23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I have a card through Synchrony Bank for Lowe 's Department store. I had a payment due on XX/XX/2024. At some point they changed their minimum due from {$35.00} to {$41.00}. This was not clearly communicated to me. I paid the {$35.00} then was charged a late fee of {$41.00} because my payment was {$6.00} short. I contacted customer service and after being transferred to a manager they removed the fee. However, the reason I'm alerting you to this is because during the course of the conversation I informed them that excessive late fees have been reduced to a maximum of {$8.00}. They told me that they believe they have " time to implement this change. '' According to the rule passed that is false, the time to implement it has past.

They should under no circumstances on XX/XX/2024, be charging a {$41.00} late fee because a payment was {$6.00} short. If they did it to me, they're doing it to others, and they're intentionally violating the new rule as they claim they are aware of it but do not believe they need to follow it just yet. I wanted to bring this to your attention as it could be a wider scale problem for other customers and they should be held accountable for violating the rule.

Thanks very much for taking the time to read this.

Sincerely, -XXXX
Product: Student loan

My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.
Product: Debt collection

I was called at my workplace and my cell phone numerous times by XXXX XXXX XXXX. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX Re : XXXX XXXX, XXXX XXXX National Credit Systems listing for {$500.00} XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX On behalf of my client, XXXX XXXX XXXX SSN XXXX ), I am contesting an entry on her credit report from National Credit Systems , for a sure deposit. The debt is for {$500.00}. 

This debt is being contested as being illegitimate. My client contests this debt and insists that she did not create this debt in her name. You must show Client proof that she signed up for this, We are demanding proof, if you can not show proof that my client signed up for this, please remove now. 

Please remove this debt from XXXX XXXX credit report. If you have more questions, please let me know. Thank you. 


Sincerely, XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 


Cc : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Product: Credit card or prepaid card

When I tried to check for any discrepancies in the Bank of America credit card account. 

The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. 

I am attaching the spread sheet that explains the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the XXXX major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 was never late! I have had exceptional payment history 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 those accounts 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 days before the payment due date. 


XXXXXXXX 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 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: Credit reporting or other personal consumer reports

Description of What Happened : I am submitting a formal complaint regarding errors in my car loan with Santander and my mortgage with XXXX XXXX  XXXX. These inaccuracies have not only caused confusion and financial distress but have also significantly damaged my credit score. 
Santander Car Loan : My car loan with Santander was paid in full on XX/XX/year>2024, for the amount of {$20000.00}. Despite this, the account has not been updated to reflect the paid-in-full status, leading to errors in reporting. 
XXXX XXXX : My mortgage payments to XXXX XXXX  XXXX have been made on time every month in the amount of {$2500.00} from XX/XX/scrub> 2024 to the current date. However, there are discrepancies in the recorded payment history and balance.

As a result of these errors, my credit score has taken a substantial hit, dropping from XXXX to XXXX, which is completely inaccurate and unfair.

I am requesting an urgent investigation into these matters to correct the errors and restore my credit history.

Desired Resolution : Update and correct the Santander car loan to reflect the paid-in-full status as of XX/XX/scrub> 2024. 
Correct the payment history and balance on my XXXX XXXX  account to reflect on-time payments of {$2500.00} monthly from XX/XX/year>2024 to the current date. 
Immediately correct my credit report to reflect accurate information and restore my credit score to its rightful standing.

Thank you for addressing this matter promptly. Please let me know if additional documentation or information is required to resolve this.
Product: Mortgage

Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers?
Product: Debt collection

A collection was put on my credit report on XX/XX/XXXX from I.C. Systems Inc stating I owe {$610.00} to the originator of the debt XXXX. I paid XXXX {$610.00} and as a result the previous company XXXX XXXX a different collector for XXXX updated the collection on my report on XX/XX/XXXX and deleted all collections on my account. This debt was paid directly to XXXX. Why am I being harassed by phone from I.C systems inc. Also my credit score has decreased and I have been trying to build it for 2 years this is unfair and unacceptable. XXXX is sending another collector after me for more money after I paid them in full.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to act after they have received information form me and they basically forced me into starting a subscription so that I could get my credit report updated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing this complaint regarding my checking account ending in XXXX at Navy Federal Credit Union. I have tried several times to resolve An issue regarding returned item fees with Navy Federal directly. Now, almost daily, new fees are being assessed that are related to recurring debit transactions that have been in place and now they are assessing them as ACH transactions. It seems this is being done to assess more returned item fees. This all began, once I made mention of filing a complaint with the CFPB upon speaking to a telephone representative and a supervisor whom acknowledged the error and proceeded to still place blame on me for not calling within 60 days. Initially, when I explained that I had just recovered from some personal health and family matters, I was told that I was to have reviewed my statements within 60 days and that any fees they waived were a courtesy and they did not have to waive them. I was also told that just like there are laws to protect consumers, there are laws that help banks also. Once I asked the policy, the supervisor stated that if the funds are not available the end of day for a transaction, then a returned item fee is assessed the following business day. I have been a customer of NFCU for a long time and I can not even make my credit card payment due to my account keep having new fees. In the messaging center, I pointed out that I hadnt received notices about anything for several of the months in question, now they make sure I receive a message everyday about a new fee and dont try to resolve my requests to look into my original issue. 

I have attached copies of each statements that have fees in question. I will also attach screenshots of my communication with NFCU through their apps messaging center to document my attempts to resolve. I do not have any phone records but I called from the phone number on my account each time. Thank you for taking the time out to review my inquiry.
Product: Mortgage

Since XXXX XXXX, 2015 I have been requesting the bank to provide me a copy of my mortgage servicing file in accordance with the Real Estate Settlement Procedures Act ( Regulation X ) 1024.36 - Requests for information. I have submitted my request in writing as indicated by the regulation. The bank ignored all the requests made until the last request made on XXXX/XXXX/2015 which the bank answered on XXXX/XXXX/2015, but refusing to provide the information indicating that it is overbroad or unduly burdensome request for information. The bank is in violation of the applicable regulation since it failed to acknowledge the request for information in the time frame indicated by the regulation and the overbroad or unduly burdensome request for information response is not applicable in this case. 
I have attached the letters sent to the bank requesting the file and the bank 's response.
Product: Debt collection

Hello! Thank you for your response to previous complaint ref # XXXX I am seeking additional information, just to confirm it is common practice to attempt and reach a consumer prior to consumer receiving a letter/notification related to any attempt to collect a debt? I was under the impression that the letter had to be sent out to consumer prior to any company attempting to collect a debt. I had initially filed the complaint ref XXXX because I do not recognize the phone number that attempted to reach me, I understand per previous response, this is for consumer protection however, it did not disclose it was an attempt to collect a debt, just to call that number back, tactics seem deceiving. I did see the attachment dated XX/XX/19, yesterday and attempts to reach me were made early this morning I want to confirm that this letter was mailed out yesterday or this morning as Ill be on the look out for it, thank you in advanced for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX Balance : -