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

I received an ACH deposit on XX/XX/2024 from my publishing company ( who has previously sent ACH deposits to this same account ) to an already closed checking account that I had with Synovus. The checking account had already been closed prior to the deposit being sent, so Synovus kept assuring me that it had been sent back to the depositor. Fast forward, I was finally able to speak with someone from Synovus who also failed to understand why the funds from the ACH deposit were unable to be located not only by the depositor, but also all previous employees I'd spoken with from Synovus. She informed me that the funds had actually indeed been accepted by Synovus, although they normally wouldn't have accepted them due to the funds being deposited to an account that had already been closed. She also informed me that when the funds were accepted, some were used to pay a balance that was owed, but the remaining funds were and are still being held and investigated. After 6months of persistently trying to find out the status of this specific deposit, I learned that the entire time they had been sitting with Synovus and the remaining balance after paying what was owed should have indeed been mailed out to me via check but failed to ever be mailed due to some type of " investigation. '' If this were the case, then why was the TOTAL amount not immediately held and investigated and not just the remaining balance after accepting/taking their owed amount first if there was some type of real concern with the nature of the ACH deposit? With me no longer being a client of Synovus, nor having an owed balance, how are my funds STILL after 6 months having and being hidden, being held and not rightfully disbursed to me. On top of continuously not informing me of any information about when I would be able to receive them or why they're even being held. It unacceptable, unprofessional, and unfair especially with the fact of this was not the first ACH from this specific depositor. I would like to be able to obtain the remainder of my finances from Synovus asap with the intentions of no longer ever having any ties or dealing with them in the future. Their way of conducting business and handling clients is completely unacceptable and simply sad!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX
Product: Debt collection

First data merchant keeps reporting an account that was open as an identity theft. I have made several phones call to them to let them know that this account doesnt belong to me. I have never owed a company or business, i have never signed any agrement with them. On XXXX I received an email from an employee named XXXX XXXX , telling me that in order for them to complete the investigation, I would have to send the dispute forms, copy of my driver license, and XXXX blank papers with my signature on it. I sent everything except the XXXX blanks papers because I told her that I didnt feel secure signing on blank sheets, but she insisted and told me that I was going to be responsible for the accounts if she didnt get them by the end of the month. I have copies of all these emails because I dont think its fair or legal for a company to ask a person to sign on a blank sheet and send it via email. I dont know what they will be using my signature for.
Product: Money transfer, virtual currency, or money service

My mother-in-law sent money from her account with XXXX through XXXX to my account with Bank of America that was never received. I used the phone number XXXX that was linked to my XXXX account and my Bank of America account. I received a message and a confirmation number to find the funds. The bank kept stalling telling us to wait. My mother-in-law filed a claim with her bank to retrieve the money. They gave her the transaction number and the name of the person 's account it went into. We took the information to the bank and they told us that they can't go into someone's account and get the money back even though we have proof of thwhere the money was suppose to go, transaction number, and confirmation number. It was a mistake made by the bank and we are not getting any help to get the money back. They keep referring me to her, telling her bank to file a complaint and we've already done that. The amount lost was {$410.00}.
Product: Credit reporting or other personal consumer reports

My credit report contains accounts that are presently under legal review, as they are involved in pending litigation. These unresolved matters are negatively affecting my credit score despite being open cases.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 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.

This company 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 befor
e 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: Mortgage

I have complained persistently about the unscrupulous actions of my mortgage servicer. I applied in XXXX 2014 for a home modification mortgage due to my factual circumstances that are also permanent. I am a XXXX woman who receives Social security XXXX as her unearned income source. This income is not taxed as I provided proof to the loan servicer. I have supplemental income from XXXX and Food staps that are also unearned income sources. The total of all is a gross income of $ XXXX.per month. Bank of America refuses to abide by FHA federal guidelines for any modification and is stating I have only options to leave my hoe. Have it foreclosed upon and suffer bankruptcy. I have paid monthly payments according to FHA guidelines whereas the escrow is paid first then the principle or interest is secondary. My timely monthly payments have been ignored bu the Servicer and they failed to report y monthly payents to FHA and to the dredit agencies and my credit as a result has suffered negative reports. FHA has been wrongly notified that my payments are in arrears 13 months. this is false and BOA is now attempting to foreclose and denying me fair treatment to have any modification based on my TRUE gross income of unearned income. BOA unfairly grosses my income up 25 % and then offers a unrealistic trial offer of payments to modify y mortgage based on untrue income. My XXXX can only be used for food. My XXXX is permanent. My unearned income is not being calculated fairly and my rights as a XXXX person, single person and a woman are being violated and I know they are discriminating. XXXX XXXX IL filed a discrimination suit against BOA for unfair mortgage tactics to borrowers. Please look into this. I want resolution and my XXXX Rights as a homeowner who can not move with out funds, justice or credit. I deserve to be able to live in my property without threats of foreclosure when BOA fails to report the truth. I have taken Financial counseling with XXXX, as they also are aware of my affidavit sworn of my true circumstances, XXXX and all my expenses that are valid cost of living. I am being penalized by BOA for being XXXX and alive.
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Debt collection

Our son had an XXXX procedure done X/XX/17 at XXXX XXXX XXXX Medical Center in XXXX XXXX XXXX Florida. We made an arrangement for a XXXX dollars a month payment. We had this agreement in writing and it is in the XXXX XXXX XXXX computer system. We made timely payments. In early XXXX we received a letter from Central Financial Control trying to collect on this debt. They said the {$50.00} payment was not a formal agreement. It is in writing and in their computer system. I feel they should honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Equifax in reference to the two collection account 's listed below. By submitting a debt validation letter, there way of responding is verified. No real account information which allows me to confirm the debt has been forwarded to me. It is my right to be provided proof regarding any information in my credit file. So then I forwarded a method of verification letter, the response to that is they are not going to keep investigating the same thing unless I submit more relevant proof. I am not asking for a re investigation, I am asking you to provide proof that this is my debt & how you came to such a conclusion. 

