23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my XXXX XXXX homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both XXXX and XXXX deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that Experian still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


XXXX and XXXX correctly lists this as an Installment Account, however Experian lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

XXXX has the following dates as late, XXXX  XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous investigator clearly lied and did not catch this error. This account must be deleted immediately from XXXX. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

XXXX has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

Experian has the following dates as late, XXXX  XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to XXXX. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.
Product: Checking or savings account

For the past year and a half every time I've tried to gain access to my Savings Account at Synchrony Bank I have been prompted to undergo the XXXX step verification to verify my identity. The problem has been that the phone number associated with my account is an old phone number I no longer have access to. As a result for the past year and a half I have been going back and fourth with Synchrony Bank customer service to update my phone number and regain access to my account but every time I would call I have been told that I need to wait a couple of weeks for my new cellphone number to appear under my SSN for them to authorize the change. The firsts of these calls took place in XXXX of XXXX and I would call every XXXX months to try yet again. Finally in XXXX of XXXX I was able to call again to update my cellphone number to update the text verification number that was preventing me from accessing my account on all of my devices. When the change was done, I was told that it would take 60 days for my new phone number to be set up with the XXXX step verification ( so I still would not be able to access my account across all of my devices until the XXXX day mark ). This weekend was the XXXX day mark since my final call in XXXX. However when I tried to sign into my account yet again I was prompted with a XXXX step verification associated yet again with my old phone number. It has now been closer to 2 years since I first reported support with this issue and we are still in the same place. At this point I'd like just to close my account as soon as possible and move on from Synchrony Bank. I understand the need for rigorous verification processes to protect the money of consumers, but that should not come in exchange for accessibility. Until XXXX of XXXX I had no way to access my account, and the requirements and wait time needed to undergo any change ( days, weeks, month on end ) is ridiculous.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email on my XXXX account from two home service providers, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received several emails as part of a class-action lawsuit regarding hacked servers that had proprietary consumer account unique identifier information exposed on the dark web using XXXX and XXXX XXXX software by XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These hacks caused unauthorized debt to be posted to my personal line of credit associated with the last four digits of my SSN, which is used to uniquely identify myself when calling customer service. These hacks have caused financial harm to my personal life, and I am requesting that the leading credit bureau XXXX delete reported items due to a violation of privacy laws by the Federal Trade Commission. Additionally, my criminal record that exists in the XXXX XXXX Government Clerk of Courts system needs to be deleted as it hinders my ability to be gainfully employed and to pursue economic wealth and prosperity in the United States of America. I respectfully request that the state prosecutor review and amend the charges to be expunged, as XXXX XXXX is being misused by public elected officials. I am writing to formally dispute a fraudulent auto loan appearing on my credit report. This unauthorized loan was obtained using my Social Security number ( SSN ) without my knowledge or consent. A copy of my credit report highlighting this inaccurate entry is attached for your review. This incident represents a serious breach of my personal information and is causing significant financial distress.
Product: Bank account or service

I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..
Product: Vehicle loan or lease

Me and my late wife purchased a new truck together in XX/XX/XXXX. She passed away in XX/XX/XXXX while we were moving from XXXX to XXXX. She was XXXX and did not have a will. Everything went to an estate that I was the administrator to. I had to purchase her half of the truck from the estate and I did. The problem came when I was attempted to register the truck in XXXX. The bank has the estate of [ wife 's name ] on the title. After many conversations with the bank and with the DMV they sent a copy of the title to the XXXX  DMV [ where it was originally titled ] I had to sell it from the estate and myself and re purchase it as myself and then the DMV sent it back to the bank. They said it would remove her from the account. My XXXX registration expired XX/XX/XXXX. I have not been able to drive the truck, register, or even sell the truck because it shows estate of on the title. I communicated with the bank and they said they will not be able to remove her from the account. I have audio recording of them saying this. I informed them without being able to use the truck I can't make money with it. I do long haul pick up and drop offs for a friend farm. I informed them that I was not able to pay if I can't use the truck. They gave me one one month extension but that was it. They just repossessed the truck. When at the dmv I had the person there talk with the bank over the phone. This is not an exaggeration, the DMV was banging there heads on the table because of this. This bank made a difficult situation with the passing of my wife into a nightmare. Please can anything be done?
Product: Checking or savings account

On XX/XX/2018 chase bank end relationship with me because of fraud XXXX checks then I really try to fixed and explain to them they wont let me reopen new account anymore finally all my money were in it I were so starving and hungry so much
Product: Checking or savings account

Back on XX/XX/year> I deposited a payroll check from my employer for XXXX $ on my BOA app. XXXX hours later my account was closed. They said it was closed for suspicious activity. They refused to give me any information or a timeline on when I would get the money sent back. I had my employer contact the issuing bank to request the funds from BOA. Everytime I call they tell me its under review and refuse to say anything other then that. It has been over a year they have had my money and they refuse to release it to me or the issuing bank. How is this even legal? How can a bank just close your account and take your money and not give any reasons or solutrions to get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

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 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 ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great, here is the revised letter with the information added : Dear XXXX, XXXX, and Experian I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

Experian : According to Experian 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a 30-day late payment in XX/XX/XXXX and two full payments in the following months, except in XX/XX/XXXX, when there was a XXXX late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Experian is not reporting correctly, I have to credit card tradelines on my credit profile, XXXX XXXX XXXX XXXX both XXXX XXXX XXXX are reporting positive and accurately. I have reach out to Experian asking them to update their reporting but it has been over 90 days and I have had no response. 
Please start and investigation to have my credit profile corrected. 

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

Portfolio Recovery received a 93A Demand notice from me XX/XX/2019 ( attached for your records ). In response they agreed to remove their illegal collection listing from my credit bureaus in XX/XX/2019. Proof attached. They have re-added the account to my credit bureaus in violation of the FCRA and FDCPA. I have contacted them repeatedly regarding this issue in writing via certified mail. They refuse to reply or remove their listing. Under both federal and state law they are required to remove this listing.
Product: Checking or savings account

Haven't received deposit from work it's been 3 days
Product: Credit reporting, credit repair services, or other personal consumer reports

By law they aee supposed to tell me who verified information on my credit report. Experian refuses to tell me who verified the Bankruptcy on my credit report. 

XXXX  you need to send me an email letting me know when the company responds
Product: Checking or savings account

US BANK CLOSED THEN REOPENED ACCOUNT Blocking me from online access. TO STEAL MONEY-THEY STOLE XXXX CHECK. THEY LIE STATING I PUT THROUGH XXXX {$150.00} LATE WHEN I HAVE US BANK LETTER STATING THEY RECEIVED DISPUTE UNDER 60 DAYS ALSO THEY STOLE {$170.00} FROM XXXX DISPUTE. ALSO US BANK NEVER CREDITED THE FOLLOWING : On XX/XX/3030 US Bank responded they have {$310.00} credit on XX/XX/XXXX, XXXX-US BANK IS LYING. Us bank keeps going in steal. They blocked me from viewing account online and never delivered statements. They keep reopening account without telling me to STEAL. 

TODAY, XX/XX/20 XXXX branch manager, XXXX XXXX, called Police after she gave me her business card and I requested letter stating the account was closed. They are stealing MY govt checks.
Product: Credit card or prepaid card

Hello, This morning ( XX/XX/21 ) I received a call at about XXXX XXXX saying that {$340.00} was charged to my XXXX card for an order at XXXX. If I did spend this money I was to do nothing. But if I did not spend this, I was to call this number XXXX XXXX XXXX XXXX. I did not spend this money, but rather than calling this number, I chatted with an XXXX representative through the customer service section at their website. The XXXX associate told me this phone number was not associated with XXXX, and then verified that nobody from XXXX called me. He also told me not to call the number and not to give out any of my credit card info. The associate gave me a link to send this report to you. 

