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

I opened Checkings/Savings Accounts with, XXXX XXXX/Synchrony Financial and began to use these accounts over the, XXXX holiday while I was out of town. 

The company placed an ATM hold on my account, claiming they just wanted to verify that I was the person making the transactions. 

I called and verified and answered all their questions and was told everything was good and the holds would be released and I would have full use of all accounts and they still have not restored my accounts and are denying me access to my funds without any reason or explanation. 

I have spoken to this company an additional 6-7 times, up to and including the office of the President, XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Supervisors and Managers and am getting the run around! 

There is no grounds for this company denying me access to my accounts and this needs to be resolved immediately. 

I would appreciate your assistance to resolve the matter voluntarily, obviously the next steps would involve a higher escalation, up to and including legal action and the media. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value the help of 3 Credit Bureaus to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions.

I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only.

To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information.

2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report.

3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report.

Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report and any supporting documentation for your reference. 
If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under the FCRA. Please contact me if you require any additional information or documentation.
Product: Student loan

On XX/XX/2023, I was on the phone for more than one hour but I did speak to a representative. I requested a forebearance or deferment for some of my loans. I also requested a change in due dates. By the end of that call, those two requests were approved. 

I paid what I was told would be the new monthly payment on XX/XX/2023. My online account was never updated. Now, it shows that I am past due on the XXXX payment. 

I have tried on multiple occasions to reach someone by phone and I never get through. I have requested call backs and I have sat on hold for over an hour on at least 2 occasions. I have also sent messages through my account. I am not getting any response.
Product: Debt collection

I do not know what this debt is and they have deemed it invalid on my XXXX  report but it still lingers on my XXXX and XXXX reports. This is illegal reporting. Creditors have a duty to report accurate information to every single credit bureau they are reporting to.
Product: Mortgage

I was on a trial modification plan and my loan was transferred to a new service provider on XX/XX/XXXX. My modification was canceled after the payment from previous servicer was not transferred and my home was foreclosed on and sold on XX/XX/XXXX. I was told to send the document showing patent previous servicer. I did that on XX/XX/XXXX. I didnt receive a response, so I assumed I was fine. Later on I find out that the servicer sent correspondence via email but it went into the junk box. It stated that the file format I sent the document in was not acceptable. So, Ive since re-sent the document after finding out this information in the correct file format. I was also told by my point of contact at loss mitigation that upon receiving the document it should not affect my trial modification. And also because the loan was just transferred to a new servicer theres a 60 day grace on all new transfers. This was a wrongful foreclosure. The new servicers phone lines have been busy and it asks me to leave a call back number but I never received a return call. I tried to make my payment online but was blocked, I tried to make payment on the phone via automated system but was blocked. I called nearly every day and when I finally get through to a representative Im told the trial had been canceled and that Id need to reapply. This was on XX/XX/XXXX when I was told to reapply without being told that my home was going into foreclosure sale on XX/XX/XXXX. Why tell someone to reapply if the home is being sold the following day? Very misleading and confusing. Please help!!!
Product: Bank account or service

HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016. 
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Vehicle loan or lease

In XX/XX/year> I called to notify the company that I XXXX XXXX XXXX  and to see if I can get a payment change from biweekly to monthly. I was told that I could and give it a few days to update the account. I looked online and no update after a few days so I called back and spoke with a supervisor who told me the rep gave me the wrong information after he pulled the call and listened to it. He then said he can assist me. So for the next few calls I spoke with the supervisor he said he was able to get me a date change and gave me my monthly payment amount. We sat on the phone for an hour because he was emailing his higher ups to assist him with my account. He then said all my information was updated and I should be seeing an update shortly. At that time my account was current and I let the reps know I wasn't trying to get a 30 days delinquent on my credit report. I was told it wouldn't happen. After a few days I logged in my account and still no update. Now we are in the month of XX/XX/year> and I spoke with a manager who said he will look into my account and call back once he contacts all parties that I spoken with previously. A few days past no call so I called him back and was told they are still looking into my account. I waited and received a collection callI advised teh rep of the issues and was told she will send someone an email to contact me. Now we are in the month of XX/XX/year> and a rep said XXXX XXXX they have been pushing you around they never entered the modification nor were they trying to assist. At this point I am livid. Mind you for my records I do record my calls which I can provide. So I asked since it wasn't my fault can they fix my credit and with that i begin to get the runarounds again. I recently spoke with a rep in regards to updating my credit reporting in XX/XX/year> and got the runarounds again.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBF Services is reporting collection accounts on my credit file that need to be removed. I recently took a look at my credit and noticed a few collections reporting on my file. I however, never received any calls or notices about this debt. This violates my 30 day right to dispute under both the FCRA and the FDCPA. Since it is now reporting on my credit regardless, I ask that they provide validation. This is not a request for verification of the debt but validation that I have any legal obligation to pay CBF Services. Reporting invalidated debt to any of the three major credit bureaus can constitute fraud under both federal and state laws. If any negative mark continues to report on my credit I will not hesitate in bringing legal action for violation of the FDCPA. During this validation period all credit reporting should cease and desist. If validation can not be made within 30 days, all references to accounts must be completely removed from my credit file.
Product: Debt collection

Starting in XX/XX/XXXX, I began disputing a XXXX XXXX Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXX per my request. XXXX XXXX sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX XXXX wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named GC Services Limited Partnership. This agency made claim that the XXXX XXXX  credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXX are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXX they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.
Product: Credit card or prepaid card

I contacted the company on XX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. 

XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.
Product: Debt collection

This company tried to say I owe for credit repair services and that I did not agree to nor did I sign anything agreeing to services, however, they are destroying my credit, adding several unauthorized trade lines to my credit report by saying I have more than one account and I never agreed to services, no signatures nothing. many people ave complained, I have complained back in 2022 and nothing came of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, I disputed 2 items with Experian that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Experian, but they fail to do a full investigation and said they were mines. 
Here is the info for the dispute results Report Number XXXX Date generatedXXXX XXXX XXXX and Report NumberXXXX Date generatedXXXX XXXX XXXX
Product: Credit card or prepaid card

Citibank decided to replace my credit card with a new number. It issued a new card account and transferred the balance to the new account but FAILED to change the old account to {$0.00}. Instead, customer service says that it will be corrected in the future at an unknown date. This resulted in a showing of DOUBLE the amount of credit card debt on my credit report, reduced my score below 700, and prevents me from obtaining an optimum rate on a home loan I want to obtain. Note that even though Citibank has already eliminated the XXXX card from my mailed statement, it still appears online.citi.com and on my credit reports. This is no rush to Citibank but is negatively affecting me on a daily basis. I decided to ask CFPB to assist me before contacting the Attorney General 's office.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX bank 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I transferred {$100.00} into my cash app from my XXXX XXXX XXXX and cash app failed it meaning they did not put it onto my digital wallet. However, XXXX XXXX  did the {$100.00} out of my account I have the screenshots. Ive sent them to cash app chat literally XXXX times and to their management at least XXXX times the last thing that they told me was they have no further comment on this matter then I filed the dispute with XXXX XXXX  because XXXX XXXX  said that was the only way I could get my XXXX XXXX  back so I did that and as soon as I did that, Cash app deducted another {$100.00} from my balance to cover the dispute so now either cash app or XXXX XXXX  owe me {$200.00} and neither one of them will give it to me. They stole it on XX/XX/XXXX and I need it. I am disabled and low income and {$200.00} is a lot to me. Ive called both of them. Ive chatted with all of them. Theyre blaming it on each other and neither one of them will give me my money back, so I need someone to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the XXXX major credit agencies Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the XXXX credit reports from the XXXX credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported.

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information. 
15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period.

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations.

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.
Product: Mortgage

Not that I expect the current management of the CFPB to do anything about this, but I wanted to register my complaint. 

I have a mortgage with HomeBridge Financial Services and I was notified of a loan transfer by a letter mailed regular mail that on XX/XX/2018, that as of XX/XX/2018 they would no longer accept payments on my loan. Obviously, I did not receive the letter in time to do anything about it and immediately set about making sure that future payments would promptly be made to the new servicer. 

Based on the language in the letter, I simply assumed that they would transfer the funds to the new servicer. Instead, the funds were returned to my account, apparently without notice or comment. 

I understand that the new servicer will be unable to charge me a late fee, but I wanted to register my chagrin at the thoroughly unprofessional way that this was handled. Despite, the anti consumer bias of the current administration, I can hope that regulations are put in place that prevent this kind of thing for future customers of HomeBridge