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

Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card. 
On XX/XX/17 i deposited another XXXX into the account. 
on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.
Product: Credit reporting or other personal consumer reports

i have orginaly disputed tems over 2 months ago let equifax know I am a victim of ID theft sent police case number, id theft report and i ourchased XXXXXXXX XXXX  to check credit and they havent done anything inquiries stillthere and inaccurate information. i tried to pull my report with my annual and it wont allow me they have already broken the 30 day law i havent recieved anything in the mail either
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or XXXX XXXX on this day. I recently paid off XXXX XXXX and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with Chase Auto Finance. After repeatedly contacting Chase directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. Chase did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from Chase called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess Chase made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
Product: Credit card or prepaid card

I have a Paypal Mastercard through Synchrony Bank. I don't know the exact date I opened the account but it's no later than mid 2017. The problem I'm have is that Synchrony holds my payments up to 14 day ( and generally for the full 14 days ). I have contacted them about it numerous times. They will periodically release a payment but most often refuse to. My available credit is {$12000.00} and the card is used almost exclusively to pay for XXXX XXXXXXXX. The cost is {$37000.00} per month and I pay for it in increments of about {$10000.00}, pay off the card in total and then do the next payment for the XXXX. 

I have a history of over three years of using the card for these large purchases ( XXXX ) and making frequent and or large payments. There has never been an issue of a payment being late or rejected. My history with the card is perfect and my credit score is almost 800! 

Because they hold these payments, I'm unable to do the purchase of the medication in a timely manner. Synchrony told me they hold larger payments over {$2500.00} so I've made payments under that amount. {$2400.00} one day and then {$2000.00} the next. Then I was told they hold payments when they are made on multiple days too close together. I've talked to a supervisor who was rather rude and dismissive of my issues, only to say there's nothing they can do ... it's our policy! 

The payments are made from my online account with Synchrony 's "  pay your bill '' option. The payment is linked directly to my bank account. It's not a paper check that needs to be processed through the bank. I contacted Paypal ( because it's a Paypal Mastercard ) to see if they had any suggestions. I was told that my payment to Synchrony goes first to Paypal, they verify that the payment is in fact good ( the money is in the bank ), and then they send it on to Synchrony. With that in mind, I can see no reason for them to hold any payment when it's already been verified as good. When I asked the supervisor about that she repeated the same thing ... it's our policy! 

By the way, there have been times over the years that larger payments ( up to {$5000.00} ) have processed in a couple days so when they say they hold all large payments, it's not accurate. 

I have asked Synchrony what if any thing I can do to resolve this. They say there is nothing. 

I am beyond frustrated and angry. I realize this is legal according to the Truth in Lending Act but it sure seems immoral. I can't imagine that I have no recourse but it appears I don't. Filing this report is a last ditch effort to get something changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Equifax 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

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

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from experian and XXXX
Product: Credit reporting or other personal consumer reports

I paid the collection amount of XXXX XX/XX/XXXX they told me this will be removed from my credit profile they sent me a deletion letter and receipt of payment. The account has not been removed from my credit profile. This has been disputed multiple times and has come to no resolution. Thursday XX/XX/XXXX I spoke with an XXXX rep who told me there was nothing she could do because the company said no they are not removing the account from the profile. She gave me a number to call with a name. Friday XX/XX/XXXX I called the company and she told me its the Bureau thats supposed to remove the account because they submitted it to be removed. She stated the person XXXX gave me does not work there and has not for years. She continued to get hostile with me as Im telling her I understand and was trying to get clarification on the issue. It has been 5 months NothXXXX has been resolved and the account is still on my profile. If this person has not worked there for years where is XXXX getting the information from? It seem as if XXXX is not taking the proper action or XXXX is not conducting a proper investigation of the documents submitted.
Product: Credit card or prepaid card

I had ongoing issues with payment portal on PayPals card and also had issues with calling. The payment portal would not load and kept giving me errors and when I would call it would say it was invalid. I though I had set up automatic payments so I could just not deal with spending hours trying to load in or call to make a payment each month but it didnt seem to have worked. I was then sent to collections with no warning and my card and account was removed from the app.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and found the following fraudulent inquiries : XXXXXXXX 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
Product: Debt collection

Received a notice from Revco Solutions about a debt owed from XXXX XXXX. I asked for verification of this loan via their website. A letter was sent with a date of service that I never visited XXXX. I am in the XXXX system so visiting XXXX would be rare. The document sent to us did not indicate insurance payment and itemization. I want to see my signature signing off to this debt and payments received along with insurance payments if this debt is true.
Product: Mortgage

New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. 
*** # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). ***We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. ***On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. ***Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? 
*** # 2-Ditech creatively posted our first XXXX payments to remove the late fees. ***Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. ***Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. ***Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. 
*** # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. ***While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.
Product: Mortgage

I am try to get a letter from my mortgage company so I can get a payment from the government. They will not call me back and said they wont talk to me. I am trying to make arrangements to get a payment and they are not working with me. My mortgage company is select portfolio they keep giving me the run around and wont help me and talk to me. They have the worst customer service ever.
Product: Debt collection

I requested on XX/XX/2023 for debt validation with my original contract and wet ink signature. The request wasnt met therefore I want the item removed and immediately dropped to XXXX balance.
Product: Credit card

It's a brand new Capital One card. I made my first payment when due and then another payment some days later. I received confirmation that the payments were received, processed and posted. When I went to used the card it declined. I looked up my availability amount and it no longer reflected the previously paid amount. I called to inquire why and was told they put a hold on my payment due to fraudulent looking activity ( but never contacted me ). When asked what looks fraudulent, I was told because I made back to back payments. I was told they will not release the funds for 6 days and was advised that I shouldn't make payments outside of the due term time. I'm being punished for paying my bill more than asked? And being inconvenienced by not having access to needed funds. I told them its fraud to show and confirm that my payments were processed when it wasn't.
Product: Credit card

I have an Amex XXXX card, and I was given {$200.00} in hotel credits. I booked a hotel on XXXX ( {$350.00} ) and I was credited {$55.00}, which are correct. However, when I cancelled that hotel booking on XXXX, I got refunded ( {$350.00} ), and also a charge back of {$250.00}. I understand that the credit will be clawed back, but the amount should be {$55.00}, b not {$250.00}. 

I have tried to contact Amex and they always redirect me to Amex travel. And Amex travel always says that they are investigating, but have not got back to me.
Product: Credit reporting or other personal consumer reports

Hard inquiries were done without my authorization, 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
Product: Credit card or prepaid card

We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent accounts and requested for the accounts to be removed. Transunion have yet to do so. I am a victim of identity theft and have submitted requested documents multiple times to the company, but every time I call for an update Im told that they have nothing on file for me. Transunion continue to send automated generated letters stating the accounts was verified, Its no way a fraudulent account could have been verified. Im requesting for the company to remove the accounts listed in my attached letter.
Product: Payday loan, title loan, or personal loan

I tried to pay off this loan at the end of XXXX. My payment was not processed and my online can not said it was still processing..and continued to say this for 3 months. I sent several emails to their customer support and first was told their debt card system wasn't working. Then I was told that they couldn't run my card anymore. Needless to say without a phone call from them ... and with my persistence to pay this ... I was reported to the credit bureaus as a late payment anyway So I now tried to get a mortgage to buy a home. And I could not cosign for my wife because of the damaging late payment! I am so frustrated with Money Lion and the games they are playing with my finances. 
Finally a couple days ago they freed the block ... ..and I was able to run the card. Why the XXXX would you make it impossible to pay off my account? And then report to my credit
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit and I am a victim of a dispute that I wanted Experian to investigate. I disputed the company with Experian twice and each time their response was the account was " verified '' but, I didn't see any details about the investigation. My credit is being negatively impacted by Experian and it's hurting my chances at for future credit. 

The dates are XX/XX/2024 and XX/XX/2024 The amount in question is {$71000.00} The actions I took were the disputes with Experian. I also contacted the company requesting the original contract showing my information, the date of the initial contract, and my signature. The document that they emailed me was not my information.
Product: Credit card

Goldman Sachs has a {$5000.00} XXXX card open for me. I used it in 2022 to buy a XXXX. I planned to use it over the past few days to buy another. Their website XXXX says that I have XXXX balance. Their offer is for XXXX XXXX  financing for XXXX  months. On my XXXX -- " settings '' also says that there is XXXX balance. I keep getting messages on the XXXX stating that the XXXX XXXX is ready to use. 

I tried to purchase the XXXX with the XXXX XXXX for a few days. Each time, I called Goldman Sachs and they said that I have XXXX balance and {$5000.00} available. It turns out that this is a lie and a false offering of credit -- while they keep {$5000.00} open on my credit report. 

Successive call center agents said that I was doing it wrong, and had me re-attempt and re-attempt. Several said I need to check the " wallet '' app on my XXXX devices. I explained that it is a lie -- there is no " wallet '' app on XXXX or XXXX -- the only apple devices we own. I wasted hours on gaslighting by their call center reps. 

Finally last night, they admitted that the matter was escalated to an unnamed department that I can not speak with. they said Goldman Sachs would send a message to my XXXX when the issue is resolved and I can make my purchase. I received the message on the XXXX this morning, and re-attempted. XXXX failed. 

I called the call center and they told me everything is fine, and had me re-attempt. It failed. 

It is not my first problem with Goldman Sachs apple card -- who also falsely charged me {$50.00} for an XXXX accessory that I bought in the XXXX XXXX in XXXX XXXX using my own credit card -- not XXXX  card. 

I earned, according to the statements, {$200.00} of credit. But they are keeping it and there is no way for me to receive it since, I guess, they turned off the XXXX  card. 

The whole thing is lies -- and the call center agents waste hours of my time, defending the Goldman Sachs XXXX about XXXX XXXX  financing for XXXX  months. 

Please take action against Goldman Sachs. I don't need money from them, I don't need service. I just need you to make them stop lying or shut down the fake apple card service. 

DO NOT TELL THEM TO SHUT MY ACCOUNT -- THAT WILL HURT MY XXXX XXXX.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FAIR COLLECTIONS & O. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 

15 USC 6801 says that I have the right to make sure my private information isn't shared!!! The law 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. '' The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602a 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. '' 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. '' 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. 

Equifax, XXXX, and XXXX are not maintaining reasonable procedures! My privacy rights and identity have been stolen! That also means that the Privacy Act of 1974 ( 5 U.S. Code 552a ) was violated! This account is an adverse item they are reporting without my permission which is against the law and hurting my ability to obtain credit! Please remove this account immediately!! See the attached documents.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate items on my credit report and reporting identity theft involving the unauthorized use of my Social Security number, which violates federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum accuracy in consumer reports. The following fraudulent accounts, inquiries, and public records must be removed immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XX/XX/2024 ) Inaccurate Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I request expedited removal of this fraudulent information. The misuse of my Social Security number also violates 15 U.S.C. 1692e, which prohibits false representation.

Additionally, under 15 U.S.C. 1681s-2, furnishers must report accurate data and conduct proper investigations. I demand a full review under 15 U.S.C. 1681i, with the removal of unverifiable or inaccurate items.

Failure to act promptly may lead to legal action to enforce my rights under the FCRA and FDCPA. I have attached supporting documentation and request confirmation of your investigation within 30 days.

Thank you for your attention to this matter.

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

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX DEPT OF EDCUATION/XXXX XXXX never late DEPT OF EDCUATION/XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine