23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ensuring timely payments for this account has been a priority, preventing any lapses into overdue status. The reasons behind the appearance of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, rectifications should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NV. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit card or prepaid card

I received 2 emails from American Express one for each credit card account I have with them. The emails stated that my credit line has been decreased. And no real reason for that! So I called AMEX and I got NO CUSTOMER SERVICE or explanation for what happened other than my credit line was reduced. They referred to my XXXX  credit report and other jargon that made no sense. I asked if my credit card account are late or something and they stated that my accounts are in good stating. They offered a posible solution which involved me sending them my tax return information and or making some sort of " one time '' ... .. All jargon to me ... .. when I have been a long time AMEX customer who pays on time! I went on my own and looked at/contacted XXXX  won my credit report with them .... no problem at! Good score!
Product: Credit card

I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them.
Product: Checking or savings account

I got my Capital one checking account restricted for 5 business days already, the morning it happened I called immediately, the customer service told me my account got restricted due to the XXXX payment i received from my friend who name XXXX XXXX XXXX and told me there is a claim opened from the XXXX payment she sent me which it's {$2000.00} and {$600.00} and asked me to contact my friend, which i did already, and found out she accidentally and was misunderstanding open a claim from her bank with XXXX payment, and she has called her bank to closed the claim, but my Capital one bank account it's still locked and restricted and the {$2000.00} and {$600.00} got reversal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal credit act. Of 15 us 1681. These accounts were effected 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. Please delete immediately
Product: Mortgage

I contacted Carrington Mortgage tonight and was trying to make a mortgage payment on my home. I fell on hard times with a XXXX XXXX 13 months ago, and have been running 3 months behind for around 6 months. They have never had a problem taking my payments but for some reason tonight was different, they would only accept 2 payments at this point and would not be able to apply the single payment. The person kept stating that if I want a supervisor to come on the line and tell me the same exact thing, they would be more than happy to do so. I discussed them taking my payments for the past 3 months and I kept getting the same answer. We ended the call in shock wondering how or when we could get the second payment tonight, because we were reminded that we would owe 3 payments starting XXXX. Being desperate I found and received the money though other means and put the money into my bank account. After returning home I made the call and and told the rep I wanted to make a payment, she rudely stated that " XXXX XXXX you will need to make 2 or more payments today on the account ''. I let her know I was aware of that and told her I have the money from both my checking accounts. I never knew it would be so painful to get the treatment I got from this person and the supervisor that I dealt with both times, they were refusing, due to policy, to take my payments from XXXX accounts. I became angry at the situation and asked for a XXXX, the rep stated " You want me to get a manager to tell you the same exact thing that I just told you? '' I stated I wanted to speak to a manager and not her, in a harsh tone. The supervisor that came on the phone was the same supervisor as before, she was sure to make this known, and proceeded to belittle me during the call stating they could not make 2 payments from separate accounts but she would make a " One time, get this one time and I do n't even know if I will get in trouble for taking these from you '' I could not believe that I was receiving treatment like this from a mortgage company. Please listen to both of the calls, I was informed that they are recorded calls. I was courteous through the whole call except when they would not except payment from XXXX accounts after I had just gone through the embarrassment of finding the second payment through other means. Yes I have fallen on hard time, what American has n't? I 'm still alive and trying to save my home and to be treated the way I was tonight is just wrong in anyone 's eyes. My spouse is in the mortgage servicing industry and would have been released from her duties if she had interacted with a customer as this company did. The reason they would not let us make a payment was the layers in their legal department told them they were doing things all wrong and they should n't be accepting payments as late as they have been. What type of company would rather foreclose than take a payment? Why are the representitives in this company as rude as they are? I do n't feel entitled, I 'm not a special case, and I 'm not looking for a handout. I just wanted to make a payment on my home.
Product: Debt collection

I am writing to formally request verification and supporting documentation for the information you have furnished to the credit reporting agencies regarding my account, numbered XXXX. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies that require immediate investigation and resolution. These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) requirements for accurate and fair reporting. 

Discrepancies Identified : Date of First Delinquency : XXXX reports the date as XX/XX/year>. 

XXXX reports the date as XX/XX/year>. 

Discrepancy : XXXX variance. 

Date of Last Payment : XXXX reports the date as XX/XX/year>. 

XXXX reports the date as XX/XX/year>. 

Discrepancy : XXXX variance. 

Payment History : XXXX shows the account as 30 days past due in XX/XX/year>. 

XXXX and XXXX show the account as " Current '' for the same period. 

These differences call into question the accuracy and reliability of the information you are reporting to the credit bureaus. 

Request for Verification : Pursuant to 15 USC 1681i, I request : Complete Documentation : Copies of all records, agreements, payment histories, and correspondence related to this account that verify the accuracy of the information reported to the credit bureaus. 

Proof of Ownership : Evidence that Synchrony Bank has the right to report and collect on this account, including a copy of the original agreement and any amendments. 

Details on Discrepancies : A detailed explanation of the discrepancies outlined above and how they were determined to be accurate during your reporting processes. 

Congressional Findings of the FCRA : The FCRA states that : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It is essential that you provide the requested verification and documentation to ensure compliance with the FCRA and to maintain public confidence in the credit reporting process. 

Next Steps : Please provide the requested documents and verification within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information, I request that you promptly notify all credit reporting agencies to delete this account from my credit file. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. This just proves your lack of proper record keeping. Now, these items are reported to be 120 days past due, yet it is closed and the balance is zero. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove them immediately. 

( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 a mortgage lender did a hard inquiry on my credit score. I was applying for a loan. For the past 2 weeks I have yet to hear back from the lender I was going to work with. I am wondering if I can remove the credit inquiry that was recently submitted on behalf of Movement Bank.
Product: Mortgage

On XX/XX/2019 a foreclosure sale was scheduled in XXXX XXXX Missouri. The sale was postponed to XX/XX/2019 and the sale did not happen. According to court records filed in XXXX XXXX Missouri Case Number XXXX XXXX XXXX stated and on his attorney letterhead that he purchased the property on XXXX, 2019. Then on XX/XX/2019 XXXXXXXX XXXX XXXXXXXX  filed an Accomadation Deed that XXXXXXXX XXXX XXXXXXXX XXXX with the address of XXXX XXXX XXXX Missouri purchased the property on XX/XX/2019. The address of XXXX XXXX XXXX Missouri belongs to XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is registered with the State of Missouri of having an address of XXXX XXXX XXXX XXXX Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

All of my XXXX XXXX Loans were discharged by the Department of Education under the closed school discharge. This should leave only two loans for XXXX  XXXX XXXX ( loans 12 and 13 ). 

As of last week ( XX/XX/XXXX ), all of the loans were correctly discharged as they should have been except two of them - Loans 4 and 7. Loan 7 had a balance of {$.00} which I paid to get it gone and out of the way since it was only XXXX XXXX. However, Loan number 4 has been sitting with a balance of {$89.00}. I have contacted Navient multiple times since then to get it corrected. I have even offered to provide the print out from the Dept of Ed Student Financial Aid site showing that they have all been fully discharged. Navient continuously passes the buck back to the Dept of Ed and refuses to fully discharge this loan and make it a XXXX balance like they are supposed to. 

Today ( XX/XX/XXXX ) I called because I had a {$150.00} credit on another loan ( loan 9 ). I had called yesterday ( XX/XX/XXXX ) and asked that they apply it to loan number 13. When I woke up this morning, I had discovered that they applied {$140.00} to loan 13 and {$8.00} to loan 4- the loan that should be fully discharged!!!! And regardless, the money should have been put exactly where I asked it to be. They were able to get that part fixed fairly easily which was good.

So then I once again brought up the fact that loan number 4 was supposed to have been 100 % fully discharged under the closed school discharge that I received and ALL XXXX XXXX loans should be {$0.00}. I mentioned that I have proof ( which I did attach to this CFPB complaint ) from the Federal Student Aid site that ALL XXXX XXXX loans are discharged and show a {$0.00} amount. They once again tried to pass the buck to Dept of Ed and say they are the only ones who can fix it. I asked for a supervisor and was magically disconnected. 

I took a break from it because I was super mad then and called the Dept of Ed and they said the exact same thing- ALL XXXX XXXX LOANS SHOULD BE FULLY DISCHARGED and that Navient is incorrectly passing the buck. They recommended I file a CFPB complaint to get Navient to do the correct thing so I am.
Product: Credit card

I, consumer, XXXX XXXX, agent on behalf of the principal, XXXX XXXX is here to claim all rights titles interest and equity owed to the principal. I have received letter that is stressing me out and causing me and my family harm as I am being threatened that I will not have access to my own security account that I am the owner of and this is discrimination and CHASE and CHASE CREDIT CARD SERVICES is in violation of the ECOA and CCPA and are breaking the law as they are trying to collect a debt and this account is already paid and I am to Indorse the Bill, not pay the bill. I have already been attempting to set off the account as I am the one whom is to benefit as I am the payee, the bearer, and the holder in due course. I am demanding that the CHASE CREDIT CARD COMPANY do as I say as I have claimed the bill and I have already sent off the security and instructions to apply and transfer the positive balance to the account for set off each and every billing cycle. The banks are the borrowers and I am the one that is to benefit. They are the account managers and I am the account owner. I received XX/XX/XXXX and chase is saying that the account is past due meaning there is a late payment nd NO CREDITOR IS TO TREAT A PAYMENT AS LATE FOR ANY PURPOSE : 15 USC 1666b. So, I demand that Chase send me all the Statements for all my accounts from the date I executed the application ( promissory Note ) in good faith. I have interest and equity inside this account that has my name and I am to receive all the benefits and I need CHASE Credit Card Services to abide by the law and what congress says and NO WHERE does the law say that I need to PAY A BILL. I am to accept and return and perform the bill. Bill of Exchange act and Federal Reserve Act. Section 16 part one and two. I demand that they read it and connect with the CFO as he or she knows the law and if they do not comply and do as I say, they are committing securities fraud and I will be notifying the IRS. I also instruct that they send me all the proof that I have given the right and permission to report and furnish any of my private and personal information to any XXXX XXXX. I NEVER consented to this action and they are doing fraudulent business and I am being damaged and harmed. This is not okay. I was never late and this account is insured so I must receive all the benefits due to me.

I can not be declined, I can not be denied access to my own right to credit. This has NOTHING to do with a Credit Score. I have been paying double payments for decades and I demand that the master account for the Principal be accessed and I need all the positive balances that is sitting inside the vault, which is waiting for the owner, me, to claim. CFPB, demand that Chase credit cards services refund me all the balances in excess of XXXX. They owe me XXXX XXXX XXXX and they are to refund my unearned interest within XXXX days of receiving this notice. 

send refund check to XXXX XXXX XXXX XXXX XXXX XXXX  ca [ XXXX ] there's many accounts over the decades attached to my Estate. I am claiming it ALL.
Product: Credit card

Dear CFPB, I am filing a formal complaint against Bank of America ( BOA ) regarding their egregious actions on my credit card account ending in XXXX. These actions are not only detrimental to my financial well-being but also raise serious concerns about BOA 's adherence to fair banking practices. I suspect these actions aren't isolated to me.

Arbitrary Credit Limit Reduction : BOA abruptly slashed my credit limit to a mere {$500.00} without providing any justifiable reason. ( My receipt of this attached letter proves that Bank of American does have my new address ). This punitive action, executed without prior notice, has severely impacted my credit utilization ratio and consequently damaged my credit score.There 's money to be made by charging unfair fees. 

Negligent Statement Delivery : Despite providing BOA with my updated address ( documentation attached ), I have consistently failed to receive monthly statements. With monthly statements, " a payment can be made ''. This gross oversight on BOA 's part has resulted in unwarranted late fees and damaging credit reporting for both myself and my husband, XXXX XXXX, who is an authorized user. 


Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX