23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had multiple ( XXXX total ) fraudulent charges on Paypal account from XX/XX/XXXX- XX/XX/XXXX, who is associated with Synchrony Bank. I disputed the charges and the outcome was in my favor in XXXX, XXXX. However, in XX/XX/XXXX, Synchrony Bank reposted XXXX of charges removed because their system detected it was a duplicate credit. I've spoken to multiple people at Synhrony Bank and Paypal to have the charge removed. Both companies are in agreement that the charge is not correct and it was sent to their disputes department to re-open the case to have it removed. I have repeatedly asked for proof that the dispute was re-opened to no avail. I have repeatedly asked for the charge to be removed as it would follow normal protocol of a dispute case until the investigation comes to a resolution to no avail. I have spent over XXXX hours on the phone between Synchrony Bank and Paypal to no avail to get this resolved. It appears to me Syncrhony Bank is trying to raise money by charging their customers fraudulent charges in effort to collect money that is not owed.
Product: Mortgage

There are many problems with this lender but for the sake of this claim- I had to declare bankruptcy to protect my home due to their deceptive practices, and as I was exiting bankruptcy after 5 yearsthey didnt cash one of the final payments from the court. The check was eventually canceled all the while they were charging me late fees etc. They didnt miss a payment in 5 years but miss the next to last one.after the check canceled, the court moved the money to unclaimed funds. It sat there for MONTHS until I got them to finally request the funds. The court then alerted me the funds were mailed to them and almost a year later the funds have still not been accounted for or posted to my account. They do this hoping home owners wont be able to pay and fall into foreclosure. This lender and servicer are terrible. They should not be allowed to process or lend to potential home buyers. They send people to my home to check if the home is occupied and charge me for that. I have over XXXX in fees that should not be charged to my account. Please help me find this missing payment. This bank has cost me enough. I only declared to prevent them from being able to take my home. NONE of the legal processes were followed and my NEIGHBORS are the ones that told me my house was in foreclosure originally. You can see how distraught I have become over this bank and lender. I have made request after request and my lawyer has made attempts as well. We get the same song and dance that they will investigate and get back to meonly they never do. Your assistance is greatly appreciated.
Product: Debt collection

Comenity Capital Bank have continued to call me blocking their number and I have continuously asked them to stop calling and they will call and the calls are a few minutes apart every hour. The last time I answered the call the person did not verify who he was speaking with and then proceeded to ask if I had an attorney in regards to my bills for the cards I have with them. The calls have been everyday. Each card is for a different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion ; XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, I applied online for a Sams Master Business Card, providing only my business information, excluding any personal details beyond my name and the phone number associated with my business. I expressly prohibited the use of any personal information in the issuance of this business credit card, which had a limit of {$20000.00}. Despite this clear directive, the underwriter deceitfully accessed my personal credit information by circumventing the system and using my name and phone number. He acknowledged that my social security number was not provided and yet proceeded to run a personal credit check based solely on my name and phone number, in direct violation of my instructions. 

This unauthorized action resulted in adverse consequences : my application for the business credit card was denied, and my personal credit report was subjected to a hard inquiry, leading to a XXXX decline in my credit score. Furthermore, a customer service representative later confirmed that, as this was a business credit card application, only my EIN and DUNS number should have been used, not my personal information. 

The actions of your underwriter and customer service representative constitute a clear violation of my rights under applicable laws governing the use of personal credit information.
Product: Checking or savings account

I filed a dispute with regions bank. My checks were being returned. After the claims were approved and the money was dispersed to my account, The bank allowed someone else to withdraw my funds. after complaining, I wasn't able to be assisted. The claim number is XXXX.
Product: Vehicle loan or lease

Ally Financial modified a loan without my consent. I have contacted customer relations several times with no success. Ally Financial, although they agree to reinstate my original contract per their letter sent to me on XX/XX/2021, after talking to representative XXXX XXXX he states that only partial of the contract can be reinstated in the amount of {$290.00} after questioning why, he did not have a clear answer. I find this to be unacceptable and will continue to wait for Ally to do the right thing.
Product: Credit card or prepaid card

