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

I funded a high yield savings account on XX/XX/XXXX through BMO Alto. The amount I funded was {$5900.00}. I then about a week and a half later on XX/XX/XXXX tried to pull {$3000.00} back into my linked checking account for personal reasons. XXXX then froze my account because of potential fraud and I was prompted to reset my password to get back into the account. After resetting my password I was not allowed access back into my account. I was also prompted to provide documentation at this time to try and reverse the freeze but was not allowed back into my account to try to provide this documentation. I gave it some time to see if this was just a possible glitch and I could sign back in later. Then on XX/XX/XXXX I called customer service to try to get back into my account and they gave me the number to call the fraud department which was not open on the day. The following day on XX/XX/XXXX I get an email that my account is now closed. I call customer service back and they see that my account did in fact close and that I would see my funds transferred back into my linked checking account. It now becomes Friday XX/XX/XXXX and my funds had still not been transferred back to my personal checking account. I then call the fraud department and explain the situation and they tell me that I am no longer considered a customer with XXXX  and I would not have access to my money that was promised to be transferred back to me. They said if I think I need to be compensated that I should contact my bank that I used to fund the account to get any money back.
Product: Checking or savings account

I had got a new phone number and was unable to add my new number to my account as it was associated with someone elses account, even though I had verified ownership. I was unable to access my account at all until they closed it and continue to give me generic responses about how they cant help me.
Product: Credit card

Synchrony Bank Verizon VISA has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened 7 weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR.

Verizon Bill Pay website shows I have made the following payments XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX} VISA XXXX XXXX} VISA XXXX XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA XXXX XXXX VISA  There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are at fault. 

I WOULD LIKE MY BALANCE XXXX XXXX TO THE CORRECT/CURRENT CHARGES WHICH ARE XXXX PER MONTH AND NO OUTSTANDING CHARGES. 


It has been 8 months now with NO HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.
Product: Checking or savings account

Requested Credit/Refund : {$270.00} + {$12.00} XXXX Transaction date : XXXX/XXXX/XXXX | Reason : Overcharging/Service Not Received. Dear Sir or Madam : I am appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I paid for the 1st month but did n't continue occupying space the 2nd month as I moved out, yet was billed for the 2nd month anyway. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead, I was told to contact the owner on his personal cell phone number to resolve. Yet he never answered, nor returned my phone calls. Immediately, I sent my dispute to SUNTRUST but it went ignored. I filed a dispute online which disappeared from the Claim Management Center and I provided details with it. I had to then call and have it re-opened or make a new one. I know SUNTRUST received the claim form recently faxed regarding this transaction. From mentioned dispute.. all I got was a letter on XXXX declining it months later because it says that I did n't file on time. SUNTRUST closed my prior disputes without contacting me but I did file on time a long time ago. Besides this, on XXXX I deposited 2 checks from serving Jury Duty but both checks bounced. Thus, I was charged double " returned fee '' of {$12.00} for each deposited check. I didnt realize Court payments for Jury Duty could be rejected. Had I known, I would n't have deposited. The amounts of the check were {$15.00}. and {$30.00}. for which I was billed fees that take most of what I earned from Jury Duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i opened a dispute with Transunion about XXXX XXXX adding a collection to my credit file in the amount of {$1800.00}, that dispute end with Transunion deleting the XXXX XXXX account from my credit file on XX/XX/XXXX. 

On XX/XX/XXXX i discovered XXXX XXXX  had been re-inserted into my credit file after being deleted. Transunion is required to notify me within 5 days of re-inserting a previously deleted item. i did not receive such notification. Please delete this item immediately.
Product: Debt collection

This debt is very old past 7 years, these companies buy and sell this account and this company keeps on reporting it Midland Funding
Product: Credit reporting or other personal consumer reports

* Account Number : XXXX Account name : XXXX XXXX Complaint Details : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the charge-off listed under [ XXXX XXXX XXXX XXXX reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

* Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit that do not belong to me I need these off my credit report I have a notarized affidavit with an FTC regarding this and I have been disputing these accounts since XX/XX/2020 I just dont understand why the bureaus are not answering back or helping me out regarding this matter I am getting frustrated XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Report XXXX I filed a report with the police department I also contacted the credit bureaus in particular TRANSUNION what I received was an incomplete investigation under thirty days and a response that states this Ironeous debt from heritage was verified. 
I questioned there verification process and I believe I am being ignored I asked for an original signature neither TRANSUNION or the creditor heritage can provide me with a copy of the original signature and or even the original credit application this leads me to believe TransUnion did not validate this debt as mine and they refuse to delete it from my report this has caused me more XXXX  and I am already ill. 
I have a police report that was filed, I have been ill in the past and I did not always check my credit until recently nevertheless I should not have to go thru this and more evidence needs to be completely documented with actual proof. My rights are being violated under section623 and I have no choice but to seek legal Action. 
And with covid it was difficult to get out and file a report sooner due to the pandemic as I checked my report as a whim and recently saw this on my report.
Product: Debt collection

When I moved out of my apartment I was told I would only have to pay for the carpet which was around XXXX an maybe some other damage. The manager told me I would receive the bill and my security deposit in 1 week but I didn't receive anything and couldn't get ahold of the manger after that. 3 months later I get a call from a debt collector saying I owe {$800.00} from the apartment that I was never notified about. 

The property owner is XXXX XXXX and the apartment is called XXXX XXXX. The debt collector is National Credit Systems.
Product: Mortgage

I occurred hardship over the past year due to divorce and applied for a loan modification to lower mortgage payment during community property and divorce settlement process. 
Original modification request XX/XX/XXXX. All documentation sent in. 
XX/XX/XXXX, I reached out to citizens who stated that I had to start a new request and resubmit all info and needed to email certain documents to a particular email group. After following up several times it seems " no one has received some of my emails or The ones we just opened exceed the 30 day window and you need to resubmit them. These were sent over 4 times with the email verified as well. 
XX/XX/XXXX, online account confirmed all required info was received and packet complete and wait 30 days for review. 
XXXX XXXX, I contacted for update and they stated I should receive letter in the mail re : decision XX/XX/XXXX, couldnt access online account and mortgage account closed via credit report. 
XX/XX/XXXX no communication from them. Multiple attempts and several hours with customer service on hold. Disconnected with no follow up. 
XX/XX/XXXX, mortgage statement owing $ XXXX and info on how to apply for assistance. 
XX/XX/XXXX, credit score dropped to Poor. 

Calling customer service requires a day off of work, as you are on hold of the time speaking with various customer service representative very broken XXXX. Not to mention, Im repeating the same information over and over to each person they connect me to. After several hours, it is guaranteed that the phone will get disconnected. Beyond frustrated and stressed out is an understatement. This financial corporation its more than incompetent.

On top of this extremely stressful situation with divorce and custody, I still have not gotten anywhere with the lowering of my mortgage payment, have an unacceptable credit score, and fear the loss of me and my childrens home. And now most recently, attorneys fees that are going be associated with getting this resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ABILITY RECOVERY SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX RE : Disputed Account # XXXX I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Product: Credit reporting or other personal consumer reports

Incorrect address reporting on my XXXX credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX takes long to update my credit report update each month and as well i have inquires that was not authorize on all 3 bureaus
Product: Money transfer, virtual currency, or money service

Ria Financial heavily advertises their online and telephone app money transfer services to lure customers to their store front locations where the fees are much higher than advertised for the online service. I open an online account and tried first to do a transfer to my boyfriend in XXXX for cash pick up. They allowed me to enter all the information including the payment information and when I approved the transfer, I was directed to call a telephone number, where they proceeded to tell me to go to the store instead because this country has experience high fraud. I proceeded to do my transfer with a different online service without issue. A few days later I tried my RIA account again but this time sending my money to my boyfriends bank account a more safe and obviously not fraudulent process. Again I was allowed to go through the entire process only to once again direct me to a telephone number to call where I was told the same story, best to go to a RIA store to do the transfer because if it turns out to be fraud and is done online they are responsible to refund the money but if it is done at the store they are not. If this is indeed true this is preposterous but in any case this company is engaging in bait and switch. Subsequently I read many many reviews of other customers going to the same process sending money to many countries all over the world, all high fraud, best to go to their store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over and over I have had contact with XXXX in regards to an installment loan that they wrongfully put under my name without ever running my credit report. According to them I would be added as a card holder with no obligation on my end due to my partner having the membership with them.. after several attempts they have continuously put wrongful information under my credit report, yet completely removed the inquiry from my partners credit report on Experian. Im not understanding how its still on mine and yet I was not the main account holder ... my credit report was never allowed to be run!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX  ACCOUNT # XXXX
Product: Credit card or prepaid card

On XXXX XXXX at XXXX. At XXXX I used my personal debit card to load and put {$400.00} on a Netspend prepaid card. The cashier said to call customer service to register the card. The customer service was closed at that time. I called XXXX when they said they will be open they still was closed. Over the automated machine with netspend customer service I was not able to say my complete address and answer other related security questions to register and utilize this card. I have {$400.00} on the card and need to be able to use the money on the card right away. My number is XXXX XXXX.
Product: Credit card or prepaid card

XX/XX/21 I was given a America Express Serve " gift card '', went to use it XX/XX/21 American Express had already taken 1 of the money from the card. When people go into XXXX or any store to buy these gift cards they are not aware that the money they put on these cards is not going to be the full amount that the person is going to receive. This is so unethical, and frankly thievery! I will be telling everyone to be aware of his Fradulent activity. American Express is really taking advantage of people!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to all three bureaus XXXX experian and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorizeXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have purchased a {$250.00} gift card for Google Play. I paid cash for the gift card yet google prompts me to upload an image of the gift card, receipt of purchase, and a picture of my ID in which I immediately do. We are going on 2 weeks and Google has tied up my money and not allowed me to use my gift card purchase. I am getting a Bureaucratic runaround and no evident action is being taken. Please assist.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of Equifax Data Breach. I demand to remove those accounts or I will file a litigation.