Thank you for your attention to this matter. 

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

XXXX XXXX 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX  Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the complaint!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

At PAYPAL they put me in disclosures I surely did not agree about that is because it is due fraud and error for there conception I own Corporate when I have not had an account to run a business through them. My Identity was stolen back when I was a child. They are in the mode of accessing my personal account to transact in my name to commit fraud against me. I had closed this account on XX/XX/2023 and they accessed my email on the XXXX. I am sick to my stomach for abusive act and I am alleging they are transacting in my name for something I learned about after reading those disclosures I did not agree to because have no affiliation with running any business I am XXXX with multitudes of Identity theft.
Product: Credit card or prepaid card

I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.
Product: Credit reporting or other personal consumer reports

XXXX/Drivetime is reporting inaccurate information on my credit report. As per the Simple Interest Retail Installment Contract ( page 2 of 5 ), the security interest secures payments of all amounts I owe in the contract and performance of my OTHER agreements in the contract. XXXX collected a security interest, therefore the balance is {$0.00}. Although, I know I will file grievances with other agencies regarding the deception of the contract, the forgery ( electronic signature ), and the securities fraud, I want it on record in this complaint filed with the CFPB that XXXX/Drivetime practices in deception and fraud, robbing consumers. Also on the contract it states the amount of credit provided to me on my behalf, I am the creditor. I was not informed that I was entering a contract to be charged a finance charge for my own credit. No attorney was present to explain the legalese. document attached
Product: Credit reporting or other personal consumer reports

I cant delete accounts directly, but I recommend reaching out to the support team of the platform you're using. They should be able to assist you with account deletion. If you need help finding the right contact information, let me know!
Product: Mortgage

I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE FROM MY SERVICER SPS, I WAS RECENTLY DENIED DUE TO THE LENDER STATING THAT THEY WERE UNABLE TO OFFER ME ASSISTANCE BECAUSE THEY COULD NOT CREATE AN AFFORDABLE PAYMENT. THIS IS ABSOLUTELY CRAZY, FOR ONE IF THEY DID NOT EMPLOYEE UNDERWRITERS WHO DO NOT UNDERSTAND HOW TO CALCULATE INCOME I WOULD NOT BE IN THIS SITUATION. THEY ARE STATING THAT MY HOUSEHOLD GROSS INCOME IS {$3900.00} AND MY TRUE GROSS INCOME IS {$6000.00}. SECONDLY, I GOTTEN MY LOAN IN XX/XX/2007 AND HAVE NEVER NEEDED ASSISTANCE. MY MATURITY DATE IS XXXX WITH A 8.63 % INTEREST RATE!! I HAVE A RATE WHICH IS DOUBLED TO TODAYS INTEREST RATE AND I AM IS XXXX YEARS OLD, THIS IS ABSOLUTELY PROOF THAT MY INVESTOR AND SERVICER ARE PREYING ON MY AGE TO KEEP ME IN A RATE ABOVE 8 %. I WILL NOT ALLOW THESE PEOPLE TO STEAL MY HOME BECAUSE THEY ARE GREEDY! AN EXTENSION ON MY TERM AND TODAYS MARKET INTEREST RATE WILL BE AFFORDABLE, I WOULD SAVE OVER A {$1000.00} A MONTH ON A 4 % 40 YEAR LOAN, DONT LIE TO ME AND STATE THAT YOU COULD NOT PROVIDE ME WITH A PAYMENT OUTSIDE OF YOUR BOGUS GUIDELINES. WHAT YOU ARE TRYING TO STATE WITH A SMILE IS THAT I WILL STEAL YOUR HOUSE AND MAKE YOU HOMELESS, WELL WE WILL SEE WHAT XXXX XXXX, FTC, XXXX, HAVE TO SAY WHEN I FORWARD THEM THIS COMPLAINT. YOU WILL NOT VICTIMIZE ME AND STEAL MY HOME.