23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To whom this may concern, I have been suffering from the hardship of being repeatedly denied access to even the most basic checking accounts from a wide variety of banks. I am unsure why this is but the result is I have been having significant financial troubles and for the past 7 months I have been unable to cash any of my checks that I earn as income. As a result, I have had severe financial hardship being unable to afford basic necessities and being unable to pay medical bills. 

Recently, given the fact that I had over {$1500.00} in un-cashed soon to be expired checks, I tried opening up bank accounts again. Simple Bank, a subsidiary of BBVA Group and partnered with The XXXX provided me with an account. 

Because over {$400.00} dollars worth of checks had already expired and I was traveling, I had my mother, with a signed power of attorney, takes pictures of the checks and send them to me. I then used industry recognized signature software to endorse the checks and proceeded to deposit the checks with Simple 's mobile app. I made sure that checks were valid and the routing numbers and signature were clearly visible. I also further checked Simple 's TOU/TOS to confirm that this was not dis-allowed. 

In what appears to be a final and completely one sided decision, Simple, just moments ago unilaterally closed my account and is not answering my calls or questions. Simple simply says " [ I am ] no longer a customer and thus can not receive support ''. 

I take issue with Simple 's actions on a number of levels, not only does Simple actions violate the CFPB 's push for banks to allow checking accounts for all but it also puts me back into a financially precarious situation and I am likely going to face {$1000.00} of checks expiring. Placing additional burden on my already very XXXX situation. 

While the heart of the problems lies within the entire financial industry locking me out from accessing even the most basis checking account, I would like Simple to explain the following : 1. XXXX XXXX of Simple sent me a message saying my account has been closed because " the check you deposited was not valid ''. I have inquired to simple why the check was not valid and further inquired to which check was not valid ( I had deposited XXXX different checks ) and Simple has not responded. Please clarify why the check was not valid, allow me to explain my situation ( I am willing to provide any additional documentation ) and re-open my account. It appears as though Simple did not even try to process the check so it is unclear why the check was invalid. 
2. ) Please explain to me how I am supposed to pay medical bills if I am unable to cash valid checks. In this situation Simple is making a very inhuman decision to limit my access to earned monies while simultaneously refusing to explain their decision. Please offer solutions or methods which I can cash the checks. 

You may contact me at XXXXXXXXXXXX or via mail at XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 

Sincerely Yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On experian the negetive axcount is still on on my report i have a fedwral trade identity theif report on file it supposed to be removed off report
Product: Debt collection

Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the XXXX XXXX XXXXXXXX on the day XXXX, in addition calls under different names such as XXXX being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the XXXX bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.
Product: Credit card

On XX/XX/XXXX I purchased a king size top of the line XXXX mattress from a Mattress Firm store. Total purchase price financed through Synchrony Bank/Mattress Firm was {$5900.00} which I had 5 years to pay off interest free. I was making $ XXXX payments for over 2 years for a total of {$2500.00} on auto pay. The balance due after that is {$3400.00}. Within the first year I realized that the mattress was so defective that I could not sleep on it and started sleeping in my guest room on an old bed for the second year that I had it. I was terribly ill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which started in XX/XX/XXXX. I needed a lot of extra sleep and my old mattress had springs that had popped through making it impossible. I was so sick that it was hard to get out of bed. Hence my delay in contacting Mattress Firm only to find out that I had to do my warranty claim directly to XXXX via email. I started that process in the fall of XXXX and received and email response from XXXX on XX/XX/XXXX, Claim # XXXX. I had to take several photos of the XXXX mattress and send them off via email. They kept saying that they weren't good enough and that I needed to send more. This has gone back and forth with them until XX/XX/XXXX when XXXX changed my claim # XXXX. Meanwhile I was calling Synchrony Bank having to restart new disputes every month. They failed to tell me what they needed for documentation and even sent me a letter stating I'd have to file a form with them which they never sent. I've been in touch with them ever since I made the claim witht mattress company and XXXX XXXX. They keep denying my disputes and then restarting them. They finally told me that they needed proof of all of my documents to XXXX which they received on XX/XX/XXXX, Document ID # XXXX. Now when I call the bank, they put me into the que after pulling up my account and then I have to start all over with a new person. Meanwhile they have mailed me numerous rejection letters denying my claim in favor of the merchants. They have ALL of my info on my account and yet tell me that they need to research more. Leaving me on hold numerous times and then putting me back into the que is harassment and nothing but a denial of my dispute for a very defective mattress. I've had trash people haul it away after giving both mattress companies a chance to come pick it up. They denied that they would do so.
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 : Acct # XXXX, XXXX Bank XXXX Acct # XXXX, Credit XXXX Bank XXXX Acct # XXXX, XXXX Bank : Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # : 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 XXXX 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: Mortgage

I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

My experiences with this situation has been very rough due to the damage of my credit.
Product: Money transfer, virtual currency, or money service

I reached out to the company in XX/XX/XXXX because the information was on my credit report. No response from company and no resolution. 

Tried contacting in XX/XX/XXXX and XXXX of XXXX, still no resolution.
Product: Debt collection

I have never been a patient or used the services of XXXX XXXX XXXX ( XXXX ) XXXX. However, the company has sent an account that does not belong to me to a collections company named SYNERPRISE CONSULTING. The collection company has since reported to the credit bureau that I have an outstanding debt and it appears on my report as a negative account which is causing a denial of credit. I have contacted both the clinic and collection company demanded to have the account removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}
Product: Debt collection

I had closed my accounts with wells fargo in XXXX and received a notice of debt cancelation in XXXXXXXXXXXX XXXX XXXX for the tax year XXXX. I had no idea that I had any account with them still or any debt. There was no communication from wells fargo since XXXX  If I had any accounts with them still open or debr with them they should have communicated this with me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Transunion regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX, XXXX and Transunion because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX, XXXX and Transunion has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number XXXX. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/2024, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX, XXXX and Transunion to comply with the FCRA. Ensure that XXXX, XXXX and Transunion either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX, XXXX and Transunion. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX correspondence between myself and XXXX, XXXX and Transunion regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

ask the three credit major credit reporting agencies XXXX, XXXX XXXX, experian to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that there was a " check by phone '' loan opened in my name in 2017. I disputed this with the creditor and with the credit reporting agency. 
ACCT NO. : XXXX ACCT BALANCE : {$360.00} ( this is with interest included ) ORIGINAL BALANCE : {$300.00} This was NOT me, I had a slew of loans and accounts opened in my name around the time of this happening. My email was hacked as well as my bank accounts. I have reported this previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, Equifax and XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company continues to report my previous mortgage ( XXXX ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.
Product: Mortgage

To whom it may concern, I am to receive A XXXX time {$5000.00} XXXX XXXX credit on my 6 year anniversary date which was 2 months ago. XXXX transferred my loan in XXXX 2015 to Nationstar. XXXX had me submit all the appropriate paperwork to them in regard to the incentive payment. Nationstar told me I would be getting the {$5000.00} in XXXX 2015. 
No credit has been given by Nationstar to date. They do n't seem to be able to tell me anything but they are still researching this matter. I cant seem to get anywhere and I 'm very frustrated. They place me on hold for an hour every time I call and it is a waste of time.
Product: Mortgage

Wells Fargo has sent a notification that they are threatening me by not allowing to payoff my loan per the schedule and over my remaining payments. My loan term is through XXXX but I have made early payments when I could. They are insisting that I pay it off 4 payments/4 months early. If I do not pay off they will take the money from my escrow account to payoff my balance and my recording fees. This is causing undue hardship as I must set aside {$300.00} per month for property taxes regardless plus their payment of 4 principle payments early plus recording fees totaling {$470.00}. Instead of my normal payment of {$400.00} I need XXXX this month to cover my expenses. This balloon payment was hidden and not fully disclosed at the time of my loan.