23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had 2 CDs mature at Capital one. Each have taken an unreasonable amount of time to receive the proceeds/principle requested upon maturity, both requests made the morning that the CD 's matured. 
CD # XXXX ( APR 2.50 % ) opened XX/XX/XXXX and matured on XX/XX/XXXX, but was not paid into my Capital One checking until XX/XX/XXXX, and no provision for interest earned for 4 days was made for the period from XX/XX/XXXX to XX/XX/XXXX. Interest for 4 days on {$230000.00} is approx. {$64.00}. Request to close CD and transfer funds made XXXX XXXX  on XX/XX/XXXX. Interest was requested for 4 days on XX/XX/XXXX. 
The second CD # XXXX ( APR 2.30 % ) was opened on XX/XX/XXXX and matured on XX/XX/XXXX and funds were not received until XX/XX/XXXX. Request to close CD and transfer funds made XXXX XXXX on XX/XX/XXXX. Approximate interest for 7 days on {$100000.00} is approx. {$46.00} for the period from XX/XX/XXXX to XX/XX/XXXX. 
Numerous follow up calls were made to receive the original principle, and each day I was told that the back office was backed up. 
I was also negatively impacted regarding CD ending # XXXX, as I had intended to fund an annuity outside of Capital One, and had to make exceptional arrangements, since I didn't have access to the funds that were due me on the promised date. 
The following case numbers were furnished, and multiple phone calls were made to secure funds and interest, however no follow up has been made despite numerous promises to get back on the interest request. 
The following case numbers were submitted beginning XX/XX/XXXX and also submitted on XX/XX/XXXX : Case # XXXX, XXXX, XXXX, XXXX. Response was promised to cases opened within 15 days, and to date, no response has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed secured loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/year> under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit card

I have currently an active Apple XXXX  card through Goldman Sachs. I have not had access to this credit card since XXXX of XXXX. 

I am unable to add the credit card to my digital wallet or activate the physical card. I have spend over XXXX hours on the phone with XXXX and Goldman Sachs and now over a year trying to have them fix it. I have multiple emails and cases that have been opened. After all of this I still have no resolution or access to my credit card. They have provided no updates, no information on whats wrong or any information on whats being done to resolve the issue. 

They have done hours of trouble shooting on my phone. Ive sent in multiple diagnostic reports, screen shots and video recordings. We have gone through XXXX IOS iterations and Ive used multiple devices. This has nothing to do with my devices and everything to do with XXXX and Goldman Sachs.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB closed my complaint and that was wrong to do so. 

EXPERIAN says i need to provide a written request from my address for a 7 year fraud alert, along with my XXXX POLICE REPORT from XX/XX/XXXX whereby it state I am a victim of identity theft. 

On XX/XX/XXXX, both items were provided to EXPERIAN and they refuse to grant the 7year fraud alert. I have already spent months and months trying to resolve this nightmare after finding out the 90 day fraud alerts expire and the fraud comes back at a rapid pace because you have eliminated that ALERT and allowed my credit score to be ruined since the inquiries have plummeted my score over 60 points in 7 months thru NO FAULT of my own because I have NOT applied for ANY credit for the last year, NOTHING expect XXXX XXXX XXXX XXXX before I was notified that XXXX breached my data and exposed my SSN, DOB, names and address to CROOKS.
Product: Mortgage

I received the response to my prior complaint ( XXXX ) and after reviewing the documents the status of my complaint remain the same. Selene Finance sent the XXXX set of loan modification documents with changes to a few pages. The XXXX set were clearly the ones that were never sent out because not only did the dates reflect it Selene Finance did n't take the time research the title/deed to show XXXX XXXX was no longer listed on the property. The second set of documents that were sent only changed the first page without making all of the changes. The third set reiterates what is obvious about XXXX XXXX. There is no need to mention XXXX XXXX in any of the documents! I have made it clear that XXXX XXXX is no longer affiliated with this property which is something that Selene Finance should have known before they sent out any paperwork. The documents are still reflecting XXXX with the XXXX payment being due XXXX XXXX. I attempted to contacted Selene Finance several times ... the line is always busy! After not being able to reach anyone I returned the entire package to Selene Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX EXPERIAN DISPUTE FRAUD DEPT XXXX XXXX  XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX XXXXXXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX | XXXX Under investigation fr om previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX  | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX, XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX XXXX OF THE Date Reported XX/XX/XXXXDate Assigned XX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).

General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquirers XXXX XXXX  - XX/XX/XXXX Syncb/PayPal - XXXX  XXXX, XXXX XXXX Mortage - XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Debt collection

I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Synchrony Bank has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Synchrony Bank has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX  balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Product: Credit reporting or other personal consumer reports

Equifax report states a {$2600.00} charge off was paid in XX/XX/XXXX, but the creditor says the debt is not written off and still owed. According to the Equifax dispute report, Equifax said the creditor verified the charge off was paid. The other account XXXX has a consumer dispute reinvestigation that I did NOT request - see credit report XX/XX/XXXX. I did not pay {$4600.00} on XX/XX/XXXX- see credit report XX/XX/XXXX. Hence, the reason that I filled an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my home mortgage on XX/XX/XXXX. On that same day my credit score dropped by 56 points thru Experian. I have tried to call Experian to discuss this issue with them. I am looking at purchasing another home, but my credit rating has dropped which is pushing me into a higher APR.
Product: Credit card or prepaid card

I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX-Please verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit management has came a few times to try to serve papers the lady comes in a with her minor children and has cussed out my father in law and told him she's just going to have the police come and arrest me. She has even gone to our neighbors to ask where I'm at and where I work how can she catch me cause she's going to get the police to come arrest me. Midland credit management has already taken out money from my bank but refuses to credit to any account. When I've called the lady 's that answer just yells " you owe us money anyways the police will deal with you I'm not giving you any information on your debt " but if I start the phone call with I'm recording this conversation too the line gets disconnected.
Product: Money transfer, virtual currency, or money service

My Gemini account has been frozen by Gemini for more than one month. Gemini deactivated my account without my consent or any notification. Thus I have been unable to access my funds of XXXX in the account. 
I have contacted the Gemini support team and submitted verification documents but no update from them for one month, despite my over 20 emails to chase for an update.

I have never gone through any fraudulent transaction with my account and it is not acceptable to lock my account and my funds with no reason and no resolution. Im concerned Gemini has moved my funds without my acknowledgment for other purposes and now facing liquidity issues, so they now limited my access to the account to withdraw. 
My appeal is for Gemini to unlock my account ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit card company XXXXXXXX XXXX XXXX reported my credit card account ending XXXX to all three credit agencies. Only one credit agency which is XXXX is the only one thats reporting. Im having issues with Equifax and XXXX to report my credit card account on my report. I reached out to not credit agencies on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent notarized documentation to both Experian and XXXX  credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and Experian and XXXX  keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.
Product: Credit reporting or other personal consumer reports

I have sent in my documentation more then once they have validated and accepted my ID and social many times and Equifax still does not report my credit. To experian or keep it karma or any 3rd party agencys I have had non stop issues with Equifax for years not reporting my credit. And Im tired of working on my credit and not being able to see it I do not wan na use the Equifax app as that is my right so again Equifax needs to fix this
Product: Debt collection

This Issue was resolved year ago and now this company is trying to collect money that i never owned before XXXX Equifax XXXX they removed and now this company put it back again on my report while XXXX XXXX XXXX did removed from my report. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I acquired a loan from the above-referenced company. All my payments have been made on time. 

On XX/XX/XXXX, I emailed the company to inquire what my payoff was. I received the following email from them : " Dear XXXX, Thank you for your email. 
Please be advised that Blue Trust Loans is unable to do same day debit transactions. Your loan balance for the earliest available pay off date, XX/XX/XXXX, is {$900.00}. Please call before 4 PM EST today if you would like to have the balance be debited on XX/XX/XXXX. '' I did not pay off my loan at that time. 

On XX/XX/XXXX, I emailed the company to see what my current payoff would be. I received the following email : " Dear XXXX, Thank you for your email. Kindly note the amount you quoted below does not include the interest accumulated up until XX/XX/XXXX. As shown in the payment schedule {$800.00} is the ending principal after the payment is made on XX/XX/XXXX. 
Your loan balance on XX/XX/XXXX is {$1000.00} which includes {$800.00} as Principal and {$210.00} as Interest for the entire period. '' It would appear that my payoff amount was lower in XXXX than it is in XXXX, despite having made all my payments on time. 
This seems like a scam.
Product: Mortgage

Complaint again st Ocwen Financial Corporation Date   XXXX / XXXX / XXXX  It is with some urgency that I write to you about  Ocwen Financial Corporation.  Apparently, they hold a Deed of Trust against my property at  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ca  XXXX  and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny.   On  XXXX / XXXX / XXXX  my wife and I signed documents for a mortgage with a company called  XXXX   XXXX   XXXX  but then was offered a better mortgage package at a much better interest rate with   XXXX   XXXX   XXXX   a day later. I then rescinded the mortgage with  XXXX   XXXX   XXXX  within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause.   XXXX   XXXX   XXXX   went out of business later that year.  Ocwen Financial inhe rited some of   XXXX   XXXX   XXXX   book of business and the lien was transferred from  XXXX   XXXX   XXXX  to  Ocwen Financial.    I have never had any business with  Ocwen Financial,  they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with   XXXX   XXXX   XXXX   was sold to   XXXX   XXXX   who is our current lender and holder of our legitimate lien.   My wife and I are currently refinancing our mortgage with  XXXX  and when they did a title search six weeks ago,  XXXX  found this second lien. There have been repeated attempts over these last  six  weeks by  XXXX   XXXX  of   XXXX   XXXX   (  XXXX  ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally.  XXXX  ( #  XXXX  ) assured me that they would respond within  24-48  hours, which was the same response  XXXX   XXXX  received. I have no confidence that I will be treated any differently.   My wife and I are supposed to sign final documents for our refinance on  XXXX   XXXX ,  XXXX  to secure an affordable monthly payment. The lien held by  Ocwen  is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed.   Resolution.   We ne ed Ocwen Financial to remove this lien within the next five days for us to close the  refinance with  XXXX  Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with  XXXX  by  XXXX   XXXX ,  XXXX .  Ocwen Financial Lien Release  Department had  6 w eeks to resolve this issue and have completely ignored our repeated request to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.