent directly over so I don't have to go to the branch to sign or pick up documents and the check. He asked for my information for the buyers order. However I get 6 credit alerts and a manager coming out to tell me it was a mistake and oh well nothing they're doing about it. Called back after no one contacted me after I requested it on XX/XX/2022, spoke to the person below the XXXX, however he said OH WELL, deal with it. I want the inquiries from XX/XX/2022 removed. I received the following XXXXXXXX XXXX XXXX, Capital One, & XXXX XXXX XXXX XXXX
Product: Mortgage

Nationwide Biweekly Administration failed to make my XXXX mortgage payment without notifying me that they would not be making this payment.
Product: Mortgage

On XXXX I sent a principal payment only of {$13000.00} to loan care, lakeview loan servicing is the mortgage company. I have this problem every time i send in a principal payment, this is my second complaint to CFPB. The first resolve was to send the payment to a different address and that was to solve the problem, this did not solve the problem as the very next principal payment was split into 2 again {$11000.00} to principal and {$1500.00} for an additional payment although my normal payment was already made.I 've tried to reach out to the mortgage company and they never answer the phone as the recording states they are too busy, this has been going on for over 3 weeks.
Product: Mortgage

Payment for XX/XX/XXXX was taken out of my account on XX/XX/XXXX making my payment 30 days late, contacted the mortgage company and they stated that I needed to write a letter to explain the situation. I then asked for an e-mail address to where to send the letter and was told that they did not have an e-mail address and documents had to be faxed, I received the fax number and submitted a letter explaining that they had removed the payment for XX/XX/XXXX on XX/XX/XXXX. My credit report still has a 30 day late showing.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX, XXXX XXXX XXXX on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that are reported late 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: Credit reporting or other personal consumer reports

I recently reviewed my consumer report from XXXX and XXXX, and I noticed your company OneMain Financial has furnished some transactions as late on my consumer report. After carefully reading my consumer laws 15 USC 1681a ( 2 ) A ( i ), it speaks about the exclusion of a consumer ( which is me ), experiences and transaction with the creditor, ( which OneMain Financial ). I am very curious to know how you were able to furnish a transaction or experience as late when clearly 15 USC 1681a ( 2 ) A ( i ) says this is excluded from a consumer report. This means my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. 


When your company reports a late payment you are reporting the experience between the consumer and the creditor the person making the report. The payment history comes from the transaction history, and there can't be a payment history without transactions. So if transactions and experiences are excluded from a consumer report, how can you report a payment as late if there is no transaction history? 

Furthermore, the only way a payment can be reported late is if you follow 15 USC 1666 ( b ). Therefore, I am requesting that you provide me with, in writing, the reasonable procedures according to 15 USC 1666 ( b ). Provide proof that you have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me 21 days prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX ACCT NUMBER XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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
Product: Credit reporting

There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.
Product: Credit card or prepaid card

I filed a previous complaint ( # XXXX ) still no change. The credit card have not been mailed at the moment. I don't understand the difficulty of mailing the credit card. Now I am going into the three month of not receiving the credit card and the complaint I made through your agency haven't made a difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account on my credit profile that I did not give written consent. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX  ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian opened my dispute on XXXX XXXX, 2022 and completed the dispute on XXXX XXXX, 2022. This seems impossible to believe they did a proper investigation. I still have not received any documents authorizing my consent to have this reporting on my credit profile. 

In addition, XXXX XXXX  has not provided any documents with my signature. This is a violations of my federal rights!
Product: Mortgage

On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. 

This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report in XXXX XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Experian and XXXX  on XXXX XXXX of XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XXXX XXXX XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XXXX XXXX of XXXX certified mail so I have proof that they signed for my letter.