23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with SYNCB/NETWRK was never late! I have had exceptional payment history witH SYNCB/NETWRK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> 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 d
ays before the payment due date.

SYNCB/NETWRK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I XXXX XXXX XXXX XXXX give Navient the authorization to respond to this complaint. 

Navient was asked to send specific documentary evidence the Original Promissory Note, Account Ledger, Books, and Records of where the account was funded the Audit Trail and whom that money was sent to because I never physically touched any check or money to pay for any education also Navient is operating and collecting information and disbursing information on an expired OMB No. They have no extension or new filing for the promissory note this information was obtained from reginfo.gov which I've added to my exhibits of unfair practices to collect information and collect on an alleged debt. Also I am revoking my alleged agreement be sold to a new company I do not give my consent for Aid vantage to obtain any of my personal documents or public documents social security number alleged agreements etc. I advise Navient to XXXX out all accounts and leave it in good standing if they can not produce the Original documents signed by the two parties. Navient also lied to me and said they are a government entity when they are in fact only a servicer third party to the government entity!
Product: Debt collection

XXXX XXXX it doesnt provide the date, but the amount of XXXX. Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities.

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete.

I kindly request that you provide the requested information within 30 days from the date of this letter. Failure to do so will be interpreted as an admission that the debt is invalid, and I will take appropriate legal action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my XXXX credit report XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX PROSPER/XXXX inquired XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ( Original Creditor : ) XXXX
Product: Credit card or prepaid card

On Monday, XX/XX/2023 I went to a dental implant called XXXX XXXX XXXX. They had me fill out an application for a loan. I was approved for {$3600.00} dollars. but I was not approved for additional funding. the procedure was {$45000.00}. So my husband and I decided not to get the treatment that same day. Later that month, I received a bill from XXXXXXXX XXXX for {$3600.00} stating I owed that amount and must make a minimum payment of {$65.00}. I called them immediately on XX/XX/XXXX or XXXX to ask them why are they charging me this amount since I never had anything done. They said to call XXXX and tell them to correct the charges. Now XXXX XXXX has reported me to the credit bureau as a late payment while they are investigating a dispute I filed with them.
Product: Checking or savings account

I open BMO checking account on XXXX. My spouse too open his new BMO checking account on that same day. On XXXX, I was trying to pay his credit card using my Bank account and it came as an authorization to my account. I was not able to use my account for transferring my funds and bill payments. I called Customer Service and they connected me with Fraud department as this account was put on hold. I explained this situation they told me to wait. They made this account to Credit Only which I'm aware my salary kept credited to this account. Which means Money can come to account but I can not take my money out! This is not explained to me. If explained I should have stopped my paychecks immediately atleast. Solution they gave me finally to add my spouse to my account. After back and forth long calls, finally the agent name XXXX helped us with adding my husband to account on XX/XX/XXXX. When I called fraud department again Agent spoke very rude can not assist and they dont see my husband added and hang up. Again I spoke to agent she said it will take 3-5 business days when I asked about my bill payments and Mortgage, she said she can take a note of those transaction and help clearing it. My XXXX mortgage payment went through on XX/XX/XXXX. My XXXX XXXX credit card payment came in and they rejected it saying its Frozen account! My XXXX XXXX credit card now charged me with Reversed payment fee XXXX $ and there is going to upcoming fees for Interest, late fees. And blocked my credit card as I dont do the payment. When I call your agent on Sun XXXX XXXX, it was told me they will help to resolve the issue and even connect with XXXX credit card department on Tuesday XX/XX/XXXX. On Tuesday when I called it was told to me same story about the account on hold. I explained them again on the bill payments that needs to go through but rejected. She connected to my XXXX department and the agent on the line was so rude. She said its not guaranteed we will approve your transactions and its a COURTESY!! She hang the call while I was speaking! 

Last 3 weeks I was undergoing this type of stress with opening a checking account with BMO, my credit card blocked, my billing payments all on due, can not use my money. And BMO saying they are doing as a COURTESY!
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX60 Performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

I do not owe money to this specific company. I never conducted business with them.
Product: Mortgage

Dear Freedom Mortgage, Your demand for {$2100.00} shows that you failing to credit moneys received. This brings the amount moneys you have demanded in the last 27 days to XXXX. Based on you letters and your actions it is your goal to force property in to foreclosure to incur fees, cost and other amounts that you see fit to impose, so you may profit  from the foreclosure of loans and property. It is very clear that your company want to refinance this loan, the contestant barrage of mail to refinance and the calls to my employment to solicit me to refinance this loan. Assuming 3 days for mail your letter was not mailed before Wednesday the XXXX of XXXX, whereas the XXXX was a Sunday it is doubtful that the letter was written on the XXXX. I find your company actions to show that your employees are without integrity. 
Freedom Mortgage shall provide an accounting of all funds received and dispersed from the inception of the loan showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor- XXXX XXXX- Amount of Dispute- $ XXXX- Medical- Hospital bill after my XXXX XXXX  XXXX XXXXXXXX I have insurance and told them all the information and to go after them ... XXXXthey didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a bad XXXX ... .Thanks
Product: Credit reporting or other personal consumer reports

equifax claims that these account have been verified In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 provide the names and business addresses of each individual with whom you verified the information so i can follow up. Please send me an updates copy of my credit report after your reinvestigation account XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX
Product: Mortgage

