23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> I called Synchrony Bank regarding my Lowe 's store card. After going a few rounds with the automated system, I was finally connected to a representative. My inquiry was in reference to the {$1.00} monthly fee charged for a paper statement and if that fee could be waived. I explained that we are older, retired and not as computer savvy as some and we prefer a paper statement. Also, the paper statement is helpful for us in tracking and budgeting our monthly bills. Additionally, we prefer to limit our exposure to fraud by not having auto payment access etc. For these reasons, I asked if the fee could be waived. The representative said the fee could not be waived but did offer a few dollars courtesy credit. So, to avoid the {$1.00} statement fee, we must use the autopay, online pay, or close the account ( which we are considering ). This becomes a greater issue with the Lowe 's Home Improvement account since every item for purchase at Lowe 's receives a 5 % discount when using the store card provided by Synchrony. Prices marked at this chain appear slightly higher than local competitors and that requires using only the store card from Synchrony to receive the discounted price.

In summary, if your older and prefer a paper statement, you pay the fee. Period. If you choose to cancel the store card or just use another form of payment, including cash, you pay a 5 % penalty when shopping at Lowe 's. The store discount as attached to this card and the account fees almost seem discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATIONS ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Product: Mortgage

Mortgage with Wells Fargo Bank in XXXX for my home. Had to file ch XXXX bankruptcy on XXXX XXXX following a nasty divorce in XXXX. I completed the intent to re-affirm on my mortgage with my attorney and sent to the judge as well as to WF. Judge signed off on everything XXXX XXXX ; told everything was fine. XXXX XXXX loan officer from WF contacted me to refinance my mortgage ; completed paperwork and was stopped at underwriters dept stating that re-affirmation paperwork had not been completed/accepted and loan was discharged. After multiple conversations with the bankruptcy dept at WF and my attorney - no resolution was made. Filed a claim w/Attorney General 's office in XXXX against WF. Filed motion to re-open bankruptcy case requesting WF to lift the stay and report payments. Motion to re-open bankruptcy case was granted and on XXXX XXXX, XXXX appeared in front of the judge. Judge granted motion asking WF to lift stay and report all payments ( WF has not reported payments since XXXX XXXX XXXX as I have not missed any payments ( I have records of each pymt ). I can not refinance my mortgage ( to get it out of WF hands ) as my credit score is too low and with a mortgage accounting for more than 78 % of credit score ... I need WF to report my payments. WF has managed my escrow account this entire time - paying my homeowners/property taxes. I am being denied on loan request for my kids ' college parent plus loans, denied for auto loans ( unless I want to pay a ridiculous interest rate XXXX. My attorney believes that I have a lawsuit against WF, however I do not have the funds for this. I am just looking for some help to get this resolved - I have been fighting with this stupid bank ( HORRIBLE CUSTOMER SERVICE ) since XXXX. Any help with this matter would be greatly appreciated. I will attach all documentation ... please advise if you need additional documentation to proceed. Thanks Much!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX 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

On several occasions, I submitted disputes to Equifax concerning inaccuracies on my credit report. These disputes were filed on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each time, I requested that Equifax provide original documents to validate and verify the negative items listed on my credit report. 

Despite my repeated requests, Equifax failed to send the required documentation to substantiate the negative entries. This failure constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, at no point during these interactions did Equifax inform me of my right to opt out of having my personal information reported and shared, as required under 15 USC 1681i ( 7 ).

As a result of these violations, I am demanding the immediate deletion of all negative and inaccurate information on my credit report. This corrective action must be completed within 48 hours. Failure to comply with this demand will result in the initiation of a federal lawsuit to hold Equifax accountable for violating my legal rights and disregarding its obligations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit reports i noticed a few charges on my reports that i did not give anyone authorization to use my information. Please update my accounts and remove them from my credit report. This is a fraud, and it needs to stop!
Product: Checking or savings account

