23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've made sure that payments on this account are always timely, without letting them become overdue. I don't understand why there are late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be addressed.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Equifax and XXXX ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. XXXX, XXXX and XXXX are not affiliated. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit card or prepaid card

I have a been a Bank of America customer for well over a decade. Today I received a letter in the mail stating that my credit card, which I used as a backup emergency card for overdraft, was canceled. The reasons given were 'inactivity on this account, current or past delinquency, derogatory public records, and/or collection accounts, utilization of your credit is too high '. 

This is offensive on so many levels, especially considering I have been a customer in good standing with them for over a decade, I haven't used the card in a long time, and I have recently been laid off.

My credit score has dropped recently but nothing dramatic, XXXX. This will only hurt me, not help me. It gives me no agency, and will only worsen my score and my debt to credit utilization. This is such an incredibly unfair adjustment to my life without me having any say in the matter.
Product: Mortgage

on XX/XX/2016 my representation submitted documents to citi bank for mortgage modification on my second mortgage due to reset XX/XX/XXXX. Since then it has been a constant process to keep supplying documents as they go stale from lack of action on Citi banks part. At some point they breached the privacy act by including my first mortgage ( citimortgage ) without my authorization. I made an information request on XX/XX/2016 as to how it happened and other questions including copy of my authorization and was given vague umbrella pass the buck answer yet my Home specialist name was all over it. That was XX/XX/2016 and citi has not responded to my representations request for status update since. That request went unanswered in detail.Today my representation informs me citibank will not talk to her unless i am present. I called number supplied by home specialist and it did not provide any means of entering extension provided by home specialist. I went through automated phone to mortgage assistance and just so happens my specialist got the call. When confronted about lack of status and updates, she claimed it was on hold for lack of documents which my representation confirmed was sent when requested ( conference call ) and that she ( home specialist ) was sick for two weeks, no alternate contact and no automated response she was out of office. Home specialist said I have to start over and that the second will reset in XX/XX/XXXX. Citibank has intentionally let documents go stale, ignored my QWR, stopped communicating with my representation since QWR, forcing me into default destroying my credit of XXXX+. Check consumer complaints and you see this is a pattern with citibank. Hard to get all this in a comprehensive manner. In short my complaints are simple and deserve looking into with a broad scope. 1. Citibank failed to respond to my information request 2. Citibank mishandled my personal information 3. Citbank is failing to work with integrity to help me and other homeowners wanting to keep their homes despite federal regulations that mandate assistance. Bait and switch, take in the applications drag them out until foreclosure, take the property and meet the numbers for assistance applications then blame the homeowner for failing to provide some obscure meaningless document for successful modification. 
In my research Citi Bank and citimortgage have XXXX different tax id # s neither of which are registered with XXXX ca, more confusing is my statements come as citi bank and citi mortgage yet the year end mortgage interest statement for both just shows citimortgage tax id number? Im a consumer please help me keep my home and police the actions of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this for 8 months now and am getting nowhere. I am going to be contacting a lawyer this month if this is not removed from my credit report within 15 days and then Experian will need to come up with all of this documentation during the discovery process. There are 3 accounts reporting that are incorrect and must be removed immediately. This is my 2nd complaint against Experian and nothing was done to assist me by the Consumer Financial Protection Bureau ( I would make a complaint against you guys if I could! ) or Experian. No one is holding Experian accountable for their extreme abuse of power and something has to be done about this immediately. XXXX XXXX XXXX XXXX XXXX, XXXX These 3 accounts are the result of identity theft and I did not at any time apply for, use, obtain or authorize these accounts. I have already explained to the credit bureaus what happened and that another person with the same name was given all my information by an employer that we both worked for and he opened multiple accounts, obtained vehicles and even went to jail with my information! Section 609 protects me against false reporting by the credit bureaus and therefore, you must send me the actual paperwork that was filled out when this account was opened or they need to be removed.
Section 605B protects me against identity theft. Send me the paperwork that was filled out when these accounts were opened including my original signature and copies of the identification provided. If you do not have this paperwork ( which you do not have and can not obtain ) then you must remove these items Section 1681 protects me against inaccurate and incomplete reporting as well as false reporting by the credit bureaus which is why all investigations must take place to ensure that there are accurate and complete accounts on my credit file # 1 XXXX XXXX XXXX XXXX account # XXXX You are in violation of all sections listed above. Send me the documentation that proves that I ever occurred these charges or applied for this account. In addition, you have 2 years of late payments after the account was closed. That makes no sense and is not even possible. # 2 XXXX XXXX account # XXXX & XXXX You are in violation of all sections listed above. Send me the paperwork that was filled out including my original signature or remove this immediately. I did not apply for or open this account. Also send me the handwriting analysis that you performed.
Product: Debt collection

The account is with Merchant Credit Bureau it was filed on XX/XX/2016 in the amount of XXXX they threaten to garnish my wages of i didn't pay and it has damaged my credit as a collection..
Product: Credit card

I bought 4 pieces of furniture from XXXX XXXX with Order # XXXX with a total cost of {$3100.00} on XX/XX/XXXX with Sams Club Mastercard issued by Synchrony Bank . 

The furniture was delivered on XX/XX/XXXX to my house, with defects. Defects were reported to XXXX XXXX on XX/XX/XXXX via emails with photos of defects and I requested either a refund or exchange. XXXX XXXX offered a 10 % discount, which I declined and I was promised that XXXX XXXX  would respond within 3 days, then 5 days, but there were no follow up calls from XXXX XXXX. I even sent an email to XXXX XXXX  to remove the furniture by XX/XX/XXXX but no response. 

On XX/XX/XXXX, I reported to Synchrony of merchandise defects, no follow up from XXXX XXXX  and requested Synchrony Bank to dispute the billing. 

Subsequently, Synchrony Bank removed the amount charged by XXXX XXXX  from my Billing Statement, then reversed it. Then Synchrony Bank removed the amount charged the second time, only to reverse it the second time, stating " the seller will not issue a credit for your merchandise as long as it is in your possession. 

On XX/XX/XXXX, I made one more last effort to contact XXXX XXXX at XXXX as indicated by Synchrony with reference number XXXX, and was told some one would contact me within 24 to 72 hours. But no one from XXXX XXXX contacted me. 

On XX/XX/XXXX I made a complaint to the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ID XXXX ) re : this matter with Synchrony Bank and XXXX XXXX failure to honor Consumer protection/rights and warranty promise. The XXXX  stated that management of XXXX XXXX  would reach out to me regarding " options. '' But I received no communication from the Merchant which I had repeatedly notified Synchrony Bank. 

The past three months, I have received repeated harassing collection telephone calls, letters, emails from Synchrony ( which appeared as potential spam call on my phone ), even though the billing dispute was on-going, and that I had asked ask for these calls to stop by writing. 

On XX/XX/XXXX, I called Synchrony Bank XXXX and spoke to a representative named XXXX XXXX. He identified himself as from 'Collection Agency. '' I again asked him to stop calling. He then transferred to a Customer Care Agent. I told this Agent to stop calling me or emailing me for payment, because I will exercise and exhaust all of my consumer rights. The Customer Care Agent initially said my case still is going through dispute, but then he said he consulted with an Account Specialist that there is nothing else Synchrony Bank could do. 

Today, I received another harassing email from Synchrony to pay for the disputed amount mentioned above. 

I am writing to the Consumer Financial Protection Bureau for intervention and hope to have just actions taken by Synchrony Bank in its financial dealings and practices with merchants that they have a financial relationship. 

Thank you for your attention and your assistance. I look forward to receiving recommendations from the CFPB very soon. 

Sincerely, 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 formerly XXXX, Account Number : 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, credit repair services, or other personal consumer reports

Contacted both Experian and XXXX  about late payments that XXXX XXXX had on my credit report. I provided proof that payments were made. I uploaded copies of my bank statements that showed payments were made through online transfer to XXXX XXXX directly on each of the months that XXXX  XXXX was reporting late. Proof was in all three statements. 

Experian and XXXX  kept returning my complaint saying it was verified late. HOW? If I am providing proof of payments from an FDIC Bank XXXX XXXX XXXX proving payments were never late. I called and was hung up on each time. ( its impossible to get anyone to help. ) I spoke with at least 10 agents from each credit bureau and each time they would hang up. Coincidence or bad business practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX bank Account # XXXX name : XXXX XXXX XXXX XXXX XXXX Account # XXXX name : Account name XXXX XXXX XXXX : Account # XXXX  Account name XXXX XXXX XXXX XXXX Account # XXXX. Account name XXXX XXXX XXXXXXXX : Account # XXXX. Account name XXXXXXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX. 
Account name XXXX XXXX XXXX Account # XXXX. Account name XXXX XXXX XXXX : Account # XXXX Account name XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX College from XXXX in the Wind Energy Program. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount : {$1500.00}. Collection Agency : DeVille Asset Management.  Status : Paid, Close. Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX XXXX credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.
Product: Credit card or prepaid card

I attempted to use the XXXX XXXX benefit on my Chase Sapphire Reserve at XXXX XXXX  EST on Monday XX/XX/XXXX. The XXXX benefit is one of the primary reasons I pay for the {$550.00} annual fee on this credit card.

I placed the XXXX XXXX order and was given an XXXX of XXXX XXXX  ( XXXX minutes ) The tow truck did not show up, so after 2 hours I contacted the towing company who stated I was next and it would be XXXX more minutes. XXXX minutes pass, nothing, I call back, same promise. I contact XXXX XXXX  as well who also states to just wait XXXX more minutes. In total, this happened a dozen times, I made over XXXX phone calls to Chase, XXXX XXXX, and the towing company. Each time I was told to wait 30 more minutes and that cancelling would likely elongate the time it would take for a truck to arrive. If anyone had been honest or forthcoming about the length of time it would take I would have cancelled earlier and paid out of pocket. I waited for XXXX hours in XXXX degree heat for the tow truck to arrive, was told I could not leave my car, and to continue to wait. After XXXX hours, I had to pay {$100.00} to have someone pick up my kids from school. Eventually after XXXX hours I gave up and paid {$150.00} out of pocket for another tow truck from a reputable company who was there within the hour. Chase sold me a roadside assistance benefit that left me stranded in the heat for XXXX hours making a dozen empty promises along the way. 

In attempting to resolve the situation after I took care of towing myself, Chase has completely abdicated any role or responsibility. They keep passing me off to third parties, first the XXXX XXXX  partner, and then their third party Claims Administrator. Both of those parties dont understand why Chase tells me to contact them, and frankly I dont either. 3 different parties are involved, everyone insists that its someone elses responsibility and theyre unable to help. Chase is the party who takes my {$550.00} and sells me a bogus benefit, so they should be responsible for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$670.00} XXXX  XXXX {$840.00XXXX XXXX XXXX XXXX {$16000.00}
Product: Credit card

I'm filing this complaint against capital for overcharging me with interest fees and cash advance fees I have came to capital one regarding this issue of overdraft fees that are keeping me behind on my account ending in XXXX I had tried several times to apply for a hardship program I was denied each time in which i don '' t know how as well I reported the charge from XX/XX/XXXXXXXX  of {$140.00} as unauthorized from a card I had lost to capital one no one has gotten back to me and this is the charge they are charging me interest for as well as cash advance fees every time I ask to have some interest charges to be wavied they say they cant do it with no explanation all the money I'm paying to my account is going to interest charges and I can't make the full on time payment because of this issue I'm also have been charged back from another unauthorized charge on my account that I reported from a lost card from XX/XX/XXXX XXXX {$170.00} the claims department claim they need more information I have given them all the information they needed even informing them I do not own a vehicle so the charge is not valid I'm asking for help with this account for a solution.
Product: Debt collection

Company called and told me they were moving forward with the courts and will be garnishing my wages for a debt that was discarded in a bankruptcy. They did not want my attorneys information as they said they were going through with a lawsuit against me. They claimed the debt was from Juniper Bank.
Product: Mortgage

I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.