23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

It is past the 4 days and no action has taken. When I call I'm told to keep waiting
Product: Debt collection

To Whom It May Concern, I am writing to formally notify you of recent telecommunications harassment I have experienced from Synchrony Bank in relation to debt collection efforts. Between XX/XX/XXXX, and XX/XX/XXXX, I received a total of eight phone calls, including voicemails, in attempts to collect a debt.

Although I am currently enrolled in a Customer Assistance Plan with Synchrony Bank due to ongoing financial difficulties, the frequency and persistence of these calls are both inappropriate and distressing. Under the Fair Debt Collection Practices Act ( FDCPA ), as outlined by the Consumer Financial Protection Bureau, debt collectors are prohibited from contacting a debtor more than seven
times within a seven-day period.

Given that I have received more than the permissible number of calls during this time, I believe Synchrony Bank is in violation of these regulations. As a result, I have submitted a formal complaint to the Consumer Financial Protection Bureau regarding this pattern of telecommunications harassment.

Due to the distress caused by this excessive communication, I respectfully request that Synchrony Bank take immediate action to resolve my debt. I am requesting that they cease these excessive communications and address my request for cancellation of debt promptly.

I would also like to file the complaint that Synchrony Bank has blocked my account from being logged into, in order to make a payment for several months now. Images of phone calls, voicemails and the message when attempting to login to my Synchrony Bank account will be attached to this complaint.

As I am unable to login to my Synchrony Bank account, I do not have a way to contact Synchrony Bank regarding emailing them about this issue as I want it documented in writing.

While I appreciate Synchrony Bank providing an alternate payment plan for individuals going through financial crisis, I do not appreciate harassing behavior.

Information for my Synchrony account is as following : Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone Number : XXXX Type of Credit : CareCredit Approximate date of Customer Assistance Plan enrollment : XX/XX/XXXX For further correspondence, I can be reached via email at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXXXXXX XXXX Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer in any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer laws, and I request your assistance and investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus XXXX, EQUIFAX, XXXX for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I noticed mistakes on my credit report relating to 15 USC 16c-2. The inquiries listed were not authorized by me and are affecting my credit. I noticed mistakes on my credit report relating to 15 USC 16c-2. The inquiries listed were not authorized by me and are affecting my credit. Please remove these hard inquiries. Thanks!
Product: Credit reporting

I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my  ID, Proof of a ddress and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the law negative accounts should be removed after 7 years. XXXX XXXX XXXX  has since removed accounts from selective bureaus but continues to makes updates, and change information in an attempt to lengthen the amount of time they are legally able to report to the bureaus. They have continued to report inaccurate information and manipulate the data in their favor. Photo proof of how the report different information to different bureaus and that the account had been removed from two bureaus but continues to be updated with false information on the 3rd. They also updated the balance from {$0.00} to {$500.00}. Theyve broken multiple laws including the continuos reporting of a charge off of XXXX times.
Product: Credit reporting or other personal consumer reports

Summary : I received an email from XXXX that my SSN is on the Dark Web. Next I signed on to all three credit bureaus to verify that they are locked. Only Equifax was a problem. The issue is horrible customer service by foreign agents in noisy call centers. It is clear that they don't care about consumers. 
Detail : After multiple unsuccessful attempts to reset the account password online and getting the same " Try again later '' message I called Equifax at XXXX. After entering the required info I waited half an hour for an agent named XXXX. I could hear other agents almost as loudly as XXXX due to the crowded call center and she had a very thick, strong foreign accent ( I've lived in California for 40 years and I am used to accents ). She read from a script, asking the same questions several times. She accused me of yelling at her which was untrue I was using a speakerphone. After that I'd had enough. From my experience, Equifax skimps on it's website with a useless password recovery tool, leaving a phone call as the only option for help. Equifax then skimps on their call center it's noisy and their agents sound harried and stressed out. I am attaching an email from the agent that did not resolve the problem. Password resets should not be an issue in 2024 and I did not have an issue when I reset my CFPB password before writing this complaint! KEEP UP THE GOOD WORK!
Product: Money transfer, virtual currency, or money service

XXXX. USD XXXX was sent by me on XX/XX/2023 through Remitly to be credited to my XXXX XXXX XXXX, at XXXX, ending with the last four digits : XXXX XXXX. But due to some reason, it is credited by Remitly to someone else 's account ending with the last four digits : XXXX ( proof attached ), Please note, in this case that the sender is me and the receiver is also me - to my Bank account in XXXX. 
3. Remitly has agreed that there is an error but has not made good the money yet. ( Their resolution letter is attached ) 4. Remitly has not given a satisfactory solution and has caused a lot of trauma to me in the process as I have made a number of calls asking for a proper resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account numbers : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My NAME XXXX XXXX XXXX XXXX DOB XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX todays date XXXX Dear, NATIONAL CREDIT ADJUST I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME NATIONAL CREDIT ADJUST ACCOUNT # XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY XXXX XXXX XXXX XXXX
Product: Credit card

I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 an account without my written instructions. This is in clear violation of my rights. This has caused XXXX  XXXX, hardship as well as XXXX XXXX  to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

Due to CO19 I put my home into forbearance -Flagstar did extend that to me till XXXX XXXX I can start making payments again IF they will put the past amount owed onto the BACK of the loan [ like extend the loan one year beyond its final payment date ]. BUT THEY say I have to come up with the TOTAL amount owed [ it will be over {$24000.00} ] AT ONE TIME, once the forbearance is ended. WHAT is the POINT of doing a forbearance IF I still have to come up with all the money at once. OR IF my payments INCREASE? I thought that the CO19 laws where that the amount owed would be tacked on to the end of loan?! PLEASE HELP me get them to allow this so I wont lose my home!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Product: Debt collection

I was enrolled with freedom financial and one account for XXXX  XXXX XXXX was so called settled. Started XXXX. I left the program in XXXX. Bankruptcy was completed and the whole amount was included. A check was sent to their address from third party XXXX ( XXXX ). I never received it .so I need an audit based off of the complaint against this company.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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.

Please remove the following items from my credit report, immediately : Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. 
Please remove the following items from my credit report, immediately : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used an Access Check for a 0 % offer on my Bank of America Alaska XXXX card for {$2100.00}, which posted to the account on XX/XX/XXXX. I paid a 3 % fee as promoted. A scan of their access checks & its language ( front & back ) is attached. No where does it state that B of A will start charging me interest on my regular purchases from the date of the access check. Usually one has a free month to pay the credit card bill. I pay off my purchases each month. 

The credit card bill for XXXX XXXX arrived. It did not show a minimum payment for just the Access Check amount. I called B of A Customer Service to ask about this and was told by two people that there is one minimum covering both purchases and Access Check amounts and that B of A was charging their standard 18.49 % on purchases from the date the Access Check posted. The statement does not CLEARLY state this and the language on the Access Check does not, either. I pay off my purchases each month and wanted to pay a minimum on the access check each month. 

I would not have used the Access Check has I known that B of A would start charging me on my purchases and take away my free month to pay. 

This is very misleading and unethical marketing. I scrounged around and paid off the whole balance to be rid of these people. I would like you to pursue this unethical marketing.
Product: Student loan

I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.
Product: Credit card or prepaid card

On XX/XX/2019, I conducted a cash advance. I attempted to pay the full amount on the same day to avoid interest, but was unable to as the bank does not allow a payment greater than the posted balance. The cash advance was still temporary authorization. On XX/XX/2019, I attempted the payment again and was still denied the ability to pay the full amount as the advance amount was still a temporary authorization. On XX/XX/2019, the cash advance amount posted, however with a date of XXXX, resulting in 2 days of interest be charged. However they charge the cash advance fee on the XXXX when it posted. This is unfair, deceptive, and abusive. The customer is unable to prepay an amount that is temporary authorized to avoid interest. If a payment can't be made by the customer until it hits the balance, the transaction date of this cash advance should have been the date when it posts, allowing me the opportunity to avoid interest. This is probably happening on every cash advance as the banks system process to restrict payments beyond the balance, but posts two days later with a date 2 days prior. Screenshots have been captured to show the restriction to pay as well as the back dating of the transaction when it posted 2 days later. The CFPB should also conduct an exam of cash advances and evaluate the capabilities restricted to customers while date calculations backdate. There is probably millions of dollars in interest being charged every year for extra days.