On XX/XX/XXXX of this year, I filed a dispute on a transaction where I was scammed for {$250.00}. I had went to purchase a pair of sneakers from a verified account on XXXX only to be blocked and denied a refund. I informed my Chime about this and also provided picture evidence of all of this. I was told it would take no longer than 90 days to complete a full investigation, which gave me a decision date of XX/XX/XXXX. I waited the full 90 day period, all the while checking in every month to see the status of my complaint. Come XX/XX/XXXX I received no communication and when I called in they said I would have to wait 3 business days to receive a decision. This happened 2 or 3 more times after that. Between the uninformed and redundant support staff and what seems like a very inexperienced investigation team I was denied after showing proof that a scam had been run and I had never received my items. Then in order to appeal they wanted to make me wait 10 more days to receive information they used in the investigation ; as well as up to 30 days more for the investigation to be run again.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring your attention to the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is crucial to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the " contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet. 

XX/XX/XXXX, 2020-receive email from Venmo stated that they " covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would " cover '' my funds to pay a scammer. 

XX/XX/XXXX, XXXXreceive another email from an " account specialist '' stating that " it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo. 

XX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with " Do any of these articles answer your question? '' Which did not assist me in any way. 

XX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf. 

Since the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well. 

The total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help.
Product: Credit reporting or other personal consumer reports

Im writing about the following data that appears on my credit report. Im challenging the validity of my record showing a debt that is recorded in their system under the FCRA, Fair Credit Reporting Act, Section 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit. 

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt
Product: Credit reporting or other personal consumer reports

I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with XXXX and Transunion. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Product: Mortgage

I have a 2nd mortgage. I had an insurance claim. the 2nd mortgage company held the insurance claim payments and required the contractors to provide a waiver of claim. I then had to pay the contractors out of my pocket for the work. The work was completed. The work has been complete for a long time. It took about a month for them to send and inspector and now it has been 2 additional months and they still have not released the funds. The original roof contractor completed the work 2 years ago and that was cleared by XXXX. But the loan was sold by Loan Care and they are holding the check because of them saying they do not have all the information and the roof contractor is no longer in business in my town. They are holding over {$17000.00} and the loan amount is {$16000.00} plus. They have all the waivers of claim from that contractor and the other contractors but they sitll will not release. I call almost daily and get the same song and dance corporate has to approve. While they are holding that money without interest they are charging me interest on the 2nd mortgage. If they would not have held the checks I could have paid off the mortgage with the funds I had to pay out of my pocket to get the work done.
Product: Debt collection

While I was checking my credit reports I found that the collection firm Caine and Weiner has a collection filed against me for a debt that is not mine. I've contacted the original debt holder XXXX and they confirmed that the debt was indeed inaccurate. XXXX informed me to contact Caine and Weiner since the account was transferred to them. 

I have contacted Caine and Weiner but they have refused to delete this inaccurate account from each credit bureau. Prior to me contacting Caine and Weiner, I never received any type of dunning letter or statement claiming that this debt was mine. I was never given a 30 days notice to contact the original account holder Caine and Weiner, nor have I received any phone calls. 

This account that was transferred to Caine and Weiner shows account history from XXXX XXXX, NV. I've never lived in XXXX XXXX, NV nor have I ever owned any of the vehicles that were listed on the account. 

Caine and Weiner has requested that I contact them directly but at this time I will not be providing Caine and Weiner any further information since they have mishandled someone else 's information that is similar to mine.
Product: Credit reporting or other personal consumer reports

Letter mailed XX/XX/year> from company stating I applied for credit for their product.Young XXXX XXXX
Product: Checking or savings account

I previously made a complaint about PNC closing my account without an explanation. Now the PNC bank is retaliating against me by holding all my funds and not allowing me to access my money. I have over XXXX dollars in my checking account and can not get XXXX dollars at the ATM, This is a very volatile situation, and I dont want this to escalate into a criminal situation. Please have PNC to release my money since they dont want me as a customer.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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: Vehicle loan or lease

Loan with XXXX XXXX for a vehicle in 2018 my principle continued to rise instead of going down with my monthly payments i fell into financial hardship and tried to reach out to the company for assistance I was told that i had no options and that my car would be repossessed if my payments were not made in full. This forced me to claim bankruptcy.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, AND 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 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, AND 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