Opened XX/XX/XXXX Account Open Original Creditor Name CXXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview Highest Balance {$830.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute mentioned above that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a owe amount in loanmax title loan. I reported my car was damage in XXXX and for that reasons I cant continue to do a payments. We tried to setup payments plans in the past and they are not agree with that they want the full amount of {$2000.00}. Monday, XXXX, XXXX XXXX I received text to inform me I can pay {$1800.00} to setup my account with the XXXX stimulus payment. Message say LoanMax : Let us help! Take advantage of XXXX XXXX deal now! Call XXXX XXXX XXXX XXXX pay only {$1800.00} to get your title back! 
They don't say how long can I have to deal this amount. But the XXXX XXXX is for this XXXX stimulus started this week. I was agree to pay that amount and more because is less and I am going to resolve this situation. But for my surprise when I was shopping thing for my baby they reposed a car XXXX XXXX XXXXXX/XX/XXXX without notification. I was XXXX XXXX XXXX, with a XXXX XXXX in my hands and with all items of my baby in the car ( XXXX XXXX ). Now they said I cant receive my items until after 4 days, I have items in the car was cost money also my breast feed pump for my baby and all her clothing. I was in XXXX, I from XXXX XXXX without a car and in the street. Just they took advantage with all of this situation they offer me settle the account for {$1800.00} and no past XXXX hours they reposed a car. They said they send a letter on XX/XX/XXXX and I never received that letters. I contact XX/XX/XXXX to corporate office and they said they have XXXX different letters on the mail with XXXX different amount but I did not received nothing until now. They lied and took advantage to me because they don't give me a chance to deal with the XXXX stimulus payment. About XXXX year ago when I lost everything and start my XXXX I said to them you can come to pick up a car and they said is not like that you need to pay a money we don't want your car back. They discriminated me because they don't believe they left without transportation XXXX hours from my house, without my baby items and with a XXXX XXXX and a XXXX XXXX on XXXX XXXX. Just I am agree to pay what they offered {$1800.00} and they give me my car back. I never received a letter from them and I dont sign any certificate letter to reposed a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer.

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

According to : 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, According to : 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: Debt collection

This company LVNV Funding which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

Experian continues to inaccurately report an account with XXXX XXXX XXXX XXXX on my credit report. Upon contacting XXXX XXXX XXXX, they have stated ( in writing ) that they can not locate any account under my name or associated account details. Despite their inability to locate the account, they continue to report this erroneous information to Experian. Experian is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information they report. Continuing to report an account that is not recognized by the creditor is a clear violation of this responsibility. They continue to claim the account has been " verified '' but refuse to provide documentation of who they have verified the account with. They are illegally reporting an account that the company themself have claimed to have no ACCURATE knowledge so they can not LEGALLY report accurate information monthly. How can Experian verify and update an account that XXXX can not verify and deletes to not continue to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..
Product: Credit reporting or other personal consumer reports

I am writing to formally address the inaccurate information you have reported to consumer reporting agencies regarding my account, reported on XX/XX/year>. This erroneous reporting has caused significant harm to my character, reputation, and overall quality of life, severely affecting my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has directly impacted my livelihood. 

Under 15 U.S.C. 1681s-2, as a furnisher of information to consumer reporting agencies, you have a legal duty to provide accurate information. Specifically, ( a ) ( 1 ) ( A ) prohibits you from furnishing information if you know or have reasonable cause to believe that it is inaccurate. 

Moreover, the IRS clearly defines a charge-off or canceled debt as income, which does not belong on a consumer report. Reporting this account inaccurately misrepresents my financial status and is, therefore, misleading. 

You are hereby put on notice that you are furnishing incorrect information. If the amount of canceled debt exceeds {$600.00}, as per IRS regulations, you are required to file Form 1099-C and provide me with a copy. Please send my Form 1099-C to the address listed below.

In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you must cease reporting this inaccurate information immediately. I have formally notified you of these inaccuracies, and your continued reporting is a clear violation of your responsibilities as a furnisher of information. 

This is your final opportunity to rectify this matter. I demand that you delete this erroneous account from my consumer reports. You have 10 calendar days to comply with this request. 

Thank you for your immediate attention to this issue.
Product: Debt collection

The debt belongs to my son and they refuse to remove it from my credit bureau information
Product: Credit card or prepaid card

In XX/XX/2019, I applied for an American Express XXXX XXXX card and 1 hours later called Amex to cancel the opening of the card. The card was never sent or activated. 
3 months later, with better credit I applied again directly on American Express website. 

During the 2nd application process on their site it never told me they would NOT honor the 15 month 0 % purchase APR all other cardholders get.The site only told me I would not receive the cash intro promo. This is false advertising. Had I been told directly on the page I was NOT going to get the Delayed interest APR I would not have applied. FALSE ADVERTISING. 
I