My mom passed away XX/XX/XXXX without a will. I hired an attorney to help with the probate process because I wanted to keep the house. After probate I bought my siblings out and was sole owner of the house. I refinanced the house so I could own the house. This was closed XX/XX/XXXX. My payment was XXXX. Now, my payment is XXXX starting XX/XX/XXXX. I CAN NOT afford that. I have called my loan agency and the county and there is nothing that either agencies can do. Seems there was a miscalculation when ( I dont know who - county/loan people ) assumed my taxes/insurance would be the same as my mom at XXXX monthly when in fact they seem to be at XXXX monthly. 

Im unsure what to do, it has not even been a year since I own the house and Im already unable to pay. When I was diligent to sign a loan I could afford. Any help, guidance, suggestions please. I dont know what Ill do come XXXX.
Product: Debt collection

On XX/XX/2022 I sent a validation letter to AR Resources regarding an account. I requested that this company send me proof that I owe them money regarding this account. The amount of this account is {$620.00}. 

On XX/XX/2022, I received a letter that contained a bill. This bill did not prove that this debt was mine and that I owed this company any money. 

On XX/XX/XXXX, I sent a failure to validate letter to AR Resources ( via certified mail ) ; requesting that AR XXXX, validate the debt they claimed I owed for a second time because they failed to do so the first time and within 15 days. 

On XX/XX/2022 at XXXX AR resources received my letter. Today is XX/XX/2022 and I have yet to hear or receive anything else regarding this account. " Estoppel by silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for these accounts to be deleted.
Product: Credit card or prepaid card

In XX/XX/XXXX we purchased furniture from XXXX in XXXX, WI. The total cost was approximately {$8000.00}. We opened a house charge account though XXXX XXXX  to finance the purchase and take advantage of 0 % interest. The account is in my wifes name. 

Over the next few months we paid down the account while waiting for the furniture. Each time a piece was delivered it was defective. I can provide more details if needed. XXXX sent technicians to verify the condition ( but in the case of our dining room table, it was so badly damaged upon delivery that the driver started the process for us ) and replaced the damaged furniture with pieces that were either also damaged or just fell far below the advertised quality and the price we paid. 

In XX/XX/XXXX we threw up our hands and sent everything back for a full refund. But we still do not have our money! Our charge account shows a XXXX balance but theyve not yet sent us the money we paid, which was over {$6700.00}. The customer service call center is overseas and my wife, who has spent hours on hold or on the phone, has legitimate concerns over whether they understand the need to refund our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have noticed my XXXX  score is 50-60 points lower than my other bureaus. I then noticed that Navy Federal Credit Union ( NFCU ) is reporting that my first date of major delinquency is reporting asXX/XX/ and is still reporting as open. The account seems to be updating monthly as a new delinquency sincXX/XX/. This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with XXXX ( see attached dispute ) and received the results as accurate onXX/XX/. I called NFCU on XX/XX/and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through XXXX and not NFCU. I then called XXXX and was told the opposite and that NFCU verified the dates. I feel NFCU is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through XXXX  that were returned as verified. There is also an image where NFCU is reporting the first date of major delinquency as XX/XX/XXXX and as open.
Product: Credit card or prepaid card

Yesterday when I checked my online credit card account with Chase, under my " pending '' transactions I had a {$910.00} authorization from XXXX XXXX  which I was fully ok with, and we all know that ALL " pending '' authorizations are subtracted from your available credit.. and the same holds true for when a " pending '' authorization that is no long listed under " pending '' or " posted '' should be added back to your available credit, yet this morning when I check my online account the {$910.00} " pending '' authorization was gone and was not " posted, yet my available credit was not adjusted. I spoke to Chase 3 times 1 of them a 3way call with Chase and XXXXXXXX, On all three conversations with Chase I was told that the {$910.00} authorization is still " active '' and reducing my available credit, I was told that is on their " screens '' and I responded with " the authorization is not under my " pending '' or " posted '' transactions so why is it still reflected in my available credit, and how can I reconcile my account and my available credit when the entry is missing from the information listed on my online account. They apologized to me, but could not give me any answer to my response.

Summary This is totally unacceptable and I believe " deceptive '' banking practices if not fraudulent. I am sure it is a consumers right to be able to " reconcile '' their " online '' credit card account at any time day or night by using the information listed on their " online '' account, this morning I could reconcile my " online '' account with the information listed on my " online '' account or should I say with " invisible '' authorizations that ONLY exist on " Chase 's screens ''
Product: Debt collection

Company is reporting multiple accounts on the same dept that ca n't be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. It has already been removed on the other bureaus. Please remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX