23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois ssn XXXX has committed countless acts of fraud toward J.P. Morgan chase bank including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe chase is complicit as I have been reporting these incidents for some time now to no avail. XXXX XXXX also had her chase bank account closed years ago for the exact same behavior. I will attach her fake identification card with the address of the fictitious woman and her face.
Product: Credit card

On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2016 I began the process of fixing errors present on my credit report with XXXX, XXXX, and Experian. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX, XXXX. 

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect. 
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX XXXX Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX, 10XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate. 
Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error. 
Creditor : XXXX XXXX XXXX/XXXX XXXX has deleted XXXX/XXXX Experian has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX/XXXX
Product: Debt collection

I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Thank you for your time. I 'm not sure who to turn to so I will try this in hopes it is the right place to go. I will write a summary and attach supporting docs. Many years ago I went through a really hard situation one which I hoped I would not visit again. In XX/XX/2012, I had an XXXX and went to see my original XXXX and she had me see XXXX who said my XXXX from the injury. I did not have the XXXX with him, I cancelled it because of the research I found on him, and because of my feeling after my contact from meeting with him and the offices follow through. He immediately sent a XXXX bill to a collection agency Account Recovery Services for a XXXX I did not have. After exhausting my efforts I had to hire a Lawyer in XX/XX/2012 to help me. The Lawyer sent a letter that asked them to respond in 30 days and that the services were not rendered and if they did n't respond we or assume this matter is closed. We never received a response. I have n't received anything from either party and many years have passed. Around the same time I had gone through a divorce and bankruptcy. Over the years I have worked really hard to rebuild myself and my credit to buy a house for me and my XXXX year old son. With hopes to get a house soon I recently viewed my credit report and saw this bill appears on it and should not. XXXX disputed it and Account Recovery Services will not remove it and say I still owe the debt. XXXX suggested I call and ask information on it so I did. They transferred me to my Account Rep XXXX and he said I still owe the debt for Services rendered and he confirmed he did have my Lawyers letter and that they do n't have to respond in the 30 days and that they still plan to collect. He said to have my Lawyer call. So I started researching everything again because of all the time that has passed. I found out that XXXX has passed away. That also since XX/XX/2012 a XXXX year old woman has died after his XXXX. Which reassured me I made the right decision and it made me extra grateful that I did not have him do my XXXX. I need help. I do n't know why after so many years have passed that they still say I owe for something I never received and that they plan to collect and did n't have to respond. Especially now that the Doctor is n't even alive. Please let me know what I should do and who I should contact. I really need help getting this bill off my credit report and making sure Account Recovery Services does not try to collect it now after 4 years later. Please let me know what other information you need. I really appreciate your time in reviewing my situation. Thank you so much. Warmest Regards, XXXX
Product: Debt collection

To whom it might concern, On XX/XX/XXXX I sent a letter to Synerprise Consulting Services to dispute the validly and terms of the reported debt under the terms of the Fair Debt Collection Practices Act and Fair Billing and Reporting Acts. ( Copy of Letter attached in pdf format, as well copy of signature reception number XXXX XXXX XXXX XXXX XXXX of certificated letter ) This company without any warning and validation of the debt placed negative information in my credit report. ( Copy in pdf attached showing negative report placed by this company SYNERPRISE CONSULTING SERVICES. ) I asked the Collection agency to Submit verification of this alleged debt and include documents mentioned in the letter mentioned above. As an answer from this copy, I just received a page saying the total amount owed is accurate. But, without sending any requested document for verification of the debt. ( Copy attached of their document ) THEY FAILED TO COMPLY MY REQUEST OF VALIDATION.

I also include three pages shows this debt does not exist. 
It was paid directly to the XXXX XXXX. 
The hospital authorized me insurance directly from XXXX XXXX what they call XXXX Connection. 
The hospital account is XXXX and all charges from XX/XX/XXXX to XX/XX/XXXX balance is XXXX. 
In copies attached shows a number which is XXXX to confirm there is not such debt. 

I want to stress I never signed any document with any company ONLY with XXXX XXXX. 
And this collection company has violated my rights according to Fair Debt Collection Practices Act and Fair Billing and Reporting Acts.

As well has caused me too much damage in different ways like : Emotional stress loses in my business as consequence of this negative report, immobilizing my life in different ways, all my invested time and affecting my family among other troubles caused by this negative report of this Collection Company SYNERPRISE CONSULTING SERVICES.

I do not forget to mention they have called me in different times and different hours which I will proof in Court with the reports of my company providing me my telephone service. Yes, I will proceed to  pursue all causes of action against this company to seek all legal actions available. Yes, I will file a suit against this Collection Company SYNERPRISE CONSULTING SERVICES. 
I kindly ask to this honorable Government Institution to apply all legal corrections and penalties to this company SYNERPRISE CONSULTING SERVICES for ALL the violations to my rights and keep me informed. 
Please if you might need any additional information or have any question, do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Texas, XXXX
Product: Student loan

I make one payment that covers three different loans that I have with one lender, they pull the money out of my account ( auto pay ), but it shows on my credit report the I missed ten payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) on two of the loan, but not on the third. I disputed this with a printed credit report with the issues highlighted and a copy of my bank statement showing the payments on the loans ( same amount as the years before and after ) and a typed letter explaining everything. I was told I would receive a letter back in 30 days to let me know what they found and I never received anything, so I called them and they told me I was denied for some reason they could not tell me and it would be in the letter that I never got.
Product: Credit card or prepaid card

On XX/XX/XXXX, Chime Bank took XXXX $ Out of My account with out my permission to pay my credit card. I never authorized or signed up for auto pay. This is an outrage, I wanted to pay XXXX and they just took all my money. They were extremely unhelpful and I believe that what they did was not only miss leading but possibly illegal.
Product: Mortgage

Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ WELLS FARGO # XXXX, XXXX # XXXX, XXXX XXXX XXXX. # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im writing to dispute and report instances of identity theft on my credit report, which i have identified as violations of my consumer law under 15 us code 1681 c-2, upon reviewing my credit report, i have disocevered unathorized accounts and inquiries that are the result of identity theft. These acounts and inquiried were not intiated or authorized by me and therfore they do not reflect my true financial history or activity. Under the fair credit reporting act section 695b and 15 us code 1681c02 I am entitile to request the removal of any inaccurate or fraudelnt information from my credit report. I am requesting that you remove these accounts and inqurieid withing 4 days from my credit report asap. Enclosed is copies of the relevant section of cxonsumer law and supporting documnet of my identity. Provide updated info as stated by law within 4 days. for the following. XXXX XXXX, XXXX XXXXXXXX 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
Product: Credit card or prepaid card

everything started since XXXX of XXXX the lender sent me a reimbursement check of my account = prepaid credit which occupied for one year the check was XXXX dollars, at the time of sending it I had just moved to the city of XXXX and I communicated them to make the change and thus canceled that check, unfortunately the check was stolen and deposited by an unknown person, for 5 months I was under an investigation of this bank accusing me of having taken the check and I sent all the evidence they needed and letting know that never received it, at the time of making the chance of my address with an agent the bank system do not keep my address correctly as they explained to me and generated an erroneous address causing now to be a victim of identity theft, in XXXX of XXXX finally after 5 months they arrive at the end of their investigation and they determine that I do not change or receive that check and they make my refund and increase credit to XXXX dollars something that I found good but resulted in a nightmare because now they made a change to my last name which resulted in another research and request the person who communicated with me was a person in English that although I defend my English It is my native language and I demanded that I should send a specific document that could not be another that should be that or that otherwise closed my account to what I had to access and this is very traumatic for me since after having me for months without any response and now do this and I communicate with them for a solution and it's like he does not care this is my last option I hope your help
Product: Checking or savings account

Truist bank, has flagged my account for fraud but never notified me. It turns out they froze/locked my account since XXXX XXXX when I had a deposit made in a local branch. I called the branch for an unrelated issue on XXXX XXXX and was not made aware. I called on XXXX XXXX, after noticing I could not log into my account on the mobile app or via the website when attempted to check if a mortgage payment I scheduled was debited. They finally decided to inform me that my account was locked out. I can't access my money, and they can't tell me when a " fraud '' investigation will be completed or when they will restore access. At no point was I notified or requested for information to assist in restoring access to my money or my account. When asked, they did not provide details on what the resolution process looks like going forward. I have money in the account that I need for bills, food, and anything else that I can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. The evidence will be attached below.
Product: Checking or savings account

XX/XX/2024 I did a purchase on XXXX for {$280.00}. Later that day i canceled the order and XXXX processed the refund. However, the money was supposed to be on my account yesterday XX/XX/XXXX because it was a canceled transaction. I spoke to someone at Cashapp and the response was that XXXX is the company holding my money. I spoke to XXXX  and the answer was that my issuer bank is the one holding the money. Nobody wants to take responsability and i need my earned money back. All these companies should be held accountable for holding money they dont own.

