23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment to First Progress Credit Card via XXXX at XXXX my Transaction ID # XXXX Refernce # XXXX. I received my XX/XX/2020 statement and my XX/XX/2020 payment is not reflected. I called On Monday XX/XX/2020 and spoke with a customer representative and did not get anywhere. I mailed in a copy of my receipt as of today to First Progress along with a money order for my balance on my account. I have two accounts with First Progress Credit Card. I would like my account to reflect my {$40.00} dollar payment as reflected on my receipt and I would like both of my accounts closed and refunded a total of {$400.00} mailed to me ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

XXXX XXXX XXXX XXXX ( car loan ) for the amount of approximately {$690.00} for XX/XX/2023 has reported late on my credit report
Product: Credit card or prepaid card

I have a store credit card provided by Synchrony Financial for their " Luxury '' accounts. I opened this account in XXXX of XXXX to finance a piece of jewelery. I was told at that time there would be an 18-month interest free promotional period. The initial purchase price was {$10000.00}. In XXXX of XXXX I received my statement showing that the promotional period had ended and the interest ( approx : {$3500.00} ) added back to my balance. I called Synchrony and they explained that I was only given a 12-month promotional period and that I needed to call the merchant to discuss what happened. I then called the merchant and they explained that somehow it got messed up in processing and they were happy to fix it. The merchant and Synchrony communicated ( Approx. XX/XX/XXXX ) and the merchant provided the correct documentation to Synchrony stating that the promotional period should have been 18 months. After that, I spoke to an associate with Synchrony who confirmed that the documents were received and they would begin correcting the account. They informed me that this update would take up to ( 2 ) billing cycles to correct. After my second billing cycle ( XXXX Statement ) with no update, I then called back into Synchrony to ask what is going on. This call took place at the beginning of XXXX ( I dont have the exact date because I was at a training for the military ) and I was explained to then that it actually could take up to 60 days rather than two billing cycles. I was told that they called the " account management or merchant services '' team with Synchrony and they had received it and were currently processing it. On XX/XX/XXXX I called back into Synchrony because I have not received any further communication and nothing has been updated on my account. After speaking to the associate, they told me that nothing has been received and that a promotional period can not be extended after it has ended. Then I was told that there has been no record of this request. I now have an additional {$4500.00} of interest on the account and no one at Synchrony seems to want to help correct this error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported my mortgage account as delinquent. XXXX notified me through email that an account was delinquent and they decreased my credit score. I logged into my XXXX account and discovered that Specialized Loan Serving falsely reported my account as delinquent, and to make the matter worse, XXXX, XXXX. last reported my mortgage as paid on time in XX/XX/XXXX. Where are my on-time XXXX, XXXX, and XX/XX/XXXX electronic online bill debit XXXX payments from my financial institution? I logged into Equifax to see if the same false report was in their system, and Equifax system also showed my mortgage account as delinquent. 

Not only do I want my credit report corrected. I want my stolen credit score restored and the years of damage to my credit score restored as a on-time paying homeowner since XXXX XXXX XXXX acquired my mortgage from XXXX XXXXXXXX XXXX  XXXX XXXX about XXXX XXXX. I am missing years of good credit payment history. My excellent payment history that XXXX XXXX XXXX reported is still on my credit report up until XXXX XXXX. After that, there is a large gap of missing excellent payment reports made on my mortgage by XXXX XXXX XXXX, XXXX. I requested my payment history to be fully reported going back to XXXX to match where XXXX XXXX XXXX last reported up until the mortgage transfer. My request has been denied verbally and obviously on my credit report to this day.
Product: Debt collection

XXXX XXXX Collection Representative for Atlantic Collection Retaliated against me by putting this false account in my credit report after ii sent him a letter that I paid my dr bill to the doctors office. this company then retaliated against me and damaged by credit reports.
Product: Credit card or prepaid card

In XX/XX/2022 I purchased a XXXX cutter from XXXX using the Kohls  charge card for {$290.00} plus tax as a birthday gift for family member. I also received {$60.00} of Kohls cash which was never used. I paid the Kohls credit card minimum payment in XXXX for {$70.00}. In XXXX I returned the XXXX XXXX, unopened and sealed via XXXX providing a return label that was provided.I didn't think much about it and figured I would have a credit on my Kohls charge card since the return would have put me the account in a negative balance. I contacted Kohls in XXXX when I received a bill for over {$500.00} to include late payments and the cricut cutter. I communicated the items was received by Kohls and confirmed by XXXX. I stated via phone and multiple letters the name of the employee is annotated on the XXXX delivery receipt is " XXXX '' and provided a tracking number showing the item is confirmed as delivered. I have called and written letters to Kohls because my balance remains over {$600.00}. The balance should be negative. Kohls charges me late fees, on top of interest for an item that was returned. In addition they have reported my payments as late to the credit bureau for XXXX XXXX. Not only does Kohls want me to pay a {$600.00} balance but I do not even have the item. MY return label clearly shows the package was received, as well as the employee 's name who received the return. I have battled with Kohls for over XXXX months, which is plenty of time for the company to figure the disconnect in their return center. NOt only does Kohls need to credit the return but I would like them to credit the late fee 's since I should never have carried a balance. In addition to updating the reports to the credit agency. No other charges were on the Kohls credit card except the item I returned. I am already out {$30.00} cost to return the item but this cause havoc on my credit report. I will attached the XXXX shipping labels and confirmation of the return. At this point I dont 'even care if they cancel the card, as I will never spend another dollar at Kohls again XXXX The amount of time I have spent to correct their mistake only to have the issue remain is a blatant disregard for customer service. I do not feel I am asking anything unreasonable. I am simply asking Kohls to properly credit the return. I should not have to pay a credit card bill and late payments for an item that was returned months ago. I admit the first XXXX late payments I was unaware of, because I had reasonably expected them to credit the return. As a result, there was no indication that I owed a balance since to my knowledge the credit would have resulted in a {$60.00} credit from the previous payments.
Product: Checking or savings account

I made three deposits into my checking account of money orders, which were {$490.00} each. And I deposited my check into my savings account and its been over three weeks and they still have my funds on hold. after the checks have cleared, they dont let me know. How long is my account gon na be on review or for what reason?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I reached out to XXXX and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX XXXX during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
XXXX  did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.
Product: Credit card or prepaid card

I had XXXX dollar excess in the second Mastercard - Spirt airlines. They stole my XXXX dollars and show the balance as XXXX..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XX/XX/XXXX TransUnion XXXX Assistance TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Alert - Request for Assistance with File Number XXXX Dear TransUnion Customer Service, I am writing to notify you that I have recently become aware that I have been a victim of identity theft. Upon reviewing my TransUnion consumer report, a XXXX  XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX XXXX XXXX acount number XXXX. I discovered suspicious activity that I did not authorize. This became evident when I examined my report associated with the file number XXXX. 
I would appreciate your assistance in investigating this matter and taking the necessary steps to protect my identity and credit. i have enclosed the information needed to resolve this issue. If there are any fraudulent accounts or inquiries linked to my name, I would like them to be thoroughly investigated and removed from my report as soon as possible. 
Your prompt attention to this serious matter is greatly appreciated. Thank you for your understanding and cooperation in helping me resolve this issue.
Product: Mortgage

Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full years before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has admitted in a CFPB complaint that the company did not comply with the reaffirmation agreement until XXXX that was 2 years after the company began servicing the loan. From XX/XX/XXXX until the loan was adjusted Ocwen failed to stay in contact with the debtor allowing the loan to go further in debt making a greater hardship on the debtor. XXXX XXXX XXXX now has came forth and is wanting to remedy the loan and make the debtor whole again.
Product: Credit reporting or other personal consumer reports

l recently reviewed a copy of my credit report and noticed l had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The above account which is one account and being reported as 2 different accounts, Was investigated and i am in a disagreement with this investigation. I reached out to the original company XXXX and they did reply and said they don't have any information to the account. I did reach out to the other company XXXX XXXX for more information and the contract they had with XXXX. It has being more than 60 days since and i have not received any reply. 
I demand both account to be deleted in my credit report since its infridging my rights by reporting both account falsely. Attached is my communications with the company and a proof of how both account are reporting falsely.
Product: Mortgage

My mortgage company changed from XXXX to NewRez ( NMLS # XXXX ) in XX/XX/XXXX. On their website it states that it takes 60 days for them to report updates to the credit reporting agencies. It has been almost 1 year and they have not reported anything to the credit reporting agency and my credit reports show a mortgage balance of 0 and that my last mortgage company is XXXX. 

I have called them 3 times, sent them two emails and sent them a letter. I also sent a letter to their parent company ( Shellpoint Mortgage Servicing ). They have yet to respond.

This is causing my credit score to be much lower than it should be. If i want to refinance a loan, I can't because of the low credit score.
Product: Bank account or service

Wells Fargo refuses to increase my daily ATM withdrawal from {$310.00} to {$1000.00}. I am in XXXX for work and unable to pay bills in a timely fashion with cash. There is plenty of money available but they want their fees. Disgusting company.
Product: Credit card or prepaid card

Company refuses to acknowledge that there is an error in their credit limit system. Keeps responding with a generic automated reply without even looking into it. If they look at their own reply, and read the documents on Capital one, they'll realize that the XXXX  denial is wrongly attributed to a secured card, which my card is not, and hasn't been for a long time now. The system seems to have never updated the card from secured. Nevertheless, the incompetent representatives at the executive office seem to not be able to understand this, or know how to research it. Instead replying with a voicemail, and auto generated letter through here. A voicemail which states a number to call them back on and extension, but they never pick up. And they all state that their only in the office till 4pm or so EST, which is 1pm PST. 

I suggest reading your reply, then reading your own website, before sending these terrible automated replies that don't like into the issue. 
I'll make it even easier and show the parts of the reply which are completely incorrect. 

" Were reaching out to you about the request submitted to the Consumer Financial protection Bureau ( CFPB ), regarding your credit limit. 
We understand you would like us to increase your credit limit. Unfortunately, for the reasons outlined in our letter ( enclosed ) dated XX/XX/2023, your account isnt eligible at this time. 
Please note that you may visit XXXX for more information about credit limit increases. " Okay, so " my account isn't eligible at this time '' Okay so let 's visit www.capitalone.com/credit-cards/credit-line-increase/ for more information about credit limit increases and see what it says. 

" 1. 
Are all Capital One cards eligible for a credit line increase? '' Some accounts aren't eligible for increased credit lines upon request. Accounts that are usually ineligible : Are new accounts opened within the past several months. 
Are secured credit cards. 
Have received a credit line increase or decrease over the past several months. 


So my account XXXX : Are new accounts opened within the past several months. 
NO Are secured credit cards. 
NO, but used to be so this is where the problem is!!! System was probably never updated to reflect this change! 

Have received a credit line increase or decrease over the past several months. 

NO. 


So until you actually fix this. I am more than glad to file regulatory complaints with CFPB, CA attorney general 's office, California Department XXXX XXXX XXXX and XXXX, Better Business Bureau, and so on, on repeat, until the problem is actually addressed and fixed. 

And not just replying with a cookie-cutter automated reply that chat XXXX could've wrote which is factually completely wrong.
Product: Credit card

I was looking at my XXXX credit report and noticed that there are several accounts listed that were not opened by me. Those accounts include : Macys, XXXX and XXXXXXXX XXXX. I did not authorize these accounts to be opened. They are a result of idenity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX  XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX  - Loan Amount {$0.00} XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax received a dispute from me along with identity theft report to verify. They removed all accounts. One of the lenders then resends information and they say due to the fact they are a database they are obligated to put it back on my report even though they have my identity theft report in their database as well. They claim the only thing I can do is dispute again as I have and it has been 5 disputes and removals, but they put it back on every time. This is seriously effecting my credit score and has disabled me from buying almost anything with my credit for 3 months.
Product: Checking or savings account

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account XXXX XXXX .Civil Court XXXX XXXX . XXXX XXXX XXXX gave Power of Attorney for Mrs. XXXX XXXX for Ms. XXXX XXXX to pay for an Attorney who was Mr. XXXX XXXX for suing for {$87000.00}. Civil and Surrogate Court XXXX XXXX. Wire Transfer was done with Chase JP Morgan Chase Check of {$10000.00} for XXXX XXXX  XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was led to believe that I could not receive a loan without signing up for an add-on product, and I was never able to remove it. I was also mislead on the payment process - whereas I made payments that totaled {$8400.00} - some of those payments were made early ( as I was told that would lower my principal if my goal was an early payoff ), but my principal only went from {>= $1,000,000} to {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX- orginally removed from my account and placed back onto my account through a collection
Product: Debt collection

I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer! 

So any help is appreciated!! 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke equifax, and they did nothing to rectify this inaccurate and unauthorized inquiry.
Product: Vehicle loan or lease

I fell behind on my car payment which in my paper work states my payments are due on the 14th. I lost my original job because of Covid and I have being playing catch up on bills because Covid is limiting jobs. My creditor repossessed my vehicle after 30 days and are abusing my credit. They show up to my job and curse at me because of being behind for only 30 days. Which is my first time in the tenure of having the vehicle. I can barely keep my phone on let alone eat on a daily basis by kicking out this kind of money and still get repossessed
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX on my credit report through my XXXX account stating my consumer rights had been violated, and they responded with a verified and updated account with more incorrect information.
Product: Checking or savings account

On XX/XX/ XXXX XXXX mistakenly processed XXXX from my Chime checking-within moments they cancelled the transaction. They sent me the cancellation and said funds never transferred out of my Chime checking account. Chime said I had to wait three business days anyway. I have and Chime now says they will return the money XX/XX/. I am not clear how they can just keep my money- my account has gone negative and I have no way to live this week. Seems like predatory use of my funds.