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

On XX/XX/21 I received a letter from Synchrony Bank stating my account was closed. My account XXXX XXXXSynchrony XXXX  ending in XXXX was in good standing. My account was never late, I always paid over the minimum, and the card had a XXXX balance at the time of closing. The reasons stated for closing my account are incorrect and/or do not apply to me. These reasons also infringe on my right to control my own finances. Here are the reasons : 1. Not Enough Balance Paid down over time on Student loans. 
My student loan is " paid as agreed '', is not over the 30 year allowed term, and currently not in repayment due to a government shutdown of payments. This is not a valid reason. 

2. Delinquent or Derogatory Status on Accounts is too Recent.

I have NO delinquent or derogatory accounts on any of my 3 credit reports. I have a total of 74 accounts NONE are delinquent of have been in the last 7 years. I also have XXXX dollars in usable credit and only 18 % utilization. This is not a valid reason 3. Not Enough Balance paid down over time on retail accounts. 
I have 39 cards and mostly only use 6 personally and 2 for business. Synchrony Bank has a right to protect their interest, but not the right to dictate how I use my other finances. My report does not reflect that I have NOT paid, or missed a payment on any of my Retail accounts. This is not a valid reason. 

4. Too Many Inquires. 
The amount of inquires on my report are less than the amount that was there when they originally approved my account. This is not a valid reason. 

Synchrony actions has affected my over all debt to income, and my lower my credit limit. This have affected my overall financial rating with future lenders, and my standing in the business world. Synchrony violated my rights as a citizen who has control over his finances, as well as their user agreement. I believe I was targeted because I'm a minority and Synchrony felt I would not fight back. I spoke with the Supervisor ( XXXX employee # XXXX ) who lied and stated I needed to dispute this with XXXX. The reasons 1-3 above do not appear on my report, there is no way to dispute what is not true. The Supervisor deliberately lied in order to not address my complaint, as well as showed a great disregard to my complaint and injury. I want my account restored to it previous status before it was closed.
Product: Mortgage

Wells Fargo Home Mortgage put me in a payment suspension program 3 months ago, even though I did not need it. I was not suffering a hardship from Covid 19. I not only haven't missed a payment during the 3-month forbearance, I've actually made 3 additional mortgage payments in that time period. On the Wells Fargo website, it is stated that I can end the payment suspension at any time. THAT IS A LIE. I have requested that the program end multiple times, and they still have not done it. In addition, because I am still in forbearance, my mortgage account statements are not accurate or transparent. The information on my statements appear to be based on a strange and questionable accounting program devised by Wells Fargo. What credible reason could Wells Fargo possibly have for their obscure accounting, as statements should be accurate at all times. I have questioned WF executives about their accounting and I've been told repeatedly that the statements will be adjusted at a later time. What kind of BS is that? I am requesting again, that I be taken out of the payment suspension program. I also expect Wells Fargo to provide me with an updated and ACCURATE mortgage statement. It doesn't say much for the credibility of Wells Fargo Home Mortgage that I have to address these issues through Consumer Financial Protection Bureau..
Product: Checking or savings account

I have had several accounts with Self and they continue to keep my deposits, not give any valuable consideration and when I have instructed them to return my deposits they refused. They instead put that deposit into another account and immediately started charging erroneous fees. This is not a contract or relationship that is equal, fair or clear and concise and I no longer grant this company any rights or powers over my account. They have continued to not operate in good faith. They have stolen my interest and my consideration, attempted to take all my rights and powers and abuse me.
Product: Debt collection

The information provided in the previous complaint by this company is false. I DID NOT go into the office and return keys on XX/XX/XXXX. That is not my handwriting and misspelled name on the provided key return paperwork. XXXX in the office and I exchanged emails on XX/XX/XXXX in regard to the notice to vacate paperwork. ( The emails are attached below. ) My electric service was disconnected at that address on XXXX ( email from electric company below ) I also have email proof that I was already in my apartment and had submitted maintenance request for my new unit prior to XX/XX/XXXX because i was NO LONGER in XXXX. **Reference in the Texas Rules of Civil Procedure : Rule 510.8 Judgment : If the court rules in favor of the tenant, this rule outlines the judgment process. If the judgment is for the tenant, the case is dismissed, and the landlord is not granted possession of the property. ** if the court rules in favor of the tenant, the landlord can not evict them, and the tenant can continue to live in the rental property under the same lease terms, unless other legal issues arise. *** THE JUDGE RULED IN MY FAVOR SO IT WAS ILLEGAL TO COME BACK AND TRY TO EVICT ME THE SAME DAY THE JUDGE RULED IN MY FAVOR. 8/31 Texas Property Code, Chapter 92 Residential Tenancies Section 92.103 Security Deposit Return : If the tenant vacates the property before the eviction date, this section requires the landlord to return the tenant 's security deposit within 30 days unless there are damages or unpaid rent. The landlord may only withhold part of the security deposit if there are documented damages beyond normal wear and tear, and they must provide an itemized list of the deductions. ( I WOULD LIKE AN ITEMIZED LIST OF DAMAGES THA T EQUAL 2846. THE UNIT WAS NOT DAMAGED WHEN I LEFT. AT MOST THERE WAS A BUNK BED LEFT THERE AND THAT IS COVERED IN " CLEANING TRASH ITEMS LEFT BEHIND ) Also why am i being charged a reletting fee when there was an eviction filed. What is DAMAGES.? 60 days notice not given ... .wouldnt that be what the reletting fee is? I have attatched all proof that i was not in XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX
Product: Debt collection

I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number. 

I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.
Product: Checking or savings account

Since the migration of the AXOS Invest product to their website on XX/XX/XXXX, no withdrawals or transfers have been possible. I have been attempting to withdraw funds for over a month. I contacted support after my request was not filled and was notified my investments have not yet been sold and they have no ETA. Nothing has been transferred weeks later. Keep in mind the market is extremely volatile, so my account balance is decreasing during this time. There is no way to determine when funds will be sold or the value of the underlying funds when trades are executed. I desperately need this money. There are over 19,000 other people in the same position.
Product: Credit card or prepaid card

On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,
Product: Debt collection

Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full to the XXXX XXXX urgent care. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 6802 - Obligations with respect to disclosures of personal information. I am exercising my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as provided under the Graham-Leach-Bliley Act. I do not wish my nonpublic information shared with nonaffiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 U.S.C. 1681 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 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 conviction of crimes which ante date 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

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. 

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  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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

After attempt multiple request for a copy of my credit report\credit files. The company failed to send me free copy of my credit report under Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX SC, XXXX XX/XX/XXXX Last 4 of SSXXXX : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX
Product: Mortgage

I have had multiple conversations and hours on the phone with personnel acknowledging overpayments in fact on my account and say they have to escalate it to get it resolved and then nothing gets resolved. Freedom Mortgage XXXX I am behind 1 payment yet when you look at my payment history from their site since my XX/XX/XXXX refinance, I have made 28 payments with additional funds showing yet since XXXX they tell me I am behind, this was the month that they also generated XXXX XXXX statements and show 1 payment sitting in a suspense account that they will not recognize. XXXX XXXX and funds in suspense attached. 

Inquiry sent today XX/XX/XXXX and XXXX  : Hello, I am asking again that my account be reviewed and corrected. I have made 28 payments since I refinance in XX/XX/XXXX. My payment history attached from your site and my bank records reflect that. However, you have put funds in suspense in XX/XX/XXXX that total 1 mth payment. The next 2 months I paid additional to catch up on the XXXX loan amount that I was not aware of because I am set up for auto pay through my bank. I am not behind on my account. Please apply funds in suspense to my account. Again, the attached pmt record is from your site. 

Thank you in advance, XXXX
Product: Checking or savings account

On XX/XX/2021, I attempted to transfer the amount of {$2500.00} between XXXXXXXX XXXX and Wells Fargo bank. The funds were withdrawn from XXXX Bank on XX/XX/XXXX. The transaction was declined and marked as " fraud '' on XX/XX/XXXX by Wells Fargo, even after I cleared it with the bank first that it would not be an issue to transfer funds directly between banks. 

On XX/XX/2021, I received an email that the transaction was mistakenly flagged as fraud. In the email, it states that a woman named XXXX XXXX was to be managing my case, but yet there is no direct contact to her listed or any resolution provided. Additionally, she never reached out to me again, which the email also states she would do. 

I then went into the bank in person to file a complaint on XX/XX/XXXX in XXXX, PA because I was moving to Texas and I needed access to the funds immediately -- that is why they were being deposited. Management at Wells Fargo was not knowledgeable or capable of carrying out their function as staff, and they were not able to help me and told me I had to wait up to 5 business days for the funds to be re-deposited. This is my rent money. I waited the 5 days and proceeded to call back multiple times. It is now XX/XX/2021, and I STILL do not have access to my {$2500.00} or a resolution. I have called into the company over XXXX separate occasions and have been hold on the phone for greater than XXXX hours total, speaking with multiple representatives from Wells Fargo ( XXXX and XXXX being two of them ) and nothing has been done. 

It is completely unacceptable after filing multiple formal complaints that we are now going on the third week, and the {$2500.00} is missing from my account. I was promised on I have taken every step as a customer to ensure I get the money that I deposited put into my account. It is my money and I am entitled to it. Wells Fargo is not doing anything to solve this issue, and I will now be seeking legal counsel in addition to filing this complaint with the consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, a credit card was open under a different name using my personal information. I was unaware. I called Comenity Capital Bank. They closed the account down, now I have to get this matter resolved because it affected my credit.
Product: Credit reporting or other personal consumer reports

FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS. 

On XX/XX/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 computer-generated 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX ( XXXX California XXXX ) ; 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. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, 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 XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), 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: Checking or savings account

I am writing to formally address a recurring issue with overdraft fees being charged to my account over an extended period. These fees have been applied despite the absence of sufficient funds in my account, a situation that has compounded my financial challenges and left me in debt on multiple occasions. 

I believe this matter warrants further review, as the fees have significantly impacted my financial stability. I would like to file a claim regarding these overdraft charges and request a thorough investigation into the matter. 

I kindly ask for your assistance in resolving this issue and exploring options for reimbursement or adjustment to my account. Please let me know if additional information or documentation is required to proceed with this claim. 

Thank you for your attention to this matter. I look forward to your prompt response.