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

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with Aspire aka Iowa Loan Servicing as an IBR plan was in place good through XX/XX/year>. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/year> and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I XXXX  to better my life not to make things worse. Please help me.
Product: Checking or savings account

My account has been restricted and supposedly my now deposited mobile check deposit being verified. Or my account is being closed with no explanation. Agent refused to give me his agent number and another agent refused to transfer me to a supervisor stating the supervisor could give me no additional information. I need my account unlocked from restriction so that I can access my funds. This is now caused me to receive an eviction.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I received a call from my US Bank stating that there was a {$5.00} ( estimated ) charge on my debit card that had been flagged as fraudulent. This was caught by their fraud team and they were sending me a new card. I thanked them and went about my day. About 2 hours later I received a text message from a number claiming to be a US Bank Fraud Alert asking if I had authorized charges to my debit card ending in XXXX ( my actual card number from the previous fraudulent transaction ) in the amount of {$19.00} to XXXX and a pending charge of {$3500.00} dollars to XXXX. The text stated to reply YES or NO. I replied NO. I then got an automated reply that I would be receiving a call shortly. I received a call a few minutes later from XXXX ( which is the official US Bank customer service number on the back of my debit card ). The individual stated that he was a fraud department member and needed to help me with the fraud charges. Since I had already received the call earlier I did not question the validity of this claim right away. He proceeded to walk me through how to reverse the XXXX charge that was pending for {$3500.00}. He told me to send the money via XXXX in the US Bank app to XXXX XXXX which is my name and to the email address XXXX. He said that using my own name would ensure the money went back to my own account. I was not heightened to the verification questions since this email address contained US bank and the name was my own. Once I sent the money he told me a confirmation number and hung up the phone. I filed a fraud claim immediately with US Bank and am told that the funds will likely not be recovered because I have authorized the payment. However, I have also been told by US Bank that this is a frequent call they are receiving. I have asked why they have not sent a notice to their customers and was told that they have sent them via email. I then asked if they could confirm if I have been sent this email and they told me that I have NOT been sent this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, Transunion XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Product: Credit card or prepaid card

Synchrony Bank issuer of the CareCredit card owes me {$550.00} worth in rewards. I faithfully and without fail used by card to earn points in full accordance of their reward program. My account without any warning whatsoever was unscrupulous closed by Synchrony on XX/XX/2023. 

Unknown to me that the account had been closed, while traveling on business, I was reviewing emails. I received an email stating I had reward points to redeem. As I really did start the review process a few days prior, and in a haste to stop wasting time on the internet, I needed to pack, and I thought I will pick a reward, gift cards later. 

On the night of XX/XX/XXXX I received the email while in my hotel. I thought, well, I am on the trip, the stress to pack and get out is over, let me have a look and pick some gift cards. I attempted to log in to find my rewards were XXXX! 

Imagine my surprise!! I then noticed on my Syncrhony Master login, that all of my Synchrony cards had XXXX available credit. I honestly chalked it up to a system error with the bank and called it a night. Turned off the laptop, watched tv went to bed. 

It was not a system error. In fact Synchrony in one fell swoop shuttered all 11 of my cards with them. No reason other than, " high risk for failure '' - ok whatever, that is your opinion of me. It is dead wrong and totally unfounded. Closing my accounts is a business decision. 

However, I EARNED MY POINTS fair and square! I earned them over the course of several years. 

Yes, terms of that card say, when an account is closed all points are forfeited, however, I was NOT given a fair chance to redeem my points. I was BAITED with " you have points '' and then that SAME DAY the account is closed and points are forfeited. At best this is unscrupulous, mean spirited, unfair, borderline unethical. 

I have learned by DIRECT CALL, when I attempted to get my points redeemed as intended as earned, that if a consumer calls to REQUEST account closure, there is a script an agent reads to advise consumer to redeem reward points or lose them.
Product: Checking or savings account

well XX/XX/2016 i deposit a check for XXXX dollars and capitol one 360 bank has not released the funds even though it says available please help they been holding my money way to long
Product: Money transfer, virtual currency, or money service

Yes, the company name is Cash app. They took money from me and I cant get it back. They gave me some number to call and the people wasnt real some automated number and each time you do what they say it bring you right back to the same number and they dont never handle the problem. They dont have nobody I can talk to about the situation and for the record, I would like to have my name on the list of the second round of the lawsuit that cash app is on
Product: Credit card

Kindly see the attached documents. I want the bureau to start an investigation into these accounts, as they falsely indicate late payments, which is not the case.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Product: Debt collection

I paid a settlement of {$330.00} to XXXX XXXX XXXX XXXX for my TD Bank/Target Card Services on XXXX and that was supposed to take care of the debt paid in full. As the notice that I attached was provided to me. I noticed that the debt was not paid in full on my credit report and the amount was reduced. Therefore, I called today XXXX and was told that the debt was sold to another collecting agency. The person I spoke with over the phone was unable to provide the name of the company of which the debt was sold and that Target Card Services/TD Bank was still collecting on the debt. The person I spoke with stated that a letter was sent in the mail that I did not receive, but they did see that a settlement was paid but the balance is still being sought after.
Product: Credit reporting or other personal consumer reports

I tried to reimport my credit report but the Fico Score of Equifax and XXXX is not showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian about a negative report that is showing up in my credit profile. I am not going to allow Experian to continue to violate my rights under law 15 USCa ( 2 ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. Experian is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and delete
Product: Debt collection

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : GENESIS CREDIT Original Credit : XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 A hard inquiry that is old a should be removed immeadtaly i tried to contact the credit buerau to updated this information, its been over 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the  XXXX  public records.   I then wrote to th e CEO 's  of the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, subse quently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

I am asking your help to please REMOVED a portion of the data in my credit file that came about because of a FRAUD.Per FCRA segment 605 you are expected to eliminate any records.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.Thank You. 
XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Received two letters from Bank of America today- who I have never banked with. 

One of them stated that problems with my application for a XXXX XXXX XXXX and I needed to call and verify information. I have never applied for credit card with them. 

The second letter from Bank of America is a bill for {$75.00} on a XXXX XXXX XXXX issued by XXXX  XXXX XXXX. I did not open this account nor do I owe anything to Bank of America. 

I called BOA and after 30-40 min wait, they took my info, assured me that they are fraudulent and said I needed to speak with their fraud dept. They then placed me on hold again - one hour plus and no one would ever answer.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELETION IMMEDIATELY ( 8 accounts ) & UPDATE IN THE ENTIRE PAYMENT HISTORY, PAID AS AGREED, NEVER LATE, PAID ON TIME ( 2 accounts ). YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) UPDATE THESE ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID AS AGREED, NEVER LATE, PAID ONTIME : ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit card or prepaid card

I applied for Unemployment with the state of Oklahoma beginning XXXX and got it. Money is sitting in Way2Go card run by Conduent but their customer service wont answer. They have to email contact and headquarters told me Friday the XXXX to contact local agency. After 3.5 hours I got " XXXX '' on the phone from number XXXX and got reference number XXXX for " Team 2 '' to contact me to update my address the same day. They never called. I have been on hold with this number and XXXX for over 5 hours this  weekend. I never received my card because they have the wrong apartment number, My address is XXXX XXXX I XXXX XXXX XXXX, XXXX  XXXX ( NOT XXXX XXXX ), XXXX, OK XXXX. My name is XXXX XXXX. I will be our of groceries any day if I can't access my card.
Product: Checking or savings account

I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Student loan

On XX/XX/XXXX I submited a Traditional Repayment Plan It has been processing for months now and it is XX/XX/XXXX and still no movement when payment resumes XX/XX/XXXX. 

I called on XX/XX/XXXX and was told it would process that week, I was lied to you by the customer rep. 

I talked to a rep on XX/XX/XXXX still not processed. I can not afford my current payment but would have been able to afford the traditional one but I am now in hardship do to their slow processing times and that they lied to my face to get me off the phone.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Property : XXXX XXXX XXXX XXXX New York XXXX In XXXX during the pandemic the bank hired company XXXX XXXX XXXX XXXX location of there business is XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX. 

To come to my house and changed my locked causing me to lose at my belongings and I then became homeless. 

I called the bank and the bank stated they sold the house. 

In XXXX, I was served a foreclosure noticed at my sons home which was XXXX XXXX XXXX in XXXX NY. 

The property was badly damaged by vandals.. 

The bank is now saying I owe them XXXX ; when the mortgage was XXXX. And now want to foreclose.
Product: Debt collection

I have already sent a debt validation request to the collection agency as per my rights under the fair debt collection practices ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that this debt is indeed mine. 

I request that you investigate this matter promptly and remove or correct the disputed information from my credit report if the creditor can not verify or validate the debt. The FCRA requires you to complete the invistagation within 30 days of receipt of the letter ( 15 U.S.C 1681i ) Account : XXXX XXXX XXXX Account Number : XXXX