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

I contacted XXXX XXXX Customer Service on numerous occasions with no response. I have a letter dated XX/XX/XXXX informing me that payment is due for XX/XX/XXXX. 
The payment was made and the bank has not applied my payments. This has affected our credit report. We need a response from this bank on why our payment are not being applied properly and why we have not received notice. I was informed by XXXX @ XXXX XXXX there was a $ XXXXpast due ; this was paid. 

Date Description Amount Balance Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Rate change Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Reversal - Payment XXXX XXXX Click to expand XX/XX/XXXX Payment -XXXX XXXX Click to expand XX/XX/XXXX Payment
Product: Credit card or prepaid card

I have a CareCredit card with Synchrony Bank. They keep adding late fees, even when the card was mailed on time. Last month, they cashed my check the day after it was due, and still charged me. This month two days after. They state on their payment envelopes you must mail the payment 5 days earlier when you use the mail. But their computer told me today that you must mail it 7 days in advance. 

This is becoming a major problem with all bills. The electric company told my mother she must send in her bill more than 10 days early, because they are up to 10 days behind in processing. But they also charge {$10.00} for doing a payment over the phone. 

Why is it that the IRS only requires that the payment and/or the filing by mailed by the XXXX ( due date ) ; but these companies can arbitrarily make up due dates? They are tring to force us to let them into our bank accounts, or make auto payments on credit cards. When you have major companies getting hacked, and companies like XXXX double billing whole communities, this is unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. Remarks
Product: Checking or savings account

On XX/XX/XXXX I attempted to log into my Fifth Third Bank online banking application but was unable to stating it didn't recognize my credentials. To troubleshoot I followed the steps using the Forgot Username option and was able to log in after getting a code sent to my phone and using my original password. The steps to login using the temp passcode told me that after logging in I would be able to see my username in the settings. Upon checking the settings the username was one that I have never used and would not use due to its easily identifiable nature. 

I attempted to change it back to my previous username after verifying all my other information was correct but got an error stating the username was already in use. I called their help line and after 45+ mins they told me I would just have to choose a new username even though they verified the username I was trying to change it to was my previous username and was not being used anywhere else in their system. 

During the 45 minute call they stated my username had been changed on XX/XX/XXXX but they could not see by whom. They asked me multiple times if I had changed it and I explained I had not. 

I am unsatisfied because they stated they had cleared out the username so I could use the one I previously used for login but when their steps to change it did not work they basically told me too bad, choose a new one. 

My issue other then not being able to use my previous username that I did not change, is that they clearly have no controls over managing security information for clients. They were not able to identify whom made changes, why their steps to correct were not working even though the help line says they could confirm no one was using my username other then me previously, they could follow the steps I as doing in real time following their prescribed process to correct the username.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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, credit repair services, 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts and inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin. 

I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems. 

Transworld 's latest letter was XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been requesting that transunion provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every account I disputed was investigated by Transunion and the results were " verified ' and updated, however transunion did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # XXXX XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # XXXX XXXX XXXX open date XXXX, XXXX original amount {$4700.00}, # XXXX XXXX XXXX open date XXXX XXXX original amount {$790.00} According to the FCRA if transunion does NOT have a copy of the documents used to verify the accounts they are required to delete all unverified items. Trans Union has exceeded their 30 day response window for my XX/XX/XXXX requestt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about the late payments on my account. This happened around the beginning of XXXX where I missed a payment and they reported it. By law, the payment was incurred due to the coronavirus outbreak and I was unable to make the past payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following list of names are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, I started getting notifications that my card was being denied. I noticed that it expired on XX/XX/20, but I never recieved a replacement card. I did a chat with customer service on XXXX and they informed me my account was closed due to delinquincy and to call customer service. This card was never delinquent, not even a late payment. I had had it for four years with no problems at all. When I called customer service they said that I could apply for a new card but they had closed my current one - my guess is they wanted to charge me a higher interest rate rather than renew my current card. They said they sent notification of the closure but I never recieved a notification, they just cancelled my card for no legitimate reason. Again, I have online access so I could see that the card was current on payment and you could see the payment history where all payments had been made on time.
Product: Mortgage

We are the XXXX XXXX XXXX XXXX files a Chapter XXXX BK XXXX and ever time we try to make payments on our Suntrust MTG ( Truist ) account # XXXX there are issues so the account is consistent goes last due. Payments cant be made by nonlinear, phone and regular frontline agents and collectors cant the payment. This last time we sent a bank wire for the full past due XX/XX/XXXX it was returned by Suntrust and all the information was correct ( amount, payee, account # and their address. Once the funds became available I called Suntrust XX/XX/XXXX and spoke a frontline agent and her manager and after 1 hr. They apologize so I called back and ask to speak to the BK as I am trying to make a payment they transfer me and it route back to XXXX  XXXX  who were unable to take a payment. I hung and called back 3rd time that agent was the least helpful stating she could hear. I hung up and back then after 35 minutes a competent employee XXXX who processed a payment. 

This is a clear violation of UDAPP deceptive acts and practices because they read the disclosure attempt to collect the debt and if you file BK you may not need to pay the bill however Suntrst can take action on the property The home was excluded from BK and I am trying my best just to get them to take a payment
Product: Checking or savings account

On XX/XX/year> I stayed at XXXX XXXX in XXXX XXXX to which I paid online {$74.00} for the room I had to pay {$7.00} upon arrival {$150.00} deposit which I did on my Chime card Upon check out on XX/XX/XXXX season in XXXX XXXX released the temporary hold. They placed on My Account for {$150.00} Avoiding that transaction and updating it to {$7.00} releasing the hold of {$150.00} back to my account which never got placed back into my account provided all the evidence showing that and have tried to rectify the situation with Chime, who has spent hours on the phone with me and chats with me lying to me about these transactions All in effort to keep my money, which I have spoken to supervisors that have lied to me, customer service representatives that have lied to me and told me stories. I have had a few of them tell me the truth and Said they see exactly what Im talking about. I did not get paid back However, when I asked for something in writing that states that so I have evidence on their part, they refused to do it and disconnect the chat or hang up the phone subsequently I call back and spent days doing this In the end I have had several different stories told me about my money, all of which are created lies by Chime to cover up the fact that they never return my funds. They are saying that XXXX refunded me the money on XXXX XXXX, but because it was a temporary hold there will be no transactional history of this, but they can provide me, but if I look at my balance, it should reflect there, and when I ask them to simply show it to me automatically hang up the phone or disconnect the chat because they can not show it to me because there is no evidence of that. Im contacting you to get this situation rectified because I am being met with lies, and Im tired of trying! They are trying to fraudulently claim that XXXX had my money and created two transactions. They have told me all types of stories that do not follow in line. Ive contacted XXXX and billing department has agreed with me and confirmed that they refunded my money or released the hold on XX/XX/XXXX at XXXX XXXX exactly however chime refuses to accept and refuses to give me my money that they clearly owe me. I have screenshots Several conversations where they lied to me about when the money was gon na be refunded to me As the lies, they put in my account already, but as soon as I asked them to show me, they just disconnect the chat refused to do so!
Product: Credit card

Due to a lost credit card, we cancelled a Citi card number and had a new one issued. The charges all transferred and were visible online. 
There was a payment scheduled on the original card number, but it was not displayed online, nor was it included in the automated phone account information. 
I called customer service and found out the payment was still scheduled, it just wasn't visible to me. 
That is quite confusing. Had I not called, I would have paid twice thinking the scheduled payment was lost in the transition. 
I spoke with two customer serivce reps and neither could/would escalate my complaint so it could be fixed.
Product: Mortgage

I have been trying to get a multi-pronged escrow issue sorted for over two months now. Initially there was an incorrect property tax amount assessed and paid our of escrow - no fault of Flagstar. I had the issue corrected with the assessor, provided all adjusted tax documents and refund to Flagstar the first week of XXXX. While a new escrow analysis was being run, we got a request to provide proof of wind coverage in our homeowners policy. Both myself and our insurance agent provided that proof a total of 3 separate times with confirmation from Flagstar that it was received and satisfied the requirements. Despite this, Flagstar purchased a forced insurance policy XX/XX/2023 in the amount of {$2300.00}. I contacted Flagstar, they acknowledged they had proof and should not have purchased the policy and subsequently initiated a refund. However in that time the new escrow analysis showed an even larger deficit thanks to the unnecessary policy purchased. As a result we had to make a payment {$600.00} higher than our normal monthly payment. Now, a new escrow analysis has been requested, which Flagstar has indicated will not be complete for at least 15 days. Which means we will make yet another overpayment of {$600.00} on our XX/XX/XXXX payment. 

I have sent XXXX separate messages since asking for an expedited process to avoid floating $ XXXX that shouldn't be in Flagstar 's possession had it not been due to their negligence, haven't heard a word back. In addition, in the meantime they have charged {$52.00} due to a " lapse in coverage '' that did not actually occur. Our insurance agent has provided proof of such and we expect a refund, but that does not change the fact that this is yet another insurance/escrow error that required me catching, calling in on, and requesting a resolution. I have a complete lack of faith in their ability to properly service our loan at this point, and have experienced completely unsatisfactory efforts in attempting to resolve the issues that I bring up despite the fact that I have come with all necessary proof/documentation to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My affirm account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid XXXX  credit card off, I have proof of payment and they will not update my account
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Equafax and XXXX are reporting hard inquires that I did not ask to be done by creditors. My personal information was breached and they tried to open as many as 35 credit accounts
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX