23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.
Product: Debt collection

Source Receivables XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXX phone bill that was 7 years old. I typed up a letter and sent it to them via certified mail requesting proof that I owed them and that they are licensed to operate in the state of Georgia. I also requested they send me the original contract with my signature. I mailed a certified letter at the above address over 45 days ago. I have not heard from them again, however they reported to the credit companies and now after repairing my credit from another company attempting to collect on this very same debt now they have ruined my credit which cause my credit score to drop significantly. I also disputed with the credit agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit, Reporting Act ( FERA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to turnishers, accepting XXXX  responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I called the original servicer ( Rushmore Loan Management ) to get a payoff quote. I was directed to call the company 's attorneys " XXXX XXXX ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for Nationstar Mortgage, LLC, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that Nationstar was bought out by Mr. Cooper Group. When I call Mr. Cooper Group I receive an automated recording telling me that I've called the wrong company ; I need to call Rushmore. Call Rushmore & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & Mr. Cooper Group merged in XX/XX/XXXX. Mr. Cooper Group also bought Rushmore 's servicing platform XX/XX/XXXX. I keep getting the runaround.
Product: Credit reporting or other personal consumer reports

I called Experians dispute department on XX/XX/year>, on or around XXXXXXXX XXXX PDT. The agent answered the phone, however, his connection was really bad and was fading in and out. It is unacceptable for Experians phone calls to have technical issues, otherwise the agent engaged in call-avoidance and is inappropriate ( case no. : XXXX and XXXX ). I called Experian back on or around XXXXXXXX XXXX PDT. I was routed to the membership department in the XXXX. I spoke to a female XXXX agent who indicated I need to speak to her higher ups within the membership department. I instructed her to NOT transfer to the dispute department. However, she was dishonest and I was transferred the dispute department in Texas. My issue was a membership matter and disputes can not resolve the matter ( case no. : XXXX ). I was then speaking to XXXX in the general dispute department in Texas. I asked XXXX to file a complaint against the previous agent, however, XXXX then transferred me without my knowledge or consent to the main que which transferred me to another general dispute agent. XXXX engaged in call avoidance and an improper transfer. Then I was speaking to XXXX in XXXX XXXX. XXXX stopped talking and the call went silent. The call from Experians side disconnected ( my call was still connected but could only hear silence ). I then called back at XXXX XXXX PDT and was speaking to a female agent in the XXXX membership department. The agent lied and said she shes located in Texas ( even though Texas does not have a membership department and the agent had a XXXX accent ). Then the call went silent and disconnected on the experian side. I then called back and got a female agent named XXXX in the XXXX membership department. XXXX said she has to place the call on hold so she can make a phone call to troubleshoot my membership issue. I was then transferred forthwith, without my knowledge or consent and didnt know why I was being transferred. XXXX was dishonest and intentionally lied ( she did not have to make a phone call as she indicated ). I then was transferred to XXXX in XXXX XXXX general dispute department. I spoke to XXXX on or arounXXXX XXXX XXXX PDT. XXXX was impertinent and interrupted when I asked him not to. I asked XXXX to file a complaint with my previous phone calls, however, he refused. I also asked XXXX to hold for 1-2 minutes. XXXX refused. I informed him Experians policies and procedures are to hold for 1-2 minutes upon request by a consumer ; he still refused and was pugnacious. XXXX then deliberately and willfully disconnected the call ; this is call avoidance. My interaction with Experians agents on XX/XX/year>, was particularly egregious. Moreover, because Experian has a history of ignoring CFPB complaints with generic responses that dont correspond to the complaints in an attempt to escape accountability, I will also file this complaint with the : FTC XXXX XXXX and OAG. ( See also case no. : XXXX ; XXXX ; and XXXX )
Product: Debt collection

Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called XXXX XXXX XXXX XXXX XXXX XXXX, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!
Product: Checking or savings account

XX/XX/2022 yesterday I was told by XXXX that when I put money into the account I could get my debit card and when I put the money in my account they refused to give me a debit card and said I won't win if I took it to court basically threatening me and poor customer service this southstate bank is located at XXXX XXXX XXXX XXXX XXXX fl XXXX several representatives including XXXX and XXXX were involved and gave rude service and were a part of the false advertising scandal I was told before they could give me a debit card then they refused afterwards I got proof the money was put in then taken out
Product: Debt collection

I previously filed an identity theft compliant with the FTC. In that report the collection company LVNV was  listed as a company that was reporting on my credit files fraudulently. 
I subsequently sent to the CRA 's the FTC filing including this company. I requested, as I'm afforded by law ; that because of this filing that several items be removed/blocked from my credit file. Somehow LVNV is still resporting and has allegedly been 'verified '. This can not be true or at all possible. LVNV have since sent me statements and bills from the original creditor, which in no way is valid proof that the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is impossible to deal with. 
I have tried to reach out and unable to receive assistance in resolving my issues. 
Secondly they send me a paid in full letter and report that my account is past due when its paid in full. This company has poor standards and reguard for their consumers. 
I will not use them ever again.
Product: Debt collection

For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account XX/XX/2019 on my XXXX  and XXXX  credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a was unfair and deceptive, as they XXXXXXXX XXXX XXXX XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violation.
Product: Mortgage

I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.
Product: Debt collection

On XX/XX/XXXX a phone number ( XXXX ) XXXX and ( XXXX ) XXXX called my family members and spouse trying to retrieve my personal information stating I wrote a bad check in XXXX and that navy federal is suing me and. ( I did not write any checks with them in that year and Navy federal has never reached out to me in regards to that. They became belligerent on the phone cussing at my fiance for asking who they were and to stop calling. When you call all they say is " law office how may I help you '' they were telling personal information about a " case '' with my parents. Gave them the attorney name XXXX XXXX with case number XXXX and that I am being sued and that my father was also co signed on a loan by me. My parents are not in even the same state as me. I don't even know how they got their new numbers and my fiance 's new number. I have not received anything by mail or phone in regards to this matter they speak of.
Product: Checking or savings account

This is my 5th inquiry about my savings account at Ally Bank. I have 4 messages about my previous inquiries that state the issue has been resolved, but now I can't log in to my account to see my balance and see if they ever paid me my {$500.00} bonus and what they are compensating me for all of the time I have spent getting them to resolve this matter. What did they do? Steal my money and close my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

A Loan for a vehicle was opened in my name with XXXX XXXX in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXinforming them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by XXXX XXXX that I can not have records that is in my name. This is complete fraud because I did not sign for anything. 

I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.
Product: Checking or savings account

Two years ago I was getting unemployment under the same account number ending in XXXX.I really don't know what account that could be besides Bank of America XXXX I WAS WITH THEM UNTIL THE ENDING YEAR OF XXXX.WELL XXXX  UNEMPLOYMENT STATED THAT THEY SENT FUNDS TO MY account I'm more curious to find out who have my FUNDS where did it go.If I owe Bank of America money and my account closes would they still be able to keep my money or sent it back to the sender like the unemployment office and then they senf my money through the mail with a check or XXXX XXXX XXXX.I have received any of the money from them I just change my account last week to the XXXX XXXX  XXXXIm just more curious to see where the funds went to stating they sent to me of last year of XXXX through XXXX.
Product: Debt collection

I was hospitalized from XX/XX/XXXX through XX/XX/XXXX in the respiratory ICU. Fully immobilized and on a vent. During this time my XXXX and XXXX XXXX with Synchrony Bank became past due. The last payment I was able to make on this account was XX/XX/XXXX. I am single and no other authorized users were on the account. However, my parents who were my immediate next of kin and medical emergency contacts attempted to contact Synchrony to inform them of my hospitalization along with discussing payment options. Their attempts to make payments on my behalf were refused and the account eventually became charged off. 

A week ago, I received a summons, as I am now being sued for non-payment. This is the first communication that I have received regarding this account as last year no correspondences or mailings arrived alerting me to this debt since my discharge from the hospital in XXXX of XXXX. 
While I do not dispute the debt, i do not agree with the measures that Synchrony took to handle the account given attempts were being made to reconcile the debt before a law suit. Additionally, I had two other accounts owned by Synchrony ( Banana Republic & GAP ) that were paid off by my next of kin during my period of incapacitation.
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 with my written instructions.
Product: Credit card

I received email stating I will receive my security deposit for the secured card {$300.00} in XX/XX/2023. I have not receive my security deposit back.
Product: Checking or savings account

I opened my Citizens checking and savings accounts pursuant to a promotion offering {$2.00} for each debit purchase transaction, and {$300.00} for depositing {$500.00} into savings for each of 3 consecutive months. I satisfied all requirements within the prescribed time frames, but Citizens has refused to post the {$100.00} and {$300.00} bonuses that I earned. To add insult to injury, Citizens is draining my funds with service fees. I would have closed my account already except that would let Citizens off the hook for the bonuses it owes me. Citizens should not be allowed to lure consumers into Citizens products and then fail to honor its advertised promises. I do not want the bank to call me unless to say it will post the bonuses and refund the service fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

I have attempted since XX/XX/XXXX to refinance my HELOC with Bank of America. I learned in XX/XX/XXXX that they claimed they needed some additional documentation but did not contact me via email or in writing because they said I had a do not call on my account. This year, I got the same runaround and was jerked around in XXXX and XXXX of XXXX. I finally talked to a women at the bank who was not helpful, telling me that I had no equity in my home. I owe approximately $ XXXX on my first mortgage and $ XXXX on the XXXX. My house is worth at least $ XXXX. 
I am a XXXX old widow with only my XXXX  and XXXX income. I have no living relatives and do not want to lose my home. I have enough monthly income to pay my debts.