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

just contacted the synchrony bank to report fraud charges done by someone else other then me
Product: Mortgage

XXXX of XXXX I applied for forbearance due to covid 19. I was under the understanding my payments would be put on back end of my mortgage ( my original mortgage ) and no interest would be accrued during forbearance period. I was on forbearance 6 months. When I started my payments again, I gave Wells Fargo {$5700.00} to apply to my escrow because I understand my taxes and insurance still need to be paid. My brother gave me these funds. So now its XXXX of XXXX and Wells Fargo has put a lien on my home, stating i owe them {$12000.00}. I believe they are charging me interest for those 6 months of forbearance, which is against the law. I was scheduled to close on sale of this home today and now I cant till all of this is cleared up. I have already moved out of my home because the title company just found this one day before closing. I am homeless now till this is resolved! WELLS FARGO IS DOING WRONG!!! And now it is costing me!! Please, please help me resolve this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a charge-off with the following details : Creditor Name : XXXX XXXX Balance : {$3800.00} Credit Limit : {$3000.00} There are several inconsistencies with this accounts reporting that I would like to address : 1. The payment history for this account shows 120 days late in both XX/XX/year> and XX/XX/year>, which is contradictory to standard reporting practices. Delinquencies should progress monthly, and this repeated status is inaccurate. 
2. The account was charged off in XX/XX/year> but still reflects an active balance affecting my credit utilization at 129 %. A charged-off account should not continue to impact utilization unless explicitly agreed upon in the original contract. 
3. The reporting timeline appears manipulated, as the charge-off was delayed despite prolonged delinquency. 

Under the FCRA, all information reported to credit bureaus must be accurate, complete, and verifiable. I kindly request that you investigate this account with the creditor and provide supporting documentation to verify its accuracy. If the information can not be verified, I request that the charge-off and all related negative marks be removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with Equifax, XXXX XXXX and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be
Product: Money transfer, virtual currency, or money service

I have reported numerous times about money being not available to me but it shows online. XXXX XXXX  later its gone and no one is Available to talk to at cashapp but a BOT
Product: Debt collection

I have received multiple calls from Portfolio Recovery even though I told them to stop calling this number. Since I have told them to stop they have called me at least five times and the latest was a few minutes ago ( XX/XX/20 XXXX XXXX ).
Product: Credit card or prepaid card

I have continuously tried to pay my bill online and by phone. The website statement that pops up is We're sorry. A technical glitch occurred and your request could not be completed. Please try again. 
When you call there is a recording and then hangs up - there is no options to even speak to an operator.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Money transfer, virtual currency, or money service

Account SYNCB/PPC WAS OPENED XX/XX/14 BALANCE TOTALLING XXXX HAS BEEN REPORTING TO MY ACCT. i NEVER HAD ACCOUNT WITH THIS COMPANY. i HAVE DISPUTED INFORMATION WAS POLICE REPORT MULTIPLE TIMES, IT CAME OFF AND THEN 2 MONTHS LATER WAS READDED TO MY CREDIT PROFILE. THIS ACCOUNT WAS FRAUDANTLY OPENED UNDER MY NAME AND INFORMATION
Product: Payday loan, title loan, personal loan, or advance loan

I provided a written request on XX/XX/2024 for Fundo LLC to stop ACH withdrawals from my previous bank account as I change banks. They responded and acknowledged my request. Despite this they are still taking payments from this old account causing overdraft fees, and they are not stopping the ACH.
Product: Checking or savings account

Bank of America keeps sending me an email from time to time asking me to pay an amount I do not owe. 

Around the beginning of 2019, I got a call from them asking me about a massive overdraft on a checking account that was not in use for a while, I advised them those transactions were not made by me and therefore were unauthorized charges, they said it should all be okay then. 

After a while I still received a notice from them to which I reacted and called them to very why was I being charged all this money on an account I wasnt even using, they said fraudulent checks where deposit and cashed out of my account and that they were investigating but I shouldnt be concerned if it wasnt me, so I forgot about it. 

Then I recently logged in to my old email account where I found a monthly email from them about this. I do not owe this money and have no idea what kind of scam this is, so I figured a complaint would be my only option now. 

Please see below the email they send me. 

Account number ending in : XXXX XXXX XXXX : This is a reminder that your deposit account has been charged off after being overdrawn for several months. The total amount due is {$6100.00}. 

Youre still responsible for paying this amount in full. 

What you need to do You have several options for paying the amount due : Call us at XXXX, Monday through Friday XXXX XXXX  to XXXX XXXX. XXXX to pay by phone. 
Make a payment at a nearby financial center. 
Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. 

We're here to help We appreciate the opportunity to work with you to resolve this issue. If you have questions, please call us at XXXX, Monday through Friday XXXX XXXX to XXXX XXXX. XXXX. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Thank you, XXXX XXXX
Product: Checking or savings account

Between XX/XX/2019 to XX/XX/2019 Navy Federal has charged my account over 10 overdraft fees. I followed their procedure and submitted unauthorized debit forms in order to have the transactions investigated and they have not investigated any transactions. As per their policy they refund the funds until their investigation is complete and Navy Federal has simply been uninterested since the beginning in resolving any of my concerns which is why I am making a point to make my concerns known and will continue to do so.
Product: Checking or savings account

On Thursday XX/XX/year> I made a cash deposit into one of their branches ATM of XXXX dollars cash and the ATM screen stated they can not process the transaction and could not return my money! When I called customer service they said it takes 10 business days for the dispute and would not put the money in my account until it was investigated! That is unsat and has never happened to me at any other institution and thats my rent and bill money. This is totally unsatisfactory. Do not use PNC Bank. They will take your money.
Product: Credit card or prepaid card

On XX/XX/XXXX, the Employment Development Department ( EDD ) of California paid me unemployment insurance in the amount of {$12000.00} through the debit card administrated by the Bank of American. After I withdraw about {$8000.00}, the bank closed my debit card for identity reason. I completed verifying my identity through EDD by XX/XX/XXXX, but the bank continued to keep my account closed and refuse to release the $ XXXX fund to me. From XX/XX/XXXX to now, I called the bank many times but they always insisted that the fund is with EDD. The EDD says that once the fund was deposited into the debit card, it is controlled by the bank. I think what the EDD says is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-XXXX XXXXXXXX approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX  from my credit report. I was never late. 

2- Collection account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account 3- remove an address from my account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. I lived in Florida for the past 4 years. I am veteran, XXXXXXXX XXXX XXXXXXXX. This is bringing stress on me. I dont want to loose what I worked so hard for. Experian is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Product: Debt collection

A lawyers group called XXXX XXXX XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX XXXX nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XXXX. 
The credit card was supposedly used in XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting

I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.
Product: Credit card

I had a transaction with XXXX which was not a valid and true sale, I reached out to XXXX who told me to contact my bank because they have no history of the order. When I tried to reach out to my credit card provider US Bank they resolved it in the merchants favor.
Product: Debt collection

I have sent several letters to all three credit bureaus asking for them to remove a debt from National Credit Systems, after they have failed to validate that the debt belongs to me. All I am getting is " this account is verified. '' HOW? How, is it verified when you can't send me a signature, a lease, or anything! The creditors name is XXXX XXXX XXXX, for the amount of {$2300.00}. I most recently asked XX/XX/2017. They still can not prove that this debt belongs to me. By saying that it is " verified '' is not enough proof that this debt is mine.
Product: Checking or savings account

I contacted Marcus 2 days after the maturity date of my CD passed ( XX/XX/year> ) and found that the funds were still being held at Marcus. I had received no notification that there was any issue. When I called, I was told there was a security hold and there was a case number, but they could see that there was no further action attempted ( like to contact me ). I was then told that they needed to check the validity of the bank account ( XXXXXXXX XXXX ) where I had instructed them to send the funds. This is despite my having sent funds to XXXX at least 3 times within the past year. They spent an hour contacting XXXX and verifying the account again with me on the phone, and then told me the funds would be released yesterday. They even reported what the amended balance would be, which added 2 days ( {$3.00} ) of additional interest to the approximately {$11000.00} balance shown on the Marcus account page.

I understand that it could take 1-3 days for the funds to actually appear at the receiving institution once sent, but when Marcus continued to show my CD as active on my account this morning, I called them. They told me that the CD was NOT yet closed, but was in the CLOSING process and the funds were not sent as reported would happen yesterday. After getting a supervisor on the phone ( took another 30 minutes ), she told me today that it would take another 3 business days for them to complete the process.

It makes me wonder if there is a cash flow problem with Marcus, and if there had been any valid security concerm, they could have easily looked in the account history and seen the prior transfers to the same account. The excuse seemed made-up.

I was left to believe that there is something wrong with their banking processes that is causing them to hold my funds long after the maturity date. I have no idea when the funds will actually get transferred to my receiving bank.
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 : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
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 Account XXXX Account name : XXXX XXXX  Account XXXX has violated my rights. Or 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: Credit card or prepaid card

I have got a new active cash card from Wells Fargo. I called a customer service representative to inquire if I had spent enough to get the opening bonus andand was told that I had completed the {$1000.00} spend for the {$200.00} bonus and I just had to wait. At this point I had more time to finish the spending but I stopped because they confirmed. 

However now I call back and was super rudely told that I only spent {$980.00} and was not eligible. Even though customer service told me that I was, they are now refusing to give me the bonus. This is the most horrific customer service experience I have ever had. I spent more money keeping in mind that I would get the rebate and they are refusing now.
Product: Vehicle loan or lease

I am concerned not only with the balance on my credit report with Prestige Financial being incorrect and as to how it is reporting on my credit report. I have sent several letters out to Prestige Financial in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked for Certified Letter with return receipt, reinstatement letter, notice of sale, as well as how much the vehicle was sold for and any possible deficiency letter. 

The only response I got from them was changing my XXXX   report from closed to repossessed in XX/XX/XXXX and XXXX   and XXXX shows a charge-off balance of {$22000.00}. The main issue is I took a loan out for around {$18000.00} in XXXX this vehicle was repossessed in XXXX and it was also sold in an auction. Prestige appears to be charging me for the original loan amount, fees I am not aware of, but has not reduced the true amount of what this vehicle was sold for which would have reduced the amount that would have been owed on my credit report. Instead they are trying to make money twice by selling the vehicle and not giving me the requested documents I have been asking for, for over 3 years as well as trying to make me pay a higher price than the loan amount, after selling the vehicle and not providing a deficiency letter. 

Due to no responses I contacted XXXX, XXXX  and XXXX  to notify them of the discrepancies and the account remained the same. No response from them. Please assist! 

This account is not only reporting incorrectly but their are a lot of discrepancies, such as the payment history. Each report is showing different payment histories as well as, current balance is higher than the original balance on all reports. All 3 of the credit bureaus are also reporting different statuses. All 3 reports are showing different last payment dates.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/2024. Please remove it from my report as soon as possible. I am a victim of Identity Theft and these accounts are not mine. Please help me and please freeze my report if possible.