23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In late XX/XX/2022, I wrote a check intended to be for {$9000.00} to someone from my personal checking account at Synovus Bank in XXXX, SC. Unfortunately, I wrote the check ambiguously and it should have been rejected by the receiving bank. The check was cashed at XXXX Bank in NC ( with whom the recipient banks ) for {$9000.00}. Days later it cleared Synovus for {$9.00} ( see attached ). When, I looked at the check image, I saw the confusion and approached Synovus for advice on how to handle it. I contacted the recipient who verified that it had cleared for {$9000.00}. Synovus sent the balance of {$8900.00} to XXXX on or about XX/XX/2022 with my approval ( see attached ). XXXX claims to have never received this transfer and months later changed the cleared amount from the original {$9000.00} to {$9.00} claiming to have never received the funds causing a nearly $ XXXX shortfall in the recipient 's account at XXXX. I have contacted Synovus multiple times and have been told the money was sent and it is not their problem. The recipient has contacted XXXX multiple times and has been told they don't have it. I filed a complaint with the FDIC who sent me to the Federal Reserve who sent me to you. {$8900.00} is lost and neither bank can/will find it. This should not be possible in an electronic, protected banking environment. All I am asking is for them to make the effort to find the money and return it to me so I can write a new check or send it to the recipient where it belongs. 

In retrospect, I should never have agreed to the {$8900.00} transfer, but I had no idea that the money would just disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supposedly according to a credit report in arrears to a payment of {$350.00} to XXXX. I have NEVER purchased anything from XXXX. I use them for a mobile device provider and I am on pre-paid plan. I purchased a used phone from a friend XXXX XXXX  and had my phone no. imported from XXXX XXXX for new service. I pay a total of {$26.00} every month for service. I have no clue where they believe I owe them any money. Do you really think that I have a usual credit score of XXXX plus would neglect a bill I really truly owe?, that's unheard of. I was never contacted by any collection agency. So where this imaginary {$350.00} is coming from is frustrating.
Product: Debt collection

On XX/XX/XXXX, I received mail from Midland Funding LLC about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last four digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XX/XX/XXXX ; received XX/XX/XXXX ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).
Product: Payday loan, title loan, or personal loan

I took out loans every month and my last loan for XXXX i had a XXXX and went into hospital for 2 weeks so when I got out and went home someone took my XXXX check for XXXX and wasnt able to pay rent or loan. I called XXXX XXXX and told them would have to pay interest and in XXXX pay off loan. XX/XX/XXXX they took {$96.00} for the interest for the month of XXXX, and I called same day to pay off loan before the next due date of XX/XX/XXXX, and the lady I spoke to said I had to pay {$430.00} for the {$300.00} loan that I usually pay {$310.00} by the 5th of each month. I confirmed they took the XXXX interest for the month of XXXX and that I was calling to pay off loan before the due date of XX/XX/XXXX, she kept saying I had to pay the interest for the month of XXXX even though it was not due yet. She than put loud hold music while I was talking to her and didnt come back to phone. I need help
Product: Credit card or prepaid card

My bank mailed Comenity - XXXX XXXX XXXX XXXX XXXX check number XXXX on XX/XX/22 and XXXX from Comenity ( ID XXXX ) said they still haven't received it and how would I like to make the past due minimum payment of {$160.00}. I said I'm not past due and that I send XXXX XXXX monthly payments and this is the second time Comenity said I didn't mail a payment. I have good credit and this has become a monthly job calling them which is ridiculous. They actually cashed a previous check and deposited it in a Bank of America account and asked me to prove that I made the payment. So here we go again. Yes, I have proof that my bank sent the payment. I asked to speak with a supervisor XXXX XXXX XXXX. I asked for an email address so I can have proof of all this going back and forth and nonsense. There is no email or direct number. This company has no accountability whatsoever. She only provided me with a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I said what happened with my automatic payment that was setup on XX/XX/22? She said let me check. No, you didn't set up automatic billing. I said yes, I did. I even have an email confirmation and I was afraid the check and automatic billing would cross and I would have {$600.00} coming out of my account. She said you could set that up now and you can write a letter to the XXXX XXXX XXXX : your prior check. I have absolutely no problems with my other credit cards and believe this is one big scam to hit me with late fees and high interest rates after the introductory period passes. I have proof of everything. 

Thank you, XXXX XXXX
Product: Mortgage

XX/XX/2023 XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department 1 Mortgage Way XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have spoken in regard to irregularities in this process. I would like to share with you examples of our current experiences so that you can help me to understand why. 
Our home is currently on XXXX XXXX foreclosure list XX/XX/2023, we were told that during the modification process we would not face foreclosure. ( Third time ) We are currently 18 days from foreclosure, we have not officially been notified. 
We never received a copy of the response PHH submitted to CFPB XX/XX/2023 We have not been notified that our appeal was denied. 

In closing, please advise us how the process has changed from when we started the process. 
Genuinely, XXXX & XXXX XXXX XXXX. CFPB
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a significant data breach occurred in which the credit reports of millions of Americans were improperly accessed and publicly released. This breach exposed highly sensitive personal and financial information, including Social Security numbers, credit scores, credit account details, and payment histories. The unauthorized disclosure has created a substantial risk of identity theft, financial fraud, and other forms of misuse. Affected individuals were not adequately notified in a timely manner, leaving them vulnerable and without sufficient guidance on how to protect their information. This breach demonstrates a severe failure to safeguard consumer data and comply with applicable privacy and security standards. Companys such as XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject account ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account ending in XXXXFor several months the company has been reporting a balance of {$1900.00} dollars.

Current Balance is {$0.00} Available balance is {$2000.00} I dispute this account several time with Equifax unsuccessful.
Product: Debt collection

1. On XX/XX/XXXX Ally Bank sent a third party to my home address to seize my property for payments. According to the 5th amendment, my privacy was violated, while I have a private property NO TRESPASSING sign on my property. 
1.a ) Criminal trespass in the first degree is a Class A Misdemeanor which is punishable by up to one full year in jail, a {$2000.00} fine and probation. Criminal trespass in the second degree is the midlevel trespassing statute in Connecticut. The statutory citation is Connecticut Gen, Statues Section 53a-108. 2. Ally Bank has violated 2018 Connecticut General Statutes Title 36a - The
Banking Law of Connecticut Chapter 669 - Regulated Activities Section 36a-646 - ( Formerly Sec. 36-243b ). Prohibited acts.

Universal Citation : CT Gen Stat 36a-646 ( 2018 ) " No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt ".

3. Ally Bank has violated : The Fifth Amendment protects the right to private property in two ways. First, it states that a person may not be deprived of property by the government without due process of law, or fair procedures.

4. Please see attachment for proof of " NO TRESPASSING ''.

Since that day I have been trying to get my property back and I have been getting the runaround.
Product: Money transfers

Money was never transmitted to bank nor recipient. Refund not provided to me Terrible customer service.Errors/Conflicting reference number I sent money via MoneyGram online service. on XXXX, 2015. I paid {$210.00}. cash, of which {$9.00} was transaction fee, reference # XXXX ( The Customer service does not have this number matching- I have E receipts and online account ). The money was intended for my mother via XXXX phone number XXXX XXXX XXXX in XXXX. When she went to the designated XXXX bank agent in XXXX, they informed her that the money was never transmitted nor in their System .I called customer care on ( XXXX ) XXXX ( XXXX ) XXXX, Filed online and they have had me with the following reference codes they called back XXXX and XXXX She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX I contacted MoneyGram about the problem and Called XXXX XXXX Customer number # XXXX. They told me that they dont have any money from Money gram to XXXX or they cant help help me even though my receipt shows my name and reference number accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The calls lasted over XXXX hours. The last person from opened a case, She said she would give me a call after they investigate. I have never had problem with money gram before but my trust and patience is running out, I used to really recommend money gram but for 3 days my joy of doing transaction with good faith has turned out to be pain -I was sending money for emergency the receiver never got the money, I am even scared using the products right before this ordeal my online account was blocked and I can not even access their Plus account, Today XXXX XXXX 2015 I realized the calls in Customer service are on long wait delay I have been on the phone all day trying to get a refund. I get transferred around and get hung up on, They need to really protect consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX Account # 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 a account with 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for Experian, XXXX, and XXXX is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.
Product: Debt collection

Debt originated with XXXX XXXX in the amount of {$440.00} on XX/XX/XXXX and was charged off on XX/XX/XXXX. The debt was purchased by Lvnv Funding, which is represented by XXXX XXXX Friday on XX/XX/XXXX. A lawsuit was filed by Lvnv on XX/XX/XXXX ( Case number XXXX ) in XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. The lawsuit is for {$920.00}. 

