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

CareCredit/Synchrony bank changed their website where I have been scheduling my payments for time, they recently changed the payment site where you can not find the section that give you the option to schedule your payment. There is a popup that shows just a summary of your accounts and also a payment can be made from that option but there is a problem because your payment will not be made from that point. I am disputing my XXXX payment it was not late. I scheduled it on the XXXX, and it does not go through until it is submitted. I was charged a late fee because the statement shows it posted on the XXXX also {$30.00} charge. This is not my fault I received a confirmation number XXXX but evidently their system did not note this. There was a system problem with Synchrony in recording my payment.
Product: Mortgage

On XX/XX/XXXX payment of {$1600.00} issued, on XX/XX/XXXX a partial payment of {$990.00} was paid to Shellpoint followed by payment of {$1500.00} on XX/XX/XXXX, payment of {$1500.00} on XX/XX/XXXX, payment of {$1500.00} on XXXX. On XXXX my wife and I received a 30 day late hit on our credit report Called Shellpoint to see what was going on, spoke with XXXX XXXX who went over the account and advised that we were 30 days behind on our payments due to a partial payment of {$990.00} that was issued leaving a balance owed of {$590.00} for the mortgage payment. I went over the payments and she said that there were also late fees and ACH return fees over {$600.00} that were owed. When I asked about the payments, I asked why the {$990.00} payment is not showing that it was applied to the account, I was told by XXXX XXXX that they don't apply funds to a loan until the complete payment is made. I asked why weren't notified prior to the 30 day reporting to the credit bureaus and why almost 4 months later they are reporting this, she did not have an answer and just said that's the way they are set up as a company. The additional payment of {$590.00} was issued to bring the account current and I advised that since they have been sitting on my funds of {$990.00} for all this time, they need to waive all fees associated with the account and she agreed that they would be removed. On XX/XX/XXXX, we received another 30 day hit on our credit, my wife and I made separate calls to Shellpoint, one person told her that we still owed over {$600.00} in late charges and the person I spoke with said that our account is current and there are no issues and that the report would be an error. When I went to issue payment for XXXX, they are showing a late fee of {$360.00} owed. This company needs to honor what they say and remove the fees. How can they be over {$600.00} one week and then be {$360.00} the following week? We can not get a straight answer from anyone at Shellpoint and need help getting these fees removed as we were told they would and they need to remove the credit bureau hits they made against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.
Product: Checking or savings account

I was hit with overdraft fees of {$35.00} every single time something hit my account, multiple times a day, racking up hundreds of dollars of overdraft fees even when the overdrafts were for as little as {$4.00}.
Product: Student loan

In XX/XX/XXXX XXXX  sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I  was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I was at my bank XXXX to do a international wire transfer of {$14000.00}, the transfer was incomplete and sent as a domestic transfer to New York Bank of Mellon. My bank said that they did a recall on the money but up to date there's no respond from the New York of Mellon to track the money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my daughter sent a cashapp transaction of {$150.00} to me but she accidentally sent it to my old cashtag instead of the new one that she had created for me months ago when i got a new phone. The next day after realizing the transaction still had not come through we started looking closer at why. When she went back on her cashapp she asked me to verify mine. Upon doing so is when we realized the mistake. She immediately reached out to her bank to find out if she could cancel the transaction. She was initially told that the transaction had to actually post and then she could file a claim. I in turn reached out to cashapp support and filled out all of the info requested, my name, old cashtag, new cashtag, etc ... .I provided everything that they asked. My first complaint is that it took hours for them to actually respond. This went on from Saturday to Monday. On Monday, I finally was able to get someone on the phone, who basically asked me to repeat or give all the info that had previously given over the course of the weekend. I was told that a decision had been made and due to security reasons they could not do anything further. I questioned the " security '' reasons because i was the one who provided all of the secured info that they requested. Again, i was told there is nothing further they could, they had resolved the issue and the case would be closed. My response was the case is not resolved, there is a {$150.00} in limbo and you have not even offered me any solutions to give to the sender. They then told me that the case is closed and they would be happy to assist me with anything else. At this point I'm furious! the case is not resolved because my daughter is out of {$150.00} and so am I because she was reimbursing for an expense that i had covered for her the previous week. By now I'm livid and i feel like they give you the run around purposely so that they can keep your money. My daughter reached out to her bank again because by now the transaction has posted and the money has been deducted from her account. Her bank XXXX told her that it is the merchant 's ( cashapp ) responsibility to issue the funds to me. I have threatened this entity and still no one has tried to resolve this issue for me. Also, when you're trying to resolve issues you're talking to a cashbot, not an actual person. The responses they send back are generic and not specific to your request. And when I finally was able to speak with someone they blew me off not willing to offer me any further info. Or to tell me what other info I could provide to them to prove that i am who i am and that this transaction was misplaced. 

My daughter 's bank XXXX said that if CashApp would issue a letter about the claim then XXXX would reverse it and refund her the money. Well guess what, my daughter reached out to CashApp for a letter and she has gotten no response, nothing! In this day and time who has {$150.00} to play with. I need my money. PLEASE HELP.
Product: Mortgage

I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion is showing Negative accounts that are not listed on my credit report. If not listed they need to be removed. I have a paid account to XXXX XXXX  that is listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and Convergent, Equifax has violated my rights.

15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Product: Mortgage

I attempted to have my PMI removed as my home equity had surpassed the 80 % as required but Wells Fargo bases PMI based on the original value at the time of purchase so Im forced to continue paying my PMI based on the home value in XX/XX/2019, not based on the current home value. At this rate, I will continue paying PMI unnecessarily for a decade.
Product: Debt collection

Sunrise Credit illegally obtained information from my deceased family member and fabricated a debt that does not exist and put it through collections. They have left hundreds of phone calls from a robo-caller each day from spoofed numbers calling at all hours of the day for a measly {$130.00} for an account that was closed and paid off.

We have received so many spam emails titled " Personal Business Matters '' and many obnoxious phone calls throughout the day which is harassment. They are the bottom of barrel lunatics using unethical tactics to make money.
Product: Debt collection

I made an image test in XXXX XXXX XXXX. At the day of the test, I paid {$250.00} via credit card. Some months later the Hospital sent me a bill of {$870.00}. So, I called the Hospital and asked to them take out {$250.00} of that cost once I paid it prior the test. Furthermore, on XX/XX/2022, I called the Hospital and negotiated a discount. So, they accepted to receive more {$50.00} and END the charge. Then I paid more {$50.00}, totalizing {$300.00}. 
Recently, for my surprise, I received a debt collector letter, trying to receive {$820.00}. I disputed the debt and sent to them the documents which prove I paid the total cost of the service negotiated with the Hospital. However, they ignored my dispute and sent a new letter with rougher threats. These trying to receive more money than was agreed upon is causing a lot of stress, because I thought I could trust on the deal I made with the hospital. It is a lack of transparency and honesty.
Product: Credit card

In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. 

During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. 

Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my XXXX score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I became delinquent on my consolidated student loan. In XXXX of XXXX this information was reported to credit reporting agencies. For example my XXXX  report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My Equifax reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XXXX of XXXX. XXXX  does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to XXXX, Equifax, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623.  Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, Equifax, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall 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. XXXX XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : EXPERIAN : 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Mortgage

Hi, I am disputing the accelerated loan charges 10k ish in total, as we were only late as we assumed all along we would get the loan modification due to PNCs manipulation. We have a close date of XX/XX/XXXX in the house to pay back the entire balance and avoid foreclosure, and PNC is not working with us as they are trying to still proceed active foreclosure. We have a signed contract and will close as I said, XX/XX/XXXX with the loan balance being paid off.