23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently did a VA Assumption loan with Freedom Mortgage on XX/XX/year>. While the process was less than desirable, due to lack of communication from the underwriting department, we were able to finally get it done. I was able to create an online account as well as download the app to make my payment on XXXX for XXXX. When I went to log in middle of XXXX, I no longer had access to my online account or the app. The reason being that apparently freedom was showing the previous owner 's information was which was a violation of privacy. I was told I needed to go online to my bank ( XXXX ) and set up autopay for my mortgage for the amount of {$2500.00}. I received a letter in XXXX as well stating they had done an escrow adjustment as well, but they did it prior to receiving my XXXX homeowner 's insurance check from the closing and they were adjusting my monthly mortgage payment to {$2800.00}. I tried calling freedom to let them know the insurance had been paid and I would prefer to set up autopay with XXXX since I wasn't able to access Freedom Mortgage online or through the app and that there shouldn't be any adjustment since they had received the insurance premium already. I have tried to call Freedom multiple times and spoken with multiple agents, and they either can't figure out what department I need to speak with ( insurance, escrow, customer service ) and either hang up on me or send me to a different department where I get disconnected. This has been the most miserable company to work through and wish there was a way to switch lenders because this is unacceptable. Our last loan was with XXXX XXXX for years and we never had a single issue like this. I also contacted the XXXX XXXX XXXXXXXX and submitted a complaint and they have created a case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SPEEDY CASH/CURO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

I deposited {$200.00} in the CASH APP and now they won't let me withdraw the money giving some excuses that i don't understand and now they are keeping my money hostage
Product: Credit card or prepaid card

XXXX XXXX Card On XX/XX/2018, I paid off full amount due on XXXX XXXX Card, amount was {$68.00} owed to bring account to XXXX BALANCE. My credit union posted this payment, made on their issued VISA card, on XX/XX/2018. I attach here an image of that account summary showing this transaction on that date. 

Statement from XXXX for XX/XX/2018 shows {$68.00} " overdue balance, '' and then ADDS an additional {$40.00} " LATE FEE. '' They now want {$100.00} for a card that I have already paid off. A scan of this statement is attached here. 

I have demanded that Bloomingdales/American Express/department Stores XXXX XXXX correct their record, issue a credit for the {$68.00} already paid, REMOVE the {$40.00} " late fee, '' and close my account to prevent further bad behavior on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR XXXX XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXXXXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX XXXXXXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian 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 is the account that is reporting on my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out disputes letters to the credit bureaus on XXXX different occasions and still have not received any response from the bureaus acknowledging my letters. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not only have I not received any response in the mail, I also have not seen any comments on my credit report which is a violation of against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to the Transunion credit bureau disputing the accuracy of bankruptcy on my credit report dated XX/XX/2011. I sent them a letter from the Bankruptcy Court stating that they do not report to the credit bureau 's as well as a letter from XXXX opting out of giving out my credit information. TransUnion responded back stating that they verified the information as accurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with TransUnion as Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I received a response that account is accurate and they are not removing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX  XXXX {$32000.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX  XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}
Product: Credit card or prepaid card

Synchronicity Bank promoting identity theft I've been with Synchronicity Bank for almost 8 years. They suspended all of my 8 cards because I needed to verify my Social Security number because they said that somebody called and tried to act like they were me. In which their customer service agent got angry and close all of my accounts without my consent. I did not know they were all closed until I tried using one of my current credit cards. I had to call Synchronicity Bank to let them know that I do not close up all my accounts which were tiresome and frustrating. I mailed in my personal information on XX/XX/XXXX they told me they could not read my handwriting. I'm XXXX and because of that I knew my writing was difficult to read, so I sent a copy of my Social Security card with it to verify my information. Synchronicity Bank said that was not good enough for them so I had to e-mail my personal data. So the following letter that I received was on XX/XX/XXXX. I mailed it and took it to the post office on XX/XX/XXXX. I was inconvenienced because I had drove to the post office and handed it to the person behind the counter. I called on XX/XX/XXXX. They still didnt receive personal information. I then called on XX/XX/XXXX they still have not received my personal information. I called on XX/XX/XXXX they still received my personal information with my Social Security number and my address and my birthday on it my information. I called today, and they still have not received my information, so right now my personal information is lost!!!!!!!!!! We live in a time when identity theft is common, especially since they said that I called and close up all of my accounts. Synchronicity Bank is promoting identity fraud because they do not have a secure website where you can upload your personal information to them ..so right now, my personal information with my Social Security number, my address, my birthday, and my name is out there!!!!!!!!!! Synchronicity Bank the way they handle people 's personal information is unacceptable. 6 of my accounts that I have open for 10 years I can not use, and this is unacceptable and embarrassing, and frustrating my limit was started at {$3000.00} and because of my perfect payment history Synchronicity Bank raised my credit limit to XXXX now I have can not use because they don't have my personal information and I can't they can not verify who I am!!!!!!!!!! Synchronicity Bank 's practices are ridiculous and dangerous there's nowhere in the United States that you mail a letter in Georgia Synchronicity Bank has a Florida address so right now, my mail is lost. This is very concerning. Synchronicity Bank needs to have better, safer practices when sending information people 's personal information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX XXXX $ XXXXThese accounts do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is maintaining false and incomplete information regarding a XXXX XXXX XXXX XXXX account on my credit profile despite my disputing the information and the errors being readily identifiable on the face of the report. This account was subject to the XXXX XXXX class action and as part of the settlement terms the account was forgiven, causing a 1099 to be issues. Updated credit reporting to remove negative entries is also required under the terms of the settlement. As a result of my most recent dispute EXPERIAN corrected the information and updated my report to reflect that the account is paid but left numerous other errors. They include placing a dash mark where the balance should be XXXX ( despite the status showing paid ), stating the highest balance as XXXX instead of the correct sum of {$25000.00} ( see original balance ), reporting a balance history of {$11000.00} from XX/XX/XXXX through XX/XX/XXXX, despite each such entry also stating payment was made XX/XX/XXXX and the XX/XX/XXXX month showing NO DATA, reporting CLS in XX/XX/XXXX and negative history in XXXX, XXXX and XXXX - inconsistent with the terms of the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX department of education XXXX XXXX Both of these accounts are showing misleading info and needs to be updated
Product: Debt collection

Nordstrom debt has been paid and company has provided a written letter saying that credit agencies would be notified. That action has not been taken and the company has not responded.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone tried to apply for loans to get cars in my name and the credit card company failed to notify me and to verify with me with the number that's actually on my fraud alert and obtain my consumer report which resulted in inquiries on my credit report do to fraud
Product: Money transfer, virtual currency, or money service

My account has been restricted for 13 days. I have called skrill every day and they do not have a answer for me when my funds will be available or my account will be unrestricted.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( XXXX ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/2024 ( document attached ), XXXX is not the owner of the account and should not have sent nor listed the account to be reported to my consumer reports thus damaging my credit, adversely affecting my credit score and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/2024, I received a voicemail from XXXX which is a violation of my rights.
Product: Credit card

The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.
Product: Mortgage

On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a payment.
Product: Checking or savings account

Bank with American Express recently got my tax returned went to atm to withdrawal money and got a code XXXX means call issuer or police called bank said someone reported card stolen. Told her no got card in hand told them to lock/freeze account so we won't get money stolen. They also said replacement card got sent already asked what addressed some where in XXXX. Said we are from texas and the primary address they have on file doesnt match where card is getting sent. They stated account is on freeze. Later that night they took XXXX and after that they took another XXXX. We been calling everyday because we kept getting emails saying someone trying to get money out. They had us change passwords and they also gave us a conformation # if if they did receive a card they couldnt activate it with out that number. Well we also got a call from a caller acting like them asking for info. Right away we call bank again and said it's a scammer we told them we know just letting them know. They said they will put it down on there notes. Changed password again made sure it was locked as well. Later on today XXXX we get a notification that our account is unlocked and has a card ending in different last 4 digits then what we had. While on the phone with bank we get another email about a low balance while cop is present so he knows it's not us doing it. On this day they took out a total of XXXX  dollars out. Our disputes keep getting denied already made police reports. Even the bank worker says yes we are having alot of similar cases like this. All the bank says they are going to send us another card