23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented a home from XXXX XXXX. The house was full of mold and in complete disrepair. 
I managed to fix what I could but the owner refused to do repairs, and the mold became hazard to my respiratory system. The owner sold the home. 
I lived there for 12 months, always paying my rent as required and on time. 
Since the owner sold the house, the XXXX month was not going to go against the allowing me to move. 
I signed an order to vacate within 30 days and was granted permission, signed by both parties, myself and XXXX XXXX. 
I allowed the pre-move inspection, which was required, and the house passed it. 
When I moved, I notified XXXX XXXX  that I was leaving on XX/XX/year>. 
Three weeks after I moved, XXXX XXXX notified me that I owed the full month of XXXX, and started the eviction process. I had already left the house. 
They demanded the rent, as an attempt to keep the refund they promised I would receive back after the house passed inspection. 
I started receiving demand letters from a Collection Agency, and this has affected my credit report. 
I called the corporate office for XXXX XXXX  over and over, and never received a call back to discuss this important issue. My concerns were ignored. 

I feel this was intentionally done to prevent them from providing my deposit back. 

They would not tell me why they started an eviction process after I has vacated the home, and we had agreed that the move out was allowed, as my lease had ended.
Product: Checking or savings account

I opened up a Chime Bank account in XX/XX/2023. After opening the account and linking my XXXX XXXX account to the Chime account and transferring {$2000.00}, I was notified there was fraudulent activity. Chime Bank requested I uploaded my Identification Card and Social Security card along with the bank statement showing the transfer, which I provided. They closed the inquiry and my account was still locked to my access. 
I then had my daughter and myself call Chime Bank to resolve the issue, as I am hard of hearing my daughter helps me with these kinds of issues. We contacted Chime bank and my daughter was informed the documentation I had sent over was unclear or blurry, she asked if she could re-upload the information, they agreed and provided us with a new link to uploaded my Identification Card and Social Security Card front and back. 
I received a response e-mail inquiring about the Bank Statement from my XXXX XXXX Account showing the transfer of funds to Chime Bank, which was provided along with proof of address in the form of a property tax bill. 
After this was sent we received a response that the account number on my XXXX XXXX statement with my name and the transfer was incorrect, at this point my daughter wanted to call them and explain they had the account number wrong for the bank it was being transferred from, as it was similar numbers in a different order. 
We both called Chime bank once again and spoke with their call center, who when trying to explain the issue just had generic responses stating they understood the concern but couldn't do anything as far as my account. My daughter asked them to speak with their compliance department as she wanted to know how they could not see where the money was coming from in the account that they had locked me out of with {$2000.00} still in it. 
The customer service representative we spoke with said they would escalate the issue and a specialist department would reach out. I had no communication and received an e-mail they were closing the account and the inquiry once again. At this point I sent a lengthy e-mail about how this is not right and I had proved more than enough information to prove the account to be mine, and would file a complaint with the XXXX 
My daughter and myself called one last time, and my daughter pleaded to speak with a supervisor or manager that could look into the account, we were told everyone is in meetings and they do not know how to reach them, that we can only communicate through e-mail. I find this whole situation to be very unusual and borderline a scam. I've researched their other complaints which they have multiple of stating the same issue, large sum of money placed into what seems to be a 'Banking App ' just to be closed out of and ignored, or put through rigorous email chains with no solution. I just want access to my account and my {$2000.00} back, I am a XXXX XXXX XXXX XXXX living on Social Security and to lose {$2000.00} is not chunk change, it affects my monthly living expenses, and is causing financial hardship going back and forth with no positive end in site.
Product: Debt collection

Reference is made to CFPB XXXX. I am refiling this complaint because the response from Synchrony Bank is not factual. They state for security reasons they cant respond to someone who is not listed on the account. However, they are reporting to the national credit reporting companies that I am a co-owner on my wifes account as indicated on the document that I will upload with this document. 

This dispute centers on a purchase that appeared on my wifes XXXX monthly statement. My wife is totally disabled and it is not possible that she made any purchases, either in person or on line. XXXX refused to speak with me, indicating that the account belongs to my wife. I provided them a copy of a durable power of attorney, but they have rejected that also, indicating that they want my wife to notarize it and sign it again. The original document is signed, notarized by the attorney who wrote, with his seal affixed. I have also uploaded a copy of this document. Requiring my wife to sign it a second time is unreasonable as she can not hold a pen or sign her name. 

XXXX turned the matter over to Synchrony Bank for further action. Synchrony also refuses to allow me to be involved as a matter of security. 

Synchrony has rejected not only my CFPB complaint, but also a similar one that I filed with the XXXX XXXX XXXX. In both cases they state that they cant respond because the complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. If this is true, then why is Synchrony Bank reporting to the Credit Reporting agencies ( XXXX, XXXX and XXXX ) that I am a joint owner on my wifes account? I have provided Synchrony Bank a copy of my wifes account as it appears on XXXX and asked them to explain this dichotomy, but havent received the courtesy of a reply. I guess their de facto answer is that Im still not authorized, so why bother with a reply. 

Separately, I had asked that my XXXX account be closed, as Ill never spend another dime with them. Synchrony Bank sent a confirmation letter that was also addressed to my wife. If indeed they are so concerned about security on our individual accounts, didnt they just violate security by addressing the letter to someone who is not listed on the account or loan or authorized to receive the consumers financial information? 

I do believe that I have more than adequately demonstrated that I do have standing to address the issues with my wifes account. Furthermore, if Synchrony Bank truly believes that I am not authorized to assist my wife in this matter, ask them what provisions, required by Federal law, have they made for a disabled person? Writing to someone who cant hold a telephone, dial a number, or even hold a conversation and telling them to call if they have any questions, clearly doesnt meet the Federal requirements.
Product: Mortgage

In mid XXXX, I asked my loan servicing company, Loancare  to please help me as I could not make the complete mortgage payments due to XXXX and a reduction of income and pension. Since XXXX, the mortgage company has had us in a spiral process of requesting many pieces of documentation to support an application for modification of the loan. Upon not hearing about any final decision from the servicer Loancare for a modification request, whether they would or would not modify my loan, I hired XXXX XXXX XXXX XXXX ( an attorney ) in XX/XX/XXXX to assist me with a modification request and representation. It is now XX/XX/XXXX and Loancare  has still not returned a modification response. I have recovered my income from self-employment and my company from which I retired reinstated my pension award as of XX/XX/XXXX. I would like to make a payment agreement with my mortgager but they DO NOT respond to the attorney nor myself. All they continue to do is say that documentation provided in the past has expired and to resent documentation. The documentation has expired because they continue to let time elapse and do not respond to modification requests. Now our home has fallen into the foreclosure process. We really wish to not lose our home. We need Loancare to respond by making a payment agreement or modification agreement so that we can resume payments.
Product: Credit card or prepaid card

I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe some identify verification information may be incorrect, because Im unable to access my credit report online. I called Experian to get help with this, and accidentally froze my credit report from their XXXX  XXXX, and now I cant unfreeze it because I cant log in and though their phone recording and web content say you can unfreeze via the phone, there is no actual way to do so via the phone numbers provided. 

Ultimately, I want my identity information corrected so that I can do online ID verification for this and other unrelated services that rely on credit check for login, but I imagine I have to unfreeze my report first. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, venmo canceled three of the money transfer to my bank, {$700.00}, {$800.00}, {$1300.00}, which is {$2800.00} in total, and have it returned to my venmo wallet balance. Then I received multiple emails saying that the {$2800.00} in my venmo balance was returned to the senders for no reason. And they frozen my account. I lost a total of {$2800.00}. They offer no reason for reversing the money that was sent to me. When the sender contact them for a reason the payment was returned they said the receiver account is not active. If my account is not active how did I receive the money, how did I make a transfer to my bank. This is ridiculous. They just take away {$2800.00} from me for no reason.
Product: Credit card

Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm XXXX causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other XXXX banks I do business with got a program right away for me and almost done with the accounts. Chame on CAPITAL ONE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the improper use of my credit report prior. And even have submit the report showing my identity being stolen/compromised. 


XXXX. XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX ( XXXX ) - XX/XX/2023 XXXX. XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX. XXXX XXXX ( Bank ) - XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

____________________ 2nd complaint with XXXX XXXX XXXX XXXX XXXX Apartments can not verify or show proof that this account belongs to me. Please Delete.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Dare : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy on the report and they got back to me later than thirty days. I also disputed and Experian said that the bankruptcy came back verified. I was wanting to know their verification method. I called the Court in XXXX and asked if they had released the information to the bureaus and they do not release that information to third parties so how was this verified? Also the account for XXXX XXXX was agreed by the creditor that this account would in fact be removed from this report after payment. Payment was made in full but the item remains which was not their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$470.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XXXXXX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$11000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$180.00}
Product: Checking or savings account

Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts. 

My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ). 

I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ). 

Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation. 

As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported medical information to a third-party company violating HIPPA and Federal Credit Reporting Act. My medical information was reported to Wakefield & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX with out my consent.
Product: Debt collection

They call every other day from multiple different numbers. They lie about not getting a payment that they sent me a receipt to. They are very rude when we are talking.
Product: Mortgage

XX/XX/XXXX RE : Loan Modification Dear Sir or Madam, This letter is to inquire about a Subordinate Note that was haphazardly included in my XXXX Loan Modification with US Bank. In XXXX, after falling behind on payments I would try to catch them up, but as the cycle continued, I modified my mortgage in XX/XX/XXXX because of hardship. My payments were reduced from approximately {$1400.00} to around {$1000.00} which was more affordable. There was no out of pocket costs for the modification, and my term was extended 30 years. I thought the difference in my payment was added to the loan modification which would be captured in the extended term. 

In XX/XX/XXXX, I decided to apply to Refinance my mortgage to take advantage of lower rates and reduce my term. However, upon completion of a title search I was informed by US Bank that I had a Subordinate lien. I didnt know what that was or that it existed. US Bank did some digging and sent me a recorded Subordination for {$50000.00} with The US Department of HUD which expires the same time as my loan modification in XXXX. I was dumbfounded by the idea, because while I was facing hardship, I wouldnt and couldnt agree to a 2nd mortgage which would have to be simultaneously paid. If I couldnt afford my initial mortgage, how would I afford two mortgages? I dont understand where the {$50000.00} amount came from or why it was created in a 2nd lien XXXX US Bank has indicated that, they took what was owed and put it into a separate mortgage. This seems incorrect, because my missed payments didnt sum nearly that high, and whatever amount I defaulted on shouldve been added to the modification like whats traditionally done. 

While US Bank noted that Im currently responsible for payments on both mortgages/liens, Ive never received a billing statement from HUD, and the 2nd lien of {$50000.00} does not show up on my Credit Reports. How am I responsible for something that I dont know exists? US Bank has indicated that several customers were confused about these types of loans in the past which is problematic. US Bank indicated that to complete my refinance I would have to either add the {$50000.00} to the loan amount or subordinate it again. I dont know why a subordinate note was done originally, so I dont want it done again. 

It appears my loan modification was misleading. If I hadnt applied for the refinance, I wouldve never been made aware of the subordinate lien, never paid on it, and later would lose my home to a lien discrepancy. 

Why was the subordinate note was added to the loan modification and where did that amount come from?

If its truly a mortgage that Im supposed to be responsible for, why doesnt it appear on my credit reports? 
Is it forgivable if the primary mortgage is paid completely? 
Can the subordinate note be forgivable? 

Ive attached the documents associated with the modification and subordinate note. 

Your attention to this matter is greatly appreciated. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account # 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

Equifax Account Name : XXXX XXXX XXXX Account # : XXXX  [ XXXX XXXX XXXX  XXXX  ] open date is not reporting correctly, balance is not reporting correctly, this account is not accurate.