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

I received an email stating that I had been denied for a Lowe 's credit card I did not authorize for anybody to use my information to open up an account nor did I try to open this account they tried opening it up on XX/XX/2020 XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has held at least two accounts of mine. Lowes and J.C. Penneys. On both accounts I made regular on time payments which I habitually do for all of my debts which my XXXX credit numbers reflected.The last bills I recieved from these two accounts showed a XXXX balance. I NEVER RECIEVED ANOTHER BILL FROM SYNCHRONY BANK AFTER THAT, SHOWING I OWED THE AMOUNTS DUE WHEN THE COLLECTION AGENCIES CONTACTED ME. I had no idea I owed these amounts.I have paid what I owed as soon as I was contacted by the collection agencies. My credit is now ruined for the next 6 years because of this bank 's actions.XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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. 


( 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: Checking or savings account

I deposited a check on XX/XX/21 via the mobile app. Normally I would have access to {$200.00} upfront and the rest would clear and be available the next day. With this check, there was no funds made available, and I was notified via app notification that the entire amount was placed on hold for at least 9 calendar days. This is an inordinate hold and gross misuse of power by Chase. 

I tried calling Chase twice on XX/XX/21 but was out on hold for for a total of over 3 hours. I was also told calling and waiting was the only way to get this resolved, and that they do not have capacity to handle all the calls they get. This seems predatory in nature and puts consumers in a difficult position where there are not able to work towards resolution in a reasonable manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Equifax Re : Dispute of Inaccurate Information Under FCRA Section 1681 ( o ) Dear Sir/Madam, I am writing to formally dispute information listed on my credit report under the provisions of Section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to dispute any information that has been negligently reported or inaccurately included on my credit file. It has come to my attention that the following information, which I believe to be incorrect or negligently reported, has been included on my credit report : 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  As per the FCRA, I request that you conduct a thorough investigation into this matter. I believe that the inclusion of this incorrect information constitutes negligence, and I am seeking correction or removal of the disputed items under the civil liability provisions of Section 1681 ( o ).

I would appreciate it if you could respond within the 30-day time frame prescribed by the FCRA, as well as provide me with documentation or evidence that substantiates the accuracy of the disputed information. If you can not provide sufficient evidence, I respectfully request that the information be removed or corrected. 
Please confirm that you have received this dispute and are initiating an investigation into the matter. If necessary, I am prepared to pursue further action, including filing a complaint or seeking legal redress for any violations under the FCRA. 
Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation, including the specific actions taken to resolve the dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, XXXX, XXXX, & XXXX I am writing to formally dispute inaccurate information that has been reported on my credit report. This dispute is made pursuant to 15 U.S. Code 1666b regarding the timing of payments and the requirement for creditors and reporting agencies to exercise due diligence prior to reporting.

CFNA ( XXXX XXXX  ) Account Number : Ending XXXX Date of Dispute : XXXX of 2023 Late Payment According to 15 U.S. Code 1666b, 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 to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, under 15 U.S. Code 16
66, creditors are required to conduct a thorough investigation and correct any billing errors within a specified timeframe. The information reported on my credit report does not reflect these legal requirements, and I believe it to be inaccurate. 

I request that you Investigate the disputed information. 
Correct any inaccuracies found. 
Provide me with written confirmation of the corrections made. 
Please consider this letter as my formal dispute and acknowledgment of my rights under the Fair Credit Billing Act. I expect a response within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a XXXX Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.
Product: Mortgage

A few weeks after I bought my home I was diagnosed with XXXX and had to face XXXX that removed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I was forced to take several weeks off of work and I began struggling to make my mortgage payment. Now my lender Cross Country Mortgage is telling me that they are going to foreclose on my house unless I pay the full past due amount of {$14000.00}. I bought my house with an FHA loan and put {$170000.00} down towards the deal and have a lot of equity. This situation was out of my control and I can't believe that they are aggressively pushing to foreclose when the temporary hardship has ended and they have not reviewed my financial information or my ability to pay, they are just trying to close the door. I want to file a formal complaint against Cross Country Mortgage because they are not offering homeowner assistance options that are required for FHA mortgage servicers such as loan modification, special forbearance, partial claim or repayment plan. 

When I bought my home in XX/XX/XXXX I had a good paying job and anticipated no problem making the mortgage payments. One week after closing my doctor told me that I had XXXX under and inside my lip. I had to go into XXXX and they removed 80 % of my lip as well as XXXX XXXX  XXXX  and was recovering for over a month and was not able to work. I could only work part time over the next few months and had to sell my motorcycle and cash in my XXXX so I could keep up with the payments. However in XX/XX/XXXX I was diagnosed with XXXX in my ear and again had to take time off of work. I was very sick and out of it and after more time out I ended up losing my job which led to me being unable to make my mortgage payment. 

At the beginning of XXXX I was in remission and back to work and attempted to make my mortgage payment and the Cross Country agents told me they would not accept the payment and that I needed to apply for homeowner assistance options. I have put together the paperwork three different times and submitted it to Cross County but I never am able to make progress. They have never reviewed my financial circumstances, my ability to pay, my hardship or provided any type of relief. I have the ability to pay and want to pay my mortgage, I just bought my home and put a very large down payment on the house. However, XXXX upended my life and put me through a very difficult time and I am grateful that the worst is behind me. I can't believe that Cross Country would close the door and deny me the opportunity to be considered for FHA homeowner assistance options such as loan modification, special forbearance, partial claim or repayment plan. My family 's financial circumstances have changed and improved and I am in a much better place and the hardship has been resolved. I just do not have the necessary funds to pay the full past due balance in one lump sum and need them to work with me on a plan to resolve.
Product: Credit card

I hold a Chase/XXXX Visa credit card. Chase promotes this card -- and other high-end credit cards -- as offering " primary '' auto rental collision damage coverage, meaning that one need not file a claim with one 's personal auto insurer. I charged a recent car rental to the credit card. The rental car sustained some windshield damage. When I called Chase 's benefits administrator to file a claim, I was told that " primary '' coverage is not available to residents of New York State ( only secondary coverage is ), and that I would first have to file a claim with my personal auto insurance company. In its advertising for this card, and in the benefits guide that Chase sends to cardholders, Chase fails to disclose that primary auto rental collision damage coverage is only secondary coverage for XXXX.
Product: Checking or savings account

On XX/XX/year>, I visited the Fifth Third Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX, to withdraw funds from my checking account to purchase a vehicle. I have held this account for over three years. 

During my visit, both the teller and bank manager refused to process my withdrawal request, citing concerns about potential fraudulent activity. Despite providing my ID, Social Security number, and account number, and showing that my account has substantial annual activity ( deposits and withdrawals totaling {$44000.00} ), I was permitted to withdraw only {$2000.00} in cash. I was informed that this restriction was not due to daily withdrawal limits and was told I could not return the next day for additional funds. 

Additionally, the bank staff questioned me about the purpose of the withdrawal and the source of my deposits, although this information is clearly detailed in my account statement. They also asked personal questions about how I intended to use the money. I would like to see the banks policy regarding such inquiries, particularly since the withdrawal amount was under {$10000.00}. 

The transaction was further mishandled : I received {$2000.00} in cash without it being recorded as a withdrawal, and was also provided an extra {$2000.00} via a cashier 's check, which I later returned voluntarily. Despite this, my subsequent attempts to withdraw the remaining funds in cash were unsuccessful due to continued concerns of suspected fraud. 

Given the bank 's stringent controls around fraud, it is concerning that they allowed me to receive {$2000.00} in cash without recording it in my account. This inconsistency raises questions about the effectiveness and application of their fraud prevention measures. 

I am concerned that the bank 's actions may indicate discriminatory practices and suggest that the bank manager undergo training in Diversity, Equity, and Inclusion ( DEI ) to improve customer service. I request a review of how my account was handled and an explanation for the refusal to process my withdrawal. I also request the closure of my account, as it no longer meets my banking needs. 

Furthermore, I seek an explanation for why I was suspected of fraud on my own account despite having verified my identity, especially given that I live directly across the street from the bank. 

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

EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove it they replace it as shown in the attachment Which I have placed an order. Im custom explanation for each of the 10 attachments. What is the law in the state of Maryland grants me. The free credit report an act Also grants me {$10000.00} per every 28 days that the credit bureau report affect my life negatively. That I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general if Maryland and to every media outlet in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, SSI # XXXX  My phone is XXXX Email XXXX Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my XXXX  credit report See Attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX BANK OF AMERICA- Last reported XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX- Last reported XX/XX/XXXX {$1400.00}
Product: Mortgage

Hi, I'm a XXXX XXXX  making XXXX a year and have been paying on my mortgage for 20 years without fail. 
I have an XXXX  mother and XXXX dogs to take care of. 

Lost my job in XXXX. Called Mr. Cooper to let them know. They said they could offer no help and to call back after I missed payments. 

This company also has problems with their phone system, have been notified, and make it nearly impossible for customers to reach them. 

Got a job and haven't received first paycheck yet. Called Mr Cooper to make arrangements and they're threatening me with foreclosure because I'm 3 months behind. 

I can not pay the higher interest rate for the loan to be modified, I can not afford that. 

It is criminal that Mr Cooper is offering no solutions. All they offered was for me to pay all 3 months by the end of XXXX ( which is ludicrous ). 

We need consumer protection- this company is using strong-arm tactics I need help, please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of the financial dance and impact to us concerning credit reporting. We have been warned that Equifax has been hacked, we KNOW they maintain off shore access and service and yet negatives are posted immediately and months go by before correction, if ever. To further harm us THIRD party submission are inaccurate and usually 30 or 40 point lower and all the while the dance their are different models. NO, they allow this misinformation to be used and their legal out the dance- they have no control and there are many methods all by opinion to encumber people and keep them indentured. Their legal ability to keep us in financial duress and your ineptness at protection pathetic. The path of resolution hard and practically non existent. Right now attempting a mortgage Equifax score substantially less than the others who also share in this fiasco and by opinion abuse. Yes and all LEGAL and that tells all " you shall know them by their works. '' Note THEIR WORKS! PS you no longer have them listed now doesn't that alone speak t who these people are and THEY control the lives and finances of billions and evidently now all over the globe.
Product: Student loan

I have   XXXX   loans through Navient totaling {$33000.00}. My first issue is that one loan is {$13000.00} which seems correct given what was disbursed to the school but the other is {$20000.00} which is no where near what was disbursed to the school. When I asked the company why the loan was so much more expensive they said because it had accumulated interest. My next question was why had it accumulated interest when not only had they just come due that month but the other one had not accumulated any and they could not explain and ended up putting me on an endless hold. My second issue is that my monthly payments total almost {$500.00} and I work an hourly   XXXX   XXXX   so when I called and asked about an income driven repayment plan they offered forbear offered forbearance as and option and I told them no I wanted to establish an income driven plan and they took a financial statement from me and my cosigner and i have heard nothing back from them at all. I have called asking and they say it is still being processed. It has been has been over a month now and they are not contacting me at all not even to badger me about the payment that is about to be 30 days late ( but is not yet, will be as of   XXXX   XXXX  ,2017 ). They did however call my cosigner 5 times last night (   XXXX   XXXX  , 2017 ) and told her that the financial statement she gave was not received because the call dropped. I sat with her when they took that statement and not only that but why wait a month to say " Oh the call dropped we do n't have it. '' Instead of calling me to ask where my cosigners statement was they just let me miss a payment that I have literally no way to afford. I feel like I have been cheated in order for this company to receive a late fee from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance {$3800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to remove an address I never stayed at and to remove two employers from my credit profile.
Product: Debt collection

I received my credit report and noticed that American express was not a lender I have had a relationship with. I have been a victim of identity theft.
Product: Checking or savings account

Im writing to ask that you consider a specific concern that the banking industry has inadvertently left its customers more vulnerable to fraud in an area that would be easy for them to fix in the ACH ( Automated Clearing House ) transaction capability. The risk was minimal when they created consumer ACH capability years ago, but is substantial in todays reality of hacks of government entities like the Office of Personnel Management and companies like XXXX and XXXX. 

Today many companies automate payments using ACH debits to consumer bank accounts ; however, the consumers control over this capability is almost non-existent. Transactions between personal accounts require configuring debits or credits or both with approvals by both accounts ; but companies need only a consumers routing and account number to withdraw funds up to the limit of {$15000.00} per day per account ( or {$45000.00} per month. ) This leaves the door open to honest mistakes and fraud in numerous ways. 

Currently banks have not yet added configuration capability to safeguard against potential fraud. This was probably well intentioned, aiming to minimize the burden of automated payments on both vendors and consumers ; but it is now a disaster waiting to happen. An obvious scenario would be for a company to acquire a large volume of hacked consumer information, to make massive withdrawals, and then to disappear. ( An overseas shell company, for example. ) This would leave banks on the hook when their customers disputed these transactions, AND temporarily destroy many consumers cash resources. Yes, disputes would solve this for consumers, but the weeks necessary to resolve the problems would seriously impact many families. 

I hope Ive made my point. I believe history has shown that sooner rather than later, someone will take advantage of this vulnerability. Lets get ahead of the game and either persuade banks to provide more configuration capability, or, as a last resort, require them to. 

Last week a mistake by my investment management firm left my bank account almost empty when they made a simple mistake, debiting rather than crediting my account. Fortunately, I had configured appropriate alerts and discovered the problem immediately. My investment management firm is one of the countrys most reputable ; and the same can be said of my bank. However, I still have no ability to configure things to make such a mistake impossible in the future! Im not as concerned for myself as I am for people less fortunate than me, which includes many, if not most, of my fellow Americans. Please consider doing what you can to help correct this situation. Thanks in advance for your consideration.