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

1. It is Synchrony Bank.

2. on XX/XX/2023, Synchrony Bank put a restriction on my saving account and money market account and the reason is to review an activity on the account. I called them and they told my that they want to make sure there is no suspicious activity. It already went through first review and now it is under second review and this could take up to 30 days. 
The whole thing XXXX XXXXXXXX since there is no suspicious activity on the account and they told me that the " back office '' is reviewing this and the back office does not take phone call. They have done this to other customers in the past and I know why they do this : they hold on the money as much as possible to take advantage of people 's money so that they invest in those money. Here is a link to the same problem that other people had in the past : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need your help in resolving this problem as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an investigation letter to XXXX, XXXX and equifax asking about the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXXXXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through XXXX and was removed from their records and updated. However equifax still had this information reporting on my credit as of XX/XX/XXXX. This info has been removed from XXXX and XXXX. Equifax is breaking several laws and their reporting has caused me denials for a home loan. The said information is incorrect. Please remove. This is my 7th attempt.
Product: Credit card or prepaid card

XX/XX/XXXX B of A called to say our card was compromised and would deny pmt to dating services. But still Ok to use card. XX/XX/XXXX I go to charge a airline ticket charge, but was denied approval. I used my sons credit card. XX/XX/XXXX I called B of A for new credit cards be sent to XXXX, Ne where we would be for a funeral. The agent wanted to know who died, if they had a B of A acct? She said she could help with probate and financial fees. I explained that I had no idea of my in-laws finances. XX/XX/XXXX the new cards arrived. XX/XX/XXXX I try to enter new credit card info into our monthly providers. After many attempts, I give up. Worried about our financial credit, Social Security checks being affected, I am frantic. I fly to XXXX after the services. Calling XXXX, the agent informs me that I am XXXX. After being on hold for 75 min waiting for the department that can remove the block, the agent gets back on the line to apologize and says it may take 2 days. Then I get disconnected. XXXX I receive a condolence letter from B of A regarding the death of my husband, XXXX. He is in XXXX helping his mother and not dead at all. I call B of A to find out I am not the primary account holder but he is. By XXXX, I can add my monthly providers with the cc number. XXXX I have a voice mail from B of A Estate dept.?? XXXX XXXX receives an apology letter. I believe Bank of America has unacceptable communication protocol between departments and the agent, who started all this, should be better trained/terminated. Two weeks of hours on the phone with B of A, and Internet hours trying to get our monthly providers paid without affecting our credit score, and wear and tear on my nerves should be reprimanded. Bank of America should be forced to provide an Efficient way of expediting their grievous company error instead of days and in this case weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have had some issues with unknown addresses on my credit file. My SS is XXXX, my DOB is XX/XX/XXXX. I have some misspelling of my name on file that are not accurate ( please remove XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). The following addresses are not mine ,XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX, XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX OH, XXXX. 
I have unknown inquires from the following companies : XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX.
Product: Mortgage

My loan was purchased by another loan company after closing without my consent. I am a XXXX XXXX XXXX veteran, tax exempt in the state of Texas. The new mortgage company said I owed taxes for 2022 which I am exempt. They paid city taxes, etc. I sent over letters from the county appraisal district and the County tax office stating I was and am exempt from property taxes, school taxes, and district taxes. My mortgage company states since they paid the taxes they must wait for the county tax office to reimburse them before adjusting my loan payments. Currently the mortgage company increased my monthly payment {$2100.00} to pay for negative escrow and refuse to adjust although the county tax office has sent letters and assurances they will reimburse the payment made. I am a XXXX XXXX XXXX veteran on a fix income and cant afford to keep making an additional {$2100.00} on my mortgage as I have been since XXXX so I dont get late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, Experian, and XXXX for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing two previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, XXXX. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, XXXX, Experian, and XXXX are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. XXXX, Experian, and XXXX, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX XXXX  tax reporting practices. 
Given the persistence of these violations, I am demanding that XXXX, Experian, and XXXX immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the safety of consumers using the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XXXX of XXXX. Made the regular payments and the account was in good standing until the last payment made on XXXX XXXX. I moved to a temporary residence of XXXX XXXX. I tried to negotiate the past due balance but the account was charged off three months later XXXX XXXX XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XXXX XXXX, XXXX, I received a communication letter from a debt collector. On XXXX XXXX, XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX  any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XXXX XXXX, XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXXk IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me XXXX the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. 

To date, XXXX has NEVER validated the debt nor have they provided the requested information. 

The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. 

This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Product: Consumer Loan

For over a year I have been trying to get resolution for my auto loan mishandling of the title through USAA. I was purchasing a vehicle from my mother. USAA had released {$6000.00} to my mom while she was still in possession of the title, leaving the loan unsecured as I was was stuck paying a car loan in which I could not register or insure. The bank should have taken care of getting the title within 30 days from my mom and issued a memorandum title for me to register the vehicle. Instead I was being harassed that they still had n't received the title. I am the buyer, not the seller. Why was I getting bothered with, " where is the title '', when USAA had released {$6000.00} to my mother ( Seller ) without making sure they had the title in their possession. I was never given a memorandum title and I have been stuck in limbo paying for a car, because I did n't want to affect my credit, I ca n't use. The whole deal should be null and void because of what USAA has done. 

Around XXXX my mom had finally given USAA the title after months of trying only for her to send the title to me with corrections which the DMV would n't take. Due to the strained relationship with my mother and the relaxed attitude to get a replacement title, we had made an agreement with my mom that she was going to take the car back because she did n't want me to have the car because I was no longer family. After USAA being notified that my mom was going to take the car back, USAA and my mom 's shady dealings behind my back left me in my predicament of being left with an uninsured and unable to be registered vehicle. 

Even now that that USAA has gotten the title they have n't sent a memorandum title. I believe they realize they have messed up and are wanting me to ask for the title, so that they are legally protected.
Product: Debt collection

Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Product: Debt collection

Submitted this back in XX/XX/2021 to this site was emailed it was taken care of. And it was removed. It seems to have reoccurred same amount tried written to the address no response back and # on credit report XXXX XXXX XXXX no good
Product: Debt collection

CAPIO PARTNERS LLC XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit card

On XX/XX/XXXX, I received a fraud alert text message from Comenity Bank asking me to verify a pending charge of XXXX from XXXX XXXX XXXX. I responded NO and immediately checked my account for any other fraudulent charges, That is when I noticed a XXXX  pending charge charge from XXXX ( made online ) for over XXXX that was made the day before on XX/XX/XXXX. I made them aware of that one as well ( although the charge posted a few XXXX  later when the items shipped. On XX/XX/XXXX, a package from XXXX arrived at my house which we didn't recognize. My name was on it but the address was for someone XXXX XXXX  away. I immediately took the package to XXXX XXXX police and they asked me to submit a felony fraud form with the XXXX. Soon after we received a text from XXXX that a package would be arriving. XXXX then called to verify my address because they were attempting to deliver XXXX large packages from XXXX ( XXXX XXXX  tires ) but they had my name but with someone else 's address ( My address is XXXX XXXX XXXX XXXX XXXX, XXXX. The address on the packages was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ). I explained that the XXXX charge was fraudulent and that the address they had was the address of the criminal. XXXX said they would return the items to XXXX. The XXXX charge occurred XXXX  on XXXX, XX/XX/XXXX. Then, on XXXX, XX/XX/XXXX the XXXX  fraudulent charge to XXXX XXXX  XXXX occurred, at which time the fraud was reported and the credit card was canceled. To our dismay, the fraudulent charges reappeared on our credit card after Comenity Bank determined that we were responding for the charges. In fact, these charges were but back on our card XXXX  each! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to XXXX, Equifax, and XXXX requesting, validation of XXXX Bank account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX Balance XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I recently applied for a mortgage loan on or about XX/XX/22 with Integrity Credit Corporation ( MLS ID XXXX XXXX XXXX ). During the origination process I detailed my employment and financial history prior to allowing for the brokerage to pull my credit report. I was assured that I could be placed in a loan product as I was already in contract to purchase my home. I was told to pay off over $ XXXX in personal debt in order to raise my credit scores and be eligible for their XXXX XXXX XXXX. At the XXXXXXXX XXXX recommendation I in fact paid off ALL of the recommended accounts as suggested. After 2 weeks of back and forth communication The XXXXXXXX XXXX processing staff communicated that I could not qualify with the income that was provided. The XXXX did not respond to calls, texts or emails when I expressed my disatisfaction with the discrepancies. I have sufficient income, assets, and now increased credit scores. Since the beginning I was pushed towards a higher priced loan option that clearly benefitted the mortgage company and not me as the consumer. In addition, the products that were presented almost 3 weeks after the loan application were 10 % below the promised loan amount financing of 80 %. During the entire process, I never received 1 LE or federal disclosure as required by Reg X, and Reg z. In the end, the XXXX XXXX tool was never used after all proof of paid accounts were provided to the Broker. This was a case of the old bait and switch tactic.
Product: Debt collection

I am being help accountable for a {$2300.00} debt from XXXX University. A company by the name of FMS has been contacting me, even after i explained that i do not owe the school that money. I had a class at XXXX and was able to drop it before the cutoff date in order to received a full refund. My class was never {$2300.00} so i dont even understand where that number is coming from. I have email confirmation that the company approved the refund.. so i do not owe them anything.
Product: Credit reporting or other personal consumer reports

Dispute Letter : -- - *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 ** Dispute of Account Number XXXX To Whom it May Concern : I am writing to dispute the above-referenced account that appears on my credit report. This account was opened illegally by my wife in my name without my consent or knowledge. I did not authorize this shared card, nor did I ever use it.

Under the Fair Credit Reporting Act ( FCRA ), I request that you provide proof of my written consent to open this account and any records of transactions purportedly made by me. If you can not provide such documentation, I expect this account to be removed from my credit report immediately.

Please respond to this dispute within 30 days as required by law. In addition to removing the inaccurate information, I request that you notify the credit bureaus to update my credit report accordingly.

I also request that you confirm receipt of this dispute and notify me in writing of the outcome. 

Sincerely, [ XXXX XXXX ] ---
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, BJSCLUB, XXXX accounts were all payed off and closed,,, with the exception of of my BJ 's card it has a {$84.00} listing when this card was clearly denied when I received the card, the card was sent back and this should show as deleted,,,, all of them shouldn't remains on my credit report all this stuff is expunged.
Product: Checking or savings account

In XX/XX/2021 and since then, I deposited {$110000.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  3 days ago, we got an email that they are going out of business and do not allow any withdrawals. This essentially means I am loosing all the money I invested. This is truly a fraudulent schema.