23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XX/XX/XXXXand also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date ofXX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
Product: Bank account or service

On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the inquiry from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX  credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Product: Student loan

For the last couple of years, I have been trying to release my co-signer and Navient has not allowed to do so. I 've made prepayments on the loan and they reset the timing for the consecutive payments needed to release my co-signer. They then denied my co-signer release.
Product: Debt collection

In XXXX, upon checking my credit report, It came to my attention that a XXXX XXXX Credit card was opened fraudulently in my name. I sent debt validation letters to both XXXX and Portfolio Recovery Associates, and for a month it was either XXXX saying they sold the account to Portfolio Recovery and that I should deal with them directly. 

I sent Portfolio my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent XXXX XXXX a packet of information with supporting documents, and recently XXXX XXXX   sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked Portfolio for debt validation they sent me the attached letters. It just states that XXXX sold the account to them and that was enough to establish its validity.
Product: Other financial service

I wrote a check at my optometrist for glasses and they ran the check through Cross-Check for verification. The check came back declined, not for lack of funds, or bad check history, but the optometrist thought it was because the check number was too low. There is more than sufficient funds in the account. I contacted Cross-Check and you can not get a live person. I filled out a request for a credit report and reason and the report came and said : " Cross Check has detected no negative data regarding you or your check writing history. In addition, CrossCheck did not access any other source in evaluating whether to approve your check. Rather, in this instance, CrossCheck decided not to bear the risk of your check 's dishonor based solely on industry parameters that CrossCheck established. " This basically said that the industry parameters are their own and the declined the check because they felt like it. If it is indeed because the check number was too low ( although they did n't say so ) what should I do, throw out all my checks and start at XXXX? They have not given me a reason why I was forced to use a credit card. Will this random and arbitrary event happen again? This is outrageous. It 's also embarrassing to be told in public with lots of people around that your check was declined. They should not be able to make this determination without a real reason.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, transunion, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, transunion, XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, transunion, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, transunion, XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Mortgage

On XX/XX/XXXX, I sent in a handwritten request ( attached XXXX  ) to BSI Financial to have PMI removed from my loan because I had fulfilled all the requirements as outlined by my contract and by XXXX XXXX  to have PMI removed. I had reached the 80 % LTV ratio and was current on my payments. The loan balance on the date the request was sent in was $ XXXX original purchase price in XX/XX/XXXX was {$250000.00} ( see XXXX ), the original appraisal was at {$260000.00} ( see XXXX ), and the original loan amount was {$230000.00}. 
The Private Mortgage Insurance Disclosure ( see PMI XXXX ) of my contract states that " You have the right to request that PMI be canceled on or after the following dates : [ ... ] The date the principal balance actually reaches 80 % of the original value of the property based solely on your actual loan payments. 
" 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed. '' Additionally, since my loan is a XXXX XXXX loan, the XXXX XXXX servicing guide ( XXXX XXXX XXXXXXXX  ) Section B-8.1.-04 states for " borrower-initiated termination of conventional mortgage insurance based on the original value of the property [ ... ] if the mortgage loan is secured by [ ... ] a one-unit principal residence [ ... ] then the LTV ratio eligibility is met on the date the mortgage loan balance is first scheduled to reach 80 % ( or actually reaches 80 % ) of the original value of the property. '' Given the definitions of original value and LTV ratio outlined both in my mortgage and by XXXX XXXX, my LTV ratio on XX/XX/XXXX would be 78 % ( $ XXXX {$250000.00} ) - the loan amount divided by the original contract sales price of the property. 
One month later, I received notice that my request to have PMI removed was denied on the basis that the principal balance had not reached 80 %. In talking with representatives at BSI Financial, it turns out that they were using the original loan amount of {$230000.00} instead of the original contract sales price of the property of {$250000.00}. I have since had several back and forth phone communications with BSI Financial, and they continue to use the original loan amount despite having sent to them what it says both in my mortgage contract and in the XXXX XXXX servicing guide. They refuse to acknowledge both my contract and the XXXX XXXX  guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Armed Forces Loans. I fell upon hard times and missed a payment back in XX/XX/XXXX or XX/XX/2018. I made that payment the following month and continued on schedule making the payments as I was scheduled to. Armed Forces Loans continued to mark me as having late payments when they were paid via ACH on the due date monthly. When it came down to my last 2 payments. I  made the payment in XX/XX/XXXX and when I contacted XXXX ( I am military ) they stated for me to get clear guidance from the company on what was owed before I made the payment. Before I could get that resolved the company drafted my account without my consent and took the last payment out in XX/XX/XXXX.  That payment has not been reported to the credit bureau but they have reported me again as having a late payment even though they have my money. They contacted me onXX/XX/XXXX stating I had a balance of {$15.00} for a late fee. This company seems to scam, access peoples accounts without their permission and not report accurate balances.
Product: Debt collection

The collection company contacted me in reference to the debt owed. They stated if debt was paid in full it would be deleted from our credit report by the end of XX/XX/XXXX. My husband called and paid in full. It is now the end of XX/XX/XXXX and the debt is still there.
Product: Credit reporting or other personal consumer reports

Address are not mine : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX CT XXXX XXXX FL PHONE NUMBERS AREN'T MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEVERAL EMPLOYERS AREN'T AFFILIATED With ME AS WELL IT STATES I HAVE BEEN IN YOUR FILES SINCE XXXX THATS EXACTLY WHERE THE IDENTITY THEFT STARTED *XXXX XXXX XXXX  XXXX ( I have had a car insurance company for a long time never had to look for another/this is not my inquiry XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE LIST GOES ON
Product: Debt collection

Received a notice from my new monitoring service regarding an account from this agency AARGON AGENCY INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$330.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i first had my social security card in 2019, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the credit one my account isnt mine except which XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX. thank you
Product: Credit card or prepaid card

They hacked my account and I stole more than {$10000.00} from my Wells Fargo account. 
XXXX. I close my account. Also other companies transfered me to debt collecters. XXXX and XXXX.
Product: Debt collection

Atlantic Recovery Services have been attempting to contact me since XX/XX/XXXX. On XX/XX/2022 at XXXX XXXX  my local time ( an FDCPA violation in of itself ). After calling them back at a reasonable hour I told them to cease telephone communication and to use recorded, written correspondence if they had any need to contact me further and requested a debt validation letter at that time. Since then I have received multiple calls from them, using different phone numbers with area codes from my local area to try and trick me into answering the phone. I have since called and left messages, as well as used their online website to request they cease and desist telephone communication. Today I finally was able to speak to someone, and told them again to stop calling me. I was treated rudely, yelled at, hung up on, and transferred into XXXX several times before finally speaking to a supervisor who claimed the company had only received my request for cease and desist today, and that I had not requested a validation letter, and the address I had on file that they verified to send me the letter to was an address that I have never lived at ( despite them having recorded conversations with me telling them to mail me the letter and giving them the proper address ). At this point I do not believe the debt is actually mine, and that this company is either incompetent or maliciously attempting to illegally collect debt. It is only a matter of time before citizens who do not know their rights as well as I do are preyed upon and have debts that are not theirs illegally collected.
Product: Debt collection

credit report shows as a debt for {$59.00} as a XXXX debt. Ive contacted XXXX and I have no debt outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about my information being in the XXXX data breach so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 
The incorrect addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, FL XXXX The incorrect names are : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Debt collection

On XX/XX/XXXX I paid my synchrony bank credit card off in it's entirety in an over-the-phone payment. {$2100.00} was taken directly from my checking account that day. The customer service representative then acknowledged it wasn't my fault that my account was past due, and she was going to refund my checking account the {$270.00} over payment ( {$16.00} interest/ {$250.00} late fees ) that shouldn't have ever been tacked on in the first place, the only reason I never made a payment is because they told me I would have no payment due until I received every piece of furniture from that order, which I did not, no statement or account information ever came to my address on file. I had to reach out to them to get my account information and pay my balance. 

About 2 weeks later in early XXXX I received a letter in the mail from Synchrony Bank stating my account had a {$0.00} balance. ( I had requested this letter for XXXX XXXX XXXX XXXX to do a rapid rescore on my credit so I could purchase a home for my family ) On XX/XX/XXXX my Synchrony account was re-charged the difference amount of {$1800.00}. Instead of refunding my personal checking account the {$270.00} as promised, the representative recharged the credit card the difference even though I already paid it completely off. 

My wife and I have both talked to countless reps and supervisors from Synchrony, all of which are no help. They apologize and send it to investigations promising that it will be cleared up, but it never is. Each time we call back they have NO recollection of who we are or what the problem is.It 's now been nearly 5 months, my synchrony account is showing delinquent on my credit report, my score has dropped a HUNDRED POINTS due to this mess. It ruined our ability to buy a home for our children. We both spend hours and hours trying to call and resolve this, we have faxed in our bank statements PROVING the {$2100.00} left our checking account and never returned, we have sent registered mail, they REFUSE to help us. 

PLEASE help us get the {$1800.00} fraudulent, erroneous charge + any fees they may tack on removed from this Synchrony account and get our {$270.00} in fees and interest returned to our checking as promised, and make them fix my credit score they single-handedly ruined.
Product: Credit card or prepaid card

Call me once and leave a message. That would be perfectly fine. Ive been called 8 times today and its harassment.