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

On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. 
Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. 
XXXX
Product: Debt collection

I never did business with this company : Perpay , INC .

RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, i never gave you any written consent to report anything on my consumer report.

As a consumer by law, this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city or state.
Product: Prepaid card

On XX/XX/2024 I tried using a prepaid American Express gift card ( that held a {$540.00} balance ) to purchase items from XXXX totaling {$470.00}. I know for certain that I entered the card information properly as I see two {$0.00} cent pending charges from XXXX on the card transaction summary that are probably for verifying that it is a legitimate card. However, I just got a shipping notification email from XXXX where it indicated that the packages have been shipped, but it charged my personal credit card as a backup payment option as the American Express gift card payment didn't go through. On the order details on XXXX it states " Backup payment method used We couldn't charge the American Express ending in XXXX, so we charged your backup payment method MasterCard ending in XXXX. '' Looking online it appears that many people run into the same issues that I have run into. I don't understand how you can advertise and sell a prepaid gift card product that you provide instructions for to use for stores online and yet it doesn't work. Seems pretty illegitimate that people pay money for a gift card, and money can't be taken out of this gift card for use in online purchases which is one of the intended usages of this gift card. I'll keep in mind to never ever gift anyone an AMEX prepaid gift card, and I will do my best to ensure I never receive a gift of an AMEX prepaid gift card ever again, and will do my best to alert my friends the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On four different occasions, I have disputed incorrect information on a credit report from Trans Union. My bank has reported to them each time that their information about an overdue payment was incorrect. Trans Union resolves the dispute temporarily and a month later, they reverse the action and reduce my credit rating. Since I cant seem to resolve this issue with the company, Im hoping the CFPB can help. Thank you!
Product: Credit card or prepaid card

I made a purchase from online store physically located in XXXX for Euro XXXX. I used XXXX as the payment method. XXXX converted to USD ( XXXX USD = XXXX EUR ) and charged my bank XXXX Bank of America ) credit card in USD ( {$2800.00} ). Now, my bank is charging a foreign transaction ( $ XXXX ) separately. Considering that XXXX has already did the foreign exchange conversion and charged the bank in USD, the foreign exchange transaction fee seems unethical and double charging from consumer 's point of view.
Product: Money transfer, virtual currency, or money service

Our company XXXX XXXX ( chase bank account XXXX, routing : XXXX ), took a credit card payment from one of our client 's for a sum of {$5000.00} on XX/XX/2023, from our bank 'JP Morgan Chase We Pay ' through their 'quick accept ' system. The payment was approved and it was debited from our client 's bank account on the same day. Till this date, we have not received the funds in our bank account! 

We created a compliant ticket number XXXX with the Wepay team to resolve this matter and till date haven not received a positive response from them. We have been notified that our quick accept account has been closed and it will take 120 days for the bank to release the funds to us!! 

This is not acceptable, as we are a small business and bank holding on to our funds is affecting out cash flow. We have contacted the bank and they are not willing to share the reason why our account was closed all on a sudden and the funds are being withheld for no reason. Please help us resolve this matter immediately. 

Thank you very much. 

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

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX XXXX XXXX Texas, XXXX ( XXXX ) XXXX 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 : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX / XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS. 
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. 

Sincerely, XXXX XXXX
Product: Mortgage

I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.
Product: Student loan

In XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Navient, to consolidate my loans and apply for the income based repayment plan ( IBR ). I then spent the next 10 years working with XXXX XXXX XXXX as a XXXX XXXX XXXX   for various companies. 

In XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Navient. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by Navient that everything was in order, that I met all the requirements and I restarted the clock. 

In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been disceived by Navient. 

I then called Navient to inquire as to how this happened as I was laboring under the belief that I had everything in order. Navient confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The Navient representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by Navient. 

I have been mislead, misdirected, manipulated, and flat out lied to by Navient for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.
Product: Debt collection

This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

On XX/XX/24 I disputed 2 charges totaling XXXX dollars on my gift card that I did not authorize! I was told this would be fixed and that my funds would be sent on a new card, nothing has been done.
Product: Credit card

Have filed multiple complaints last complaint I was told to contact company and have now been refunded for one item and am pending refunds for the others. I want an explanation from Synchrony on why they failed to achieve these same results as they did not properly investigate my dispute and repeatedly provided incorrect information as a means to deny my dispute. You can say you stand by your decision again but I am going to be in contact with the merchant regarding my refund and then I fully expect you to explain why your process did not yield the same results and I want a full explanation of what was done on your end as you are all in violation of my rights as a consumer to a fair resolution process
Product: Debt collection

I have recently reviewed my credit report and I noticed some things on my account. I have been living in my home for 15 years and I noticed an 2 apartments on my credit that I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed an address that never belonged to me the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will like this address removed from my credit report immediately. Supporting Documentation To further validate this request, I have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity
Product: Debt collection

American Express sued Defendant XXXX XXXX XXXX XXXX through their counsel : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File # : XXXX Defendant XXXX XXXX XXXX XXXX made contact with XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX. The reason for me making contact was because even with the " Stipulation Agreement '' being satisfied as of XX/XX/XXXX, the docket with the court has yet to be closed. Interestingly enough, American Express 's legal counsel claimed over the phone that I still owed a balance even though the Stipulation Agreement ( to which I have a copy ) has been fulfilled. Respectfully, I demand the docket be closed at once, and any inaccurate reports that are currently with the credit bureaus need to be wiped clean of any debt with respect to this American Express account. 

The stipulation hereby states on part 7 : " Upon payment in full of the amount required under this Stipulation, Plaintiff or Plaintiff 's counsel will mark the above-captioned matter 'settled, discontinued and ended. ' " A payment in the amount of {$85.00} was sent to XXXX XXXX XXXX on XX/XX/XXXX through my Debt Relief solution. The stipulation agreed to settle the account with a total payment amount of {$1000.00}. This total amount was spanned out to be paid in increments monthly beginning in XX/XX/XXXX. The first 4 payments were to be {$55.00}. These were all honored. The next 7 payments were to be {$100.00}. These were all honored. The last payment was to be {$85.00}. This was honored. At the present time, it has been several weeks since this has been fulfilled. I have yet to see a closed docket through the XXXX XXXX 's online database, which is not only concerning, but egregious.
Product: Credit card

Fraudulent purchases were made using my credit card. I contacted the Bank of America as soon as I realized that {$7400.00} was charged to my account on or about XXXX XX/XX/year>. I did not authorize anyone to make these purchases. My phones were locked out, money was taken out of my saving account, new credit cards were opened in my name, other credit cards that I had were then used to purchase more items without my authorization. I froze the credit bureaus. Got new credit card numbers. Changed all passwords. Made a police report. Had my phones cleaned by the carrier. Had my computer cleaned. Bank of America approved one claim but denied the other larger claim. I went to a local Bank of America with all appropriate paperwork. I did not ever tell Bank of America that charges were valid. I requested opening this claim over and over again. The last time on XXXX XX/XX/year>. They said it would be opened once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : 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 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We have sent mutiple request, XXXX by calling and also sending letters, the last was a Certified Letter XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015, to have them produce signed documents and statements showing I owe and debt, to date we have not been provided the proper documents as required by law to collect and debt, further research shows a pattern by this company to change names and also complaints against their collection practices.