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

I have had and continuously used the " Guitar Center '' credit card financed by Synchrony Bank for years and have always paid the account on time and managed the account online with the exception for one time that I paid it a day or two late and called Synchrony Banks customer service number to get the account paid immediately and they also waived the late fee. Recently I have noticed that Synchrony Bank, ( through whom I have several other open credit cards and in store credit cards with, and all which have been managed and paid on time ), have adjusted their websites when you log in to manage accounts to solicit you to accept digital paperless emailed statements. I NEVER selected this option and NEVER arrange for email statements as I get an average of over 100 emails a day and don't have the time to flag or sift out any potential email statement form teh several creditors that i have accounts with. Well, last month after I logged in to pay my Guitar Center account, apparently they arbitrarily switched me over to paperless statements and because of that, I missed my payment due date of XX/XX/21. So when I get an email warning me that my account is past due. I call them immediately to find out why and after dig up my previous paid statement and confirming with the customer service agent that my account was switched to paperless billing, I demanded that it changed back and that the late fee be waived as this was NOT selected by me. I also asked to be transferred to a US based manager which I eventually was after being disconnected and had to call back and start all over again. Now completely irritated, I was finally connected with a US Based agent who reluctantly waived the late fee and accepted my payment of {$60.00} over the phone and then she also disconnected my call after I demanded to speak with a corporate level manager as to why my account was switched to paperless billing without my knowledge or permission. At which point, my call was irresponsibly disconnected again! Little did I know that this agent also processed a closure of my account! Of which, I did not request. And now, after 3 days of phone call attempts, I can not get a hold of anyone in executive level consumer relations to determine both who and why exactly my account was discriminatorily closed or, why they are unable to re establish re-opening of the account. I did just a little online research and, have found and enormous amount of current lawsuits, class action suits, and extremely bad reviews against Synchrony online for this same reason as well as several others. I need help with this matter and am looking at the very real possibility of this going to court. How can you help?
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reporting things on my credit I didnt agree to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not remove all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX addresses are inaccurate because I do not live there, and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Student loan

I got approved for the SAVE program XX/XX/24 I have 0 payments until next year. Yet i keep getting messages of missed payments and a past due amount of XXXX ..... They was supposed to update anything outstanding.FIX THIS
Product: Mortgage

On XX/XX/XXXX I sent Newrez an insurance check of {$5300.00} to get endorsed so I can pay for the repairs on my house. This was sent 2 Day Priority Mail by the USPS. Shellpoint who handles Newrez 's Loss Draft Department has refused to endorse the insurance check due to the differences in the amount of the check which is less than the adjusters estimate.The adjusters estimate was {$7400.00} minus the {$500.00} deductible. My insurance company is XXXX XXXX XXXX XXXX XXXX issued payments of {$1600.00} and {$560.00} first. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called Newrez and spoke with the Shellpoint staff regarding required documents. On XX/XX/XXXX I spoke with XXXX a customer service representative from Newrez, and she told me to send the documents to XXXX. Then on XX/XX/XXXX I called and spoke with XXXX from the Sellpoint Loss Draft Staff. He told me they have the required documents and my check was submitted for endorsement and shall receive it in XXXX business days.I told XXXX I am abroad and I provided him with a number in case any issues arise. Today XX/XX/XXXX contacted Newrez and spoke to the XXXX of the Shellpoint Loss Draft staff and she told me the documents were not satisfactory and I will need to sent them again. Also that the check was sent back to my home without an endorsement. She provided me with a portal to submit the documents instead uf using the email address. This company provided numerous obstacles to prevent the insurance check from being endorsed so I can repair my home. Due to Newrez unwillingness to accept the documents they requested and now demand other documents to previously not previously requested will cause a 3 week to a month delay in processing before I can arrange for a contractor to start work on my house. The house has missing drywall due to the damaged walls. This is causing discomfort to my daughters because the insulation of the house is affected. More details available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to let you know that the information you report are different from each other. There are accounts that you are reporting as late when it is not truly late compared to other Credit Bureaus. When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts and I need you to have them corrected. ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$320.00} XXXX XXXXXXXX Balance {$0.00}
Product: Student loan

I have a loan through Mohela and have been placed on Administrative Forbearance for several months so I am not allowed to make payments on my loans and this doesn't count toward PSLF. This is absolutely ridiculous. They had over a year to get their paperwork together while my loans just sat there over COVID and now I want to make payments to help decrease the amount of interest accruing BUT I CAN'T. This is a completely unfair practice. I did not agree to this when making my loans.
Product: Vehicle loan or lease

I was impacted severely by the current pandemic, suffering severe medical issues and unable to make payments until now. I called in, requesting a payment plan to make the loan current and catch it up and even pay it off. I requested this under the CARES ACT which should have spared my credit report from being negatively impacted as well. USAA refused to allow me to bring the loan current and correct the negative reporting on my credit reports, refused to make any accommodations and requested I go online to file a credit dispute. However, my USAA online account was restricted by USAA previously and I've been unable to log on to make payents, see my account number, amount due or really do anything with the loan. I've always been required to call in to make payments during their business hours, which due to my health issues I've been unable to do. Now they are telling me, there's nothing they can do the loan is charged off and there's nothing I can do to protect my credit and make it current in accordance with the CARES ACT.
Product: Debt collection

XXXX I have sent numerous emails and made several phone calls to prevent the inaccurate reporting of this loan start date to both Dividend Finance and Ion Solar XXXX 
XX/XX/XXXX to XX/XX/XXXX, I had a worthless system as the electricians were unable to connect to my home. XXXX different electricians worked on this install all reporting incorrect plans and supplies which led to delays from XX/XX/XXXX to XX/XX/XXXX when the wiring was completed. The loan start date was set at XX/XX/XXXX instead of XX/XX/XXXX. 

XX/XX/XXXX I sent a check for the entire principle amount and interest from XX/XX/XXXX through XX/XX/XXXX. Check # XXXX for {$49000.00} full payoff of the loan was received and cashed by Dividend Finance on XX/XX/XXXX. 
XX/XX/XXXX Dividend made an unauthorized draft of {$53.00} ( the disputed interest ) from my checking account. ( I canceled all draft authority from the company when check # XXXX cleared on XX/XX/XXXX. ) XX/XX/XXXX XXXX  XXXX added an open loan to my credit causing my credit rating to decline again. 
XX/XX/XXXX I called XXXX  to request they stop calling me. Requested all communication be written. At that time the customer service rep told me the dispute I filed in XXXX had been escalated XX/XX/XXXX. I told her to make sure to note that I have been harassed since XXXX regarding this bill and if they didnt stop I intended to file a complaint with the Texas Attorney General. 
XXXX I have received system generated collection emails several times a week instructing me to pay the outstanding balance. I received a collection letter in the mail XX/XX/XXXX and again in XXXX demanding payment. 

XX/XX/XXXX I received notice that my credit rating dropped XXXX point overnight because XXXX XXXX report me as a delinquent. The loan was paid off XX/XX/XXXX. I have been disputing 5 days of interest charges since XX/XX/XXXX. In my call to them this morning it was confirmed that the dispute was not officially filed on their system. They have been harassing me since XX/XX/XXXX when an unauthorized debit was taken from my bank account for the unearned interest. 

I would like to officially register a complaint for this harassment and request my XXXX XXXX be restored to the excellent standing ( XXXX ) I have had for decades! No late payments on my record! The review of the loan has not been submitted to management according to XXXX at XXXX XXXX as of XX/XX/XXXX. I have spent dozens of hours on the phone to Dividend trying to resolve this and get no response. I don't know what else I can do as they singlehandedly destroy my XXXX XXXX over XXXX XXXX of disputed interest charges that they refuse to discuss with me. I have been put into the system generated collection process with NO ATTEMPT to answer my ongoing appeal.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed this fraudulent account on my credit report. This fraudulent account was removed from my credit report XX/XX/year> and then they add the fraudulent account back in XX/XX/year> onto my credit report they did not notify me that this fraudulent account was going to be added back onto my credit report.. Please remove this fraudulent account from my credit report because its hurting my ability to purchase a home for my family. Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX-XXXX  Date of Transaction : XX/XX/XXXX Disputed Amount : {$32.00} Dear Sir or Madam : Please be advised that I am in receipt of your letter dated XX/XX/XXXX, concerning the above captioned dispute. In my original complaint and also the attached questionnaire provided by Capital One and filled out by the card member, the merchandise/food order was never delivered successfully. As mentioned previously, the delivery driver XXXX was rushing and dropped the plastic bag of food in Styrofoam containers on the outside sidewalk. The order was refused and the driver took the order back. 

The order receipt was never signed for by anyone and the information provided by the merchant under " customer details '' does not even list the correct name of the card member, it has a name listed as XXXX XXXX XXXX.
Product: Checking or savings account

Navy federal has been charging me overdraft fees for years when they let payments go through when I didnt have money in my account. Also, when I receive XXXX payments I have to wait 3-5 business days for the funds to be available when using XXXX the funds are usually available within minutes. I have called numerous of times about this and they can never give me answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 credit inquiries were on my report yesterday, XX/XX/2023 from car dealers. I am not shopping for a car. I want those inquiries removed and a fraud alert for the person trying to get a car in my name. XXXX said I need to file this report to get them removed. Thank you.
Product: Credit reporting or other personal consumer reports

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification.

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing.

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.
Product: Credit reporting or other personal consumer reports

These lenders have accessed your credit file : Please remove all inquires from my credit report there are effecting my credit score. 

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 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 XXXX
Product: Credit card

Citi Bank Thank You Credit Card Raised Interest rates as follows WITHOUT ANY NOTIFICATION XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX : XXXX Without notice or anything via email or mail- They raised the interest on all charges
Product: Student loan

I received an email from Nelnet Student Loan Servicing in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next 1-2 billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under 4 % ( 3.74 % ) to 7.75 %. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a 2 % reduction for 48 months of on-time payments. I was also to receive a .25 % reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the 7.75 rate should be reflecting that 2.25 % incentive. She turned the matter over to researchers for further investigation and said someone would contact me within 2 weeks. They did not! So I reached back out again and inquired. They still could not give me an explanation & turned it back over to " research. '' Eventually after multiple inquiries, they did put the .25 % incentive back on, bringing my interest down to 7.51 %. One representative told me that the reason the 2 % dropped off because I made a " late payment '' in XXXX. However, this makes no sense if the on-time payment requirement was for 48 consecutive months. I asked for a detailed payment history. They sent me statements dating back to XXXX and there were no late payments reflected. Furthermore, if they only have payment history back to XXXX, how would they be able to find a late payment in XXXX. I would really appreciate this matter being investigated promptly as I am looking to consolidate my loans via the Direct Consolidation program, at which time the interest rate will be locked in at my current rate, which should be 5.75 % and not 7.75 %. Thank you.
Product: Checking or savings account

Truist Bank promises a promotional offer of {$400.00} for certain checking accounts if the user completes at least two qualifying direct deposits, totaling {$1000.00} or more within 90 days of account opening. I completed those criteria, but was denied the reward.
Product: Debt collection

XXXX  XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and had an ex employee have a garnished judgement against them. I sent in the court requested information which they claimed to have not received. They then went ahead and sent a letter threatening my company saying my company would be liable for the entire debt if I did not respond. I contacted them and told them the employee no longer worked here to clear it up but they continued to blame me and my business instead of holding the person with the judgement or themselves with responsibility. I'd like to also state that they clearly do not know or follow the laws for debt collection considering they should know that the person did not earn enough to even have a significant amount garnished as there are limits on this. This was also over medical debt, which I have even had run ins with them in the past trying to skirt rules and laws.
Product: Credit card

I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. 
However the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). 
Although it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. 
Please see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/31, I was in contact with a person selling a ticket to the XXXX XXXX game in XXXX. After texting and talking on the phone for a few hours, we agreed that I would send him half of the money ( {$600.00} ) for the ticket then he would send it before I sent the remaining {$600.00}. After I sent the money he blocked my number and blocked me on PayPal. I reported the transaction to both PayPal and my bank ( XXXX XXXX ) and they both denied the claim stating it would be a loss to them.
Product: Vehicle loan or lease

XXXX # XXXX in the name of XXXX XXXX & XXXX XXXX. XXXX XXXX is my EX spouse. Wells Fargo is showing this account past due in accurately on all XXXX credit bureaus. For XXXX XXXX XXXX it shows late XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. For XXXX it shows late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter attached shows the car was paid in full XXXX therefore it could not be 30 days past due in XXXX XXXX. However the biggest issue I am facing is the address listed on the account is XXXX 's address. I requested numerous times via phone and mail for Wells Fargo to send me bills, and commuincations at my address since I am listed on the account. The only time I received communications at my address is after the loan was paid in full and I began disputing the late payments with them. Any phone contact received from them to collect payment were made to me only after not being able to reach XXXX for payment and were always 30 days past the payment date. I made numerous attempts to request I be contacted by mail and by phone. Their inaccurate information and in ability to update the account has harmed my credit report. I am attaching a copy of the paid in full letter addressed to me but not sent to my address and never has been my addresses ever. The only reason I got a copy of this report is because I demanded a copy of it from XXXX. I requested the same letter from wells fargo and was told that it was already sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.