23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is regarding the Bread Rewards XXXX XXXX credit card from Bread Financial. I had a balance on XXXX, which I paid online from a bank account. Bread could not process the payment and charged me a late fee of {$29.00} and finance charges of {$2.00}. If they could not process the payment, they did not send me any electronic notification. 

This is a new credit card that they have launched and their online systems are not set up properly : XXXX. I keep getting prompted to update my email and phone, although I have done it multiple times. 
XXXX. If they do not accept a particular type of bank account, then should alert the user when the payment account is being added. I tried with different banks as their system would not allow me to save the information while not displaying any reason. Finally, after XXXX bank attempts, I was able to successfully add a payment account. There were no errors. 

I spoke to XXXX from Ohio, ID XXXX. She said that they can only accept bank accounts that have a routing #, account # and accepts ACH. All the accounts that I tried adding does that. Then she said that we only accept checking accounts. If so, their system should not accept savings accounts. All other credit cards that I work with accept any payment account type. 

I asked her to take off the fees. She said that she would not. I am not paying them extra for inefficiencies in their system.
Product: Mortgage

After Suntrust bank purchased our home loan, we found out that only the primary loan holder can have an online account with access to a mortgage that my partner and I share. She is listed as a co-borrower but we have equal ownership of the home. 

This is an issue because both of us need to independently be able to access the account. We are equal borrowers on the loan and it is ridiculous that only one of us can create an account to access loan information online. Especially since we each were able to have login information prior to Suntrust purchasing our loan. I have called the Suntrust customer service number 6-7 times now from XX/XX/2018-XX/XX/2018 to file a complaint about their online banking system. On XX/XX/XXXX I was told that my case complaint had a Case ID of XXXX by a girl who listed her phone extention as XXXX. On XX/XX/XXXX I called back and no one could find record of that Case ID, which leads me to believe that a case complaint was never filed. When I asked a different representative to file a complaint they said they couldn't do so because it was Suntrust 's policy to only allow the primary loan holder access to the online account, even though, again, my girlfriend and I are equal owners of the loan. 

I emailed their customer service team online about the issue on XX/XX/XXXX and still have not gotten a reply.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for inaccurate and unlawful credit reporting related to a closed account in XXXX and was charged. Despite this, XXXX XXXX  continues to report ongoing late payments beyond the charge-off date, including through XXXX, XXXX, XXXX, and XXXX, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( creditors ) are prohibited from reporting inaccurate or misleading information. By reporting new delinquencies past the charge-off, XXXX XXXX is falsely indicating that I am continually delinquent on an account that was already charged off and closed, thereby re-aging the account to prolong negative impact on my credit profile.

Furthermore, under 15 U.S. Code 1681c ( a ) ( 4 ), negative items must be removed 7 years from the date of the first delinquency, and no new delinquencies should be reported after a charge-off has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were with XXXX XXXX for Auto Insurance when I was involved in an accident XXXX. About a block from our home, a pizza delivery driver backed out of a neighbor 's yard ( not driveway ) as I was driving ( with a passenger ) by on the way home. I did not see them until just as we collided. I did everything to avoid the collision and ended up stopping my car on the left shoulder of the street after collision. The Deputy gave the pizza lady a ticket and said it was plainly her fault. My Friend that was riding in my car confirmed the fault was strictly the pizza driver, of which she moved her car trying to change the situation. When XXXX XXXX was allowing the fault to be a small part on my responsibility, we vehemently disputed it and changed insurance companies to XXXX, who gave us a better rate. We had been with XXXX XXXX since XXXX! 
Now XXXX has raised their rates to XXXX XXXXXXXX for my XXXX XXXX and my XXXX 's XXXX XXXX, which is ridiculous! We want to change to XXXX, since my Husband is a Veteran, however have been told Lexis Nexis shows me partially being at fault for that accident in XXXX and a XXXX incident which was me getting my windshield replaced after having a XXXX XXXX it as I was driving home in a rain storm. We were not aware the windshield replacement was held against us, of which it is not supposed to be. 
I called Lexis Nexis several weeks ago and left a message for a returned call, as instructed by XXXX. They never called me back, however 2 weeks later, I received a letter with information on how to request the report on line, of which I did. Now it will take several weeks to receive the report so we can dispute this. In the meantime, I am still paying XXXX XXXXXXXX to XXXX which is very much a burden since we are living on Social Security income. 
How can XXXX XXXX list me at being partial fault when the facts proved otherwise? How does replacing my windshield also go against my record? In XXXX, a deductible isn't ever charged when replacing a windshield. We both have safe driving records and I have only had one speeding ticket in my whole life, of which I am XXXX XXXX XXXX! What is our recourse? 
Any assistance would very much be appreciated. 
Thank you so much. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Product: Mortgage

New Day USA, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, Telephone : ( XXXX ) XXXX sends me a piece of mail marketing almost every other day. I have NEVER contacted them. That company is known for predatory lending - they convince veterans and other elderly that a loan will help them and convince them to finance their mortgage. The person then ends with much more debt than what they had before. 

I do not mind receiving an occasional offer from legitimate companies but this company is simply too much. I shred and throw away all their letters, I never respond, you would think they would have taken the hint by now. 

Please help consumer by giving us a place where we can report these annoying and damaging to the consumer, companies.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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. 


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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made XXXX/XXXX/2018 Credit report showing i was 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the reporting error with the credit agencies twice. I have a 90 day reporting error on my credit and after disputing the information twice it has not been resolved. 

I disputed the report due to it being inaccurate. The report shows on time for XXXX XXXX and XXXX XXXX but then shows 90 days late for XXXX XXXX. This is an obvious error and obvious violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXXXXXX XXXX was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Product: Debt collection

I am writing to file a formal complaint against United Check Recovery Bureau Inc. for repeated harassment, threats, and unprofessional conduct. The company has been engaging in illegal and unethical practices regarding my debt collection, which have caused significant distress to me and my family. 

Here are the specific issues I have experienced : Unlawful Visits to My Residence : United Check Recovery Bureau Inc. has repeatedly shown up at my house and my mother 's house, making threats involving law enforcement. These visits have caused unnecessary distress and anxiety. I do not consent to their visits, and they have made me feel unsafe in my own home. Threatening My Employer : The company has contacted my workplace and told my employer that they intend to come to my job to serve legal papers. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collectors from contacting third parties about your debt.

Rude and Argumentative Behavior : When I spoke to one of their representatives, the individual was extremely rude and argumentative. The representative refused to discuss the matter professionally and aggressively escalated the conversation instead of resolving my concerns.

I believe that United Check Recovery Bureau Inc. has violated my rights under the Fair Debt Collection Practices Act and other applicable laws. I would like this matter to be investigated, and appropriate action to be taken against them for their inappropriate conduct. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving this issue.
Product: Credit card or prepaid card

I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

I have had nothing but issues with this bank since the day I got it. They held my irs check for 2 weeks. Then my account was emptied. XXXX was taken after they said they sent me a new card in the mail. So I got rid of the first card. The new card was the same as the first card and my account was emptier. I called the XXXX and told them I don't have XXXX XXXX or XXXX  and they didn't do anything since on the XXXX someone took the last XXXX I had. They denied my claim saying it's unfounded but if that's the case where is my XXXX
Product: Consumer Loan

I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.
Product: Debt collection

There is a fraudulent item on my credit file I have not went to the doctors office in years more or less the XXXX XXXX No one had permission to share or use my identification or share medical records.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of erroneous accounts from my credit report. Could you look over the documents? Some accounts have inaccuracies regarding the reporting, such as incorrect amounts and dates.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> A salesman from XXXX XXXX came and knocked at my door selling solar system. He explained to me that he can sell me a system that will be low cost on my electric bill. He asked for my electric bill which i give to him and he told me that he can save me 75 % on my charges if I do the solar system. As a single finance struggling homeowner I thought that it will help me tremendously, so I agree to pay a monthly fee to the company ( he said 3 years ). I asked for a copy of the agreement from XXXX XXXX and was told it will be mail to me. ( I never received any documentation ). 
He then showed me some documents on his phone which I can not understand and told me that these will also be mailed to me. He told me the work will begin in XXXX weeks but was surprised that in XXXX days they brought the panels and installed on my roof. After XXXX week past I tried to call but no one is answering the phone. I kept trying everyday but after a few months the number was disconnected. I thought that they will call me whenever they are ready to complete the job. Unfortunately an alert from XXXX XXXX XXXX XXXX was sent to me stating that XXXX XXXX XXXX XXXX, Fifth Third Bank N.A. has open an account in my name and it was past due. I called XXXX XXXX who then send me a doc signed of an agreement that I have no idea about and they told me it's a scam and to call the bank. I spoke to the Bank they said it's for the panels. I asked them to remove the panels because there on my roof and are not connected. How can you charge me for something that is not working. It seems that both the bank and XXXX XXXX are working together to scam poor people. 
My complaint is against XXXX XXXX and XXXX XXXX XXXX and Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your help
Product: Credit card

I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.
Product: Credit card

I signed up for a venmo credit card in XXXX because they were offering a {$200.00} promotional credit if you spent a certain amount within the first 90 days. I fulfilled the requirements but they still have not given me the {$200.00}. I've called them several times over the last 6 months and each time they say it will be on my next statement. It never is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on Experian Credit Report XXXX XX/XX/2023 Company name XXXX XXXX XXXX I didn't apply for the credit card or loan and no reason to see hard inquiry. Phone num listed on the credit report XXXX is disconnected number and knew it is a scam. Same company added notification to my Experian Credit report under Personal Information - Notices as Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I called Experian today and reported this as a fraud activity. 
XX/XX/2023 received a call and voice mail from XXXX. A man said I am the defendant, listed my home address, my court document number is XXXX. Also said to call XXXX and It included scary message that I am summoned to appear but I must stay in my address or call the number to receive document. I have no reason to get a credit pulled or get a scam voice mail from the collection agency. Please investigate thoroughly to prevent any other fraud victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, The debt collecting company Ad Astra Recovery Service Brought a debt from XXXX XXXX XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Experian when the account that was paid and closed updated on the other bureaus and did not on Experian. The account was paid and closed in XX/XX/year>. On XX/XX/year> they declined to amend the information on my report even with the letter from the company who the debt was owed. I resubmitted the dispute XX/XX/XXXX and they have also declined this dispute. This is not accurate and is directly affecting my debt to income ratio and my progress in purchasing a home.
Product: Debt collection

I recently tried to get an apartment in my name. A apartment complex reviewed my report and informed me that I had a debt in collection from  XXXX   XXXX , a apartment complex in  XXXX  TX. I 've never stayed in  XXXX  before and do n't know where this debt came from. I called the debt collection agency, Profession Debt Mediation ; they informed me that someone named  XXXX   XXXX  had opened the account with  XXXX   XXXX . He used my social security name in order to open the account. My name is  XXXX   XXXX , phone number  XXXX  address  XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX , TX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a credit inquiry on my credit report that I did not authorize. I believe this inquiry was made in error, and under the Fair Credit Reporting Act ( FCRA ), I have the right to request that this unauthorized inquiry be investigated and removed from my credit report. I did not give consent for this credit inquiry, nor did I apply for credit with this company. I request that you thoroughly investigate this matter and remove the unauthorized inquiry from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I ask that you provide me with verification that I authorized this inquiry or that it was made by mistake. If no valid consent or explanation can be provided, I request that you delete this inquiry from my credit report. 

Please confirm the removal of the inquiry and update me on the status of this dispute within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.