23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB : DO NOT LABEL THIS AS A DUPLICATE OF A PREVIOUS COMPLAINT, EVEN IF REQUESTED BY A COMPANY TO DO SO. THIS IS NOT A DUPLICATE ; IT HAS IMPERATIVE INFORMATION WHICH REQUIRES CAREFUL ATTENTION AND REVIEW. 

Previous CFPB reports ( pages 6-26 of attached document, starting from the most recent report ) brought to light Synchrony Banks disreputability. The last report ( XX/XX/2022 ) showed that Synchrony disabled access to my online account ( page 5 ) then took a payment out of my bank account despite XXXX XXXX stop payment order ( page 4 ). After receiving this report, on XX/XX/2022 Synchrony sent a letter saying they closed the account and notified the credit bureaus to disregard the loan in my credit report number ( page XXXX ). Despite saying this, on XX/XX/2022 they took {$1100.00} out of my XXXX XXXX account ( page 2 ). Similar to the fourth CFPB report ( XXXX ), the only way they could have overrode the stop payment is by hacking into my bank account. Evident in how XXXX XXXX deemed this transaction as illegitimate and reversed it ( page 3 ). 

Since hacking into my bank account multiple times is a felony which jurisdiction expands beyond the Consumer Financial Protection Bureau, I have also reported Synchrony to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, Homeland Security ( Cybersecurity and Infrastructure Security Agency ), Internet Crime Complaint Center, and the Securities and Exchange Commission. 

Am I alone in being attacked by this company? Far from it. Their XXXX profile ( XXXX XXXX XXXX ) has a 1 out of 5-star rating based on 1022 customer reviews, plus 6932 customer complaints. Even more stories can be found on websites such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, hXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, plus XXXX groups such as this one XXXX XXXX XXXX ) XXXX Red flags galore.
Product: Credit reporting or other personal consumer reports

Early Warning Service, XXXX, and XXXX violated my privacy and shared my private information
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my reportXXXX XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Product: Credit card or prepaid card

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A  PREPAID DEBIT CARD WITH OUR OWN MONEY!!! 
WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! 

****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! 

****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case XXXX with the balance {$910.00} and {$230.00}. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. .If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, Midwest Recovery Systems . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.
Product: Money transfer, virtual currency, or money service

Hello, I was involved in my XXXX scam through my chase bank account. Me, and 50+ others rented a short house for the summer. I paid the man running the shorehouse XXXX beginning on XX/XX/XXXX and ending on XX/XX/XXXX. We had been in constant communication. On XX/XX/XXXX we went to the house to move in and were informed the landlord and realtors had not received that payment we all made. The individual took off with XXXX of my money and XXXX of others. This is not his first fraudulent scam and chase and XXXX are unwilling to help me to recover funds and they are not working track down the account to stop this man from committing another scam.
Product: Student loan

I am part of the PSLF program. When I was with XXXX XXXX I consolidated under the revisions that were offered to get my payment counts all to the same count. This was successful. A few months later, around XXXX or XXXX, I got notice that my loans would be transferred to Mohela. At that point, my payment count was XXXX. I talked with XXXX XXXX and they said that I didn't need to do anything and my payments would transfer over as they showed at that point. They said it might take awhile. They also said it wouldn't hurt to recertify once I got over there. I did exactly as they asked me too. Then, I waited and waited and waited. I was trying to be patient because I knew things were crazy. However, my payment tracker on Mohela continued to read at only XXXX payments. I called today and was informed that this wasn't going to change, at least not until they looked at the recertification I sent to them in XXXX. Regardless, that will only bring my account up to XXXX. When I was at XXXX a year ago. The recertification from last XXXX should have brought me up to XXXX payments. Which means, if I recertify again this XXXX I would be at XXXX. This is very frustrating. I have done everything that is asked of me. I have jumped through every hoop. Now I am getting screwed again. Mohela won't budge and I can't get into my XXXX XXXX stuff anymore. I don't know what to do, other than pay the payments over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Student loan

I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XXXX XXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA
Product: Debt collection

Portfolio Recovery Associated LLC is the name of the company that took a XXXX XXXX XXXX store credit debt that I no longer had and referred to XXXX and XXXX XXXX. with service of summons sent to my home. It was explained to both Portfolio Recovery Associated LLC and XXXX and XXXX XXXX. that the balance of this XXXX XXXX XXXXXXXX store credit card was added to the XXXXXXXX XXXX XXXXXXXX XXXX when I opened it, in which is in good standing. When the XXXX was opened I was told by XXXXXXXX XXXX XXXX  directly that XXXX supersedes the actual store credit card and it would now be closed. I have explained to each company as well as disputed in credit reporting agencies and they continue to call me, submit filings, etc. Both companies state there is nothing they can do and it is my debt. We are going back and forth about what took place, and the conversations ae no longer successful and/or predictive. I wholeheartedly believe this is a travesty that major companies are allowed bully and harass induvial to repay a debt that is not theirs. They have basically attempted to strongarm me into paying a debt that is no longer apart of that account with the threat to ruin my credit and sue me. The amount claimed is {$1500.00} which was again added to my XXXXXXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed dispute letters to all 3 credit bureaus XXXX  ; Equifax ; and XXXX  about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.
Product: Credit card or prepaid card

the written and signed agreement is for {$26.00} per month for a promotional agreement between Best Buy and me with a XXXX setup. 
My XXXX bill continues to show {$45.00} ( see on yellow highlight on the copy of latest bill from XXXX ) I filed with the FCC against XXXX. 
When I call XXXX they say call Best Buy. 
When I call Best Buy they say call XXXX. 
I want out of the contract and all my money back.They can have the phone.
Product: Checking or savings account

I opened both checking and savings accounts with ETrade Bank ( Morgan Stanley Private Bank ) and initially funded the accounts via ACH transfer from XXXX XXXX XXXX on XX/XX/year>. I then attempted to transfer additional funds in via the same transfer facility that I used to open the account. ETrade Bank reversed this transfer without explanation. I attempted this multiple times to no avail. I called them and they said that a hold was on the account. They had no explanation for why. Since I had also transferred my mortgage and car payments over for direct draft payment from this new account, this hold caused both of those payments to be rejected, which cost me almost {$200.00} in reversed payment fees and interest. After working with them, they said they removed the hold. Then I attempted to transfer money again, which was reversed again. I also attempted to deposit checks via mobile deposit which failed so I Fedexed the checks to them and they returned them without depositing. After all of this, I called to close the accounts and have my money wired back to my original bank. They refused. They said there was a hold on the account but they wouldn't tell me why. They refuse to give me access to my money or return it or close the account.
Product: Credit reporting

Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of charged-off accounts on my credit report and the failure to issue a 1099-C form, as required by law. 

Account Information : XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$1000.00} Credit Limit : {$800.00} ( Account utilization 125 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$750.00} Credit Limit : {$500.00} ( Account utilization 150 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' XXXX  XXXX Account Closed : XX/XX/year> Last Reported : XX/XX/year> Charged-off Amount : {$3700.00} Credit Limit : {$3000.00} ( Account utilization 123 % ) Worst Payment Status : 120+ days late Remarks : " Profit and loss write-off, '' " Dispute resolved reported by grantor '' Violation of FCRA ( Section 1681 ( e ) ( b ) ) : Under the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and up-to-date. All three accounts listed above have been charged off and are reported inaccurately, negatively affecting my credit score and financial standing. Additionally, despite the charge-offs, I was never provided with 1099-C forms, which are required when a creditor cancels a debt of {$600.00} or more.

Details of Violations : 1. Failure to Remove Charged-Off Accounts : The accounts were closed earlier in XXXX, yet they continue to be reported inaccurately, affecting my credit utilization and overall credit health. 

2. Failure to Provide 1099-C Forms : Neither XXXX XXXX, XXXX XXXX, nor XXXX XXXX has issued a 1099-C form for the canceled debts. This omission violates IRS guidelines and affects my tax reporting obligations. 

Given these issues, I kindly request the following actions : 1. Immediate Removal of Charged-Off Accounts : The accounts should be removed from my credit report due to the failure to meet FCRA accuracy requirements.

2. Issuance of 1099-C Forms : I request that XXXX XXXX, XXXX XXXX, and XXXX  XXXX issue the necessary 1099-C forms for the charged-off amounts as soon as possible.

3. Correction of Credit Report : Please ensure that my credit report reflects accurate information regarding these accounts. 

I trust that you will investigate this matter promptly and take the appropriate corrective actions. Please notify me of the status of my complaint and the steps taken to resolve these inaccuracies. 

Thank you for your attention to this matter.
Product: Debt collection

I got a collection on something for my grown son. It was at XXXX XXXX in XXXX, XXXX XXXX 
The services were done on XX/XX/2023 when he got arrested on that day. He is currently incarcerated. How can I get this off my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.