23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Bank of America 3 % credit card. It is currently carrying a balance from a 0 % transfer offer made last year. I made a purchase on XXXX XXXX in the amount of {$2500.00}. Because I have a carried promotional balance, they started charging me my purchase APR for my purchase on the same day that I made the purchase. As such, I was charged {$36.00} for interest for a purchase made within the same billing cycle of which the statement closed. 

I attempted to dispute this and they said that they're within their rights because there was a 0 % balance carried from the previous month.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX, XXXX, XXXX, XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with CCBXXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of 2023, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of 2023, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX there was a data breach in Equifax XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I redeemed XXXX points for a {$50.00} XXXX Gift card. It was marked shipped on the XXXX. Shortly after I enrolled my account in a payment program, and it was marked closed. 

I did not receive my Gift Card although it was marked as complete, so I contacted Barclaycard support on XX/XX/XXXX. At this time I was told that they would investigate the incident and get back to me with a solution. 

I did not receive a follow up, so I called again on XX/XX/XXXX. I was told to call Mastercard to figure out a solution, but after calling Mastercard and realizing they could not help me with Rewards issues through Barclaycard, I called again the same day. 

I was told that they had refunded my account the XXXX points and that it should be in my account within a few days. I stated that I was in a payment program and my account was closed, and asked if it would be an issue. She said it wouldn't be an issue at all. 

I waited a few extra days, and not seeing any points in my account, I called again on XX/XX/XXXX. I was told that indeed the problem was that they attempted to refund the points, but because my account was closed, it was not possible, as I had stated several times that it might be. The woman on the phone then stated she would create a new support ticket and elevate the issue. I stated I did not need the points, simply to get my gift card sent to me. She said they would communicate by mail the solution. 

On XX/XX/XXXX I received a letter from Barclaycard simply stating they could not help me with my rewards issue. I called again that day, was transferred to different departments, and stated that this was not okay and I need a resolution, which would be to resend my gift card. I was told because my account was closed and because it wasn't in " good standing '' that there was nothing they could do. My points were redeemed and card was shipped before my account was closed and I am in a payment program which has made all payments, although that should not matter anyway, as this was redeemed and shipped before I even closed my account. She stated she would send an email to the rewards department. 

Today, XX/XX/XXXX, I received a letter again stating they would not assist me with my gift card issue. 

This is not acceptable. I earned points on my account and redeemed them for a gift card that I did not receive as a result of a failure on Barclaycard or the shipping company. This is a large credit card company and this should be a non issue.
Product: Debt collection

I contact National Credit System XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$1800.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt.

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor.

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts. Yet, the company has not replied.
Product: Credit reporting or other personal consumer reports

Hello Consumer Financial Protection Bureau, XX/XX/XXXX I signed a car lease agreement with XXXX XXXX XXXXXXXX XXXX AMERICAN CAR CENTER in XXXX, North Carolina. The car was a XXXX XXXX XXXX XXXX and the agreed upon value which is stated in my lease was {$21000.00}. XX/XX/XXXX my car stopped while I was driving to get on the highway and would not start once I tried to keep starting it. I contacted ACC that same day and was told they have ties with XXXX and to tow it .. since it was under 30 day warranty. Upon arrival I was told that the engine blew and was not able to contact the finance team of the company, in which I previously had contact with! XXXX XXXX XXXX contact XXXX XXXX the regional manager for this company. I was contacted and they put me in a rental car. 4 days go by I hear nothing. 6 days go by and I contact again and hear nothing. I go back to the establishment I purchase the car from and the lot has no cars and has the door padlocked. I immediately felt as if I was scammed. Then I go on XXXX and see they have filed for bankruptcy out of nowhere and left town, this is all public record. The car does not work or move and I have not drove it at all. XXXX is still in possession of the vehicle because no I was not able to pay for an engine. Now they have sold my information to a place called Westlake Portfolio and they are hitting my credit for a XXXX auto loan. I have never had any contact with this company! I have no access to the vehicle and once again I never ever signed anything with this company they should have no information of mine. This is really hurting my credit. I have contacted them several times on behalf of This matter and have received no response. This whole situation was fraudulent behavior and I just need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed Chapter XXXX on XX/XX/XXXX. XXXX was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XX/XX/XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
XXXX is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from Experian.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Illinois XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

Account was opened XXXX with Ginny 's. The account is using a Florida address that showed up on my credit report. I did not open this account and do not live in Florida. This fraud account shows I owe XXXX and that I am XXXX payments behind. It has negatively impacted my credit score. I want the fraud account closed and have this wrong information removed from my credit report. Have tried calling Ginny 's and they are of no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TRANS UNION on several occasions concerning this matter. On XX/XX/2022, I sent TRANS UNION another certified mail letter with a copy of my identification card, requesting they remove a name that does not belong to me and more personal information be removed for privacy purposes from my consumer report and I have yet to receive a response. 
TRANS UNION is in violation of my rights as a Federally Protected Consumer.
Product: Credit card or prepaid card

My name is XXXX XXXX. On XX/XX/2017, I received Wells Fargo credit card Billing Statement to " XXXX XXXX '' for outstanding balance in the amount of {$2700.00}. 
I called XXXX XXXX XXXX XXXX XXXX closing the credit card because the credit card is n't on my name, the credit card also contains fraudulent charges on it. XXXX XXXX XXXX XXXX XXXX closed the credit card account but they did n't remove fraudulent changes, as a result I have called Wells Fargo Executive Office and they forwarded me to XXXX 's voice mail. I have called XXXX at the Wells Fargo Executive Office for seven times and left three voice mails ; but nobody in Wells Fargo Executive Office calls me back. 
This Wells Fargo credit card account has closed with fraudulent charges, this credit card is n't valid because it hasnt been on my legal name XXXX XXXX. 
Please refer to enclosed document including my legal name documentation, Wells Fargo letter and billing statement.
Product: Mortgage

I am trying to close on a Reverse Mortgage that my mother had prior to her death. 

The Reverse Mortgage is being serviced by XXXX XXXX XXXX. I opted to pay the mortgage off through the HEIR '' S APYOFF option. 
HUD approved the appraisal that I submitted and sent a payoff statement for the month of XXXX. Informed XXXX that I would be able to close on XX/XX/XXXX. 
It appears that another department has taken over the payoff process ( COMPU-LINK ). 
Now I'm being told that I no longer qualify for the HEIR '' S PAYOFF option.

The original contract states that I have 6-12 months to close the deal..I informed XXXX that I would be closing on XX/XX/XXXX. I am now ready to close on XX/XX/XXXX. 
XXXX is refusing to allow me to do so. They are trying to make me close the deal outside of the HEIR '' S PAYOFF option.
Product: Debt collection

This company which i believe to be a total scam has called my place of employment multiple times. XXXX from wilson and associates says they will be serving me papers at work and hime address. they also tell me if i make arrangements they can call off the process. my employer has asked them not to call back but they keep calling. i cant find any info on this number or company. please help. thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I should only have two addresses on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Product: Mortgage

This issue started when my mortgage company XXXX, used my escrow account to pay my 2019 summer tax bill. 

My 2019 summer tax bill was paid normally from my escrow account in XXXX of 2019 for the amount of {$980.00}. The following day, XXXX paid an additional {$1500.00} to a separate and incorrect parcel number, using funds from my escrow account. This error caused my escrow account to be severely underfunded, XXXX then added an advance to cover this shortage. I then received a letter saying my mortgage amount would need to increase to cover these new escrow shortages. Based on the amount they had paid to an additional parcel number. 

Upon receiving the notice my mortgage had increased to cover the new escrow amount, I immediately contacted them in XXXX and informed them of the mistake. My city taxes were paid in full, and were the amount of {$980.00}. I supplied them documents from my city tax assessor supporting my claims, and was told that the problem would be fixed within two weeks. At this point I was told to wait, and they would let me know when it was all done. 

I did not hear from them, unless I called them. They had no answers for me, just that it was in process and would all be worked out within a few weeks. We continued to work with them and when our winter taxes came due in XXXX, the exact same issue occurred again, our city taxes were paid for winter in the amount of {$120.00}, then XXXX paid the same incorrect parcel number in the amount of {$200.00}. 

These continued mistakes have caused our mortgage to jump from {$450.00} to {$650.00}. We were told multiple times from XXXX to NOT pay, since the amount would be incorrectly allocated to our escrow, we were told to wait and pay once it had been worked out. The problem is, it has taken the over 6 months to work it out. This whole time they have continued to send us bills, debt collection notices, and foreclosure notices. 

This entire time if we didnt reach out the XXXX, we didn't hear from them. They seemed completely unable or unwilling to correct the problem after 6 months. 

Two weeks ago we were informed that XXXX had transferred our loan to a different company XXXX. XXXX will no longer talk to us at all, and the problem has not been resolved. 

XXXX has absolutely no information on our case, and we have had to start completely from the beginning with getting this resolved. We have received multiple notices of foreclosure, due to our not paying our bill ( As instructed by XXXX ). We are ready to get this current, but so far our escrow account is still incorrectly paying two different tax bills for two different parcel numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER ASSASINATION. AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.
Product: Checking or savings account

Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for
Product: Credit reporting or other personal consumer reports

**Consumer Name : ** XXXX, XXXX **Consumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Experian, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX {$0.00}. The following inquires are not authorized XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX. ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Experian fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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, and XXXX XXXX XXXX have 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.
Product: Mortgage

To begin, due to a loss of income, the client fell behind on his mortgage payments. After having applied and being approved by GMAC / XXXX XXXX for a modification. This offer was made in writing by XXXX, who then failed to implement modification agreement. Later the loan was transferred to OLS. My clients continued to attempt to resolve this issue, with no success. After having acknowledged the error and delaying the implementation of the modification, OLS failed to postpone or hold the foreclosure action on my clients property. Later, once the clients were threatened by a foreclosure action, OLS provided a loan modification with different terms and timeframes. In a separate matter, on XX/XX/2017, OLS issued the clients an Interest Rate Adjustment notice which inaccurately provided the wrong payment and interest rate. We are writing to have these issues investigated and resolved.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and notice a fraudulent account on my report. This account is not mine and did not authorize this. A complaint with identitytheft.gov filed and included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do did not authorize/ recognize the following hard inquiries listed on my account : 1. XXXX XXXX XXXX Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Date : XXXX Business Type : All Banks - non specific Address : XXXX XXXX XXXX XXXX, XXXX, ND, XXXX Phone : ( XXXX ) XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - I opened an account with Synchrony Bank. 

XX/XX/XXXX - incorrect phone number is associated with new account ( this was a previous phone number of mine, however I am certain I never gave this information to synchrony bank ) XX/XX/XXXX - XXXX follow an intrusive validation process to gain access to account, set up auto-pay, verify incorrect phone number does not appear within account XX/XX/XXXX - purchase is denied, I try to access my account and find the previous incorrect phone number has reappeared preventing me from accessing the account. Because I have already verified my identity once via phone I must verify identity via mail. Synchrony bank claims they will mail, however they email and the message does not look like the message I would be looking for ( looks like generic " you have a new statement '' message ). 

XX/XX/XXXX - autopayment which I verified was set up XX/XX/XXXX does not go through XX/XX/XXXX - attempt to contact synchrony bank via phone, however their customer support has been replace with a " you have won a gift card '' recording.
Product: Mortgage

Error on closing. VA cost benefit credit of {$2000.00} not given to veteran directly, Due to Agengy limits of cash back overpayment was applied to mortgage. Veteran was not given the option to receive the overpayment. Attorney /Title company representative did not reveal dual agency and made the decision to apply the {$2000.00} to my account on XX/XX/2022. I received the revised Closing Diclosure on XX/XX/2022. I closed on XX/XX/2022.