Now nobody wants to tell me where is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card was applied for in my name to an address other than my own. 

XXXX bank was attempted to open, was unsuccessful. 

XXXX credit was applied for also
Product: Credit reporting or other personal consumer reports

I recently signed up with the 3 consumer reporting agency's- XXXX, Equifax, and XXXX to check my credit. While on there I noticed several violations of my personal rights including but not limited to 15 USC Code 1681b- " 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.

That is also Aggravated Identity Theft- 18 USC 1028 a so they have possession of my private information and they are also using it without my permission as the consumer.

Also they have failed to remove false inaccurate information on my report- 15 U.S. code 1681 ( 5 ) i As a result of seeking remedy I contacted all 3 agency 's and requested to speak to their fraud department and notified each of the reporting agency 's that they were violating my rights and reminded them of their legal obligations to remove all the reports against me while stating the commercial laws as I mentioned above. 
All the following are the accounts for which I am demanding remedy. 
XXXX XXXX XXXX {$12000.00} account is paid off in full and marked as closed and still not removed. 
XXXX XXXX XXXX in the amount of {$270.00} XXXX XXXX in the amount of {$5500.00} XXXX XXXX XXXXXXXX in the amount of {$190.00}
Product: Credit card

My last payment to Chase credit card was XX/XX/XXXX and was scheduled to be removed from my credit file XX/XX/XXXX. 
In XX/XX/XXXX I requested my credit report from all XXXX credit bureaus and saw that Chase changed my payment history. It now shows that I was 60 days late by XX/XX/XXXX and then brought the account current for XX/XX/XXXX and XX/XX/XXXX and then went delinquent again in XXXX XXXX which extends the length of time this account remains on my reports. I have requested verification from all XXXX bureaus only to have the status verified and updated the removal date to XX/XX/XXXX. I sent a certified letter to Chase requesting proof of the XX/XX/XXXX and XX/XX/XXXX payments and they have not replied. These 2 payments are not true and were added by Chase to extend the length of time on my report. This account should corrected on my credit reports and be removed by XX/XX/XXXX not XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, an unauthorized cash transfer for {$9200.00} was withdrawn from my XXXX XXXX checking account by PayPal. The funds were sent to someone that I do not know and have never heard of and have never done business with. On XX/XX/XXXX, upon my discovery of this unauthorized transaction, I immediately contacted XXXX XXXX and PayPal to dispute the transaction. Claims were opened by both entities. The claims were denied and closed as PayPal claimed that I had initiated the cash transfer. On XX/XX/XXXX, I filed a XXXX claim with each entity. On XX/XX/XXXX, I was told that XXXX XXXX denied my XXXX claim. I have not yet heard from PayPal as to the status of my XXXX claim with them. 

PayPal has not made any effort to return my money. In a message to me on XX/XX/XXXX, a customer service representative stated that " we found this transaction is consistent with your PayPal history. Hence, the case was denied. '' The facts are that I have never made a cash transfer using PayPal nor have I ever used PayPal for an online purchase exceeding a few XXXX XXXX Their algorithms and/or human monitoring should have told them so. The PayPal representative also wrote " what is good about this payment is that a card has been used as a funding source. '' Again, this is not true as my checking account was the source of this unauthorized transaction. This clearly demonstrates that PayPal is not really paying attention to my claim. 

Because PayPal claims that I authorized this fraudulent transaction, XXXX XXXX has refused to return my {$9200.00}. 

XXXX XXXX  should have notified me before releasing the funds to PayPal. I usually receive text notices about transactions made to my XXXX XXXX accounts. And, PayPal should have confirmed this transaction with me before sending the funds to the fraudulent person requesting them. 

A detailed timeline outlining the diligent efforts I have made to have my money returned to me is attached below. Also attached is a copy of the message from XXXX, the PayPal XXXX XXXXXXXX XXXX XXXXXXXX, with inaccurate information and a print out showing to whom the funds were erroneously transferred.