23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Expressing my deep concern and frustration regarding the unresolved dispute concerning my account with Sam 's Club XXXX XXXX, managed by Synchrony Bank. On XX/XX/2024, I sent a dispute letter requesting that my account be zeroed out due to the receipt of documents supporting my claim. This dispute letter was sent via certified mail with tracking number XXXX. However, to my dismay, I have not received any response from Synchrony Bank regarding this matter. 

Despite my efforts to resolve the dispute in good faith, it appears that Synchrony Bank has chosen to ignore my request and continue to pursue monthly payments and add fees to my account. This disregard for my dispute and insistence on collecting payments without addressing the underlying issue is both disappointing and unacceptable. 

I expect Synchrony Bank to fulfill its obligations under the Fair Credit Billing Act and promptly investigate and resolve the dispute in accordance with the law. Ignoring my dispute and continuing to impose fees and collect payments while the matter remains unresolved is a violation of my rights as a consumer. 

I urge Synchrony Bank to take immediate action to rectify this situation, including but not limited to : Zeroing out my account balance in accordance with the documentation provided in my dispute letter. 
Ceasing all attempts to collect payments and add fees to my account until the dispute is resolved satisfactorily. 
Providing me with a timely and transparent update on the status of my dispute and the steps being taken to address it. 
Failure to address this matter promptly and appropriately will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. 

I trust that Synchrony Bank will take this matter seriously and work swiftly to resolve the dispute to my satisfaction. I look forward to receiving a prompt response and a resolution to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Background : We have been a loyal US Bank " Platinum '' customer for more than 15 years with credit scores in the mid XXXX 's. We have not missed any payments or ever been late on any payments on our existing loan, which US Bank originated approximately 5 years ago. Our current LTV and debt-to-income ratios are under 50 %. 
Details : In XXXX, we received a marketing piece from US Bank advertising a fixed rate of 3.5 % for a 20 year refi loan. At the time of application, the rate was 3.625 % with zero points for a 20yr refi loan. We submitted our loan application at the local US Bank branch on XXXX with XXXX XXXX. XXXX said we could start the process and if the rate dropped to 3.5 % we would get it. The first Good Faith Estimate ( GFE ) he provided on XXXX was at 3.625 % with {$1300.00} in buydown points and the loan amount was {$65000.00} higher than our current loan balance. We informed XXXX that the numbers on the GFE were wrong. He said he would issue a new GFE. In XXXX, the rates dropped to 3.5 % ( per the US Bank website ). On XXXX we emailed XXXX and told him we were still waiting for a corrected GFE and mentioned that we noticed the rates had dropped. XXXX issued a new GFE on XXXX with a correct loan amount but with the rate at 3.625 % and {$750.00} in points. He said " sign and return we can try to get lower rate once loan is approved. I need everything today please. '' We signed and sent everything back the same day. On XXXX we emailed XXXX telling him we still had not received a correct GFE. He requested more documentation from us and sent a new GFE on XXXX at 3.625 % with {$740.00} in points. Several months went by. On XXXX XXXX forwarded an email to us from XXXX XXXX of US Bank requesting even more documentation. We sent him the requested docs on XXXX. XXXX kept requesting " just one more thing '' several times, including copies of documents that were already of record in the County courthouse. Although we kept requesting a corrected GFE with the correct numbers, XXXX would send a new GFE at random intervals, always with incorrect numbers and usually including buydown points, which we said repeatedly we did not want. On XXXX, he finally sent a " final '' XXXX closing statement for review with a rate of 3.75 % and zero points. We spoke with his supervisor, XXXX XXXX, who said he could n't do anything except refund our application fee. We feel we were the victims of " bait and switch '' marketing, predatory lending, and possibly discrimination. Also, the lender did not process our loan application in a timely manner ( almost 7 months ).
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation.
Product: Mortgage

My loan got transferred to Fay Servicing in XX/XX/2022 for XXXX properties. They have not paid taxes for my properties which are being collected from my monthly payments into the escrow. I reached out to them in XXXX, XXXX and again in XXXX. 

They keep telling me they are investigation meanwhile the city keeps sending me notices with interest and penalties for not paying taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card opened XX/XX/2020 is NOT mine. 

Wrong date of birth showing Wrong name Experian has closed a dispute and done nothing
Product: Checking or savings account

Bank of America allowed a XXXX yr old minor cash roughly {$4000.00} worth of savings bonds without parental permission or presence. When I went to the bank I was told this should not have happened and a manager, who was n vacation, would contact me the following week. They didn't contact me so I went back to the bank. The manager would not come out of the office. She sent a message back saying that would only apply if the child wasn't old enough to sign their name. She further stated that since my son had an account and an ID they were allowed to cash the bonds without a parent. I've visited other banks and financial institutions who state they should not have cashed these bonds.
Product: Credit reporting or other personal consumer reports

I was checking my credit report the other day I've noticed I got XXXX fraudulent inquires on my credit report I contacted Equifax they told me to get in touch with the creditors I've contacted them they said they don't have any of my information on file I called and made disputes to their web site they still haven't removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an initial letter to Experian asking them to verify the reporting of my credit report for XXXX XXXX on my credit report. This is an auto loan and is not reporting correctly. The account is reporting as being an installment loan which is factual incorrect. The account type is a credit sell agreement. I have the right to an accurate credit file and discrepancies as this is unacceptable. They responded back and stated that they verified with XXXX that it was reporting correctly. I than sent a method of verification letter back to Experian and also a letter to XXXX asking how they verified with Experian on XX/XX/2022. Experian updated my credit profile with the XXXX payment history but no method of verification was submitted. XXXX advised they did not verify anything with ANY bureaus. I sent a follow up letter back to Experian on XX/XX/2022 advising that XXXX stated they did not verify anything and again asking for their method of verification. Again they updated my charge off status and did not provide any information.
Product: Credit reporting or other personal consumer reports

This is regarding a Barclays Bank credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. 

My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from XXXX. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for Barclay Barclays and Barclaycard and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. 

As a result of Barclays late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from Barclays that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. 

There was a failure in Barclays system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages.

I wrote two letters to Barclays about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION stated that " XXXX XXXX XXXX XXXX verified the account as reported. '' This let 's me know that TRANSUNION did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided TRANSUNION proof of my inaccurate credit report and a letter from XXXX XXXX XXXX XXXX to delete the late payments and TRANSUNION still chose to ignore this evidence. It is my belief that TRANSUNION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. Transunion went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.
Product: Debt collection

Dear : Consumer Financial Protection Bureau I am writing this complaint because this number has been constantly calling my home number and I have told these people they have the wrong number for the person they are calling about. Sometimes, they use a private number and when I try to call them with the number shown on my caller ID there is no answer. Please, contact these people about calling me for a matter that does n't concern me. This is a form of harassment and an invasion of my privacy rights. I have told this company that I am on t he Do Not Call Registry. Some one, said they are sending documents to my address and I do n't have a clue what they are talking about. I think this is a Scam!!!   THIS IS THE NUMBER THAT HAS BEEN CALLING MY HOME NUMBER :  XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX  Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Incorrect Employer : Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.


Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and my consistent requests for a thorough investigation, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardship, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit card or prepaid card

Prepaid card never receive and My unemployment benefits was stolen on my us bank relia card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

1.Even though I have requested several times, Wells Fargo ( XXXX XXXX XXXX XXXX ) refused to advise me IP address, device name, location and time/date of 2 unauthorized bill pays due to their policy.

It is against EFTA regulation E.

PLEASE SEND ME IP ADDRESSES, DEVICE NAMES, LOCATIONS and TIME/ DATE of 2 unauthorized bill pays and bill pay add. PLUS ALL THE PAPERWORKS PLEASE! 

2.XXXX XXXX XXXX XXXX  at Wells Fargo is not capable to handle investigations. Their default decision is same. ( transactions were made in secure online banking session. There was no fraud????? Case is closed. ) I wonder they did really investigation. It seems they are working from home. How can they investigate from home? They call for nothing sometimes.

Please let other capable department ( not subcontractor ) reinvestigate.

3. In addition to no IP etc, Wells Fargo does not send all the paperwork they used.

4.Nobody cares about temporary credit I deserve. 

Stop my suffering by refund of XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From my Wells Fargo online account, I found in the morning of XX/XX/year>, 2 unauthorized bill pays ( XX/XX/year> : {$3100.00} and XX/XX/year> : {$700.00} ) were made. I went to local branch and filed a fraud claim ( case no.XXXX  ). 

On XX/XX/year>, 10 business days later, while chatting online about refund, Wells Fargo said they can not refund because they thought I myself made online banking session. I did not. I found that above 2 bill pays went to XXXX XXXX Credit Card account owned by XXXX XXXX with no XXXX according to proof of payment history on my online account.

Please help me get this money back ( total {$3800.00} ).

I filed a couple of affidavit of online fraud forms. 
Wells Fargo can ask a reverse payment to XXXX XXXX and refund me. I do not know XXXX XXXX XXXX  credit card customer.
Product: Credit card or prepaid card

I had a XXXX Account with Synchrony Bank for my XXXX account. The Maximum Balance was under {$5000.00}. My purchases from XXXX increased for a period of time, as I was making purchases for my grandchildren. The benefit of the card was that I could accumulate 5 % in points for each purchase. I found that I had to make payments on a more frequent basis than once a month to maintain the ability to add additional purchases and points. I did request an increase to mitigate the issue and was denied due to lack of history. 

Never in the period in which I had the card did I get behand in payments or make payments that were rejected. The Bank was not forthcoming with any options or information. I was not immediately notified that the account had been closed. I only found out when I checked my account status. A week passed before I received a letter stating that account closure was made due to possibility of future intention not to pay. 

Associated with the XXXX closure, the bank also closed two other credit card accounts ( XXXX XXXX and Carecredit ) for the same reason. In ALL cases, payments were made well in advance or on-time and purchases were normal. 

In my opinion, the closures were precipitated by the use of the XXXX credit card, which accumulated points valued at closure close to {$1000.00}. The bank had closure as a convenient method to default on the points, as account closure automatically resulted in cancelation of the accumulated points. I suspect that the bank had " gotten in over its head, '' with this benefit, as the XXXX card recently ended rewards.