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

Synchrony ( managing credit purchases for Amazon.com ) has a practice where if you have a promotional balance, they do not let you know explicitly what amount you must pay to avoid paying interest if you may another purchase. On multiple occasions, the most recent being the billing statement ending on XX/XX/20, Synchrony has deployed a deceptive practice where they are charging interest on amounts that are not transparent. I have attempted to resolve this with the customer service reps and account managers but all I get is " We are working on updating the billing statements to reflect this but the script hasn't applied yet ''. This issue has been going on now for several months and they are misleading consumers into paying interest.
Product: Credit reporting or other personal consumer reports

i've recently checked my credit report and noticedsome inaccurate accounts reporting XXXX XXXX XXXX claimed that i had 3 late payments. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Barclay 's seems desperate to charge me improper fees. 

Since I had problems getting Barclays to timely post mailed payments, I started paying online. On the due date, I log in, select due date as payment date, and pay. But then they post the payment some other day. 

Why do they allow customer to select payment date if they're not going to XXXX honor it? When I select a particular payment date, I rely on their implicit assurance that they'll actually process my payment on that date. There is no disclaimer that says, oh, we may choose to process your payment on some other day and your selection is essentially meaningless. 

Anyhow, I logged in on XX/XX/XXXX -- the payment due date, I selected XX/XX/XXXX as my payment date, and I made a payment. They even sent me a confirmation email stating that I had made payment on XX/XX/XXXX. 

I noticed something funny when I logged in. Although it was still the due date, they had already charged me a {$39.00} late fee. What the XXXX  is that? The day wasn't even over and they'd already charged me a fee that I did not yet owe. 

Today ( XX/XX/XXXX ), I received an email from them stating that my payment had been made XX/XX/XXXX. WHAT? That is false, I made the payment on XX/XX/XXXX. 

Please cause Barclays to : 1 ) Reverse the erroneous late fee. 
2 ) Go back and post my payment on the correct date, the day it was made, XX/XX/XXXX. 
3 ) Correct their aging so that NO LATE PAYMENTS are reflected in my account history. 
4 ) Cease and desist their fraudulent practice of posting payments day ( s ) after customer makes online payment.
Product: Mortgage

sale date XXXX XXXX notice from pennymac they say XXXX XXXX 2016 talk with XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I've requested this information and the company failed to provide me the information and responds with a request for more information of me.
Product: Debt collection

Portfolio Recovery is spoofing local phone number in an attempt to make contact with me. Today Friday XX/XX/XXXX at XXXX XXXX I received a call from XXXX. This number lists to XXXX Affordable towing. I called the number back as the caller did not leave a message. The person that answered said, " Portfolio Recovery. '' I went online to ask about the spoofing only to be disconnected from the online chat. Isn't spoofing a crime??
Product: Debt collection

On XX/XX/2018 I paid the debt in full. Yet, it is being reported as active by a debt buyer and the creditor, twice and they refuse to remove it from my credit report. It does not reflect correct credit history or that it is paid in full. I have the letter from the creditor stating it is paid in full yet, no one does anything about it.
Product: Credit reporting or other personal consumer reports

Submission Date : XX/XX/year> Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, Equifax, and XXXX verify the accuracy of the Dept. of Education/XXXX account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor.

2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
XXXX. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates. 
The account in question : - Dept. of Education/XXXX  ( Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation.

- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

When I looked at my online account balance on XXXX, it stated it was - {$200.00} ( meaning I over paid and was due a refund ). However, when I called to inquire about my overpayments, they told me I still owed {$150.00} on the loan. They claim to have no record of what I saw on my end, I sent the company a screenshot and explained that it was fraudulent behavior to have differing account balances due, they said I was looking at the wrong balance and should have been looking at another page. From my understating the account balance should accurately report the balance a consumer owes consistently on all pages, formats etc. There should not be differing balances due, that is in direct violation of the fair credit reporting act. 
Desired Resolution : Refund Desired Outcome : Account settled and reported as paid in full as agreed and a refund of {$200.00}.
Product: Credit card

On XXXXXX/XX/year>, I applied for a credit card, and I received a denial notice on XX/XX/year>. After reviewing the notice, I am requesting reconsideration of my application and further clarification of the reasons for denial, pursuant to my rights under 15 U.S.C. 1691, the Equal Credit Opportunity Act ( ECOA ), and 12 C.F.R. 1002, Regulation B.

According to 15 U.S.C. 1691 ( d ), creditors are required to provide specific reasons for denying a credit application. Additionally, under 12 C.F.R. 1002.9 ( a ) ( 2 ), this explanation must clearly outline the factors that adversely affected my application. Furthermore, it is important to note that under the ECOA and Regulation B, credit decisions can not be based solely on credit scores. Denying credit based solely on a credit score is a violation of these provisions, which are designed to ensure that applicants are fairly evaluated on the basis of multiple factors. 
In your denial notice, it was suggested that my credit score played a significant role in your decision. As such, I would like to emphasize that the use of a credit score, while a factor in the evaluation process, should not be the sole determining factor in the denial of credit, as per the regulations mentioned.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened at XXXX XXXX {$770.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

In order to REMIND the Experian Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit card

I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before, I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms, but insisted it was the " same '' card, something no reasonable consumer could determine. Despite repeated phone calls, escalation of my issue, and promises of a resolution and a response, I never heard back from anyone. On a call today with a supervisor, she acknowledged that they knew I was " ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry, despite having assigned a case number ), thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact, since the invitation was targeted and addressed to me, they could easily have determined that I was " ineligible '' according to their interpretation of the policy prior to sending the solicitation. I consider that a deceptive practice. If I had been properly informed, I would not have spent that amount of money on the card in the prescribed time and may have decided not to accept the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Credit report is still reflecting me as 2 late payments, still has not updated my new credit limit to {$2400.00} and even though I made a payment to lower my balance from {$69.00} down to {$30.00}, it has not updated to show that my current balance reported is {$30.00}. Please update because this will help boost up my credit score and will also keep my report up to date and accurate. Thank you.
Product: Debt collection

I am submitting this complaint to request the cfpbs agency help. Maybe through this chanel, I can be listened. 

American Express is committing multiple violations to the Fair Credit Reporting Act and to the California Credit Reporting Act. I want to mention some of them : 1. Reporting incomplete information.

2. Failing to investigate account.

3. Negligence Breach of contract Please forward American Express the attached documents. 

Thank you!
Product: Debt collection

This is an original account from  XXXX  ending in  XXXX .   The debtor,  XXXX   XXXX , is in a   XXXX   XXXX   XXXX   receiving   XXXX   and thus is not able to make payments or pay the debt at all.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXXXXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is our complaint in PDF. After reviewing this issue with my lawyer, we found multiple Metro 2 reporting compliance issues. We are requesting the inaccurate late payment to be removed or we will see Discover in court. XXXX and XXXX already deleted the account for violations against the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian is saying in attempt to aviod my initial complaint numbered ( XXXX ) against them directly by saying they investigated with the company the information while they are also admitting in the same breath under penalty of perjury of violating my privacy. My complaint is against experian directly for violating my privacy by not contancting me directly giving me the right and opportunity to ensure the information is accurate nor did they ask me in the intial investigation or reinvestigation if i consented to the transaction or report. Nor was i given the opportunity to opt out of the information being reported by the financial institutions. They directly infringed on my right to privacy per 15 usc 1681 ( a ) ( 4 ) as they have a grave responsibility to fairness, impartiality, and respect to my privacy. They have been so unfair they did not even know what was unfair until I said something inside the prior cfpb complaint number XXXX. Congress stated that experian assumed this role and Noone gave them permission and they must be fair. congress also states that the banking system is dependent on fairness and accurate reporting systems and agencies and if they aren't accurate they can hurt and destroy the banking system. Which they have not made me confident in going inside the bank to extend my credit anywhere. I've also been denied the opportunity to extend my credit. This has been a direct result also of defamation of character. They've hurt my consumer report by making false and fictitious statements being the non affiliated 3rd party in the matter per 15 usc 6802 and not providing me with the information or system used to give evidence that I was given clear opportunity to have the information not disclosed or given to them in the intial consumer credit transaction. We asked for this evidence and the reports be removed in the prior cfpb complaint # XXXX and, did not. just them further admitting to injury of me. Per 15 usc 1681 ( a ) ( d ) ( 2 ) ( a ) iii This is a direct breach of my privacy. I've also made notice in my prior complaint affidavits that they did not adopt the right procedures to meet the needs of commerce for consumer credit. Furthermore according to 15 usc 1681 ( a ) ( 2 ) an elaborate mechanism must be developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character and general reputation for consumers. Experian deceptive forms made creditors think I was in debt and did not properly prove the validity and if the debts were valid they created a false impression that I was not able to pay the alleged debts without having proper information or consent to reporting. As ive also shared the correspondence of said creditors in the attachments sections. Again ive been discriminated against and denied the right to extend credit. Ive also suffered emotional and fininaical hardships. Therefore experian is liable per 15 usc 1681 ( o ) if this request is accepted, I will not escalate this matter to the federal court. Deletion of the following consumer reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Also pay the attached invoice.
Product: Debt collection

I contacted   XXXX   XXXX   about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses  XXXX  ( an email verification system ) and can delete directly, however they refuse to do so.
Product: Money transfer, virtual currency, or money service

Please note that this complaint is against BB & T : On XX/XX/XXXX I attempted to transfer {$1500.00} from my XXXX XXXX account to my BB & T account. I tried to use my BB & T debit card on XX/XX/XXXX and it was declined. I checked my account and the tranfer had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from BB & T. I have transferred money before and this has never been a problem. 
I called the former bank to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be transferred from BB & T. According to the agent I spoke with, the transaction was cancelled. 
Fast forward to the XXXX and I am not showing the transfer in the XXXX XXXX account but I am still showing a negative balance in my BB & T account. 
I have called both banks numerous times. BB & T states that the transfer has gone through and that the bank that was supposed to originally transfer the funds has the money. This institution has no documentation or evidence that this transaction even occurred. 
Please note the attached screenshot that is the only evidence that I have. It shows the wrong transfer from BB & T to the original bank that was supposed to transfer the funds. 
It is very disappointing that, today, in 2021 a bank does not have the capacity to help its clients resolve such an issue. I have had a negative balance in this account for over a week BB & T has no recourse to offer.
Product: Credit reporting

equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$4300.00} XXXX XXXX {$250.00} XXXX/XXXX  XXXX {$48.00} XXXX XXXX XXXX XXXX {$45.00} XXXX XXXX  XXXX {$960.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2300.00}
Product: Money transfer, virtual currency, or money service

I have been sending tonnes emails contains below details but has been ignored & not resolved! 

XX/XX/2021 i have transferred my XXXX voyager token  from my Coinbase wallet to my Coinbase exchange account. But this time my token not transferred it has gone missing. I have reported to coinbase exchange. As return respond it was generic email that i was upset with most trusted platform with that response. Claiming token wasnt supported ( i have evidence that it was ) otherwise how could i be able to copy paste receiving token details & and do the process.it does not make sense. I have all the copy & evidence it was. Coinbase try to claim voyager token was supported by Coinbase pro but it wasnt otherwise I would transfer to pro instead i have pro account too. It was available to receive from Coinbase exchange. I know was not available to purchase but it was available to receive which where i was copy paste the address. Also Coinbase wallet ( where i kept my voyager token initially ) sent me email to confirm it has successfully transferred or sent. 

I look forward to receiving my token either back to my Coinbase wallet or Coinbase exchange. As a US citizen I believe American most trusted crypto platform will take this matter seriously & take action to fix my issue as regular customer Input : in last 2 weeks i have transferred successfully my other XXXX crypto tokens from Coinbase wallet to coinbase exchange account which was XXXX token & XXXX tokens. Reason i am saying this because im not new to system which is i do this type transactions regularly & successfully until this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Consumer Loan

Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Debt collection

Debt collector disclosed that they were trying to collect a debt to my long time ex-husband and told him they were trying to collect a debt even though they have my information.
Product: Credit reporting or other personal consumer reports

Please explain why XXXX point for just using a credit card, when it is under 10 % utilization and always paid in full..? This makes no logical since to deduct a point.