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

around XX/XX/XXXX I contact customer service to get my pay off amount for my credit card Account number ending in XXXX since i was enrolled on paperless statements and I was not able to log in online and I wanted to pay it in full before my international trip this way my balance was XXXX and there was no future payments. in that phone call i talk to a supervisor and order a new card and expedited to me so i could make an online payment before the due date, also gave me the amount due of {$9200.00} that was i little bit higher than my ending balance because it included the new interest accrue until the due date also he offer me to make a adjustment for the interest and dispute some charges i did not recognized he assured me after i pay that amount my card balance was going to be XXXX and will not have to make another payment until i use the card again. on XX/XX/XXXX when i received my new card i log in online and made the payment of {$9200.00} for the exact amount the customer supervisor told me to pay so my account could have a XXXX balance and i would not have to worry on any payments while I was out on my trip. I never received any phone calls or correspondence until XX/XX/XXXX regarding my past due account i contacted customer service regarding this error on their part and explain the situation they were very uncooperative and the only thing they told me that i had to pay the past due balance of 300 something dlls that was mostly late fees for the months of XXXX XXXX XXXX XXXX XXXX and XXXX and when i express my concern of my credit being affected they told me that is why i have to keep track of my balances. i try to explained them that the may reason i contacted customer service and make sure i ask for the exact amount i had to pay so i didn't have to worry about any future payments their response was that there was nothing to do that my credit was already affected by the late payments and that i need to make the payment as soon as possible which i believe that is very unfair the way they conduct business especially not caring at all or being a little considerate i really need help resolving this situation and i would like to remove all the late credit reporting that was done by their deceptive practices and that would considerably affect my credit score since this situation has already had consequences they close both of my credit cards i have with them and this action also lowered my credit score which i really matters to my life. thank you!
Product: Checking or savings account

I opened a high yield savings account with Capital One. After opening the account, the interest rate dropped to almost zero. When I inquired, I was told the rates are dictated by the Fed. For the next few years, my rate never increased. When I inquired again, I was told there is a new product that I would have to transfer my funds to for a higher interest rate. I had opened a 360 Savings account and was not aware of the new 360 Performance savings account which caused me to miss out on significant interest over the course of several months.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXXXXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, XXXX XXXX XXXX refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 
Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

I did not get these loans, or make these Purchases online. I do not have any knowledge of these accounts and they are fraudulent so they must be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I went to the u.s bank on XX/XX/2021 and deposited my check into the atm and it rejected my check and didnt give me my check back but gave me a receipt so I waited at the atm for awhile too see if my check would come out but it didnt! So I called the number on the receipt which was XXXX around XXXX. The guy I spoke with told me to go to my bank and they would be able to print my check but they told me the would not be able too and that they tried calling that number and nobody answered so I called that number as soon as we left and they picked up within a minute and told me that we could file a dispute but I did not want to do that because I needed the money rn and the guy I spoke to that night told me they would be able to print me a new one the next day and so far I havent gotten anything and I need my money back!
Product: Mortgage

LAKEVIEW Loan servicing by XXXX has not paid my insurance which is escrowed. I only found out because I got a notice from my homeowner 's insurance company that my policy has expired. I called XXXX and they told me it was my fault because I did not send them the bill. I have never sent the mortgage company a bill EVER in owning multiple properties until this horrible company bought my loan. I uploaded a copy of my insurance to XXXX but they still haven't paid it. I made a payment with my own separate money to my homeowner 's insurance to protect my own interests but I don't know when I will ever get that money back. This company if fraudulent at every chance they get to steal money from consumers.
Product: Credit card

I received an email that a Bancorp credit card through XXXX was opened in my name without me applying for it. My only resolve was to close a XXXX account I opened 25 years ago. This business XXXX credit card has XXXX credit limit. XXXX & Bancorp did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen
Product: Mortgage

My mortgage was transferred by PHH Mortgage to a third party mortgage service company without formal notice to me my PHH Mortgage. Complaints and questions were met with a telephone tree of customer service reps with no answers. Further escalations resulted in form letters and evasive conduct by PHH Mortgage.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, SELF / LEAD ) was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXX XXXX XXXX. 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 REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 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
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my credit report regarding a late payment that appears on file in my XXXXXXXX XXXX XXXX This late payment, which I believe is incorrect, does not reflect my payment history and commitment to my financial obligations.
Product: Credit reporting or other personal consumer reports

It should be known that due to a data breach from XXXX XXXX XXXXXXXX, my personal info. Was obtained and attempted to be used for fraudulent intentions. Due to data breach, I was subjected to identity theft where some unknown person tried to apply for credit in my name. As of now no accounts were opened and only hard inquiries are a result from data breach and identity theft. I have contacted most of the companies about the hard inquiries and was told to contact the credit bureaus. The credit bureaus assert to contact the companies. All are passing the buck. A letter from XXXX XXXX XXXX is incorporated as to the data breach. A copy of poli XXXX report is herein included for review. Finally, a identity theft report from the Federal Trade Commission is also included for review. All procedures have been properly followed and the consumer request that all bureaus remove said inquiries due to data breach and identity theft because he did not authorize them and is suffering adverse affects from them. Under federal law, the bureaus are required to remove or block them within 4 days. There are 3 hard inquiries at transunion. There are 6 hard inquiries at Equifax. Finally, there are 6 hard inquiries at XXXX. Only XXXX is to remain with XXXX. The consumers full name is XXXX XXXX and his d.o.b. is XX/XX/1973. The last 4 of his social security number is XXXX.
Product: Student loan

I spoke with Navient to update my rate reduction program, it expires every 6 months. I spoke with a manager named XXXX, who was very rude, and a customer service representative. My current payment is XXXX and they wanted to raise my payment to XXXX. I do understand that this is a stair stepper program where they increase your payments but they have never increased it by that much. I gave them all my financial information to let them know how much I had left over and they still refused to lower my payment. I am very loyal in paying my payments on time. Financially I can not make that payment. They said they were still giving me a break because I would not have to pay the full amount {$900.00}. That is why I am on a rate reduction program to make lower payments. I know Navient has tried to make clients pay more than can. I am not trying to out run my payments I am trying to pay.
Product: Checking or savings account

SoFi canceled my dispute without investigation of ongoing charges that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given Equifax my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiry from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Product: Credit card or prepaid card

On XX/XX/2020, days after my XXXX birthday, BBVA-USA abruptly and without legitimate reason cancelled my VISA credit card -- a card which I had subscribed to for 17 years. In this time period, I have never once tendered a late payment, the minimum amount required to pay, nor excised the card 's credit limits. On two occasions, BBVA, without my request or agreement, raised the card 's limits to {$8500.00} and subsequently to {$11000.00}. Late last year, BBVA reduced the limits back to {$8500.00} and shortly thereafter, a cancellation of my credit card. I am submitting this complaint to CFBP requesting an investigation into BBVA 's violation of my rights as a consumer alleging that they have determined that I am a credit risk, and a pandemic risk, all as a result of my age. I am attaching hereto my demand letter for the the production of information, documents or any other methods used to make the determination that after 17 years with an impeccable payment history, they chose to remove me from their business. BBVA,  illegally and without my consent, converted my balance into a " loan payable '' at 10 % interest upon the closure of my credit card. I'm also submitting the form letter sent to me identifying their reasons for the cancellation. BBVA, unequivocally, has violated my rights under the Federal Equal Credit Opportunity Act ( FECOA ) that, inter alia, prohibits discrimination based on age.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, a similar credit reporting institution, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, acceping unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has listed on my credit a negative report of the sum of {$410.00} being owed. When I first got into a subsidized apartment I got copies of my credit reports from Equifax and XXXX. This amount was listed as being owed to XXXX XXXX XXXX. This bill was paid to them by personal check # XXXX, written XX/XX/2016 to XXXX XXXX XXXX. This amount has since shown up on my Equifax credit report as being owed to a different collection company and they have not checked and removed this negative, false report.
Product: Debt collection

XXXX XXXX CALLED ALL THROUGH THE DAY ( ROBO CALL ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX THERE IS A LOT MORE ..

DO NOT HAVE SPACE TO LIST THEM.
Product: Mortgage

Hi, My name is XXXX XXXX I have been trying to reach out to US BANK HOME MTG concerning my account I had refinanced a while back. In which they have added a late payment to my mortgage in which was never late there was refinance, payment issue going on in which they marked late payments on my credit report in which ultimately is severely hurting my credit. I have reached out to this company in which for a few months to no avail in which they haven't reached back out. I am asking the CFPB help with this issue to get this fixed, please see the attached documentation down below.
Product: Credit card or prepaid card

Given that Synchrony Bank is a major issuer of store cards and connected to various major shopping outlets like PayPal and Amazon, I found myself with approximatley 12 accounts with Synchrony Bank, which have all been open for as long as six years. 
All of the accounts have been handled exceptionally well and have been on auto payment with very low balances as compared to the established credit guidelines, which are in excess of {$14000.00} on most accounts. To ensure timely payment on the account, all have been set up on auto payment deduction for quite some time. Synchrony Bank makes it easy to request a credit guideline increase, which was done on a regular basis and they've accomodated extremely high increases on my credit accounts on a frequesnt basis. 
My problems started with Syncrhony Bank a few months ago when there was a bank error and the automatic payment processed on my Chevron Card, which caused the payment to be late. It was explained to me that this was a system glitch within Synchrony Banks system and was immediatley recified. The fee was waived, payment was defered and my auto payment began to be processed without fail for the following month or two. 

On XX/XX/2020 I learned that Synchonry Bank decided to close all of my accounts with their organization with an extremly vague response that my accounts had a high risk of non-payment and in this letter there was no reference to my credit file or the the exceptional handing of my other accounts or those with Synchrony Bank. I asked for a more detailed response with their customer service department and wasn't offered any further of a response. I believe that this is related to the most recent bank error on my Chevron account, that was supposedly fixed. 

To make matters worse, I've also recently learned that my Lowes Account, which has been on auto payment for many years was taken off for an unknown reason, which caused the account to fall past due and a late fee was assessed. Because the account is closed, it is difficult to chat with customer service online to get this situation resolved.
Product: Credit reporting or other personal consumer reports

My account with GLBLNDSVCS 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 those account 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. 


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


I have requested proof that this information was mailed or delivered XXXX  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, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the three Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate 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 Report : XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : $ XXXX LEASE RENTAL XXXX Balance : {$0.00}
Product: Checking or savings account

i didnt know that this account existed. I did not open it. i Call the company FLAREACCOUNT  BY XXXX XXXX  and they closed it today i found it in my email today. XX/XX/21
Product: Credit card or prepaid card

Synchrony # XXXX XXXX XXXX XXXX Contacted Synchrony on why charged late {$40.00} late fee each month when bill is paid by due date? REP reported correction on next bill. NOT CORRECTED ON NEW BILL. CHARGED ADDITIONAL {$40.00}. HELP!! 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX