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

I opened an Ally savings account on XX/XX/2022. The new account had a welcome offer of 1 % up to {$500.00}, meaning a maximum deposit of XXXX. Ally ran this offer up to XX/XX/2022, leaving new account owners with a small amount of time to deposit these funds. After opening the account, I made three transfers over multiple days totaling over XXXX. A day after the second transfer was posted, Ally locked my account out. The reason for the lock was " too much money deposited. '' Now I need to send in bank statements and a selfie with my driver 's license in order to " verify my identity. '' Until then, my account is locked with no access to the money. What kind of a bank verifies customers after they collected XXXX? I am currently stuck, unable to access my account. I would like for this company to unlock my money so I can close the account and get out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my Equifax and XXXX credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both Equifax and XXXX have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
Product: Mortgage

I bought a home through Trident Mortgage. It was a HUD home with FHA 203b with escrow repairs. I was told that I needed to gather estimates for the repairs and submit them before closing. I did all that was required and got estimates for approximately {$4100.00}. At the closing table the mortgage broker that I had been working with told me to have the work done by XX/XX/2018 and wrote it in the closing documents. She told me that the checks would be disbursed within 5 days of the inspection, also clearly written in the contract. I completed all of the work and texted her on XX/XX/2018 at XXXX. She responded Awesome and scheduled the inspection. On Tuesday XX/XX/XXXX at XXXX, I texted her that inspection passed and inquired about the money because I had paid the contractor for the work done because they couldnt wait for the payment. On XX/XX/XXXX she texted we got the Ok to release the funds just sent an email to the title company, to see when they can release the funds I then called numerous times and got no answer only a texted saying Ill call you back. XX/XX/XXXX I received a text saying she left a message for the title company. Through the next week I called and nothing but a return text saying Ill call you back. XX/XX/XXXX sent a few texts but no response. Finally through another half dozen calls she answers and says your not getting any money, we gave you a discount on your down payment Please help with this situation, its put me in a very crucial financial problem. She told me what my down payment needed to be and I came to the table with everything she asked me to. I signed the contract that clearly states Ill get that money and even the timeframe and now Trident Mortgage is breaking the closing contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MINE XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Phone number not available Auto Loan XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXXXXXX XXXX ( XXXX ) XXXX Debt Buyer U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education
Product: Checking or savings account

I logged into Chase bank online portal and I couldn't find my checking account. Upon calling the customer care, I was informed that my account has been deactivated and I can't access the account. I asked the customer care to confirm the reason for deactivation, and they could not provide any reason. Per customer care, my account has been in good standing but they don't know why my account was deactivated. I then asked them to close my account but customer care denied closure of account.
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 XXXX Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX OF 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 reporting

I am filing a complaint on Equifax because I have sent them a request for verification of debt ( I am attaching the letter I sent on XXXX XXXX, 2016 ) on XXXX accounts which I dispute which are currently being reported on my credit file. I asked them to provide me with specifics about their investigation and for a written response to contain those specifics. 
{ XXXX } They have not, as of yet, not responded to my request. It is past the time allowed for them to do so, and I submit that they must delete these accounts from my report as a manner of course, in order to protect my rights as a consumer, under the FCRA. Please ask that they either send me the requested information immediately or remove the accounts listed in my letter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Much of the info Early warning is showing is WRONG! I dispute it ALL ... XXXX XXXX and XXXX XXXX all wrong.
Product: Credit card or prepaid card

On XX/XX/XXXX. I placed and order on XXXX and ordered two gowns from XXXX XXXX XXXX  through the XXXX website I'm guessing XXXX XXXX XXXX  is a third party through the website well anyways I returned the two gowns for a refund and never got a refund I had to report this issue to PayPal since I payed with PayPal and PayPal sent me a temporary credit of the XXXX for the two gowns well now PayPal is siding up with the merchant XXXX XXXX XXXX and telling me I did not return the two items when infact I sent them the proof now I had to file and appeal with PayPal to let them now the two items are no longer in my possession and were sent back to the merchant on numerous purchased PayPal isn't helping me and I'm loseing out on money and I can't report it to the XXXX credit card company because of covid 19 nobody answers and I'm not able to dispute this charge online through the XXXX  XXXX website aswell so I had to dispute through PayPal and yet PayPal is still giving me a bad time
Product: Mortgage

I got a quote for a loan from Interfirst Mortgage, but when that house became unavailable, I targeted a more expensive home. The amount of the loan increased from around {$170000.00} to {$230000.00}, and as a result they said my rate would have to increase. I protested and was told that they would be happy to match any loan rates, if I could provide them with a loan estimate from a competitor. 

Fearing losing the house in this crazy market, I elected to continue, which was a mistake. However, I got a competing loan estimate and provided it to the lender in advance of the closing. At that time, neither of my loan agents answered or returned any of the numerous phone calls I made, and I emailed them several times before and after the closing ( which was XX/XX/XXXX ), and they still have not made any effort to respond. 

Prior to me providing them with the loan estimate, they answered the phone readily, and always responded to my emails. I would have even refinanced the loan with them since they already had all the information, but their complete unwillingness to communicate after I provided the required information just solidifies that this is a dishonest company that never had any intention of doing anything other than giving me a terrible deal.
Product: Credit reporting or other personal consumer reports

Regarding Account : XXXX  XXXX XXXX  ; Account # : XXXX 15 USC 1602 ( g ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX XXXX XXXX, which is reporting inaccurate information on my credit reports. The reported balance owed is higher than the actual amount, payments made are not accurately reflected, and there are significant inconsistencies in the account information. Despite my efforts to dispute these discrepancies, XXXX XXXX XXXXXXXX has failed to verify the debt and provide accurate updates. This is a clear violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Inaccurate Balance Owed : The balance reported on my credit report is higher than the actual amount I owe. There is a clear discrepancy between the reported balance and the actual amount that I have documented. 
Incorrect Payments Made : The payments I have made towards this account are either not reflected or are inaccurately reported. This misrepresentation has caused unnecessary damage to my credit. 
Failure to Verify Debt : I have disputed this debt with XXXX XXXX  XXXX, providing documentation to show the errors. However, they have failed to investigate and correct the inaccuracies on my credit report. 
Violations : Failure to Investigate and Correct XXXX XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to verify and correct the inaccurate information on my credit report after I disputed the account. 
Inaccurate Reporting : The inaccurate balance, incorrect payment history, and inconsistencies in the reported information violate the Fair Debt Collection Practices Act ( FDCPA ) by providing false or misleading information to the credit bureaus. 
Damage to Credit : Due to the inaccuracies in this account reporting, my credit score has been negatively impacted, despite my efforts to resolve the issue. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the reporting of my XXXX XXXXXXXX XXXX account {$13000.00}, including the incorrect balance owed and payment history. 
The failure of XXXX XXXXXXXX XXXX to verify and correct the debt after I disputed it with the credit reporting agencies. 
The violation of federal laws related to credit reporting and debt collection practices. 
Appropriate action to ensure this account is corrected or removed from my credit report if the discrepancies can not be validated. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and correspondence related to my disputes. Please let me know if you require any further information. 

I appreciate your prompt attention to this matter and look forward to a resolution
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Collection account. # XXXX and continues to report that I have a past due balance of {$2900.00} any they have no proof of accuracy and no proof of verification and the amount of this debt is mine. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. 
XXXX Address : XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed letters to Experian, XXXX, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over XXXX days for the required response time. It is actually almost XXXX days and there has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my Identity stolen on or about XX/XX/XXXX. the party attempted to apply for a Synchrony Bank/Paypal credit card under my name. It was denied and my Paypal account was closed. Additionally a hard credit inquiry appears on my XXXX credit report. I have been unable to get it removed. I would like to get it removed. Thanks, XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud. 
Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy. 
The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning. 

It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges
Product: Credit reporting or other personal consumer reports

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are reporting as inaccurate and I dont own any accounts with these merchants and I request to have these unauthorized inquiries blocked and removed from my credit report immediately
Product: Bank account or service

On Saturday XXXX XXXX at XXXX. I deposited XXXX cash in the atm at First Niagara Bank in XXXX XXXX, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me XXXX NSF fees. I deposited XXXX cash into my other account at the same time. and I also got an NSF fee for that account
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check via mobile app for {$2500.00}. This check is from XXXX for sale of some stocks. I expected the funds to be available the next day, XX/XX/XXXX. I saw in my account they were not available. I call Fifth Third, and spoke with an agent who told me they placed a 10 day hold on the check. She said it was because of the amount. I asked to speak with a supervisor. The supervisor advised that there was nothing they could do. She then placed me on hold. She came back on the phone and said they looked at the check to see if they could release the hold, but told me because I hadn't received a similar deposit recently, they couldn't release the hold. 

I feel this violates my access to funds and that certain checks/customers are able to get the hold removed and I wasn't. I believe this to be a possible UDAAP issue as well.
Product: Debt collection

XXXX XXXX & XXXX XXXX are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an installment loan from a company called MoneyLion on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.
Product: Mortgage

I have been trying to get Ocwen to allow me to sell my property through a short sale since XXXX of 2016. Ocwen will not give my listing realtor a letter authorizing her to list the property as a short sale. The XXXX XXXX XXXX XXXX requires that when the listing realtor places the property in the XXXX she has to state whether it is being sold as a short sale or not. And without a letter from Ocwen saying that Ocwen will consider a short sale ( not approve but just consider ), my listing agent can not say in the XXXX that it is a short sale. All we need is a simple letter saying that Ocwen will consider the short sale so that we can list it on the XXXX as a short sale. 
I have submitted at least XXXX short sale applications, just hoping to get Ocwen to say that it will consider a short sale. But of course Ocwen wants a sales contract, so it refuses to respond to me or review my application. But of course I can not get a sales contract or offer because the XXXX does not permit my realtor to list it as a short sale, without the statement from Ocwen saying that it will consider a short sale. 
All we need is a letter, a simple letter, and Ocwen will not provide it. The house is in foreclosure, and I have spent countless hours dealing with short sale applications, dealing with the court and with Ocwen 's attorneys, and no one can get Ocwen to provide a simple letter saying that it will consider a short sale. That 's all I need to allow my listing realtor to move forward.
Product: Mortgage

My mortgage payments are set on automatic and have been since the day i got the mortgage. 
The bank is bbva/compass, the money normally comes out of my XXXX checkings account and gets paid to my bbva mortgage on the first of the month. 

All of this happened in XX/XX/2021. 
On the XXXX I noticed the money had not been with drawn, so I called. They stated everything was ok. 

On the XXXX I looked, the money still had not been with drawn. So they had me make a payment and said that they will reset up automatic payments. 

On the XXXX my checkings account shows that they with XXXX the normal monthly payment {$2600.00} On XX/XX/XXXX I received an e mail stating that I am over due for my mortgage. Additionally I was locked out of my account ( apparently for being over due, I am not sure ). 

I spoke to many people on the phone at bbva, they could not locate where my money was for the XX/XX/XXXX payment, and for whatever reason it felt like they couldnt see my checkings account if they are in the mortgage department despite it all being the same bank. Also they couldnt unlock my account. 

They asked that I make another payment, just so I dont get any over due or missed payments. So i did, on XX/XX/XXXX I made another payment of of {$2600.00}. 

They didnt know where my first payment went, DESPITE it coming out of their own checkings account. I spent about 9 hours on the phone with the bank, i was disconnected and not called back 3 times. This bank is terrible. 

After I got my account unlocked and i showed them - look i made a payment XX/XX/XXXX. They still didnt refund my money, they are making me wait while they do an investigation. What kind of bank does this? They should have fixed it first, it is their mistake. 

I have pictures of everything, including my payments and my over due e mail. Also the late fees i incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX. An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. 

XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. 


XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX  by phone to dispute accounts and explained what I believe transpired. 

XX/XX/XXXX - XXXX  completed dispute XXXX  XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX   {$6800.00} ADS/Comenity XXXX  - they said they reported accurately {$1000.00} ADS/Comenity XXXX - they said they reported accurately {$540.00} XXXX/XXXX  DC - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX  XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX  XXXX  - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I  also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX ADS/Comenity -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. 

XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.