23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

First, Weve paid the same monthly payment automatically through our bank for the past 3 years with no issue. Synchrony Bank charged us with a first time paper statement fee in XXXX. I called and they reversed the charges and enrolled our account in a paperless statement utilizing my email address. They assured me it was resolved. 

Received my next monthly billing and again there was a paper statement fee along with a late fee of {$41.00}. I called again and was told they didnt see my enrollment in paperless statement so they reversed the charges and enrolled me again to the same email address that they had on file. The exact same thing happened again for XXXX billing and now Ive received XXXX billing and called today two separate times, when I spoke to the first account manager she told me that there was nothing she could do and the reason I was charged a {$41.00} late fee is that they didnt remove the paper statement fees even though I was clearly instructed they did remove them. I asked her to review the transcripts and she said she could not help me and that Synchrony bank doesnt accept XXXX email. I advised her this was the first time I heard that info and she said they did it to her too. I told her each month Ive called and each month customer service has told me it was all taken care of and confirmed but none of them EVER mentioned that they didnt use XXXX. I asked her to please transfer me to her supervisor and she said she could not do that and would transfer me to another account manager, after being on hold for a very long time I disconnected. I called back and spoke to customer service agent XXXX who advised that my email was showing in the system but she would need to speak with my husband to re enroll us in the paperless statements which is what theyve done the past 4 months. I asked her to please review the transcripts. She left the line for a long time and then she disconnected. I am in a viscous cycle that feels very shady and fraudulent on Synchrony Banks part. I have not made a late payment but continue to have ongoing problems. And if the problem is my XXXX account why hasnt one of the 5 or 6 customer service agents addressed it before today and why should I be charged fees when they kept enrolling me over and over with the XXXX address and telling me that I was good to go and not to worry? If you are able to request the transcripts you can see what Im talking about. Please help me with this mess. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC XXXX ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code XXXX and XXXX mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. XXXX and XXXX ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : XXXX : Reports late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as XXXX, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
Equifax : Reports late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only XXXX provides a closing date ( XX/XX/XXXX ), while XXXX and Equifax omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : XXXX and XXXX show errors starting in XXXX, while Equifax begins reporting errors in XXXX. 
Requested Resolution I request Equifax to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America decided to closed my account and they said at their discretion they had the authority to do so. When I applied to re-open an account today, they denied me and I called and told me the absolute same thing. I think it has something to do with race. I had an incident at a Bank of America location on XXXX XXXX XXXX XXXX, IL. against an employee who wouldn't cash my working check due to the fact that they made out my check as XXXX  instead of XXXX. Any of bank of America I went to, they never refused to cash my check. I notified the bank of America customer service department but did not get a response. This employee was unprofessional and always discriminated against me by saying " you again '', " I told you that you need to go elsewhere '' etc. This location does not like XXXX  people like myself.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1692g - Validation of debts U.S. Code Notes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These accounts I have requested to opt out and not to report anymore on my credit reports XXXX, XXXX and Transunion. XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX  account number XXXX. This clearly states as the consumer these accounts are closed and I want these to be removed immediately and not reported ( updated ) on my credit reports.
Product: Mortgage

Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14  days and the other took 10 days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have fraudulent inquiries and accounts on my credit report. I have been working endlessly with trans union to get my identity theft matters resolved and they have constantly chose to violate my consumer rights. I have sent them several documents that have supported my disputes and as the consumer law, when identity theft is disputed along with the supporting documents, any fraudulent information should be removed immediately.

Below I have attached another identity theft report in hopes that this matter can be resolved before I take legal action about the violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

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

XXXX, Experian, and XXXX on or around XXXX responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXX XXXX XXXX LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report.

INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address some inaccuracies I have discovered on my credit report from XXXX. Upon thorough review, I identified several reporting errors that have negatively impacted my credit profile. I have previously disputed these erroneous reports with the respective companies, agencies, and student loan servicers involved. Unfortunately, each response has reiterated that the reported information is accurate and that no changes will be made to my credit report. This situation has prompted me to invoke my rights under Title 15 of the United States Code, which pertains to commerce and trade, including protections against unfair reporting practices ( 15 U.S.C. 1681, 1681f ), and under section 623 of the Fair Credit Reporting Act ( FCRA ). In addition Experian has experienced a data breach which made my personal information vulnerable to hackers. In light of this, I am requesting a complete deletion of the negative information from my credit record. I believe that the continued presence of these inaccuracies is unjust and detrimental to my financial standing. I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation from my end, please do not hesitate to reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX  Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX {$1100.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a compliance base letter to Experian requesting to remove old addresses and correction of my name. In the same compliance base letter I requested to investigate and remove inaccurate information. 
Inaccurate information requested to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX, I received an email stating and I quote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request ''. Even though I included proof of identification, social security card and proof of address. On XX/XX/XXXX, I submitted a letter assuring them it was me with proof of identification, social security card and address. On XX/XX/XXXX, I received another email stating the same thing as the email from XX/XX/XXXX, and I quote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request ''. I don't understand why Experian keeps refusing to investigate my dispute. I'm attaching proof of all mentioned above. I hope CFPB can help me with this matter.
Product: Student loan

I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.
Product: Debt collection

In XXXX  XXXX I hired XXXX XXXX  XXXX XXXX XXXX GA to represent 3 private loans I had that I had money stolen from me and needed to pay back the loans, but was unable to pay back in full totaling {$160000.00}. XXXX XXXX was to represent me and settle the 3 loans at a lower price and then I would pay them each month and they would send the money to the loan companies for me. They settled with the 3 companies, I signed a contract with them for each settlement and payments began. XXXX of XXXX the final settlement was done with Prosper loans for a particular amount and Prosper was paid. XXXXXXXX XXXX XXXX XXXX autodrafted me twice without my approval and knowledge. They illegally took more money out of my bank account than what I signed on my contract for. I chose to come off of auto draft and pay XXXX XXXX directly each month as XXXX processes the payments for XXXX. XXXX took their fee and sent the rest to XXXX. XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that my loan for Prosper was sold to XXXX XXXX from XXXX XXXXl and was sold back at the full amount owed of {$11000.00} which is not the amount that I owe for this debt. 

To date I have not heard from XXXX XXXX, I had no knowledge of this debt being sold and I have been paying XXXX XXXX  each month for my loan which XXXX was aware of as I informed them via email and my customer portal that I was paying XXXX  and they would send the money to XXXX  as a result of XXXX illegally taking two auto drafts back in XX/XX/XXXX from my bank account. 

To date the amount owed on the Prosper loan is {$7600.00} not {$11000.00} and the loan was sold off back at the original amount. 

This is illegal. XXXX group has performed several illegal actions, selling the loan without my knowledge, not informing me of anything, selling it back at the original amount when they paid Prosper {$7600.00} as settlement agreement that I signed a contract for. 

I have tried to get into my XXXX XXXX group account today and they have illegally locked me out and did into inform me that my account is no longer active. 

This loan legally should be dismissed as a result of all the illegal collection practices that XXXX XXXX has performed. 

I have been in contact with XXXX XXXX XXXX and they to have stated they had no knowledge of any of this other than that XXXX was given a debt and they work for XXXX XXXX. They have had me send them all the proof of the correct debt amount that XXXX contacted with Prosper to prove that the {$11000.00} is incorrect Attached are several documents regarding this situation. I can provide proof of payments as well that I have been making since XXXX XXXX XXXX to XXXX XXXX and XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I had such a bad experience with AMEX. I signed up for AMEX Everyday Credit Card with " 0 % intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74 % to 25.74 % '' and " Earn XXXX   Membership Rewards Points after you use your new Card to make {$1000.00} in purchases in your first 3 months. '' I got my card without the offers.

I called to submit a complaint, after waiting more than a month I received We didnt find any APR offer on your account!

AMEX never promoted this card without that offer, I kept an eye on that card for a long time, and I was already pre-approved, and I waited until I really want to make a big purchase to use the card and I was surprised when I figured out that the offer is not applied.

So frustrated, felt that I got tricked, and they didn't offer me any alternative to fix the problem. I always get " We would not be able to override this ''.
Product: Credit reporting or other personal consumer reports

Hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the XXXX data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been trying to reach out to Affirm inc since XX/XX/XXXX about a faulty product that I wanted to return. There policy stated that I had to reach out to the merchant first and if I didnt a get a response from Them. I could file a dispute with Affirm inc and they would dispute the issue on my behalf. but I havent heard back from them yet and I still have a open loan on this product. And its already after the 30 day 60 days after I put in a request for a return.