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

I utilized a non-Frost, XXXX XXXX XXXXXXXX ATM for a {$60.00} transaction. The XXXX ATM did not dispense cash. Upon contacting Frost Bank, I received a provisional credit for {$60.00}. 

Upon completion of the claim, Frost reversed the provisional credit. I then filed a second appeal, which was denied the same day. A letter was sent stating that the original decision was upheld. 

I then contacted Frost by USPS mail, requesting a copy of the documents used during the dispute review. Frost refused to provide such documentation, and sent another letter stating their review was complete and the decision was uphelp.
Product: Checking or savings account

Synovus Bank XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Whenever I as asked the teller to give me a printout of my checking account through the drive thru, one was never given. I would pull off and not get the copy. Also, my daily limit was supposed to be XXXX. On some days the bank allowed withdrawals over the limit.However, the ATM at XXXX XXXX  XXXX XXXX XXXX Georgia either malfunction and my funds were being taken out by someone who had my information because the card was stuck in the machine before I realized it. I went back to the store and one of customers gave me the card. More than XXXX plus was taken from the account. When I realized what was going on from working 12 hours shifts, I reported it to the bank. The bank said they would return my call which took more than a week. I gave them the information as best I could and went about my business. I also asked them why were they charging fees during COVID19? The bank went in and refunded the maintenance fees but not my money because it was so many disputes. A representative called and told me to file a police report. I asked her if I had to pay for it. I also told her that the rep that took my statement said they were going to put it in as fraudulent because saying ATM machine malfunctioning or having glitches sounded suspicious. I said whatever because I had friends tell me that either the machine had a faulty dispenser, worn out card reader, damaged or broken keypad, software glitches or receipt malfunction. The ATM machine I used at the above address did not dispense a paper receipt whereas I had no proof to submit to Synovus Bank. The representative said she would call me back if they needed me to file a police report. No call was made back to me. However, I received the results from them saying the withdrawals are all accurate and no funds charged back into my account. Something happens and I could be wrong but this has been going on for awhile. Yes, I have used the machine in the past but I was completely wiped out of my funds. So if the withdrawals were accurate, then why did they refund the maintenance fees and why has an attorney contacted me saying that Synovus placed charges on customers accounts when they should not have. All I know is that recurring and consecutive charges were made on my account either by the store where I once frequented because I stopped on the way home from work or someone in the bank accidently printed too many charges. The bank says this kind of thing never happen, but it does. However, someone knows how to use a debit card with and without a pin number. The bank says to report these activities and they will cover the charges but they don't. They need to send me the actual investigative report so I can know I was not scammed and who took the rest of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not a complaint but needed to get this updated and there was no link to do so, can u please update the info that I have a credit card now XXXX XXXX XXXX ending in XXXX issued from XXXX XXXX. This will help my score so please boost it thanks XXXX XXXX User XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX and this statement is being composed by me. Per the Fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purpose of consumer reports. I demand the removal of the following accounts and incorrect information : 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 XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the XXXX  and leased another vehicle there should be no payment due. Before I could do anything about this, XXXX XXXX reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. 100 points and I am still trying to get it fixed. Numerous calls to XXXX XXXX, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with XXXX XXXX, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX  {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$22.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexius nexius reporting incorrect birthdate, phone numbers, addresses, and employment to XXXX  and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and XXXX  refuse to correct incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had untilXX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Vehicle loan or lease

In XX/XX/year>, I financed a vehicle through Central Auto Sales. Due to unforeseen financial hardship, I reached out to the company multiple times to request assistance with setting up a payment plan or to discuss alternative options to avoid repossession. I specifically asked for information regarding grace periods, late payment policies, and any available hardship programs, but the company did not provide a clear response or offer assistance. Despite my attempts to resolve the issue and communicate my situation, the vehicle was repossessed without proper notice or the opportunity to explore options that would have allowed me to keep the car. I believe the company failed to provide the necessary support or information to help me manage my payments, which has now left me without a vehicle and in a more difficult financial situation. I am seeking assistance in rectifying this situation.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting XXXX card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and equifax as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the XXXX XXXX by them. I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about zelle and how they handle their dispute process. My financial company and zelle failed to handle these disputes properly which resulted in me losing funds.
Product: Debt collection

XXXX is now run by Synchrony Bank. I am behind on my payments. They call me from phone number XXXX 10-15 times every single day ( even Sunday ). Some of the calls are back to back. They never leave a message, but they should not be allowed to call anyone that many times in a day. That is harassment.
Product: Debt collection

The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX XXXX XXXX I sent a payment ( XXXX money order # XXXX ) via Priority mail tracking number XXXX to Barclays Bank for my credit card, and it was received by them on XX/XX/2023 before noon. 

The Due date of my XXXX statement for the credit card was XX/XX/2023. 

I was still charged XXXX cents for interest charges for a payment made and received on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are not correct are reporting on my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

The company cedar financial is representing a foreign bank called XXXX XXXX XXXX. I had a financial relationship with XXXX XXXX XXXX and they issued me a credit card. After I defaulted XXXX XXXX XXXX have sent me several threatening emails including legal and imprisonment afterwards handed the credit to cedar as debth collector. Cedar has followed the path of XXXX XXXX XXXX by refusing to accept my dispute of the said debth and forcefully posting to my credit records without any acceptance or court ruling on the debth
Product: Debt collection

Upon reviewing my recent credit report, I found multiple accounts that appear to be incorrect and were added without my consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.
Product: Money transfer, virtual currency, or money service

I bought crypto from Robinhood. Everything was fine until I was transferring my crypto to a secure hard wallet. They blocked me from transfering my crypto and restricted me from buying. Its been over a week with no help. They keep telling me they will call me. Ive been waiting for the call. They said it would come from a specific number. It came from a Different number. The voicemail said I could connect with an agent with the reference number they provided me. They never provided me a reference number. The support chat wont actually let me type anything to get help. I just want to get my account fixed. Theyve costed me money by restricting me access to my crypto!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with XXXX and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and XXXX actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as XXXX stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,
Product: Mortgage

Situation : Case involves XXXX Economic Abuses and making unobtainable by denying me the finances that are meant to assist people with Disabilities.

Best outcome for me : o Immediate access to a minimum 65 % of the money that is in escrow now. 
( equals {$40000.00} ). 
o Defendants attorney fees and my medical bills o o ( The rest is negotiable and you can pursue whatever else you think might be available. An unreasonably high LESA Escrow taken from my account at closing, attached to my Reverse Mortgage Program. 
o Due to the punitive action taken By Guild Mortgage ( by not allowing me any access to funds within the equity of my home and of my Reverse Mortgage ), is causing extreme financial, mental, and physical injuries. Without this access to the equity in my house, I can not afford the medical bills that keep piling up for my medications, XXXXXXXX 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 Now I am in a constant state of severe pain, my XXXX  are becoming irreversibly damaged, and I have little hope for a break from these ailments because I have no money because of Guild Mortgage Mental/ Emotional Stress : o Unable to continue my XXXX XXXX according to direction because I can not afford them. I have been in the XXXX  more than XXXX XXXX over the past year - because of Guild Mortgage. The stress caused by the cascading aftershocks of Guild disallowing me access to the equity in my home, has increased my need for XXXX XXXX. 

Guild Mortgage has unjustly disciplined me for my financial situation payments as we approached closing. 

Bills and loans do not care if the Broker and Guild Mortgage have some kind of miscommunication. It is my belief that I have been treated unfairly and economically abused by a company that is withholding {$89000.00} of my equity in an escrow account while leaving me without a dishwasher, a broken range, a garage door that works and without any money to cover my very necessary XXXX XXXX along with treatment for XXXX XXXX XXXX. I am living below the poverty standard. 

( See attached uploaded document )