23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I noticed unauthorized transactions on my card for the past few days between XX/XX/XXXX and XX/XX/XXXX for a total of {$2500.00}. I immediately sent a claim for all unauthorized purchases and it was denied within 24 hours. They have not given any reason as to why this was. They keep telling me to provide info that it wasn't me or the claim would be closed. I told them i was not even in the area where the card was used and there has been no response. I've emailed, called, and live chatted with representatives who give no answers. When they sent the link for the documentation that provided the reason of denial, it is not accessible. It won't let me log in to see the form. It says my password is wrong which is not true. It said I could verify through text but a text would not send. I tried to send a verification through email but it would not send an email. I even tried changing my password and it said that service is unavailable at the time.
Product: Debt collection

I reached out to the credit bureaus about this particular debt and its been over 30 days and they havent responded. They have yet to show me proof that I owe anything. They have 7-14 days to respond and show me proof. If they cant verify that the debt is in fact mines, it needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX  Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
Product: Student loan

In XX/XX/XXXX, I logged into Navient to pay my student loan bill the day that its due which is the XX/XX/XXXX of each month, but it stated that no payment was due. Checked again a day later and it still stated that no payment was due. Checked again a week later and still no payment was due. I logged in yesterday to make a payment for this month ( XX/XX/XXXX ) and I not only had XX/XX/XXXX payment to pay, but also now XX/XX/XXXX payment finally showed up as a late payment and now I have to pay for both months.
Product: Credit card or prepaid card

Hello, My complaint is against XXXX 's XXXX XXXX store which managed by Synchrony Bank. 
The address for their office is : XXXX/Synchrony Bank XXXX   XXXX XXXX , GA XXXX Their services are out dated, their customer service associates and supervisors do not know their job very well, and they ask the customer to be responsible for their mistakes. 

On XX/XX/XXXX I received an Email saying, that they tried to contact me throw my physical address ( by mail ) but they been informed that the information wasn't delivered. 
I called Their customer service, and told them about the letter I had received in my Email, ( That, they having problem to get in contact with me by Mail, but the customer service lady insisted that the problem is not with the physical Mail, and it is with the Electronic mail ( Email ). I told her " how come you saying the problem is with the email, and I received the letter by Email, and she couldn't answer. 

So I asked her to send me the statement by physical mail. This customer service lady never documented the issue, or our conversation in the computer, so other representative will read it. 

This Call was made to phone # XXXX XXXX XXXX and last 9 minutes. 

Passed a week and I didn't receive my statement to pay it, and the Due date is XX/XX/XXXX. So I called them on XX/XX/XXXX at XXXX XXXX   one more time on the same phone # and told them about the issue and the email I had received, and asked them to check if the lady that talked to me before had reported anything in the computer, and the answer was NO, so I asked to talk to supervisor, but the supervisor was more lazy than the associate. 

I asked her to listen to the conversation from XX/XX/XXXX, but she never did, so I asked her to send me the statement so I can pay it before the Due date but she never did. 

I made one more call to the same phone # on XX/XX/XXXX at XXXX XXXX for 15 minutes, and asked for the statement, because there was only 3 days left to the DUE DATE, they refused to deliver it over night, and they said the can't deliver it by email, and it takes them 7-14 Days to deliver the statement ( because the still delivering their mail using Donkeys and not the 2018 or 21st century mail service ) and they can't send it by email, only by Fax because their service is out dated and old fashion, and I need to be responsible for their mistakes. 

Last call was made one day before the DUE DATE, on XX/XX/XXXX on XXXX and I still didn't receive my statement. 

This isn't my first time issue with this card, few months ago on XX/XX/XXXX and XX/XX/XXXX I had made a payment toward the statement balance in the store, and the Cashier who processed the payment, she put it under purchase, it means that she charged me instead crediting me, so when I got my statement I noticed that, so I made a call to Synchrony Bank and XXXX 's XXXX XXXX to fix the problem, and they said they can't do anything, and that I need to go the physical store and loose time to fix their mistake, ( This is why I say that their service is out dated, and old fashion, that doesn't apply to the 2018 and 21 century ). 


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

I have not owned the property that this mortgage was attached to in XXXX of 2019. The property with the mortgage in question was sold at a judicial tax sale. The tax sale was held and administered by the XXXX XXXX XXXX XXXX XXXX. Once the property sold at the tax sale, the lienholder continued to pursue me for the debt. 

I have spoken with them countless times on this matter. I have made no progress. They have continued to report negatively to the major credit bureaus. I do not know what else to do. 

The Mortgage company is SPS Loan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT AND NEEDS TO BE READ!

Wednesday, XX/XX/XXXX

ALSO SENT VIA CERTIFIED U.S. MAIL
RETURN RECEIPT REQUESTED


LexisNexis
Consumer Service Center
XXXX XXXX XXXX
XXXX, GA. XXXX

Re: Acct # XXXX
      
REQUESTING IMMEDIATE REMOVAL OF BANKRUPTCY.


To whom it may concern,

I have recently made several requests via certified mail and online complaint’s to LexisNexis, XXXX  & the Consumer Protection Bureau to remove a bankruptcy from LexisNexis & XXXX. In my last complaint to the consumer protection bureau I stated the following:

“According to the Fair Credit Reporting Act (FCRA) a Chapter XXXX bankruptcy “CAN” remain on your credit history for “up to 10-years” from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some “KEY PHRASES” in that statement that need to be clarified:
1.	"Can" - The FCRA does not require that a bankruptcy remains on your credit report a full decade.
2.	"Up to" - Again, 10 years is “not a legal minimum, it is the maximum.” So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate.
3.	XXXX  and XXXX  have both removed this several months ago upon request.

Therefore, I am requesting that LexisNexis follow suit as XXXX  & XXXX  have done and removed this from my credit history.  This negative bankruptcy is due to be removed in XX/XX/XXXX just a couple of months away. I would like to close my home loan with an affordable interest rate before then.
I would, therefore, request that you please do not send me a template letter in response to this request and expect to receive a response within 10 days of receipt of this letter and expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully,


XXXX XXXX XXXX


CC: XXXX XXXX XXXX XXXX
      XXXX XXXX XXXX XXXX      XXXX, MI. XXXX
      XXXX
Product: Mortgage

On XXXX I called Bank of Oklahoma 's Loss Mitigation department requesting a document to be filled out. The document is necessary to obtain mortgage assistance from my tribe. I was told to fax the document in and it would take 24-48 hours to get it back to me. I waited until XXXX and still hadn't received the document so I called again to check on it. This time I am told that it can take up to 30 days to process, which would significantly hurt my chances of receiving the assistance at all since it's funded on a first come first serve basis. This time I understand I need to be a bit more patient and I wait another week to make a call again ( XXXX ), and I am told that the document needs to be requested from the organization that needs it. This wasn't told to me the 1st time or the 2nd time I called, it seems I get a different answer every time I call so I requested to speak to the supervisor. Bank of Oklahoma states they can't forward me to a supervisor and doesn't give me any chance to resolve this issue. I kindly state to them that they are in violation of Federal Law. Real Estate Settlement Procedures 12 CFR Part 1024 section 1024.36. This law states that mortgage servicers must provide correct info on loans and they need to be ready to respond " promptly '' with requests for information. In addition, written response acknowledgement of information request within 5 days. Bank of Oklahoma has done neither of what is required of them and it has resulted in undue harm to my wife and I. My theory is that this a scheme to foreclose on my wife and I to the benefit of the bank. If foreclosed on, the bank would recover the property ( which has risen in value ), foreclosure fees, and it would allow them to invest that money into a mortgage with a higher interest rate. My wife and I are locked in at 3.25 percent interest and the going rate for mortgages is over 5 percent as of now.
Product: Checking or savings account

XX/XX/XXXX someone opened a checking account in my name through BMO I was sent 5 letters in the mail from BMO telling me to call they're fraud department -when I called they shared with me someone open the checking account in my name XXXX XXXX XXXX identity theft
Product: Credit reporting or other personal consumer reports

After I called XXXX to have information updated on credit report they advised the new loan servicer, XXXX, is to provided that information. When you call XXXX and enter my social security number it indicates balances paid in full. When you call XXXX, it indicates balances paid in full. XXXX provided me with a letter, Balances paid in full. Ive have disputed with Experian at least XXXX times and they provide me with dispute completed and updated with a statement that servicer disagrees and I know that is not true because if you call XXXX XXXXXXXX XXXX it indicates balance paid in full. Experian is being lazy and I need the information on the report to read EXACTLY like the information XXXX has on my experian report.
Product: Debt collection

I ordered some things from XXXX previously. They had the option of getting {$50.00} off for opening a Chase Credit Card. I opened the Chase Credit card. Later I ordered some items and put it on my debit card. I never heard anything until about 6 mos later stating I owed an amount of {$220.00}. They could not tell me what items had been purchased. Chase said I would have to call XXXX and they could not tell me what the items were either. I knew I had not charged anything on the Chase card. So I asked them to report it as fraud. 

A few mos later I got another bill stating they associated it with my email. They named off items I had ordered but I never put anything on a chase card. I always ordered things with my debit checking account. 

Supposedly, according to them I put three amounts on the Chase card on XX/XX/XXXX. {$28.00}, {$82.00}, and {$110.00}. 

Now they are sending me to a collections agency. I am upset that they are being dishonest and trying to say that I put things on the Chase card when I never did. And why didn't they bill me immediately after the order. I feel they are being dishonest.
Product: Credit reporting or other personal consumer reports

By law If XXXX XXXXXXXX is going to report a delinquent charge off to my account They must properly verify the account with account with documentationThey say I owe a certain amount.Its incorrect its inaccurate.I requested from them the original credit card agreement with the terms and conditions.I want the history of the account the account.I want all the account statements .They sold the debt to a debt collection agency XXXX dont owe this amount that they are listing on my credit reportThey need to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$260000.00}
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, I'm reaching out to express my frustration regarding the lack of response after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. This situation makes me feel like my consumer rights are being ignored. As the victim, I'm unable to get the necessary help or response from the entities overseeing credit reporting. If prompt action isn't taken, I'll have no choice but to escalate this matter legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XX/XX/XXXXand XX/XX/XXXXneed to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.
Product: Payday loan

XXXX now called bigpicture. I applied for a loan. they toldme I could pay off early and pay balance an interest to that day. I borrowed XXXX already paid XXXX ask today XX/XX/2016 for pay off as of today and iwas told XXXX plus XXXX this is not what they said originally. that 's over XXXX they are not upfront and honest.
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 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 XX/XX/year> 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: Mortgage

Explanation of complaint : On XX/XX/XXXX, I applied to refinance my home for a lower interest rate with Keybank. The home refinance officer that assigned to me was XXXX XXXX XXXX, during our initial in person meeting, I was told or promised a number of fee waivers. I was told due to the length of time I spent in the house and the loan to value amount was so low, the appraisal fee would be waived. I was also told that the process would be quick and simple. Additionally, I was told that I had to pay a {$500.00} deposit and it would be applied towards closing. When the paperwork came through for my review on XX/XX/XXXX it revealed a higher estimate and contradictory information from what I was told initially. I called and emailed XXXX XXXX XXXX to get answers as to why I was seeing {$1000.00} appraisal fee and other fees. XXXX explained that she tried to get fees waived but I didn't qualify. The appraisal specialist called me to schedule the appraisal and payment. In my concern, I contacted XXXX supervisor XXXX XXXX, to express my dislike of being led on to believe one set of information. On XX/XX/XXXX XXXX offered me a Home Equity Loan that would closely match the numbers that XXXX quoted in the beginning of the refinance process. We then switched the loan application to a HLOC. The week of XX/XX/XXXX, I reached out the XXXX via phone and email requesting updates, because I had not heard anything. XXXX replied the decision was still pending. On XX/XX/XXXX, I received the initial approval paperwork and reached out again to XXXX to explain the numbers I was seeing. The next communication I received from Keybank was late XX/XX/XXXX from XXXX XXXX who called to schedule signing. XXXX mentioned that my spouse had to attend the signing per State Law. I was confused by this because, I knew that if a home was purchased outside of the marriage, that a quick claim deed had to be conducted. I wasn't sure of the terminology but explained to XXXX that I've refinanced before and the things I was being asked didn't occur when I refinanced with XXXX XXXX  in the past. XXXX was firm and said, " that is the law ''. This did not sit well with me, so the following day I went into the branch to speak with XXXX. I listed my concerns with XXXX, stating how uncomfortable I was with the length of time this process had taken ( 6 months ), the {$500.00} deposit for the refinance/HLOC was not reflected in closing or even listed in the documents and finally my concern that I wasn't getting the right information regarding the signature process. XXXX proceeded to tell me that the {$500.00} was non-refundable and the length of time was due to Covid. Unsatisfied with these excuses, I withdrew from the process and said to XXXX I would send a formal request for a refund. I emailed my refund request on XX/XX/XXXX, to XXXX XXXX who had an out of office reply and therefore I emailed XXXX XXXX the same request. I have had no reply from a Keybank representative. 

Business Name : KeyBank National Association XXXX XXXX XXXX XXXX, WA XXXX Bus Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You
Product: Money transfer, virtual currency, or money service

Formal Complaint Against Bank of America XXXX Unprofessional Conduct and Discrimination Dear CFPB I hope this letter finds you well. I am writing to file a formal complaint against Bank of America regarding a series of troubling incidents that occurred during my recent visit to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) on XX/XX/2023 and XX/XX/2023. 

During my visit onXXXX, I encountered difficulties completing a wire transfer despite providing proper identification and account information. The banker, who identified himself as the Assistant Vice President and Branch Manager, insisted on utilizing a smartphone to click on a texted link for verification. Unfortunately, the provided link was unresponsive, and despite my attempts within the allotted 10-minute timeframe, the banker refused second time try and further assistance. 

Subsequently, I scheduled an appointment for XXXX next day on XX/XX/2023 to resolve the matter. Upon arriving at the bank, I was asked to wait extensively and, upon inquiring about my appointment, was informed that the banker could not assist me and suggested I visit another Bank of America branch by the Assistant Vice President and Branch Manager. 

I believe this incident raises concerns not only about the unprofessional conduct of the bank staff but also potential discriminatory practices. I felt disregarded and disrespected, and I believe that no customer should be subjected to such treatment. 

I kindly request your offices to conduct a thorough investigation into these matters to ensure that appropriate actions are taken to address the unprofessional conduct and prevent any recurrence. Discrimination has no place in the financial sector, and it is crucial that institutions adhere to the highest standards of professionalism and fairness. 

I appreciate your attention to this matter and request that you keep me informed about the progress of your investigation. Please feel free to contact me if you require any additional information. 

Thank you for your time and consideration. 

Sincerely,