23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have concerns regarding synchrony banks interest policies. I made a purchase of XXXX $ from XXXX when i bought home last year, and I was convinced to purchase credit card due to the overwhelmed expenses that came with home purchase. Since then, I was making payments regularly after enrolling for autopay. 

Unfortunately the said promotions got expired on XX/XX/XXXX of 2024. The synchrony back who owns this credit card charged me a hefty interest that rounds up to {$1300.00} $ till date which is too much considering the purchase amount. I made a total payment of XXXX $ in total last week as an effort to stop accruing the interest, but interest keeps on getting added even this billing cycle. XXXX including reasons resulted in not paying off within 12 months. 
XXXX. Was enrolled in credit card 's auto pay program and I lost the card because of which i was not logging into online account to check the statements. 
XXXX. I was taking care of my father who was in emergency care through out month of XXXX timeframe during which their promotion expired after which synchrony charged this hefty interests and raising interest rate of 34 %. 

As a customer with a decent XXXX XXXX, i'm not getting any sort of relief from XXXX on my request to waive off interest as a XXXX time courtesy is not even being considered by their customer care team. I was also not aware of their policy to bump up the interest to almost 34 % and charge all the interests from the date of purchase ( Accruing interests for the past XXXX months and charging me an amount of XXXX $ by interest itself ). XXXX fell into the predatory policies of the company, XXXX wondering why they are not recognizing genuine reasons and Looking forward for a needful action to avail me with the needed relief.They just refunded XXXX XXXX but that's not what I'm looking here. 

Please note that through out last year, I didn't even miss a single payment .Yet, this credit card issuer ( synchrony bank XXXX charged me this high interest amount citing reasons that at the time of promotional expiry payoff was not done. As soon as I became aware of the missing payment, I paid off the full amount excluding all those interests..Requesting some intervention to get this sorted with synchrony bank trying to loot the customers with them rejecting my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BANKRUPTCY REPORTING ON MY CREDIT REPORT IS IN ACCURATE, PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair credit report act whenever a consumer report agency compares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to re-investigate these accounts listed below because XXXX [ XXXX ] Date of last reported is not correct, Date of last payment is unknown. Also its many discrepancies with incomplete payment history. This account is not accurate. 

Furthermore, I was told by XXXX that this debt has been sold to a third party, which, according to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), means that if this was my debt, I would no longer owe this debt to the organization. In addition, the issue of consent regarding information under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights. 


XXXXXXXX XXXX XXXXXXXX Says that this account is placed for collections, but the account type is open account, major discrepancy. Date of last payment is unknown. it is discrepancies throughout this reporting. In addition, I do not have a contract with this company what so ever. Under the Fair Credit Reporting Act ( FCRA ) 1681b, selling personal information without explicit consent is illegal. I have not authorized the sharing of information, and any actions taken to do so are in violation of my rights.
Product: Debt collection

I received a debt for XXXX dollars. 
My insurance paid everything. I owe nothing.
Product: Credit card or prepaid card

My account with First Progress was reported as 30 days late on my credit, When i called to see why they said for non payment which in fact i was paying the the bill through bill pay with my bank .I gave correct information and the bill was paid the first time not sure what happened after that so i payed the past due amount over the phone with First Progress and contacted my back they refunded my payment back so my complaint is now i have a late payment on my credit and First Progress wont work with me to resolve this I've never been late on my payment and thats the only way they accept payments is through the back for free or {$10.00} service for over the phone so i chose to use my bank.I need help with this please.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. 


1. The following personal information is incorrect
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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: Checking or savings account

Capital One Bank offered checking and savings account but closed many branches. So in order to access money, we have to travel to the limited branches that are now open. Yet the website offers non-fee ATM in various authorized locations. The website located : XXXX XXXX XXXX, XXXX XXXX NY XXXX ( AD # XXXX ). So I went to this location to access my money and was charged and additional {$3.00} and the following day Capital One charge an additional {$2.00}. Capital One representatives transferred me over twice after and repeatedly told me she is unable to see the extra charges. Finally, she told me there was nothing she can do and I should only use my XXXX accounts. So I closed my savings account ( # XXXX ). My issue was on this account and she kept fixated on my other accounts. The is no previous or current documentation that Capital One Clients should close their accounts and only go XXXX to receive full benefits. This should be published so previously open accounts patrons can be aware of Capital One 's current business practices.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Capp App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial issues, and I seek appropriate redress for these violations.
Product: Mortgage

Bank of America is not consistent with the dates it cuts the mortgage statements. Additionally, they do not even wait for the escrow shortage to be made within allowable timeframes and instead send bills for amounts as if the shortage had not been made when it was. 
For many months now I see BofA cutting my statement and sending it to me the exact same day that they receive my payment no matter how early I make it -- - making it very difficult for me to know when the next stmt will cut. My XX/XX/XXXX stmt was cut on XXXX - the exact date that my XXXX pmt was made. This stmt said next pmt due XX/XX/XXXX. My XX/XX/XXXX stmt was cut on XX/XX/XXXX - the exact date my XXXX XXXX posted and that XXXX said next pmt due on XXXX. My XXXX stmt was cut on XX/XX/XXXX - the exact date my XXXX XXXX was posted and that stmt said next pmt due on XXXX. Then I receive my annual escrow analysis ( dated XX/XX/XXXX ) which has a shortage due on XX/XX/XXXX. I send the shortage and the check clears my bank on XX/XX/XXXX ( well before the XX/XX/XXXX due date ) - so BofA probably had it the day before. Anyway, my XXXX XXXX posted on XX/XX/XXXX so true to form the XXXX stmt cuts on XX/XX/XXXX. The next pmt due on XXXX per that XXXX stmt is XXXX which is the amount that would have been due if I had not paid the escrow shortage of {$540.00} which, as I said, cleared my bank on XX/XX/XXXX. So seems to me as if they had the escrow pmt on XX/XX/XXXX and it should have been reflected on the statement. If nothing else, If BofA would have waited until XX/XX/XXXX to cut the XXXX statement XXXX instead of cutting it so early ) they should have been able to have the escrow shortage payment reflected on the account ; and then the XXXX XXXX would show a pmt due XXXX of {$1700.00} ( the amount that it should be BECAUSE I PAID THE ESCROW SHORTAGE ON TIME!!! ). So when I called XXXX XXXX from Texas - which I serious doubt ) at XXXX number on XX/XX/XXXX at XXXX pm, and asked him to send me a corrected bill he said he could not. He said they have had computer issues and with bills cutting early and late and they are working on it. I said they sent me an incorrect bill and asked if he could send me a corrected one. It was their mistake. He said they can not do that b/c their system will only show the old bill. Well to me it looks like they are trying to bill me in advance and over bill me because they send the bill too early before applying the escrow shortage. Seems a little predatory to me. They should be consistent with their billing. They should allow the full month for payments to be applied especially when they have escrow shortages due. They should fix their computer systems. If I wanted to make extra principle payments after my regular payment but in the same month - I don't see them on my statement for that month. It used to be better - now it's not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card as a charge off on my XXXX credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

I had a credit to my checking today XXXX for over XXXX from my child support. I had a check and automatic withdrawals come through. This morning my account was fine, my credit posted everything had cleared. Then I get an email from bank of America stating my acct was overdrawn. My credit and withdrawals were changed, my check for XXXX was returned, my withdrawals I have a fee for each of them. XXXX in fees. I called BofA, no help, just telling me the check posted last night, not true. I checked the deposit rules and my credit should have covered my check and the XXXX automatic withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 4 inquiries that i didnt not make
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've received phone calls at one point, every day then every other day from Portfolio recovery. For example XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, then XX/XX/23. I initially missed calls by accident, then didn't answer because the caller ID seemed scam-like. I then began to look into who they are and what debts I potentially had associated with them. I have 1, that I am in the process of getting handled via XXXX XXXX or sending them a debt validation letter since I noticed inaccurate information on my account they're associated with. I then did research on XXXX and saw how they've maneuvered in this manner with other people by making legal threats, which I'm certain has been attempted but I haven't been home either time that they came to my house.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account NumbeXXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card or prepaid card

I have made a payment to CITI Advantage on my husband credit card via the XXXX XXXX Online payment system. The {$2000.00} was to be delivered to CITI on XX/XX/2018. I was told that CITI can not find the payment. After numerous phone calls including two conference calls initiated by XXXX XXXX to CITI and myself but no results. I was to get a conditional credit on the account until the issue was resolved but that did not happened. The answer is always call back in a week. Today I was told to check the XX/XX/2018 statement. I am getting the run-around with this issue. They do not hesitate to charge interest and late fees since that is in their program but the consumer has not options.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Bank of America reported three delinquencies on my credit report for balance of less than {$50.00}. I was assured I had autopay. I never received notice of these delinquencies nor did Bank of America enable autopay as it had indicated.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not accurate.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, ITMm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Mortgage

Made XXXX/2017 payment via an ACH payment through my bank. Escrow had changed raising payment by {$100.00} causing payment to be short by that amount. Instead d advising me they posted the payment of {$1400.00} as a principle payment and posting nothing towards my XX/XX/XXXX payment. As a result they reports to the credit bureaus that I am 30+ days past due. My credit score droped 126 points due to this. I have never been late in the 10 year history of this mortgage. Worst yet, they never notified me of the problem. Please help