23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have deposited {$3500.00} using drive thru ATM on XXXX. The ATM machine gave an error and the amount was not deposited into my account. I went to the branch on XXXX and they confirmed that the ATM was over by the same amount ( {$3500.00} ), but they said I have to file a claim to get my money back. I filed the claim and submitted the receipt I have from the ATM confirming my account number. Unfortunately I did not receive my deposit although it has been over a week. I visited the branch 3 times. First they said it takes 1-2 business days, then 3-5, and then 10 or more days. I decided to submit this complain since the bank is not transparent and not cooperating. I am worried that I may not get my deposit, or may get it but with a significant delay. With the current COVID situation and it's impact on all financial situations this is very frustrating. 
Bank : TD bank Branch : XXXX XXXX XXXX, XXXX, MA XXXX Complain # XXXX
Product: Credit reporting or other personal consumer reports

Equifax is wrongfully, publishing a 30 day delinquency on my XXXX account in XXXX on credit report. I set up two months of deferred payments. I want this changed to paid as agreed or deleted.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CITICARDS CBNA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

XXXX  XXXX  XXXX
Product: Credit card

I believe that Synchrony Bank has fraudulent closed my CareCredit  account. I have been making payments, however they have closed my account and insisted that it will remain closed for non-payment. Additionally, I have been charged late fees on this closed account. This account continues to accrue additional finance charges.
Product: Debt collection

Synchrony Installment is violating multiple laws and my rights as a consumer. They or reporting incorrect information to the credit bureaus the account balances across the bureaus or not matching or the same. They or constantly calling my phone and sending certified letter exposing my personal business. Creditors is calling before XXXX they or mailing stuff and one the envelope they or disclosing who they or..Accuracy of the account is not correct across the credit bureaus
Product: Mortgage

I 'm in the process of a short sale on my home because this was the only option Bank Of America gave me. I use to have my XXXX loans with Bank of America ( XXXX and XXXX liens ) NOW while negotiating my short sale Bank of America went ahead and sold my servicing rights to XXXX. NOW XXXX who is my first lien holder approved my shortsale BUT is only giving Bank of America who is my second loan {$6000.00} and Bank of America wants {$12000.00} to release. As of this morning Bank of America has stated that they will NOT work with us in closing the short sale because they want {$12000.00}. Is this legal for Bank of America to do? hold me hostage to foreclosure?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX XXXX XXXX XXXX : $ - ; If Experian feels there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research account I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian does not provide any records & claims the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I took a loan with this company and then had an emergency arise before I could pay them back. I have a lawyer on retainer and am in the process of filing for Chapter XXXX bankruptcy. On XX/XX/XXXX, I  pre-empively emailed them my attorney name, phone number, address and chapter number before they initially contacted me. On XX/XX/XXXX I was contacted by a collector attempting to collect a payment. I informed her that I was filing bankruptcy and she said they tried to contact my attorney but got a voicemail. ( They have to leave a message and the attorney office will contact them. ) Again, I gave her the information including my attorney 's e-mail address. On XX/XX/XXXX, I was contacted again and they still claim they can't get the information. I explained to the collector that they have to leave a message and the attorney handles it from there. Again I provided all information they required. After hanging up with them, I immediately called the number I provided them, and it works fine. On XX/XX/XXXX, I received another call from the collector asking for payment. I again gave them the information. I also informed the collector that this is harassment because they are calling daily and I am cooperating every single time they call. I informed the collector that I would be filing complaints with the appropriate agencies. She apologized and said she was forwarding the information to their legal team again. Now today XX/XX/XXXX, the same collector calls me this morning attempting to collect payment and telling me they can not get ahold of the attorney. I asked her how they expect to reach an attorney on a weekend, and she proceeded to tell me this was from a few days ago. I informed her that I just gave her the information yesterday ( Saturday ) She had nothing to say to this. I again informed her that she is violating FDCPA laws, and that I was filing complaints and sending in a cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Mortgage

In XXXX, XXXX we were sent our XXXX mortgage statement from NEW REZ, showing an increase from {$940.00} monthly payment to {$1000.00}. Upon calling NEW REZ there explaination was that this was a hypothetical guess at our taxes for XXXX and that this increased amount would continue well into XXXX, to at least XXXX. WE ARE SENIORS. WE HAVE A SENIOR TAX FREEZE WITH THE COUNTY WE LIVE IN. What right does our mortgage company have in raising our monthly mortgage unconditionally because of their tax guessing game. We told them that we have a Senior Tax Freeze, which got no reasonable response from them. They are in fact putting our money into their pockets on a pure guessing game about taxes, and taking it from us during a COVID crisis, a legitimate tax freeze, and our good record of never being late with our mortgage payment. The previous mortgage company we had, which sold our mortgage to New Rez, pulled a similar outrage by not putting enough money into our escrow for taxes, and then charging us more. The bottom line with this complaint -- -We have a Senior Property Tax Freeze, and it is outrageous that New Rez isn't considering this in their ridiculous and costly guessing game.
Product: Debt collection

I received written notification of an alleged debt in XXXX of 2020, and requested a validation of the debt. The company failed to provide the requested validation. 

It has now been over 120 days since my request for validation of the debt.
Product: Checking or savings account

I signed up with Chase banking services to take advantage of a promotional offer giving me {$900.00} if i started a new checking account and savings account and credit card account and funded both the savings and checking account within a specified time frame. the have blocked every transfer over {$1000.00} to fund the account to make me unable to meet the requirements to receive the {$900.00} promised by the bank. They rejected the first $ XXXX transfer from my other bank. When I called Chase they claimed my other bank rejected the transfer and it was out of their control. After contacting my existing bank XXXX XXXX XXXX they had told me no transfer was known to them or rejected by them. I called chase the next day and they claimed the " ACH transfers were not safe and would lead to hackers stealing all my money if i tried the transfer again '', I told them this was not true and i know how the ACH system works. They rejected my next transfer of XXXX again. I tried again to fund the account with XXXX which is in process. The next transfer of XXXX was also rejected then they DELETED my link to my other bank so no further transactions could ne initiated to fund my account. NEVER did they call me or the other bank to verify. They only rejected my transfers and then DELETED bank account link to make funding the account possible. I need XXXX in my savings to meet their requirements and XXXX in my checking and XXXX in my other checking to pay bills safely without an overdraft. They are cancelling every method of depositing money so they wont have to pay me another {$600.00} which was promised after funding my account. They also held my first mobile deposit of {$2000.00} which was a payroll check for 2 WEEKS! they are attempting every scam possible to prevent me from meeting the requirements of receiving the {$900.00} promised to me for funding all these accounts with sufficient amounts by the date they require! 

This is a bait and scam tactic to get new accounts without paying anyone the full amount they had promised as an incentive to join Chase.
Product: Student loan

ive had XXXX servicing my loans for almst 18 yrs. in XXXX unknown to me and without notice XXXX took over, raised payment from XXXX to XXXX and changed amount owed from XXXX to XXXX. now its navient servicing. Ive been unsuccessful in getting a income based repayment plan like the one I had with XXXX for the last 3 years. Ive faxed in documents approx 6-7 times over the period. All they do is issue forebearances and keep raising payment amount and loan amount. These are loans from XXXX. In XXXX my loans were consolidated without giving me notice that the clock would completely reset payment period. 
I need assistance asap on getting on a income based repayment plan and not having the clock reset after 12 years of good standing. I didnt authorize XXXX or navient to service my loans and do not want them as my loan servicer. i get nonstop calls and or emails every 3 months on forbearance over. I explain the problem to them they appologize, give me a govt student loan tel that is worthless and continue same behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hesitant about filing this complaint because I want further errors to appear on my credit. That said, my name is XXXX XXXX XXXX not XXXX. I have submitted a copy of my birth certificate, drivers license and social security card and Experian credit bureau continues to report 10 INCORRECT SPELLINGS OF MY NAME!! This is very frustrating because i also have 7 accounts on my credit along with addresses that are not associated to me and after 3 years ... ... the information remains on my credit. I also heard of stories like this and it hit home when I discovered it was happening to me. I have filed a complaint with the CFPB AND THE FTC. I hope the matter gets resolved soon. I want the following names and accounts removed from my consumer credit report XXXX XXXX XXXX- I don't have a middle name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have been placed on my credit in ERROR- they were not originated by me XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX Desired Resolution : Correction to a credit report Desired Outcome Remove in correct spellings of my name and DELETE/REMOVE unknown accounts and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has taken over the credit monitoring function from XXXX XXXX XXXX XXXX a very ethical firm, catering to military personnel.. As soon as the transfer was completed, I was placed in to a paid service which was never ordered and it took three demands to be removed from the scam. We are harrassed by daily solicitations for phony products and my three attempts for " opting out '' have been ignored. An attempt to cease have been fruitless. Discussion with call-center agents and a supervisor ended in long waits and abusive reaction. A phone request to speak with Customer Service at the California headquarters resulted in being transfered to an " agent '' in XXXX XXXX, who had no understanding of my problems. This corporation was fined {$3.00} Milliion by  CFPB in 2017 for similar fraudulent actions and there has apparently been no improvement in policies since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX or Experian report so I am filing a complaint. They only responded to the XXXX compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Product: Vehicle loan or lease

Received a payoff quote from Honda Financial Services. Paid that amount prior to the date requested. Then received a letter requesting additional funds and missing documentation. Contacted Honda and explained that they cashed the check for the amount requested and documents were sent to the address on the payoff quote letter. Was told that was the wrong letter was provided therefore wrong address so documents would have been shredded and need to be sent again. In addition, sales tax was also owing because they quoted for a dealer payoff and not consumer. Sent to documents - overnighted at an additional expense. Honda continued to request lease payments and add charges. XXXX and XXXX from Honda both stated that lease was no longer in effect that the payoff was " in suspense '' waiting for the remainder of funds. No workout could be given even though twice the monthly lease payment was still owing. Remaining funds overnighted and received on a Monday morning. Checked account on Tuesday and nothing was posted to account. Contacted Honda again and was told anything sent to their overnight  address would take 48-72 hours to process. Call back on Friday. Friday is actually 96 hours after Honda signed for overnight package. At this point, crossing my fingers that all will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax,   XXXX   and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry s top going into my credit report.
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 Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

There was a direct deposit for my payroll sent to Spruce Money on XXXX. I have the transaction number, however, its now been three days
Product: Student loan

My student loan service provider is EdFinancial, and I called them on XX/XX/22 to receive a refund for {$7800.00} from payments that I made during the pandemic. I asked them how long it would take for the refund to be processed, and they were not able to give me an answer. Other providers have been able to inform their callers about a 30 day wait, but EdFinancial has notoriously been telling their callers 150 days. When I called, they did not give me an answer at all. The representative said that theyve been advised to not give an estimate. This is unacceptable in comparison to other providers. I also asked for a confirmation code or receipt that my request was submitted, and she said that they could not give me one. Now I am completely in limbo and all I have to go off of is other peoples poor experiences, which was them being told 150 days. There is no reason why a refund should take so long, especially since the wait now prolongs my application for the new debt relief program.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX  XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the
credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation