23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Transunion for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XX/XX/, I submitted a dispute to XXXX, XXXX, and Transunion regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time Of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - Under 15 US Code 1692g Validation of Debts- Please delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX - Under 15 US CODE 1692g Validation of Debts- Please delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX  - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But XXXX, TransUnion, and XXXX haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.
Product: Checking or savings account

I was trying to make a transfer to my other account and it asked me for debit card and pin. I reset my pin since I had never made a pin and it said I had XXXX and it was successful. Then I refresh the page and type in debit card and pin and it locked me out of the account. Now I have all my money in this account around XXXX and I call and they said I need to know the account number. There is no way I can know the account number if my online banking is locked I told her since they do not provide that anywhere in the mail or through email and she said it was opened online. Then they ask for my keyword and I can not remember anything and all she says is it could be by mother maiden name and that does not work. There is not other way to access my account she says other than going to a branch which is far away. This need to be escalated as I live in XXXX. I do not think these banks should be offering accounts to clients where they have no physical presence if they rely so heavily on physical presence for verification. They could send me a code to my phone, an email, I can give my entire social my debit card and pin and nothing. the CFPB should have more restrictions for these banks that are looking for Consumer Deposits since they are a cheaper source of funding in these high rate environments. These banks are seeking funding at the expense of the client and their systems and procedures are not adequate enough asking a client to find. branch when they have no presence in any states surrounding me is crazy. Pretty much saying I am locked to my money, I asked to speak to a XXXX and they would not let me. I see on XXXX this is not the first time and this issue has been escalated before and apparently Citi is known for locking account and it is very hard to get back into them. Reason # XXXX they should not be allowed to have accounts in states they have no physical presence unless they have XXXX through phone or email. She said the account number was on my checkbook, like come on banks don't even provide free checkbooks anymore and most consumer do not use checkbook. XXXX XXXX I hope to hear back.
Product: Debt collection

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to Synerprise Consulting Services requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. Synerprise has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by Synerprise, XXXX, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
Product: Credit card

I had lost my card before getting into the subway going down to work. I did not notice I had lost my card because I usually have my cards stored on XXXXXXXX XXXX and only use them on XXXXXXXX XXXX. As my card was lost someone had purchased XXXX worth of goods from XXXX XXXX and other utility stores. I never got any fraud warnings from Chase and I didnt realize until after a week or so. I directly locked the card and reported the charges. I had gotten a temporary credit but after a month they removed it and said the charges were valid. After dancing for almost 2 years or little less and getting all the documents they requested they continue to charge interest and continue to reject my claim. I have given them a police report and a timesheet to prove I was at work during those times. Nothing helped even though they requested those documents. I want to try this once more before looking to take further actions.
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Checking or savings account

i keep getting netspend acct cards sent to me i call and they say i have multiple accts not to worry if i never opened or used them thats bull this is apersonalized card with my nmae on it this one i recieved yesterday i get all my mail sent to genaral delivery at edgewater post office because i have serious concerns my ex boyfriend and his girlfriend other prison gang memebers stalking me commiting mail fraud bankj fraud medicaid fraud ebt fraud this piece of mail has been fowarded to general delivery from an old address as in several addresses ago XXXX XXXX XXXX XXXX XXXX port orange fl XXXX i do believe this address is whgeer a lot of them live they have a lot of mail boxes outside and the XXXX XXXX i s a house i think house next door is also using XXXX as address there all scammers over there on thta compound but i have calleed netspend several times i never opened sany accounts with them and i iont care if it says none have been used i didnt open them they shouldnt exists and these people arent having these cards for nothing someday theyll get buste dfor whatever it is they are doing but i want nothiung to do with it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud o their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations.
Product: Checking or savings account

USAA is holding funds of my paychecks from my employer and will not tell my why. I deposited the first paycheck, they froze most of, via USAA 's mobile app on Friday XX/XX/2020. On Saturday XX/XX/2020 I attempted to withdraw {$400.00} to pay some of my bills and the ATM said USAA declined the transaction. I called USAA to figure out the problem. The rep told me the funds are on hold and could not give me a specific reason as to why they're on hold. This is approximately the 16th check I've deposited from my employer. No check I have ever deposited with USAA has bounce and none have ever had funds on hold. I called back Tuesday XX/XX/2020 to demand the release of my funds as I had emergency vehicle situation. On XX/XX/2020, I filed a complaint with the XXXX XXXX XXXX, complaint attached. USAA has been shamefully unaccommodating and giving me the run around for over a month now. This is completely unacceptable. I have bills and have lost money in fines, fees and predatory interest via payday loans to cover my expenses for the week hold USAA has place on over half the funds of all checks since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI. I have challenged information that is being reported by GM Financial for a vehicle that was stolen. I had insurance and GM Financial has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,
Product: Bank account or service

Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment.
Product: Debt collection

Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( XXXX  : {$74.00} Balance Updated : XX/XX/2022 ) Its been over XXXX  days and Experian XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

DRIVETIME/BRIDGECREST POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX  XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX XXXX XXXX POTENTIALLY XXXX Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXXXXXX XXXX  XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was locked out of my account on Coinbase in XX/XX/2021. I contacted them and they said to create a new account with a different email address. I did and they said they would transfer my stocks to the new account. I have contacted them several times since creating the new account and I haven't gotten any additional responses. They are also still taking money out of my checking account for a some of the stocks. I haven't been able to add to purchase more stocks, sell or trade my stocks. I may be losing money or gaining money, but I don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/CARE CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/CARE CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX and SYNCB/CARE CREDIT with no successful resolution.XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Payday loan, title loan, or personal loan

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from Onward Credit on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.
Product: Debt collection

On XX/XX/XXXX, I received correspondence from Sunrise Credit Services , Inc., asserting a past due amount of {$12000.00} allegedly owed to them by XXXX XXXX Per their communication, my name and Social Security Number were linked to this purported debt. However, I adamantly declared this as fraudulent activity, emphasizing that I have never been a XXXX XXXX XXXX XXXX and have not authorized the use of my personal information for any educational financing. 

In response to their notification, I promptly contacted Sunrise Credit Services on XX/XX/XXXX, to dispute the claim. Following their advice, I filed a police report and submitted an Identity Theft Report through the Federal Trade Commission ( FTC ). All required documentation, including the FTC theft report, the police report, and a comprehensive letter outlining my entitlements, were sent to Sunrise Credit Services on the same day.

Regrettably, my attempts to seek resolution have been met with silence. Despite several follow-up attempts, the agency has failed to provide any meaningful information or acknowledgment of my documentation. On XX/XX/XXXX, during a follow-up call, a representative claimed ignorance regarding the status of my case and promised to escalate the matter to their manager, XXXX XXXX XXXX 

Disconcertingly, when I contacted Sunrise Credit Services in XX/XX/XXXX, no additional information was forthcoming. The lack of communication persisted until XX/XX/XXXX, when I received another collection letter. Despite my continued efforts to resolve the issue, including phone calls and inquiries, the agency has remained unresponsive. 

In a recent conversation with a representative, I raised concerns about the agency 's non-compliance with the federal Fair Credit Reporting Act, citing their failure to provide requested documents. Shockingly, the representative asserted that my request for documentation implied acknowledgment of the debt 's legitimacy. This distorted interpretation further underscores the incompetence and lack of adherence to regulatory guidelines exhibited by Sunrise Credit Services. 

Given the protracted nature of this unresolved matter, spanning almost three years, I am compelled to bring this case to your attention. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure the rights and protections afforded by law are upheld.
Product: Credit card or prepaid card

I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. 
I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. 
I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. 
It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months.

There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner
Product: Credit reporting

I have reached out to experian and asked to speak to a special handling agent on multiple times. The overseas reps have continues to decline to permit me to speak to someone in america. I have informed them that i had a ftc id theft report and that there were inquiries on my account that needed to be removed. I have reached out to the companies directly and they claim that it has been validated even with the report. the agents of experian have been rude and have swore at me and told me to go to court if i was unhappy with the results as they will not help me at all and hung up on me multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Experian, My name is XXXX XXXX. I sent you a letter regarding some inaccuracies in my report on XX/XX/2022 and I was expecting to get a response from you after 30 days. Unfortunately, it's been over 35 days already but I still haven't got any response from you so I am expecting the deletion of the negative items since you can not provide me a good response. I will make a follow-up after 30days regarding this matter.
Product: Credit reporting or other personal consumer reports

Inaccurate, fraudulent information is reported on my credit report. 
XXXX XXXX XXXX, PA XXXX Acct XXXX Amount {$920.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX
Product: Payday loan, title loan, or personal loan

I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX  XXXX Inquiry from XX/XX/XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX   14 XXXX  Inquiry from XX/XX/XXXX 15 XXXX  Inquiry from XX/XX/XXXX 16 XXXX/XXXX  Inquiry from XX/XX/XXXX 17 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXX  XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21 XXXX XXXX Dba XXXX Inquiry from XX/XX/XXXX 22 XXXX   Inquiry from XX/XX/XXXX 23 XXXX XXXX  Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry from XX/XX/XXXX 27 XXXX Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX Inquiry from XX/XX/XXXX