I received two notices of intent to collect the debt before the formal complaint was taped to my front door on XX/XX/XXXX. Since the debt was written off and I paid the taxes for the debt, I believe that this debt has been settled and that I do not owe anything anymore. 

I am XXXX XXXX XXXX and live on XXXX XXXX and a small payment for teaching an online course for XXXX XXXX XXXX. It is not possible to pay what is considered a closed case.
Product: Checking or savings account

This account was closed on XX/XX/2019 I submitted claims for unauthorized transactions due to identity theft crisis through XXXX data breach. 
The Bank of America account ending XXXX was closed with amount of {$3700.00} Which I have never received My claim number for unauthorized transactions is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX bank ) report a hard inquiry on my XXXX credit report, I have never applied for any financial product from this bank and also in that date I haven't had SSN yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.
Product: Credit card or prepaid card

On XX/XX/2019 I was charged {$230.00} in error from XXXX  XXXX XXXX XXXX. This stay was paid for via travel voicher # XXXX which cost me 50,000 XXXX XXXX Reward Points. In support of my dispute, I provided CItiBanik with evidence of the travel voucher being purchased on points, proof of the reservation being made on points, proof of the travel voucher being redeemed for the stay, evidence of the 50,000 points being subtracted from my XXXX Rewards Account, and a statement showing total amount due of XXXX dollars. 

Despite providing all of this I repeatedly received letters from Citi asking for the following : " A copy of the sales slip, invoice, receipt or advertisement proving the amount you should have been billed. Without proof, we may not be able to resolve this matter. I opened a dispute and provided " I provided a sales slip showing a XXXX balance, proof of payment via travel voucher and proof I should have been billed XXXX. I repeatedly sent in the requested documentation and was told repeatedly by Citi Dispute agents as well as managers, " oh yeah everything is there, they must have made a mistake. '' These calls are recorded in which Citi managers even state they see the oversite and that it was processed incorrectly. I'm more than happy to provide copies of these calls for Citi if needed. These agents would open a case and send it back to the investigator who would send me the same letter previously sent asking for documents already provided. 
Now that the deadline and all dispute rights have passed due to Citi 's error overlooking the submitted documents, Citi is stating they are unable to assist with the dispute because the merchant won't issue a credit. That's the whole reason dispute rights exist, for the times there are disputes when the merchant overbills and doesn't correct the error themselves. This case was never sent to MasterCard for mediation or handled correctly. 
Throughout the entire length of the dispute, Citi held me accountable for the purchase failing to issue conditional credits and charging interest on the charge in dispute as well as my entire statement because I did not pay the amount in dispute and it remained outstanding.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.
Product: Money transfer, virtual currency, or money service

I was trying to help out friend sending money through PayPal.This was first time sending money to my friend and the name popped for a person I dont know with similar email I can see if knew the person. I called PayPal less than 5 minutes after the incident and let them know I made a mistake the rep told me that that the customer didnt speak English. I really need the money which put me in a hardship. I am demanding my money be refunded to me or I am going file small claims court.My credit union will not return the money because they said it was a PayPal issue.The email was supposed to be a XXXX and not XXXX.The name pops up which makes it confusing and the system doesnt allow you to manually type in name.
Product: Money transfer, virtual currency, or money service

Someone created a fraudulent Venmo account using my photo, name and a username that was identical except for an additional -at the end. They contacted contacts of mine requesting {$300.00}. I reported the fraudulent activity to Venmo and provided a screenshot. The customer service representatives informed me that they could not discuss it with me and that the people receiving the messages from the fraudulent account needed to email Venmo. I have received zero confirmation that they will investigate the account despite my reporting of the fraudulent activity.
Product: Money transfer, virtual currency, or money service

From XXXX through XXXX I lost over {$90.00} using Trading platform called Coinbase. 
I downloaded on my XXXX via XXXX XXXX and followed all the directions. 
It mostly happened during converting my crypto. 
I couldnt convert my crypto in many occasions, and that repeated over that period of months, it must happened over a dozen times. 
I reached Coinbase support in various times. 
Coinbase support denied any wrongdoing and said that It was because of price changes. 
I just dont believe it, because in various occasions for example, during trading XXXX must tried a dozen times over and over and still got the same email about not be able to convert. 
I also have other issues with Coinbase trading platform performances.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX WY XXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX