23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a BP credit card that was serviced by XXXX XXXX, I had no problem during the entire time I have used the card. The card was transferred to Synchrony Bank. I set up auto pay for the full balance on Synchrony 's site but as the due date approached I could n't see that an auto payment would occur so I made a manual payment for the statement balance. The auto pay was also deducted. I called Synchrony to have one payment reversed and was told I had to provide a bank statement from my bank showing that XXXX payments had been made! Synchrony bank claimed that the refund department had no way to see a duplicate payment and they expected me to provide proof of a duplicate payment! The agent also said that I could NOT have a payment reversed as there had been charges made on the card after the statement closing date and I could only receive the excess after my current charges were deducted.
Product: Mortgage

Outstanding Escalated Suntrust Case # XXXX ( Foreclosure Initiated/Pending ) Suntrust Mortgage has failed to respond with a substance response specific to my Escalated Case # XXXX. This case was opened on XX/XX/XXXX. Suntrust issued a letter dated XX/XX/XXXX,  addressed to my wife and I, stating Suntrust mortgage services your mortgage loan and intends to initiate a foreclosure on the mortgaged property in the name of : XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX - XXXX ( Noteholder ). Noteholder can not locate the original promissory note and will seek to prove standing thought a lost note affidavit. Neither Suntrust or XXXX XXXX XXXX have provided the required lost note affidavit. I specifically filed my Escalated Case and requested where the lost note affidavit is supporting who the noteholder is. I understand I have protections against unnecessary foreclosure until Suntrust responds to this specific question and provides the required lost note affidavit as the servicer Suntrust has not resolved my Escalated Case, nor has Suntrust suspended the scheduled foreclosure sale set for tomorrow XX/XX/XXXX at XXXX XXXX. Its my understanding Suntrust must review each Escalated Case received from a requestor against the information and documentation in the servicing system and or mortgage file and determine the accuracy of the inquiry and reach a resolution. Its my understanding when a server receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. With this case being received on XX/XX/XXXX and a response that is specific to my request has not been received I am asking the CFPB to take action and force Suntrust to suspend tomorrows sale. I requested why the Lost Note Affidavit had not been supplied only after Suntrust sent me a letter informing me the NoteHolder had lost the note and would provide the required lost note affidavit necessary to establish standing. Here we are the day before the sale and that document has not been provided nor has Suntrust responded specifically to this still outstanding request. The CFPB should request the audio call files for the dates of XX/XX/XXXX and XX/XX/XXXX from the servicer and the CFPB will have a very clear idea of how Suntrust manipulates borrowers by informing the CFPB it has responded yet never specifically responded to the borrowers question. In this case, where is the lost note affidavit and why does Suntrust continue to refuse to provide this document? XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

Hello, I recently purchased a home with Home Point Financial ( Loan # XXXX ) but lost my job due to COVID right after closing. I explained this to Home Point via phone call and they promised me a forbearance program, which wouldn't negatively affect my credit. However after the second month of forebearance, my credit was hit with a 60 day late! Fortunately I was able to borrow money from a relative to make up those payments and exit forbearance as I began a new job, however Home Point has refused to remove the late payment reporting, although they agreed to a forbearance program for me! Their representative even told me over the phone that it was currently illegal for them to report late payments. Is that true? Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to delete a delinquent account that had been resolved with the CFPB. 
Synchrony Bank informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX XXXX XXXX, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting or other personal consumer reports

I want all hard inquiries removed immediately from my credit report via XXXX XXXX XXXX XXXX b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.
Product: Bank account or service

On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by BANK of America that I had no right to know who recieved these funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc ) 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 on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressing for these violations
Product: Vehicle loan or lease

In XXXX XXXX I requested a payoff amount from GM Financial to pay off my car loan. I paid over {$9000.00} the beginning of XX/XX/ and received a letter not long after, showing that the loan was paid off. I took the letter to DMV and weeks later, received my car title with no liens. Now, two years later, I started receiving emails and voicemail messages saying that I now owe {$3000.00} on the car loan. I deleted the emails and didnt call the voicemails back thinking it was a scam. I decided to finally call GM because I was annoyed and wanted to make sure it was a scam. To my surprise, the customer service clerk tells me that they had made a mistake, two years ago, and my car loan was not paid off and I owed over {$3000.00} and my payment was past due. I am extremely upset and dont understand how a mistake like this could have happened, why they waited two years before contacting me, why they mailed me a letter saying it was paid off and why they reported it paid off to the credit bureau .
Product: Credit reporting or other personal consumer reports

XXXX not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney XXXX XXXX in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney XXXX XXXX in my state and yours if the above items are not deleted ASAP. 



Tracking everything XXXX XXXX  XXXXXXXX XXXX CFPB
Product: Debt collection

They are not responding to my letters when I specifically told them to talk to me in a written correspondence. They have called me 5 times after receiving the letter
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting or other personal consumer reports

I sent a formal dispute letter addressing inaccuracies and issues with multiple accounts listed on my credit report. These issues involve late payments that I assert should be updated as " paid as agreed, never late, '' unauthorized hard inquiries, and debts that require validation under federal law.

Citing specific provisions of U.S. Code laws, I requested the following : Under 15 U.S. Code 1681a ( 2 ) ( i ) : Corrections to late payments for several accounts to reflect " paid as agreed, never late. '' Under 15 U.S. Code 1692g : Validation of debts by debt collectors, requiring proof such as original applications or contracts bearing my signature. I stated that failure to validate the debts would require their immediate removal from my credit report.

Under 15 U.S. Code 1681b ( a ) ( 2 ) : Deletion of an unauthorized hard inquiry for which there was no permissible purpose.

I demanded a thorough investigation within 30 days, in compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). I made it clear that failure to resolve these issues would lead to legal action, including claims for defamation, negligent enablement of identity fraud, and FCRA violations, seeking {$1000.00} per violation. I also explicitly prohibited automated verification methods like e-OSCAR, requesting detailed verification methods instead.

In summary, my goal is to ensure the accuracy of my credit report, validate any debts in question, and hold all parties accountable for compliance with the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Dear Transunion Representative Re : Dispute of Bankruptcy on My Credit Report I am writing to dispute the bankruptcy listed on my credit report. The information is inaccurate because the bankruptcy was dismissed. 

The details of the disputed bankruptcy are as follows : - Account Name : Bankruptcy XXXX  XXXX - Account Number : XXXX - Date of Bankruptcy : XXXX XXXX - Court Name : United States Bankruptcy Court for the XXXX XXXX of XXXX XXXX - Case Number : XXXX - Dismissal Date : XXXX XXXX I request that you investigate this dispute and correct the inaccurate information on my credit report. Please update my credit report to reflect that the bankruptcy was dismissed and remove any negative marks associated with the bankruptcy. 

I have attached a copy of the court order dismissing the bankruptcy, as well as any other relevant documentation. Please review this documentation and take the necessary steps to correct my credit report. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the next 30 days. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashapp XXXX XXXX Cashapp XXXX XXXXXXXX To preface, I am facing a sophisticated cyber attack shrouded in public corruption. I reported a fraudulent company & multi-million dollar scam to the FTC about 4 months ago and the group orchestrating the scam is preventing me from communicating with others by phone or text or internet. To circumvent this I've been forwarding traffic from a variety of domains to websites I've created with information about the situation. It's escalated to the U.S. military working with one of my cellular providers to monitor the traffic to and from one of my phones. IP addresses assigned to the Dept. of Defense ( a few times also the XXXX XXXX XXXX XXXX ) are always showing up for the source of my cellular data, but I am yet to speak with anyone about what's going on. 

Currently I am unable to spend money online using any bank or digital wallet, and I can not open a new bank account at any bank due to banks being unable to verify my identity after I enter my SSN. It seems as if I've been declared deceased and any use of my social security number is being refused. I recently moved to XXXX XXXX, Nevada from XXXX, IL without much warning and it's possible someone reported me missing, but I'm unsure how to find out. This also could be a tactic by the group of scammers to prevent a XXXX investigation in XXXX XXXX after I've been declared XXXX in XXXX. 

Here 's what's happened in the past week : 1. )  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX  rejected my application to open a checking account because they could not verify my identity. 
2. ) I was unable to deposit cash into my Cashapp account with an error message of " suspected fraud '' being the reason on the cashier 's screen. I opened a new Cashapp account and the same thing happened with that account at a different deposit location.

3. ) I added money to a XXXX pre-paid debit card, but when I tried to register the card online with my SSN they were unable to verify my identity, so I am unable to add a billing address, or make transfers or withdrawals. 
4. ) I can not log into my account with XXXX because they can not verify my identity. 
5. ) I received an email from XXXX about a credit inquiry, but I have not applied for anything except checking accounts in the past year. I received a similar email from XXXX, along with an email about being approved by a lender for a loan. I do not have access to any XXXX account currently. 

I am reporting this to keep record with the Consumer Financial Protection Bureau and in my own publicly-accessible list of reports. If there is anything your office can help with it's appreciated. If any action is taken on my behalf, PLEASE approach the situation with grave seriousness and be mindful of hacking and manipulation by highly premeditated social engineering tactics. 
Thank you!
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX in XXXX XXXX, FL ( XXXX XXXX Airport Branch ) has failed to refund to my Bank of America account ( XXXX ) in the amount of {$230.00} after their desk agent at XXXX XXXX Airport stated that she would not charge my Bank of America credit card for the renting the same vehicle on Saturday XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX.

Due to a name change on the driver my husband paid the rental via his XXXX credit card ( XXXX ). Her husband paid the extra charge which totaled {$230.00} since it was a last minute decision to include her husband as the main driver. I agreed to accept the extra charge as long as XXXX would reimburse my BofA account. The XXXX agent told me she would reimbursed the {$230.00} charges on my BofA account and would have to wait a few days for that charge to be reversed, since it was for the same vehicle. Hence, the charge on my Bank of America credit card account should have been deleted or refunded as promised. Bank America, was sent extensive documentation as well as a detailed explanation but refuses to delete or reimburse this charge when valid and reasonable proof was presented to their representative. 

I have included the required information that shows these charges are invalid and will attach them in this complaint which. 

XXXX invalid charge and BofA 's refusal appears to be a violation of EFTA, UDAAP, and FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX AUTO - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SYNCB/LOWE XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I'm writing a second complaint on this one. There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/2024 which I am quite clear about the accounts that were fraudulent and in issue.
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 ( XXXX ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I contacted my lender ( SPS ) on XX/XX/2021 for a loan workout because I have new financial situation, I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. But they said there are no options available for me except shortsale or foreclosure. Also that there is a foreclosure moratorium right now in California until XX/XX/2021.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Certain accounts listed are erroneous concerning their reporting.