23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my debt
Product: Credit card

I have a capital one Venture X card. I rarely used it, and have never used the travel points. Two days ago I was charged a {$390.00} membership fee. My husband is XXXX and has had XXXX XXXX XXXX. I am XXXX and a full time XXXX. There is no way these travel points have any value to us, we only go to the drugstore and back. I called Capital One this morning and asked when I was notified of this membership fee and that they remove it due to the hardship it placed on me. They told me they would get back to me in 7-10 business days. 

I can not pay this outlandish membership fee, I am struggling to buy food for myself and my husband these days.
Product: Credit reporting or other personal consumer reports

I tried to file a dispute over the phone an the representative gave me a really hard time he talked down on me the entire time while also calling me names he also stated that he could tell I was XXXX by my tone of voice an suggested XXXX people only file disputes because were poor. This all took place on XX/XX/24 around XXXX I called back trying to get information on the representative however the new agent said she couldnt give me any information an that I needed to report the entire company.
Product: Mortgage

I have patiently have waited for an approval on my loan modification. This is very frustrating. I have requested Wells Fargo a work out plan and until today I have received absolutely nothing. I have been dealing with this since XX/XX/XXXX when my property taxes had an absorbing increase. It was then that I began to struggle to make my mortgage payments. I then had a reduction on wages. I also confronted unanticipated urgent property repairs. These were circumstances beyond my control. 
I immediately reached out to Well s Fargo. 
However, do to miss communication with Wells Fargo I defaulted on a trial period in XX/XX/XXXX. I immediately retained my present attorney for I want to keep my home. I provided another financial package to no success. 
On XX/XX/XXXX My attorneys receives call that my home has a sale day of XX/XX/XXXX. Wells Fargo has not inform me anything or my attorney of such before XX/XX/XXXX. 
They did not provided any correspondence regarding receipt of any packages. 
Our Current situation is stabilized now I have minimized all expenses for it is important to keep my home. 
I feel that we have been financially injured as a result of the miss communication with Wells Fargo. I please ask that wells Fargo consider my request. I will provide up dated documents for the file.. I request that the Wells Fargo allow me to provide such and cancel the sale. My income now is substantial for my wife and I both had quite an increase in pay this past year.
Product: Credit card or prepaid card

I called synchrony bank 3 times to have my late fee removed since I did not receive my statement. They kept saying they would remove the fee and did not. This is the amazon store card. They also called 5 times saying my statement was past due harassing me.
Product: Credit reporting or other personal consumer reports

XXXX reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Name : XXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. XXXX requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In approximately XXXX of XXXX I was contacted by BofA and offered a forbearance on my existing HELOC loan. I was informed that I could postpone my payments and at the end of the forbearance period I would be able to defer those payments. I asked them to explain. The representative told me I could move the amount that was deferred to the end of the loan and then continue to make my regular monthly payments. Which means it would extend the months in which my loan would be paid off. This sounded like a good option at the time so I moved forward and had agreed to the forbearance. Unfortunately now I come to find out I was mislead by the BofA representative. At the time I dont think the representatives were very knowledgeable about the process of forbearance which lead them to giving thousands of people like myself incorrect information. Now my forbearance period has been exhausted so I contacted BofA on XX/XX/XXXX and was told specifically, if I can start making my payments again they would give me a deferral on the postponement amount and my regular monthly payments would now continue. I agreed and was told the deferral package was in the mail for me to sign and send back and I could now resume payments. I made my payment for the month and waited for the deferral package in the mail but it never arrived. So after 6 days I called back and was told, sorry, you dont qualify for a deferral and the representative was wrong and misinformed you. Your only option is loan modification or sell. I was shocked. I have been in my house for 22 years and prior to COVID had been paying regularly. I was mislead in the beginning of this forbearance program and would have tried to come up with another solution if I had been properly informed by the BofA representative. I also was mislead on XX/XX/XXXX when I was told by the BofA representative I was getting a deferral only for it to be untrue after we agreed. If I had not called back after 6 days I also would have never known that no one was going to call me, email me or sent me a letter to let me know what I was told was not going to happen.
Product: Credit card or prepaid card

On XX/XX/23 I tried to use my card for 4 purchases. All 4 were declined. I contacted the company several times throughout the day regarding these purchases. Now 2 of the charges are showing as posted on XX/XX/23. I spoke with 2 representatives who both admitted the charges were changed from declined to pending, then resulted in charges on my account. One is for XXXX and the other for XXXX. 

I ended up having to pay cash for 3 of 4 transactions on this day. My neighbor, sons, and husband were witnesses to these charges and declinations by Capital One. 

I attempted to contact them and was told that since I paid cash for both of the ones posted on my account that they would not refund these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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 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
Product: Mortgage

XXXX XXXX XXXX SPS Loan number Property Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Dear sir : I have had an economic hardship due to XXXX, have been sick and I am a XXXXXXXX XXXX veteran. They told me to make monthly payments a I could. I tried to make payments directly in their website but was blocked. I also sent in a payment via bill pay and they returned it. I have requested assistance from SPS and sent the the required documents numerous times. They constantly call and ask for the same or different document each time. I have sent them the documents at least 7 or 8 times but they keep asking for the same thing. 
I've called numerous times to check on the assistance they were supposed to offer to no avail. We had talked about putting the delinquent payments at the end. What Happened? Lastly they said they were going to or had sent my account to a lawyer for foreclosure. My house is almost paid off, owing about {$70000.00} but it appraises at about {$300000.00}. They are trying to take my house because I have so much equity in it. Please help. 

I am in urgent need of help. Thank you.
Product: Credit card or prepaid card

This company was been paid in full in 2022 but still has the payment status listed as collection/charged off and the remarks also payment after charge off/collection Paid profit and loss and does not match across all the credit bureaus either.
Product: Credit card or prepaid card

I received a gift card from my employer and registered the card. The card was used by someone and attempted to dispute the transactions. No action was taken by the card issuer and was told they will send me a form which I never received when I reported the issue 4 weeks ago
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.
Product: Debt collection

I have received several phone calls and text messages about late payments, several times a day
Product: Mortgage

My wife and I have an issue with Citizens Bank Mortgage. Our total payment went up by over {$100.00} due to increased escrow requirements. We have automatic payments set up from our bank. We did not update the automatic payment settings in time and a bill payment check was sent to Citizens Bank. We realized the shortage and called their service center to make a phone payment so we would not be short on the payment or delinquent due to a short payment. They refused to take a partial payment over the phone. They told us we needed to wait for the bank check to post as a short payment. Then we can call them to make another payment. But if it is short we get a fee.

It may be late as well if we don't get the timing right. I worked as a loan officer and for a financial institution processing company for years. I know that a partial payment can be taken and should be posted as directed by the payor if it is in excess of a payment. If less, then it can be posted as defined in the disclosure. I am fine with that process. However, to not even allow the partial payment so that the consumer risks late or insufficient payment fees is not a consumer friendly policy. This is the type of activity that caused the whole CARD act in the first place. 

All we wanted was to make a simple payment to avoid fees. Citizens evidently wants us to get every fee possible and confuse consumers. I just feel fortunate that I understand what really should occur and how to address the issue with the appropriate authorities. BTW the managing service rep agreed that the process was an issue and had other customers complain about Citizens not taking partial payments and applying them to the amount due. 

I asked what would happen if I sent 3 checks on different days. She said they would hold them in suspense until there was enough to make the full payment due. Or sometimes they return the checks. I find that last one completely unlikely but then again it would add fees and interest for the bank. 

Just need to know that consumers have some right to do the right thing without having to jump through hoops and then hope they might get it right.
Product: Checking or savings account

Bank of America ( BOA ) recently rolled out an update in their online bill pay server. This update removed the option to pay a set monthly amount to BOA XXXX XXXX using the bill pay service. Now, only available options are to pay the minimum amount or pay the whole balance at once. I was not able to get help from customer service. I was told that the change was intentional. I believe, it is illegal to force customers to pay the minimum monthly payment instead of any amount over the minimum set by customer. I think this issue needs to be investigated and resolved. Thanks.
Product: Credit card

I hope this letter reaches you in good health and spirit. My balance is not reflecting correctly I have a credit on my account of {$65.00} my balance is incorrect. I pay my balance off every month. My statement in XXXX states the balance was {$120.00} I paid that in full and then I received a credit of {$65.00} from XXXX XXXX and I made my USAA car insurance payment with my credit card of {$120.00} so if you subtract the credit of {$65.00} my balance should be {$63.00} but my balance states incorrectly its {$190.00}. Please fix my balance. Thank you very much for your time. Have a wonderful day!!
Product: Credit card or prepaid card

American Express is running a promotion wherein spending {$50.00} with the card at XXXX XXXX XXXX gets you a {$50.00} rebate. This promotion runs twice a year, XXXX and XXXX. I participated in the promotion in XXXX, however American Express is claiming they did not receive notice of my claiming the promotion until XXXX. Because of this, they are counting last year 's credit for this semester 's promotion and are refusing to honor my current rebate of {$50.00} which I actually incurred later in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting a CFPB Complaint to inform the Credit Bureaus about the fraudulent accounts and incorrect information they have been reporting on my Credit File. After conducting research, I have learned that to remove these fraudulent accounts, I need to file a report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove and block any accounts listed on an ID THEFT REPORT. I have attached the necessary documents to aid in blocking the erroneous information that is appearing on my report. Here is a list of the accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX  Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$600.00}. I assure you that I did not open these accounts or authorize anyone else to do so on my behalf. FCRA Section 605B ( a ) states that the Credit Reporting Agencies must block any information in the consumer 's file that is identified as resulting from fraud within four business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made the attempt to removed a fraudulent student loan account on my credit profile with Experian multiple times but it seems as though they are the only bureau that's not following the guidelines under the FCRA. I asked that this consumer be blocked and not have access to my credit profile as well as removing this account from my credit report indefinitely. I've requested investigation results regarding this matter as well as the means in which they conducted the investigation and who they were in contact with because its been past 90 days and still no clue as to what went on or a proper answer to my disputes about the fraudulent account. They have not by any means follow the guidelines under the FCRA not one single time. They have been abusing their power and haven't made contact with this fraudulent consumer on my behalf and they have no proof to show that they actually investigated because if so I would have received documentation. So, I would just appreciate if this matter can get resolved and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond
Product: Checking or savings account

On XX/XX/XXXX, I received an email from American Express ( XXXX ) stating that my Bluebird acct privileges had been suspended because of an unspecified violation. I called Acct Protection Services at XXXX on XX/XX/XXXX and after several tries and a very long wait I was informed by a rep that the account was closed and a check for the balance of {$100.00} would be forthcoming in 10 business days. I have heard nothing since then, phone calls are not answered and I am unable to log in to my account online to request a withdrawal or pay a bill.
Product: Credit card or prepaid card

My USBank Reliacard account has been locked since XX/XX/XXXX. It appears to have been locked as a security measure and I was asked to submit proof of ID via fax. I have done so several times and customer service over the phone is no help whatsoever. All of my money is stuck in the account and I have no access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern : West lake financial services has done unfair debt collection practices with my information. I have tried to settle issues directly with them, and we have never got ten anywhere. Please help me. 


XXXX XXXX Account numbers XXXX My address XXXX XXXX XXXX XXXX, ca
Product: Debt collection

I didn't sign-up for their extra feature service and later when I contacted them they are not responding, I sent emails as well but no help or contact from their end so I want to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency XXXX  XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.
Product: Mortgage

My mortgage company will not take PMI ( private mortgage insurance ) off of my loan after I have met all the requirements.
Product: Credit reporting or other personal consumer reports

Vystar is reporting they had to charge off my balance of {$2400.00} but I paid the balance in full as agreed.