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

In accordance with the fair credit reporting act. The following Accounts XXXXXXXX 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 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit card

My credit card was moved from Synchrony bank to XXXX without my consent or authorization. I never received information of my credit card being sold or transferred from synchrony bank or XXXX. I was never made aware of the fact that I have or had the option to opt out. I never received any package from synchrony bank or XXXX for opt out option. They violated my right and took advantage of me. XXXX and Synchrony bank both should be held accountable for these actions. If I had known that synchrony bank was selling their credit card business to XXXX, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on reddit and all over the internet that I have come to learn.
Product: Debt collection

To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.
Product: Money transfer, virtual currency, or money service

I have had an Amazon account for many years. In XX/XX/XXXX I signed up for Amazon Prime and the monthly fee was charged to my preferred method, that being my MasterCard Number. Then, in XX/XX/XXXX I signed up for the Amazon Store Card while I was in the midst of a purchase. It told me that it would be making my Amazon Store Card my default method of payment. As I did not want that my default payment, I changed my default back to my MasterCard. All of my purchases started going to my MasterCard as expected. Then on XX/XX/XXXX I see an email from Synchrony Bank telling me that I missed a payment on my Amazon Store Card. There should have not been a balance due as I changed my default payment back to my MasterCard. Unfortunately, when I changed the default back to MasterCard, unbeknownst to me, Amazon billed my Amazon Prime fees for the month of XX/XX/XXXXand XX/XX/XXXX to the Amazon Store Card even after I changed my default setting. As you can see in the attached screen shot, it clearly states that the default payment method will also apply to other digital purchases, but they failed to apply it to my Amazon Prime fees. I now have late payment notices to an otherwise unblemished, 100 % clean credit score because of this. Amazon needs to write a letter to each of the credit reporting agencies and to me explaining these late payments are not my fault and that these marks are to be expunged from my record. I have already talked to Synchrony Bank and the reimbursed the left fee and the finance charges. Now, Amazon needs to do their part. They also need to fix their system to properly notify their customer 's what the default payment does and does not apply to. I have also noticed that the default payment method does not effect each individual shipping address a person has. Each address appears to get tied to a different default payment method, but this is not disclosed when reviewing your wallet information on either the app or the site. This too is misleading. While they can claim Synchrony bank was sending me emails, I do not open emails unless I know I have a revolving balance with a specific creditor. As I was not aware Amazon was billing Amazon Prime fees to the Amazon Store card, as far as I  was concerned Synchrony was sending me marketing emails that I was not interested in and did not want to spend the time opening them. I have since closed my Amazon XX/XX/XXXXStore account to prevent this from  happening again.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) and Regulation V Human Trafficking Final Rule, which was amended in XXXX consumer reporting agencies ( CRAs ) can not make a determination based on the validity of the facts or circumstances in a consumer 's trafficking documentation submission. It is true that there is not a lot of evidence that directly shows someone is a victim of trafficking, and victims of trafficking are not always known. Section 1022.142 ( B ) ( 6 ) ( I ) says that health care providers, social service providers, and victim advocates who regularly screen and work with victims of human trafficking can make victim determinations. The rule also stipulates that a consumer reporting agency is not permitted to challenge a consumer 's determination that an adverse item of information was the outcome of a severe form of trafficking in persons or XXXXXXXX trafficking. 

A consumer reporting agency may only decline and rescind a block if the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did NOT provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. I have provided a victim determination letter, which should not have been rejected based on the current law and its legal limits. 

CRA 's do not have the authority to make verification calls to different health sources to confirm my human trafficking status or receive any additional information relating to such sensitive personal health information. Health care facilities and any other legal entities that fall under HIPAA requirements are not allowed to disclose such information. Equifax has violated my privacy rights and overstepped its constitutional authority by disclosing my name, health status and other personal information to office personnel during their unjust investigation. Equifax continues to block the victim determination letter submitted on the grounds that they could not verify the validity of the victim determination letter, which again, Equifax had no authority to challenge. The law was enacted to deprive CRAs of their authority to challenge and question victim determination letters in response to incidents such as those committed by Equifax. 

Back in XX/XX/year>, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She had to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Federal and local authorities are still investigating the crime committed against my family, and because of Equifax crossing the line to verify information, my personal information has been exposed, and now my family is at risk yet again. I can only imagine the negative consequences and blockage of recovery efforts that Equifax have caused others. The law was passed to ensure that survivors of XXXX XXXX are not unfairly penalized for circumstances beyond their control. Equifax has created negative barriers to keep me trapped in negative credit reporting, and has prevented me from accessing housing, employment, and other resources essential for my recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXXXXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.
Product: Checking or savings account

I have a checking account with Chase Bank. They recently sent me an email advertising {$200.00} when depositing {$15000.00} into a new Savings Account and leaving it there for 90 days. It seemed normal, but on review of the email I found that the offer was actually expired prior to it being sent. Even if I opened the account immediately, I would not have been given the {$200.00}. While this information was all found in the email, it is dishonest to send an offer with a headline for a product that doesn't exist, a bait and switch of sorts. 
I contacted Chase for an explanation, since it's possible the email was delayed due to a technical problem or just a legitimate mistake, but the responses were just as misleading as the original email. 
See the attached correspondence with Chase for details.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Shellpoint Mortgage Servicers. In 2017, my loan was transferred to another lender away from Shellpoint and Shellpoint refuses to update the " Payment Status '' of this account from " 120 day past due '' to " Account Sold or Transferred to another Lender ''. The account is NOT 120 past due or delinquent, as Shellpoint is no longer the holder of this account. This account should reflect as paid with XXXX, XXXX, XXXX. I have placed a call into Shellpoint about this issue and spoke with Customer Service who confirmed that she was sending an email to a Shellpoint Supervisor to request for this information to be updated on my credit report. This was not done as promised. Hence, I am filing a complaint. I have disputed the information with the 3 credit bureaus and the results came back VERIFIED, which is incorrect. I'd like written proof of what the verification process was to verify that this account status was correct. This account needs to updated accurately or removed from my credit profile immediately. Thank you.
Product: Mortgage

ON XX/XX/XXXX, I CALLED ALLY BANK REGARDING A FOREBEARANCE FOR MY HOME MORTGAGE LOAN. THE AGENT READ TO THAT I COULD HAVE 180 DAY FOREBEARANCE UNDER THE CARES ACT. HOWEVER, ALLY WAS ONLY GOING TO OFFER ME 120 DAY FOREBEARANCE AND SHE DID NOT KNOW WHY. HOW IS ALLY ABLE TO VARY FROM THE LAW OR AM I NOT UNDERSTANDING?
Product: Debt collection

This company calls every week, sometimes three and four times every other day. They do not leave any voicemail. I requested they not call me and only reach me by regular mail but they refuse to comply.
Product: Vehicle loan or lease

I CONTACTED SANTANDER FOR A REPOSSESION THATS SHOWING UP AS A SANTANDER CONSUMER USA- ( CHARGED OFF ACCOUNT ) WITH A Balance OF {$18000.00} FOR Acc # XXXX.THIS VEHICLE WAS SOLD SHORTLY AFTER THE REPOSSESION.
Product: Credit reporting

I sent a letter to Equifax outlining errors on my credit report in XX/XX/XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XXXX XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XXXX and paid in full. 

Wells Fargo sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.
Product: Money transfer, virtual currency, or money service

Over the past 18 months we have had two checks. One check is a settlement check and the second check is a retainer being returned. During this time we have had several different judges and clerks that have attempted to correct the problem and still have not had any good results. The checks have been denied for a variety of reasons.The two checks have been reissued ( 11 ) times by ( 14 ) judges, ( 9 ) attorneys, ( 34 ) clerks, and ( 7 ) clerks. We have had suits filed against the court system. During this time I have been XXXX XXXX XXXXXXXX. I have recently lost my position at XXXX due to the complications resulting from the NY XXXX XXXX and constantly calling to resolve this problem. I have an extensive phone log for all the calls and time invested in this process. This can vary from just a couple hours up to XXXX hours each day. I have documented proof of my calls and conversations. I also have to ask for rides to go to the court or the bank and need to pay for these rides even when they deny the payments. I can not afford my medical needs and have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not afford my transportation, appointments, or medication. I am not sure of how long I will have to get help for my medical needs. I also want my family to be secure. Please help me!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to Equifax and XXXX. XXXX ref # XXXX.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2023 I applied for a personal loan for credit consolidation, on XXXX XX/XX/2023 I called to follow up on the loan. The call center agent then advised me that the loan got approved but never discussed the terms and conditions of the loan. The agent advised that all I need to do is go to the branch with a form of ID. Once I arrived at the branch all efforts for this loan was discussed with me in XXXX. I do not speak nor understand XXXX and had no idea what was being given to me neither the terms and conditions as all paperwork is in XXXX as well. According to my knowledge and the law this is unlawful.
Product: Debt collection

I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.
Product: Debt collection

Today on a recorded call with Experian, I informed them that XXXX XXXX  and XXXXXXXX XXXX  had placed a fraudulent debt on my credit report. I have repeatedly attempted to contact XXXX XXXX and XXXX XXXX to ask them to provide proof of this debt to no avail. XXXX and XXXX XXXX have also been providing this fraudulent debt. Ive spoken with a representative today from XXXX XXXX who stated that the information the have on their system is from Experian. Experian is providing fraudulent credit information to others. I do not owe XXXXXXXX XXXX  or XXXX XXXX  any money. I was informed, during my call with Experians customer service representative, XXXX, that a company called, XXXX XXXX also has placed a fraudulent debt on my credit report. Ive asked ExperianXXXX to remove all of this fraudulent information. She informed me that I am to provide a complaint with the FTC. When I went to the FTC ( Federal Trade Commission ) website, I was redirected to CFPB website to file the complaint. I want this fraudulent information removed immediately AND I want Experian to contact XXXX XXXX and authorize them to remove the fraudulent information they have placed in their system as well. The reference number for XXXX XXXX is Ref # XXXX. XXXX owns XXXX XXXX. I want this fraudulent information removed from XXXX too. Experian should not be allowed to put fraudulent information on anyones credit report without verifying that the debt is valid. They are ruining peoples lives and should be held accountable in a court of law. This is slanderous and libelous. Today XXXX from Experian also provided this information : XXXX XXXX XXXX Partial Acct number XXXX - {$18000.00} XXXX XXXX XXXX  Partial Acct number XXXX - {$20000.00} This is fraudulent and must be removed immediately!
Product: Money transfer, virtual currency, or money service

A friends XXXX Account was hacked- XXXX XXXX XXXX. She posted that she was selling a bunch of items for her XXXX uncle who was going into a XXXX home. XXXX of the items was a hot tub. We texted on messenger and she solicited a XXXX deposit to hold the hot tub until we could meet next week to look at the hot tub and either take it or get a refund. Weve been friends for 20 years so I really didnt think much of it or thought it was in any way unusual. I couldnt get a XXXX deposit to go through on Zelle, only XXXX. Then she wouldnt give me the last XXXX digits of the phone number to send the rest through XXXX. I started to get suspicious because the Zelle person and the XXXX person were different people. Then she agreed to do an XXXX  request, but it came from a XXXX number, which is not a XXXX  or XXXX  area code, which is where XXXX and I both live. Thats when I got suspicious. So I texted another friend, XXXX, to see if shed send me my XXXX ( XXXX ) number, so I could verify that this XXXX number was, in fact, XXXX. Thats when I was told by XXXX that XXXX account was hacked and I should NOT send any money because it was a scam. I asked the scammer why these people were all different and was told they are my relatives. I called XXXX and confirmed she was hacked and that other people may have been defrauded of their money. Then I disputed the charge to my bank, which probably doesnt amount to much and Im guessing Ill never get my money back. I reported the profile on XXXX and reported the post. I think XXXX has finally taken the profile down.