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

I am the Legal Guard to my brother XXXX XXXX XXXX of XXXX, AZ. I have been his legal guardian since XX/XX/XXXX. The Guardianship was set up in the Superior Court of Arizona. At that time, I opened a Guardianship Banking Account for my brother at Chase Manhattan Bank, also in Arizona.

I have managed my brothers affairs for 5.5 years without incident. My Guardianship is renewed annually by the Court. I am on Social Security Administration documentation as XXXX 's XXXX and financial point of contact. I live in XXXX, CA. 
XXXX received COVID payments in XXXX. In XX/XX/XXXX i moved part of his COVID money into a savings account with the assistance of a Chase rep in XXXX, CA. The amount was only {$1600.00}. 
On XX/XX/XXXX ( see attached docs ), Chase placed a HOLD on the account and it has been on HOLD ever since. No formal explanation provided. 
I've visited the Bank several times ( see attached doc showing appointments ) and no one seems to understand why there is a HOLD. Even the local Bank Manager can not figure it out or get someone on the phone to explain. Some " shadow department '' keeps asking for documents i have previously supplied ( Court Orders, etc. ). ' I have requested, in writing, for Chase to outline the problem is so it could be addressed. There has been NO RESPONSE. The money is for my XXXX  XXXX brother 's full time care and should there be an emergency, I can not access it. I am furious at Chase holding the $ $ of a XXXX  XXXX person and not providing a clear explanation to me as Guardian. I'm worried they'll make me get a lawyer to release the small amount of $ $ and legal fees could actually eat it all! I am a competent, educated person and this has me furious and flummoxed. I can't imagine how some, were they XXXX or XXXX, would be expected to navigate this morass of incompetence.
Product: Credit card

Synchrony Bank has for the XXXX time placed a late fee on our account, stating that the account # for our bank is incorrect and they were not able to apply the funds. 
We contacted our bank who verified that the account number was in fact right and thatthey had no excuse for not processing the payment. We get the run around from Synchrony bank, who seems to have a horrible reputation with customers. This bank is predatory and no longer should be able to feed off the citizens of this country.
Product: Checking or savings account

We bank with Bank of America. At times, and seemingly only when large deposit amounts are involved, they will put deposits on hold for as many as 10 days. There is never a good explanation. Excuses we have heard : 1. Can't tell if the paying entity has funds in their account - The paying entity was a multi-million dollar company fulled owned by a large private equity group that used XXXX XXXX XXXX as their bank. 
2. Potential that there could be a history of fraud on the part of the paying entity. - Were unable to share any such example of the paying entity. 
3.
Product: Checking or savings account

Citibank closed my account in late XX/XX/2023 for unknown reasons and failed to mail a check for the balance of {$990.00} nor my XXXX social security payment of {$850.00} that was deposited into the supposedly closed account per the Treasury department. I'm still receiving emails for my account statements, which makes no sense as Citi indicated that the account would be closed within 60 days and a check would be mailed. It still has not been mailed as of XX/XX/XXXX.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Debt collection

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Inquires listed below on my credit report that i didnt authorize : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on XXXX in regards to reinvestigating the accounts that are being reported on my credit profile because they sent my a generic answer " verified ''. Under the FRCA section 609, ( a ) 1 ( A ) by law to verify the method of verification, through the physical verification of the original signed contract and all other forms, and if they can't provide these items, it must be removed. The credit bureaus has not provided me the information that I have requested. Also they are also violating my rights as a consumer under 15 U.S. Code 1692g, they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus Experian, Equifax, and TransUnion due to their continued refusal to remove fraudulent accounts and inaccurate information from my credit report. Despite multiple attempts to resolve the issue and providing all necessary documentation, my disputes have been repeatedly denied, and my credit file remains damaged. 

Here are the details of my complaint : Fraudulent Accounts : I have taken all necessary steps to dispute fraudulent accounts that do not belong to me, including filing disputes with the credit bureaus and submitting supporting documents. However, these fraudulent accounts remain on my credit report despite my efforts. Each of the credit bureaus has failed to adequately investigate my dispute, and the information continues to negatively impact my credit. 

Inaccurate Addresses : Experian has also refused to delete inaccurate addresses from my credit report. I have provided all the necessary documentation to support the removal of these incorrect addresses, yet the bureau has ignored my evidence and continues to leave the incorrect information on my report. This lack of investigation is further damaging my credit. 

Failure to Conduct Accurate Investigations : The investigations conducted by all three credit bureaus have been inadequate and inaccurate. They have failed to properly verify the fraudulent accounts and addresses, which has led to a false representation of my credit history. As a result, my credit file has been negatively impacted. 

I am requesting that all fraudulent accounts and inaccurate addresses be removed from my credit report within XXXX  days of receiving this complaint. The credit bureaus have had ample time to resolve this issue, and their continued refusal to do so is unacceptable. 

I have attached all relevant documentation, including copies of dispute forms, supporting documents, and correspondence with the credit bureaus. 

I appreciate your attention to this matter and would like a resolution as soon as possible. Please let me know if further information is required.
Product: Checking or savings account

I had a temporary fraud scare on my account. It has since been resolved. My bank, XXXX, has confirmed that Robinhood has recalled {$42000.00} of my funds upon account closure. This should have resolved my account balance and moreover resulted in a net positive balance of approximately {$15000.00} over at the Robinhood side. Please investigate from your accounting department where these funds have been allocated to and inform me why I still have a negative balance. 

XXXX has confirmed definitively that this amount has been claimed and recalled by Robinhood. Per my XXXX Consumer Disclosure rights I am kindly asking for transparency on where these funds have been allocated to internally at Robinhood since I still hold a negative balance and more than the negative balance itself was claimed from my bank.
Product: Money transfer, virtual currency, or money service

This morning, XX/XX/2020 at XXXX XXXX, I received a email of a a {$300.00} charge on my PayPal account to XXXX for a gift card receipt. The recipient was named " XXXX XXXX ''. I filed an unauthorized payment dispute with Paypal. I was notified 5 hours later that the charge was determined to be legitimate and the case was closed. 

When I attempted to contact Paypal over phone, I was unable to reach a live person, and was instead notified to contact them over text. I am currently awaiting further news.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4. FCRA section 611 ( a ) Inaccuracies is a violation of my consumer rights. Include 15 USC 1637b consumer law that protects accurate credit reporting. ),
Product: Student loan

Navient Refuses to lower my rates. XXXX XXXX had no problem with lowering my monthly payments. Its gone from being XXXX dollars every paycheck to XXXX a month. I 've go XXXX XXXX kids to take care of and this " resolution '' to them is not what it is. Navient will only lower my payment if I create a modify my loan to a direct loan with them. This sounds very illegal and I have no idea on how to request a different company take over my loan. I would like help in finding out if I can transfer my loan to a more reputable company or get some kind of lower rate on a payment plan.
Product: Debt collection

I just received the bill from you about this account and the company I have never had an account with them at all and don't know where they got my information at all. I would like to have it investigated to where it can be taken care of and my name be removed.
Product: Mortgage

We have had a mortgage with XXXX since XX/XX/XXXX. We have had some difficulties, a bankruptcy in XX/XX/XXXX and a remod in XX/XX/XXXX, yet we have fulfilled every obligation and have been perfect since the remod. On or about XX/XX/XXXX, we received notice from XXXX 's that our mortgage had been sold to Bayview Loan Servicing, I immediately called them and was told my account was not yet in their system, nothing to worry about. I immediately called XXXX 's and was given the same exact story. On XX/XX/XXXX, I went to the Bayview website and was able to register my account, yet unable to make a payment. I again called Bayview, and was again assured that all was in order, no worries. I the emailed XXXX explaining the situation. To date, I have heard nothing from them. I called Bayview and logged into my account on their website several times over the next several days and was given the same story. More calls and visits produced no better results. On XX/XX/XXXX I registered for account alerts, yet nothing changed. I was told to check back the following Mon or Tues. I logged on Tues, XX/XX/XXXX as that was my day off, and was able to make a payment. I then received a notice of payment email that stated my account was not yet set up and the payment could take seven to ten days to post. I immediately called and was told all was good and there was no need to worry. I expressed my fears concerning a late payment, my credit report and fees. I was assured that none of this could happen and their were grace periods and no fees. I stressed their was no need for a grace period as I had made my payment prior to the 'Late '' date and it was not given earlier because they would n't accept my earlier attempts. I logged on the website several days in a row, hoping to see the payment posted. I finally called XX/XX/XXXX and was told that my mortgage had been transferred to Bayview due to my bankruptcy and risk. I asked what any of that had to do with posting my payment. I asked for a manager several times and was belittled and berated each and every time. I was then put on hold for an extended period of time. No one ever returned to the line. On XX/XX/XXXX, I received an email from Bayview stating that I could now view my online account. I logged on and saw that I was now due for an XX/XX/XXXX payment. I finally thought things had been corrected. That 's when I saw the 'Request Payment History ' tab. I thought that was odd language, " Request '' most website openly display your payments. I clicked on the tab in an attempt to confirm my XX/XX/XXXX payment. I was promptly thrown off the site and my password no longer worked. My next business day off is Tuesday, XXXX XXXX and I had planned on calling Bayview the. Today, XX/XX/XXXX I received a paper statement in the mail showing two payments due by XX/XX/XXXX, stating I was behind a full payment. I had made my payment to XXXX in XX/XX/XXXX. I have taken the time to review Bayview Loan Servicing and what I have experienced, and much worse is the norm. I have contacted XXXX, your agency and will be meeting with legal counsel. Please interfere with this transaction. Respectfully submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. XXXX is incorrectly reporting the following details about my alleged account with : Current Closed balance : {$820.00} Original balance : {$6500.00} Last payment : {$0.00} Account status : Voluntarily surrendered, XX/XX/XXXX Settlement offer does not match credit report balance due. 
These details are inaccurate and misleading for the following reasons and must be DELETED IMMEDIATELY. The account shows as " voluntarily surrendered '' in XX/XX/XXXX, which misrepresents the situation. The total purchase amount changed to {$6500.00}, which is why I wanted the merchandise return. Again, this furniture, was surrendered in XX/XX/XXXX, NOT XX/XX/XXXX. The creditor is offering a settlement amount of {$1300.00} and if I pay this, I would have full ownership of the merchandise. If I voluntarily surrendered the merchandise in XXXX of XXXX, how can I have full ownership. I have been harassed by the creditor for 3 years by emails and text messages requesting a payment. Obviously, someone dropped the ball at their end. I was authorized to surrender these items by XXXX XXXX, from the resolutions dept. None of these amounts reflect what the credit agency is reporting on my XXXX credit report. Obviously, someone at your end has dropped the ball. This is clearly a violation of the Fair Credit Reporting Act ( FCRA ), section 611. Correct this error by deleting this account. I was approved for {$2.00} and not {$6500.00}, which is why I stopped payment on all attempted transactions. ( See attached docs. ). I complained about this various times. My name not XXXX XXXX XXXX. It is XXXX XXXX. See attached doc.
Product: Payday loan

XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.
Product: Credit card or prepaid card

XX/XX/2020 ~US Bank Relicard denied atm withdrawal with money in account. 
~Called customer service. 
~was told account is locked. 
~faxed identity information to reliacard after already confirming and needing the account unlocked immediately ~I was told to wait 5 business days XX/XX/2020 ~a week later ~have not recieved fax ~told to wait 7 more business days I HAVE ZERO ACCESS TO MY MONEY AND I'M HUNGRY AND THEY WILL NOT UNLOCK MY CARD THAT SHOULDN'T BE LOCKED ANYWAY. 
reliacard, us bank and unemployment have made zero effort to help me and have waited on hold for hours and hours and hours on end.
Product: Credit reporting or other personal consumer reports

I have had this exact same collections account removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I wrote the following email to the 3rd party collector. I have a SHORT SALE CONTRACT on the property. I had no idea that the 2nd mortgage was sold. IO was NEVER NOTIFIED. 

In response your email I received this afternoon sir and Friday what you're saying really doesn't make any sense. 

Since the short sale, is being held up by the second lien holder which you say is you. How can you say that the QWR has nothing to do with the short sale? When the QWR, has everything to do with the short sale. 

I need the validation that you are actually the second lien holder, how can authorize Trinity Financial Services LLC to get a payment from my first lien holder on a short sale if I have no validation that you actually own my debt. 

Because of everything previously stated this is holding up the short sale. 

I have no correspondence, no notices, no phone calls, nothing on this second lien in over 10 years. I was never notified or contacted in any way by any means on the selling and buying of this note. 

Now suddenly, after all this time, you come out of the shadows put an offer on the table with no validation of who you are. 

I have decided I need to short sell this property. Trinity is well aware of everything that is going on with this property through recent communications with me via email and phone calls, and my negotiating agents.. My realtor and negotiators have forwarded the first lien holders offer to you. You have rejected that offer without showing any validation of who you are. 

You have rejected the first lien holders offer and you want a extra {$11000.00} on the HUD and yet do you want me basically to take your word that you bought my note? 

It seems to me that if you want to put this offer, on the table in front of me, asking for the additional money which equals {$11000.00}, then you need to put forth the validation before we can settle the short sale. Again, this is why the QWR is directly connected to the short sale. No one knows who you are. 

You are mistaken ; this is directly affecting the short sale. I feel like I am being redundant. I feel this is ludicrous. All we need is validation ; you are actually going to put a time frame on an offer, from a company that has not proved who they are. Can you now see how this directly affects the short sale and is connected? 

Sincerely, XXXX XXXX