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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Mortgage

XXXX XXXX was trying to retrieve an original copy of his modification papers from his loan company SPS. According to SPS when they purchased the loan from XXXX. XXXX did not give us any paperwork because one of their reps said ( and its voice recorded ) it got loss! They were also saying that this loan was a verbal agreement but XXXX XXXX never had the opportunity to make any type of agreement with them. They modified the loan without his authorization. Indeed I was recovering from XXXX at the time of the modification. Now we are trying to get the paperwork because we qualify for a better loan elsewhere but SPS is saying they do not have ANY " Terms or Conditions '' or any paperwork on us at all! My question is since they DO Not have any terms or conditions/paperwork on us then I feel we do n't owe them anything so therefore they need to release us from this non existent contract, what can we do?
Product: Checking or savings account

This is follow-up to complaint # XXXX. 

Thanks to Citi they sent me the bank statement for the last 6 months. The issue is that the bank statement only shows the total amount was put on hold and returned. It does not detail the amount of each transaction was returned and to who so I can followup and claim my money The bank didnt specify what transaction were returned to XXXX. Only {$11000.00} were deposit from XXXX But there should be XXXX left. I need detailed summary of all returned transactions
Product: Credit reporting or other personal consumer reports

I have false information on which XXXX, XXXX, and TransUnion are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was XXXX since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. XXXX, XXXX, and TransUnion Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by XXXX. I cant create Disputes with TransUnion and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.
Product: Debt collection

I am confused as to why XXXX has already removed the late dates and updated the negative status of these accounts to a positive one from their records, while your bureau has not followed suit. The creditors have already agreed to remove the late dates as they are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and update these accounts in my credit report. The error has already been found, and I expect that you will follow the same course of action as XXXX and update my file accordingly. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please note that I am extremely annoyed and frustrated by this issue, and I have capitalized some sentences to express my dissatisfaction. I expect that you will take immediate action to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I request the deletion of the accounts : 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: Mortgage

On XX/XX/XXXX, my husband and I ( " we '' ) obtained a mortgage from Truist Bank ( " Truist '' ) and XXXX XXXX was the loan officer. Prior to accepting Truist`s offer, we compared their offer to two additional mortgage companies ' offers and was literally a " tug and war '' but decided to go with Truist given the " attractive '' buy down offer outlined as follows : 1st year monthly mortgage $ XXXX 3.99 %, 2nd year {$1700.00} ( approximate )@ 4.99 % and 3rd year and for the life of the loan $ XXXX. We asked XXXX XXXX repeatedly throughout the process is there any way the payments can change and he repeatedly assured us that the payment is fixed and in no way will change. We felt comfortable and at ease. 
On or about XX/XX/XXXX. XXXX I received via XXXX mail the monthly statement with a new payment of {$1900.00} effective XX/XX/XXXX - I thought this was a mistake! 
My understanding was that our mortgage would increase according to the buy down outlined, i.e., {$1700.00} approximate ( I will provide the exact amount ). This amount actuallu exceeds the third year of the buy down payment. I immediately called Truist and was advised to contact the loan officer as they were not familiar with the buy down arrangement. 
I then reached out to XXXX XXXX who advised me that he was heading out of the country and to contact the servicing department. At this point, I was getting nowhere and therefore decided to wait until XXXX XXXX 's return. 
I called XXXX XXXX on XX/XX/XXXX, and he told me that " the reason for the increase was due to home insurance and taxes and as a result caused a shortage in escrow funds which he has no control over and there's nothing that he could do ''. How disappointing! 

I reminded XXXX XXXX how he reassured us repeatedly during the closing process, and even emphasized that the payment is fixed and won't change for the life of the loan. 

My husband and I understand that home insurance and taxes may increase and possibly affect a shortage in escrow funds. As a matter of fact, when we purchased the subject property, it was contingent of us selling our home of 7 years. That said, during those 7 years we were notified when an increase occurred so that we can adjust accordingly. 
However, Truist failed to communicate this important information to us despite XXXX XXXX letting me know on the call that this information was provided to him in mid XX/XX/XXXX. 

We literally put down {$130000.00} to mortgage the property and the proceeds of selling our home was over {$120000.00}. That said, we would have undoubtedly put additional money into escrow had someone informed us. You would think that someone at Truist with experience in this area would convey such critical information to us. This unavoidable situation is extremely stressful and very frustrating, disappointing and disheartening! 
We feel unrepresented and undervalued, not to mention the possibility of financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

- 15 U.S.C 1681 C ( A ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information other than the records of conviction of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hi, Midland Credit started randomly reporting a balance on my account in XX/XX/XXXX. XXXX date on my XXXX says XX/XX/XXXX, and on my XXXX account, it shows XX/XX/XXXX. The balance started at {$900.00}, and it is now, as of XX/XX/XXXX, {$1000.00}. I have asked numerous times for debt verification from them, and they have not responded. I have never had an account with them.Please have them removed from all three credit reporting agencies immediately. 

Thanks, XXXX
Product: Consumer Loan

Our XXXX XXXX was stolen this year from out home. Our insurance company XXXX paid out all but {$2600.00} of the remaining balance on the note held by Capitol One Auto Finance. 

Capitol on sent us correspondence stating that the balance would need to be paid by XXXX XXXX in XXXX. We arranged a monthly debit of XXXX to pay down the balance and to pay the remaining balance due by the end of XXXX XXXX. Capitol one would not put this agreement in writing. To date, we have asked them if we can extend the payments through XXXX and pay the remaining balance by XXXX XXXX XXXX. They tell us there is nothing they can do. And they will charge off the account by XXXX XXXX if we do n't pay in full. They also deleted all account information on their website. We fully intend to pay the balance in full but need some extra time.
Product: Checking or savings account

Using the Wells Fargo online banking site, I authorized Wells Fargo to withdraw {$5000.00} from my XXXX ( division of XXXX ) account into my Wells Fargo account. Wells Fargo successfully withdrew those funds out of my XXXX acct on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited into my Wells Fargo account. After submitting disputes and " research '' cases with both banks, I have learned that XXXX XXXX XXXX explanation is that they received the instructions from Wells Fargo and completed the transaction, and that they have no further record of anything beyond that, since the transaction was initiated by Wells Fargo. I have also initiated complaints/ disputes/research cases with Wells Fargo XXXX After weeks telling me they had no record of anything, Wells Fargo finally found transaction records. XXXX This was after XXXX XXXX provided me with a trace number for the withdrawal that was actually issued by Wells Fargo, provided below. ) Even after being given their own trace number, and receiving my written complaints clearly explaining that the transaction was initiated using the Wells Fargo online banking site, weeks of so called " research '' by Wells Fargo resulted in their " determination '' that they have no idea where those funds are, there's nothing they can do and I should work with XXXX XXXX to get my money back since XXXX XXXX  initiated the transaction ( which is completely inaccurate ). Wells Fargo also claims that they sent the incoming funds back to XXXX XXXX, supposedly because of internal fraud detection even though their own system initiated the transaction. The funds were never returned back to my XXXXXXXX XXXX  account and Wells Fargo has not provided a trace number for that supposed return of funds. The bottom line is that Wells Fargo took funds from my XXXX XXXX  account and has no idea where it is. It's been two months with no correction. Wells Fargo wouldn't even provide me with a provisional credit while trying to find my missing funds which I believe is required by law after 10 days, according to Regulation E. 

Even though their own weeks of " escalated research '' had it wrong, Wells Fargo has never disputed the fact they their own system initiated the withdrawal of funds out of my XXXXXXXX XXXX account. It is clearly their responsibility to handle those funds correctly. 

The Wells Fargo tracing number for the electronic withdrawal of funds is : XXXX The Wells Fargo case number that resolved nothing and was based on a completely contrary and inaccurate representation of facts is : XXXX
Product: Payday loan, title loan, or personal loan

I received an invitation from Discover card to apply for a personal loan. I applied over the phone and gave them all the information they asked for. After a few days I called to inquire about the loan and was told that my loan request had been rejected. I was informed they could not give me a reason why at the time and I would have to wait on a letter from them. I received the letter on XXXX XX/XX/2020. It was dated XXXX XX/XX/2020. As stated in the letter, the reason they were unable to approve the loan was " unable to verify credit references ". After she couldn't explain that to me, she changed it to not being able to verify my identity. Mind you they had my social number, bank account, etc. By the way, my credit is perfect. On the XXXX of XXXX my FICO score was XXXX. Although I was persistent in her telling me the reason my identity could not be verified she would not relent. I think the real reason is my age, which is XXXX years old ... .. and would not that be age discrimination, which I thought was against the law? My reference number with Discover is XXXX.
Product: Debt collection

XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

This is my second complaint to the CFPB regarding Synchrony. The problem has not been resolved and continues. The first complaint was closed because it said the company responded. In actuality, the only response I got was that they were looking into it. No resolution. Here is the problem that continues : I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to for interest income. This is in their financial interests, not mine, and breaks their user agreement.
Product: Checking or savings account

XX/XX/2023 enrolled in XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  miles if maintain a {$50000.00} deposit in a XXXX XXXX  savings account. Completed this on XX/XX/2023. On XX/XX/2023, I was notified via web site my {$25000.00} deposit returned only XXXX XXXX XXXX 

Contacted first XXXX  employee excessive load background noice asked 4 times please tell people in call center to stop... I hung up. 

Called back XXXX time had to ask 8 times since head set gave out XXXX  nonie get the supervisor, XXXX, told get call back no information when or time. 

Called back again got another employee headset issues asked for supervisor told NONE available ... so Ia asked for them Manager of the supervisor told NONE available. 

XXXX XXXX told I would get XXXX XXXX XXXX which is given versus interest in XXXX XXXX but it showed up in XX/XX/2023 but no missing XXXX equal to {$250.00} when used on XXXX
Product: Vehicle loan or lease

I have a loan with Bridgecrest for my XXXX XXXX XXXX which I traded in on XX/XX/XXXX. On XX/XX/XXXX, Bridgecrest received my payoff check from the dealer. On the XXXX I contacted customer service because the car was scheduled for repossession, even though they had the check. I had previously given them the tracking number when the check was first mailed. The representative at Bridgecrest said the car would not be repossessed and the check would be applied to my account and backdated by the end of the week. I checked back on the XXXX and it was still not applied. I contacted them again and I was told the check was not enough. I paid the difference and was told that the payment would be applied and to check back by the end of the week. The payment has still not been applied. I have been assessed late fees and interest ( which they claim will be backdated but they also claim the check will be applied to me account within 48 hours every time I contact them ). They are also reporting to the credit bureau that I am late on my payments. I am at a loss how to resolve this. All I get is I understand your frustration. Be patient. It will be applied and backdated within 48 hours.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in unauthorized inquiries on my credit report. I am requesting that all inquiries listed below be blocked and deleted from my credit file, in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They are attempting to collect the debt from me from XX/XX/XXXX. I asked him about the statute of limitations being in effect and he said no it wasn't.