23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property insurance payment is included with my monthly fees, and the mortgage company, Newrez LLC XXXX, Shellpoint Mortgage XXXX, was supposed to pay it. Yet, they neglected to pay on time, allowing the policy to expire. Because of that, there was a gap : XX/XX/XXXX, XXXX XXXX, 2024, without coverage. They have imposed insurance for that gap and are charging me {$600.00}. I had a three-way conversation with their insurance department ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The California XXXX XXXX confirmed they sent the renewal letters twice to them and provided the dates they were sent. Yet, the Newrez XXXX department denied receiving it, imposing that insurance gap and forcing me to pay for a mistake they made by not renewing the policy on time. I have tried to resolve the issue several times, asking them to rescind the charges, but they refuse to do so. I believe these are unfair and fraudulent business practices.
Product: Bank account or service

Hello CFPB, I would like to bring to your attention the harassment policies that the CHASE bank has used against me. I opened a chase account providing all information which was asked at the branch making a copy of all documents as well. however they hit my credit for a credit card which they never gave to me and sent me a letter that i need to submit documents which i did again by going into the branch at XXXX UT. they again kept sending me the same letter until i asked them to stop by going in the branch again. 

now they again sent me a different letter that they are closing my chase account without prior notice and gave me the excuse that i dont have an ssn but i have been submitting taxes for the past 3 years on time and i gave them my ssn card to make a copy 4 times. they never sent a notice letter before and directly closed my account due to which i didnt get my direct deposit. these criminals at chase need your audit as they are doing frauds with customers like me who we have to suffer
Product: Credit card or prepaid card

On XX/XX/2018, I got a notification that XXXX XXXX XXXX was having a clearance sale. I selected a few items ( totalling {$57.00} ) and went to check out. Once I went to check out, they had a promotion that you could get 20 % off your purchase and free shipping if you applied for and got approved for their store credit card. I applied and was approved. 

However, I was told I would not be able to use my card until I received it in the mail. I said that the only reason I applied for the card was for the promotional benefit and that I would not be able to wait for the card to arrive to complete my purchase as these were sale items and already in limited supply. Both Synchrony Bank and the XXXX XXXX representative I spoke to were incredibly unhelpful, and told me I would either have to wait for the card to arrive or to go to a store and use a printed slip to make purchases in store ( with no guarantee that the same items I'm trying to purchase would be in store ). I feel deceived, as I never would have applied for the card, putting a ding on a credit, had I know I would not benefit from applying for the card for my purchase today. 

I think it's deceiving to customers to display benefits for a credit card that you can not even actually benefit from immediately. The language is incredibly misleading, and I can not be the only person to have fallen for it and then be disappointed once they have to complete their purchase without the advertises benefits. There is an asterisk near the offer ( attached here as an attachment ) but no where does it say that you can not use your approved card on your current/ '' today 's '' purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, a challenge letter was mailed to TransUnion via certified mail # l : XXXX XXXX XXXX XXXX XXXX. After waiting 30+ days a non-response letter was mailed XXXX, XXXX. To date, I've yet to hear from TransUnion regarding the request to verify the accuracy of the information they report. According to law, they are to remove all disputed information if they do not reply within a reasonable fashion.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 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 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are reporting inaccurate information. I sent a letter on XX/XX/22 about an inaccuracy on my credit report. There is a collection that was paid off, but XXXX is reporting it even though there's an agreement with the original creditor to delete once paid. The account they are reporting is also a violation of XXXX. Unauthorized inquiries are being reported by all XXXX credit bureaus. Please delete the inaccurate account and unauthorized inquiries. The letters that were mailed are attached listing the items to remove. The collection account to remove is XXXX XXXX XXXX XXXX the account number is XXXX. Please reference the attachments for the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax on several occasions ( the last time XX/XX/2020 ) requesting that they fully verify that the accounts on my credit report belongs to me. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have refuse to delete the accounts as stated by the law. 

In addition they ( Equifax ) have taken more than 30 days to respond to my letter. My letter was sent on XX/XX/2020 ( as shown on receipt attached ) They responded on XX/XX/2020.
Product: Checking or savings account

1.First dispute was in XXXX if 2019 to report that my balance on transactions continually changes and provided documentation. 
2. Received by mail a letter that had nothing to do with my situation. 
3. Reported again in XXXX that my bank continues to alter my balance with my transactions and provided documentation. 
4. Again received a letter that had nothing to do with my situation. 
5. Began a thorough personal audit of my online account on XX/XX/2019 only to find that balances did not reflect the transaction. Printed a year 's worth of documentation. 
6. On XX/XX/2019 I walked into the local branch with my documents. They called Capital One Online who verified that there was a glitch with isolated accounts and they had been working on it. They said they would begin a full audit which would take up to 10 business days. That DRT would reach out to me with balances with statements. Case # XXXX. My question at that time was if they were aware of a glitch, why was this not addressed the 2 previous times I reported this fraudulent activity? 
7. On XX/XX/2019 I checked the same dates with discrepancies in the balances change on transactions with the dates of XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. What I found was that the balances had changed on every transaction for the same transactions I had copied on XX/XX/2019. And in some of these transactions the balances went from positives to negatives, and vice versa. 
8. On XXXX XXXX I choose the most recent date of XX/XX/2019 transactions to see if the balances changed. They did each and every day. Not once were they the same. 
9. XX/XX/2019 I received and email from a do not reply address from Capital One which and I quote said, " Thank you for reaching out to let us know about the digital issue you were experiencing. We resolved it, and you now be able to successfully sign in and use your account features or sign up if you haven't already. '' Again this response was generic and has nothing to do with my situation. 
10. Finally, I went to check out my account to see what " changes '' had occurred. Their idea of fixing the situation is that I can no longer look back online at transactions past XX/XX/2019.
Product: Credit reporting or other personal consumer reports

My account with XXXX never late! I have had exceptional payment history witH 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 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 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

Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.
Product: Credit card or prepaid card

As per usual I made my XX/XX/2020 payment ( {$40.00} ) on card and in XX/XX/2020 made a {$62.00}, payment, payment made thru bill pay on bank website, like I always do. On my XXXX statement I got a past due charge of {$25.00}, verified I'd made payment on time then called the credit card co to ask what gives, Was connected to the Payment Investigation Dep. told them payment had been made on time and they said they'd look into it, but I needed to send them proof via an Electric Funds Transfer report. I was on phone for over an hour being transferred back and forth to different depts and being disconnected twice. On XXXX statement got a {$25.00} past due fee adjustment and a past due charge of {$38.00}. I called again, was told again they would look into it but I needed to send them proof via an Electric Funds Transfer report. I was on phone for almost 2 hours being transferred back and forth to different depts and being disconnected twice.. Then I started getting past due e-mail notices. On XX/XX/2020, I had talked to the banks Assistant Vice President who also called Capital One and spent almost an hour on the phone with them trying to resolve this. She also sent them a letter with copies of my transaction activity as well as transaction detail screen shots. XXXX statements showed both payments credited and charges reversed. Then yesterday got a letter from Cap One stating the info sent was not sufficient and needed more info and asked for front and back copies of check or money order which I don't have because I paid thru bill pay on bank website. Enough is enough, I'm now contacting you for help.
Product: Bank account or service

Webster bank takes overdraft fees after XXXX electronic transfers were taken out after i purchased a book they took the money out again This has happened numerous times. These are not over drafted checks they are electronic transfers ' according to dood franks act you can not be charged for anyone under XXXX dollars they did this numerous times.
Product: Credit card

Credit card not working, or allowing purchases to be credited to account, notice of eft transfer act violations, account has been discharged and should have a XXXX balance and XXXX available credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls XXXX to XXXX  times a day. day and night, with XXXX call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.
Product: Credit reporting or other personal consumer reports

I have a discover credit card on my credit report that Ive never opened before in 2020 in the amount of {$500.00} but now has been charged off to {$730.00} and sent to collections. The information is inaccurate and fraud. Someone is using my social security number and ID card to apply for credit cards and loans in my name like installment loans and mortgage loans. I need this removed off my credit, it is effecting me a lot right now.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX # XXXX, XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Paid Account under FCRA and TILA Account Name : XXXX, XXXX ( Revolving ) Account Number : [ Insert Account Number ] Balance : {$780.00} ( Paid in Full ) Dear Sir/Madam, I am writing to dispute the reporting of the above-referenced account on my credit reports across all major credit bureaus. The account with XXXX XXXX XXXX has been paid in full, yet the account is not being reported accurately by all bureaus, which is negatively affecting my credit profile. 

Legal Grounds for Dispute : Inaccurate Reporting - FCRA Violation ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and fair reporting of credit information. Despite this, the account with XXXX XXXX XXXX is still showing discrepancies across different credit bureaus. As the debt has been settled and there are inconsistencies in the reporting, this violates my rights under the FCRA, and I demand the account be removed or updated immediately. 

Creditor Definition - TILA Violation ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act ( TILA ), a " creditor '' is defined as an entity that extends consumer credit and to whom the debt is payable. Since XXXX XXXX XXXX is no longer a creditor in relation to this account and the balance has been fully paid, the account should either reflect its paid status or be removed entirely. 

Actions Requested : Immediate Investigation and Removal : I request an investigation into this account as per FCRA regulations. Given the inconsistencies and the fact that the debt has been paid in full, I am requesting the complete removal of the account from my credit reports across all bureaus. 

Correction or Deletion : If the inaccuracies can not be verified, I request that this account be deleted from my reports entirely or updated to reflect its " Paid in Full '' status across all bureaus. 

Written Confirmation : Please provide written confirmation that this account has been removed or updated across XXXX, Equifax, and XXXX once the investigation is complete. 

I expect this matter to be resolved within the 30-day period as outlined under FCRA regulations . If no action is taken within this period, I will pursue further actions to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response confirming the correction or removal of this account. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a debt collection letter and I have been trying to dispute and I am unable to get ahold back anyone with the optimum outcomes company to dispute like the letter states. The deadline to dispute was XX/XX/2023 and unsuccessfully been able to dispute. Today is XX/XX/2023. I would like leniency with the date to dispute and someone to contact me in regards to get this taken care of. Reference # XXXX. 
Collection for XXXX XXXX who has passed away XXXX XXXX. There was no bill sent by the company for the bill.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. I own a XXXX Bank credit card. My problem today is that I have successfully paid off my credit card on XXXX separate occasions. On both occasions, the payments were cleared and posted successfully. I know this because both times I was allowed to continue using my credit card to make purchases and my balance was {$0.00} at the time of those purchases. This is important to know because my credit card limit is {$3000.00}. Both of my payments exceeded this amount. I called their customer service number and was told multiple times that my balance was zeroed out and that I wasn't carrying a balance. A few days after paying off my balance, my credit score took a dive, and when I logged in to check my balance. It had been reversed for the second time! I have receipts showing that both of my payments were successfully posted. 
SYNCHRONY BANK is not operating with integrity. If I pay off a balance then, that should be the end of the transaction. No bank should be able to reverse a payment that has been successfully posted. 

XXXX XXXX- A transaction that has been fully processed and completed. 

If my payments were POSTED successfully both times, then why were they reversed? 


Please closely review my attached documents. I will be including evidence as well as a letter with federal codes that SYNCHRONY BANK HAS VIOLATED. 

My GAP/SYNCHRONY BANK credit card balance is currently {$3500.00} as of XX/XX/2022. 

The dates of my successfully posted payments were : XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

I have a care credit card with sync bank. I use the card for my medications at XXXX XXXX. Today I needed to pay for my XXXX  with XXXX XXXX, which is a XXXX XXXX medication, the card was declined. I called them, and the customer service agent sent me a code to my phone and said it would work. I tried again and it still didnt work. I called three more times to be told I had to wait a week for them to send me a pin, after I had one sent to me. I explained that the medication is XXXX XXXX  and she said, '' not our fault '' after they illegally blocked the card. I still have XXXX dollars on it. Since I'm going with out my treatment, I will seek legal action.
Product: Credit card or prepaid card

When trying to check the balance of my XXXX XXXX Gift card through XXXX the website does not offer a way to check the balance and when I call the number to check through the automated system it asks for the gift card number and PIN but there is no gift card PIN with this card. So I am unable to check the balance on this card without going into the restaurant.