Someone opened a card with milestone credit card with all my info. I am currently in XXXX and I'm not aloud to open any new accounts ' as set by the courts. plus this card was open XXXX of this year. I have no idea who and how this was done to me. please help. 
Tank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting debt not belonging to me as a collection XXXX XXXX Times for same amount. This account I am not aware of an it is appearing on my credit report XXXX times for the same date and amount XXXX must correct this error and stop the inaccurate reporting of PARAMOUNT RECOVERY SYSTEMS and XXXX XXXX XXXX XXXX XXXX must delete the duplicated reporting from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
Product: Checking or savings account

XXXX XXXX is XXXX! Yet he has been appalling disrespected by Wells Fargo Bank because it has been maximizing its overdraft fee policy at his expense such that a {$35.00} overdraft fee caused his {$5.00} check to bound which caused yet another {$35.00} overdraft fee and so forth and so on! 

XXXX XXXX has repeatedly told Wells Fargo Bank that HE IS XXXX! And yet still this aforementioned abuse! 

XXXX XXXX has had to write many letters, many sent by XXXX ground and USPS at considerable expense amount to at least {$100.00}! 

XXXX XXXX has repeatedly respectfully asked, requested, demanded reimbursement of that {$100.00} but Wells Fargo Bank rejects THIS, continuing as it does to disrespect XXXX XXXX who, to repeat, is XXXX! 

Here is the same bank whose President was roundly and widely criticized for telling his employees and this the nation and the world that Wells Fargo Bank can not find enough XXXX people to fill jobs there! OUTRAGEOUS! SCANDALOUS! SO VERY HIGHLY INDECENT! OSCENE, IN FACT! 

And yet all that XXXX XXXX receives is XXXX from Wells Fargo Bank with first this and then then so called representative of something called the " Executive Office of the President '' of Wells Fargo Bank calling, writing, pestering, harassing XXXX XXXX! 

And it does not stop even though XXXX XXXX has repeatedly but repeatedly told executive of Wells Fargo Bank that he is a XXXX  citizen of very advanced age with XXXX XXXX XXXX XXXX 

Unrelenting, merciless, barbaric, brutal, grossly insensivity, lacking in any and all compassion! 

And we are outraged to be assuredly sure! 

XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was completely shocked when i looked at my credit report and found the late payments on the dates below XX/XX/2019 XX/XX/2019 XX/XX/2019 I AM NOT SURE HOW THIS HAPPENED. I BELIEVE I MADE MY PAYMENTS TO YOU WHEN I RECEIVED MY STATEMENTS. MY ONLY THOUGHT TO THIS IS MAYBE MY MONTHLY STATEMENT HAD NOT GOTTEN TO ME.
Product: Debt collection

On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports. 
Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.
Product: Debt collection

I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.
Product: Debt collection

Account Name The XXXX XXXX XXXX Account Number XXXX Date Opened? 
Balance {$170.00} Collections is not from original creditor. I do not owe GB Collects, LLC- ( account # XXXX ) {$170.00}. I never heard of GB Collects , LLC and I never did a contract with them.
Product: Credit card or prepaid card

US BANK is marketing and offering a XXXX XXXX credit card. Under the running promotion the customers is to receive a promotional bonus after meeting a the requirements fo the promotion. Those awarded miles would then be posted to XXXX XXXX account and can be redeemed for award flights. However, in XX/XX/2018, XXXX XXXX moved all the US register accounts to a third party register in XXXX. Those miles were rebranded as points and now have half or less the value of the original miles -- even those awarded via the US Bank credit card. US Bank and XXXX insist in their statement that mile redemption values has no chained but this is false. Mile redemption now is liked to residency of the account. US residents MUST use a XXXX  partner ( registered undeXXXX XXXX law ) to redeem points earned on US Bank credit card that now cost 2-3 times more than some non-US residents would be charged. The change in value and devaluation was NOT announced prior to the move. As a matter of fact, both US BANK and XXXX   FALSELY communicated that the transfer of miles to points would have no impact on their value. Many attempts to dispute their rational and the unfair nature of their marketing have resulted to no solution.
Product: Mortgage

In XXXX I entered into covid for forbearance with Veterans United and it was explained to me that at the end of my covid pause that they would be able to modify my loan or refinance to a lower rate. As I was applying for the modification for 3 months I was entering into my application the same information over and over for 3 months when they had all the information the first two weeks. Then exactly after my 6 months of covid pause then they tell me that my modification was rejected. It was my instruction that the company would at least in the end wait until I refinance to collect arrears. I am able to make my normal payments but now they tell me they won't accept my payment only the whole amount due. My income is now the same as when I bought the home to qualify for the mortgage but it seems that it won't work with me on on the matter. I feel that the company is not treating me fairly with the covid situation I had which was not my fault. My wife after the covid shot irritated a XXXX in her head with led to a major operation and effecting my income for a whole year and it seems a company working with XXXX XXXX  would be a little more considerate of the situation during the covid forbearance. I know that I'll be refinancing soon and I could pay the arrears.
Product: Debt collection

A dispute letter was sent to North American Credit Service Inc in regard to a notice I received calming that I owed a debt. In the letter dated XX/XX/XXXX, I requested the following information : ( 1 ) Validation of debt, original agreement to this debt, detail billing statement, proof that this company has been given authority to collect this debt, and what actions this company takes to protect my personal information in accordance with XXXX. Amount of alleged debt {$1000.00}. As of XX/XX/XXXX NACS has not provided this information which exceeds the 30-day period in accordance with the FDCPA. I have not given said client XXXX XXXX to share any protected personal information with NACS or any other company nor have I received any of the services it claims. I demand that you cease all collections until this information has been provided.
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid off my XXXX XXXX auto loan with Wells Fargo. The payment was acknowledged as paid in full, and Wells Fargo guaranteed they would be mailing the paper title to me on XX/XX/XXXX. The loan number is XXXX, and the vehicle VIN is XXXX. 

We had not received the cleared title by XX/XX/XXXX, so my wife called, and Wells Fargo said they had sent the title to a very old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. I contacted the old address, but they denied having seen it arrive. My wife then asked on XX/XX/XXXX for a lien release letter from Wells Fargo so that we could have Texas issue a new cleared title. Wells Fargo, on the call, stated that it would go out on XX/XX/XXXX. 

I had not received a Lien Release Letter by XX/XX/20, so I called them, and they had no new information, other than to state that the letter was in the mail. I called them back on XX/XX/20 to follow up, spoke to someone in the Auto Title Department, and they said such a letter would take 10 business days. 

I called back on XX/XX/XXXX, still having neither a title or a lien release letter, and I was told that a Lien Release Letter had actually never been issued, but that the original paper title had been returned, and they would be sending it back to us in the mail. Wells Fargo could not guarantee that it would be sent by 1st class mail, but that we should receive it within 10 business days to our current address, XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX. 

I still had not received the paper title as of XX/XX/20, so I called. Wells Fargo could not tell me if the title had actually been mailed, they could not verify any of the above information. When I offered to fly to Wells Fargo HQ in person, present myself and appropriate identification, I was told that this was not allowed.

It has now been 83 calendar days since I fully paid off this auto loan. I am trying to secure a clear title so that I can gift it to my daughter and son-in-law who have a new baby and are badly I need of a working vehicle. I suspect that if I had a car payment that was 83 days late, they would be moving quickly toward collections, while I, as the consumer, who in good faith paid off this vehicle, continue to get the runaround and lots of fraudulent information. 

Since Wells Fargo is headquartered in California, but also has offices I have called in AZ and CO, and is a XXXX  XXXX  I am filing complaints with the Federal Consumer Finance Department and the Business Oversight Departments in each of the respective states above. 

Wells Fargo Auto Loans, XXXX Individuals not known ( not identified during the calls above ), but Auto Loan Department, Supervisor. There are several addresses given as listed below : ( 1 ) Auto Loan Payoff Address is : Wells Fargo Auto, PO Box XXXX, XXXX, CO XXXX ( XXXX ) Wells Fargo Bank ABA # / Routing # : XXXX Beneficiary Name : Wells Fargo Auto Beneficiary Account # : XXXX Physical Address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( 3 ) Wells Fargo Auto is a division of Wells Fargo Bank, with Wells Fargo Corporate Offices : Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights.   I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore I request my release of HIPAA authorization.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681.

In accordance with the fair credit reporting act XXXX  account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX