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

Synchrony Bank has my XXXX XXXX  card. I have been a member since XXXX, never once missed a payment. I have been enrolled in auto pay. tow months ago, they assessed me a late fee for a missed payment. THEY stopped my payment method with out contacting me. I have delt with this deceptive outfit before with a XXXX XXXX card. if you don't carry a balance, they lower your credit limit to cause your fico score to drop. 
these are deceptive practices and should be investigated. how many other people have they bilked on late fees when they trust their payments are made on time. Please review other complaints and investigate that they do this on a large scale to bilk fees and late charges, as many people wont complain. I am looking into a possible class action lawsuit with them, You have an obligation to investigate this complaint and look into how many others were affected by this. I will await your details. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was active then it disappeared I'm now being blocked from accessing my account won't even allow me to change my password
Product: Credit reporting or other personal consumer reports

I had a checking account with XXXX and XXXX XXXX  and showed my police report along with my ftc report and its still states I owe them when they were open as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX to remove the old account from my credit report, they are removed and added right back in a day.
Product: Checking or savings account

I was charged fees by Wells Fargo and they placed my name in the debt department for one account over {$300.00} and the other amount over {$400.00}. I should not have to pay these fees because it was for a check I had cashed already.
Product: Credit card

I've always ensured timely payments on this account, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I recently received a copy of my ( Equifax ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXXXXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) 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.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone tried to apply for a CC in my name for XXXX XXXX CARD CREDIT CARD. Hard inquiry was on XXXX Credit Report and XXXX soft inquiries were also on my report. I was sent a letter in mail about needing more information to open a report. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Ohio XXXX. I was told to call XXXX.
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 XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 60 days 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 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 XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian will not open a dispute I have identity theft.. I received a email from them asking for more docs when called them to ask how to send them they said this Experian explains the law states I can not dispute something thats already been disputed per our rude phone conversation on XX/XX/24 I don't see that anywhere in the FCRA 605. I would like Experian to take the law seriously and delete this item off of my report I have been denied for credit bc of this problem I have uploaded all the supporting docs that they requested in the email in this complaint since they are not providing me away to get them uploaded I will be also contacting an attorney for this matter Thank You
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Im resubmitting 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was attempting to buy concert tickets via my bank Chase and a transfer service XXXX. I was purchasing 2 tickets at XXXX $ each for a total of XXXX XXXX I did the initial transfer and then was told by the scammer that he accidentally declined it. I requested to see confirmation but he said it was a " pop up '' and he didn't have it. 

Reluctantly I sent another XXXX XXXX he stopped responding, and I have since tried to get any sort of identifying information from both chase and XXXX. Both have said there is nothing they can do for me. They initiated a claim and said they could send out a letter. 

There is identifying information about this individual that they have available to them but refuse to provide to me based on company policy in turn protecting the thief who stole from me when, within their power, they have the ability to find out what bank account this was transferred to and then the name associated with that account. In other words they can find out who stole from me but are withholding this information as well as declining to reimburse me for the money that was stolen. 

Chase Claim Number : XXXX This person who stole from me has identified themselves as " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Citi enrolled me in a Payment Safeguard program on XXXX/XXXX/XXXX without my knowledge or consent, and I just discovered it last week. 

According to this CFPB press release ( XXXX ), " From at least XX/XX/XXXX through XX/XX/XXXX, Citibank actively marketed and enrolled consumers in XXXX debt protection add-on products : XXXX, ' XXXX, ' XXXX XXXX, ' XXXX XXXX, ' and XXXX. ' [ Emphasis added ] I 've been a Citi cardholder for nearly 30 years and just noticed the XXXX fee on my bill last week because it was large enough to stand out - nearly {$300.00}. The large fee stood out because my balance last month was exceptionally high ( over {$34000.00} ) due to all of the expenses of a household move. 

I called Citi to say I never signed up for the service, which protects against the inability to pay because of a job loss, illness, etc. I told XXXX at Citi that I XXXX from in XX/XX/XXXX with a full XXXX pension, and both my wife and I are on Social Security with steady income. He understood there is no way I ever would have agreed to a Payment Safeguard program and so agreed to refund ALL of the XXXX fees since XXXX/XXXX/XXXX when I was enrolled. 

But I also asked how I was enrolled in the first place. He agreed to file a POE ( Proof of Enrollment ) request, which should take 30 days. 

It seems that Citi is still fraudulently enrolling customers in services without their permission. While I applaud the CFPB for taking action against these companies, rather than just fining them, which hurts shareholders and ultimately customers, punitive action needs to stop the fraudulent practices. Responsible executives need to be held more accountable - fired, fined, or jailed. 

OVER {$300.00} IN INTEREST WERE ALSO CHARGED - Related to this household move was the fact that I notified Citi of my Change of Address but missed receiving a bill for XX/XX/XXXX. So because I my payment was late, Citi tacked on over {$300.00} in interest. They refused to remove the interest charge, even though it may have been their fault that I did n't get the bill, even though I paid the entire {$34000.00} bill the very same day they called, and even though I 've been a 29-year customer with a history of paying the bills in full each month. 

I will be changing credit card companies as a result of this experience, but I file this complaint to help expose unscrupulous and illegal practices that continue to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts to contact Equifax by phone and internet are met with " system down '' and " try this '' type of response .... none of which work. 
I have two addresses shown by Equifax, which were removed by both XXXX and XXXX   because they are fraudulent and were attempts to steal credit card information. 

I was recently refused opening an account at a bank because I denied ever living at either one of  those addresses. I had requested Equifax to remove them about two years ago when the attempt to steal my credit card was made but did not realize until I applied at a bank recently that they still exist. 

One method I have been given by Equifax to resolve this is for me to send by US Mail several sensitive documents that I don't want in the wrong hands. I have even accepted the invitation by Equifax to use their " TrustedID '', which should allow me to securely communicate with them. However, this has not worked and they simply keep saying to submit a dispute but has made it difficult, if not impossible, to do so. Seems like they want to push off people until they get frustrated at the process and give up. 

I will not give up and will contact my State Attorney General regarding their regulation of Credit Card Reporting Agencies. I have always had a credit rating about XXXX yet feel like I am a deadbeat when dealing with Equifax.
Product: Debt collection

They call 4 and 5 times in a row back to back. It 's horrible. I 'm working and talking to customers and my phone rings 5 times back to back?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : XXXX XXXX Account # XXXX Date : XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX.Department of EducationXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXXDepartment of EducationXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX Account XXXX XXXX Date : XXXX XXXX. XXXX Account XXXX XXXX Date : XXXX XXXX. XXXX  XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX XXXX Bankruptcy Reference # XXXX Date : XXXX XXXX. XXXX Acct. XXXX Date : XX/XX/2019 Thanks for your time in this matter. Accordingly I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX in XXXX. They sent my information to Santander Consumer USA. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to Santander to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and Santander was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.
Product: Debt collection

On XX/XX/year> at XXXX XXXX  I spoke with a representative name XXXX who was very rude and disrespectful. I ask to explain how I owe XXXX balance he said because I do He stated I am being cheap and trying to skip out on XXXX balance that is inaccurate with the receipt they sent me. He stated I will pay regardless of what Im saying He kept putting me on hold to mute me and never transferred to a supervisor just kept me on hold and hung up on me.
Product: Credit reporting or other personal consumer reports

This company has XXXX XXXX my account but hasnt sent me a XXXX. It has been written off on their taxes and they trying to double dip. They are harming my credit by keeping it on their. I need the XXXX XXXX removed asap.
Product: Credit reporting

The company refuses to remove inaccurate negative credit items The company refuses to remove credit inquiries that were not authorized
Product: Checking or savings account

I filed a claim for a fraudulent check that was written for {$1900.00} out of our savings account on XX/XX/19. I called once a week for four weeks without resolve. They gave me time frames of 7-10 days, then 15, then 21. Its now been over 4 weeks and all they will tell me is that they are investigating. I was told that they would call me at XXXX XXXX today. It is now XXXX XXXX  and still no call.
Product: Mortgage

I have a loan modification application  XXXX . The POC  XXXX   XXXX  at  XXXX   XXXX   XXXX  ext.  XXXX  Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure.     Dates when I have called :  XXXX .    XXXX .    XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

XXXX XXXX # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.