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

I am missing direct deposits from active unemployment claims, Virginia unemployment commission confirmed checks were sent but cant confirm routing/acct # for security. I have closed accounts with banks from previous unemployment claims and am requesting payment investigation for possible misapplied/abandoned payments. 
Company name : Virginia Unemployment Commission Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}
Product: Credit reporting or other personal consumer reports

Synchrony Bank calls my phone number every day and leaves a XXXX recorded message telling me to call them. They don't say why. I don't do business with them. I have never received anything with a similar message in the mail from them. They're harassing me. I'm on the " Do Not Call '' list, too. 

They won't stop. Please help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc Due to inadequate customer service and unfair practices, which violates 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. Futhermore, their dispute resolution process was unfair and deceptive, as they did not 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX XXXX person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX  as well as TransUnion and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX XXXX that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both TransUnion and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.
Product: Credit card or prepaid card

I decided to apply for my first credit card as I am approaching the end of my college career, and I wanted to start building credit. I used XXXX XXXX to see which credit card was best for me and their top recommendation was the Discover It - Cash Back card. I applied on XX/XX/22 and was sent the confirmation email from Discover ( 1st attachment ) that I was approved and getting a card. I then signed the XXXX form they asked me to and received a confirmation that i had successfully completed that as well ( 2nd attachment ). Six days later, I received the card in the mail and immediately activated it. I received the email that claimed the process was a success and that I could immediately use the card ( 3rd attachment ). However, when I tried to use it, I was being denied. I called Discover right away and asked what the problem was, and the representative said they hadnt finished verification. I never got an email about this apparent two week period where I have my card, it is activated, but I cant use it. The next day ( XX/XX/22 ) I called again and received the same answer but with attitude. I was told I did receive an email on XX/XX/22 detailing this when, in reality, it was only the email confirming I was approved and getting my card. So, I waited until early this morning ( XX/XX/22 ), I received an email saying theyve closed my account because they couldnt verify my identity ( 4th attachment ). I called to verify only to be told what was in the email and that I couldnt reopen I am confused and frustrated. I just want to build my credit with light purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
BEST EGG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. 

I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. 


Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. 


How can such a thing happen, and how can they get away with this!! 
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served? 
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
Product: Money transfer, virtual currency, or money service

The incident occurred on XX/XX/year> at approximately XXXX PM at the XXXX XXXX XXXX terminal in XXXX. On the way home from work, three individuals approached me on the subway - XXXX males, XXXX female. They asked me to donate to their high school basketball team, so I took my phone out to Zelle them a small donation. However, one of them grabbed my phone from my hand as I was making the transaction. I tried reaching out to get my phone back, but he kept avoiding me. By the time I had gotten my phone, the group got off the subway. I checked my bank account and the group had transferred {$2000.00} to his account. I never meant to Zelle {$2000.00} to this group, only a small donation. If I had known they would snatch my phone away from me, I never would have engaged with them. 

The next day, I contacted XXXX and filed an incident report. In addition, I contacted Zelle for the scam but they told me to contact my bank as there was nothing they could do. I contacted my bank ( XXXXXXXX XXXX ) and filed a report. I was notified today ( XX/XX/year> ) that my bank could not refund the money. Both Zelle and my bank are refusing to refund the money so I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

Transunion closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies ( Transunion & XXXX ) blame each other.
Product: Debt collection

I received the following email from a company that I have never done business with. All the information they have about me is incorrect ( e.g. name, address, debt... etc ). 
They do however have my e-mail correct and continue to send me e-mails about a debt that does not exist with them. 

Their message reads : This is your XXXX XXXX XXXX XXXX Money Transfer receipt and confirms your authorization for a one-time electronic bill payment to Santander Consumer USA XXXX XX/XX/2022 XXXX. The total amount will be debited from, or charged to, your bank account or card listed below. 

Confirmation Number : XXXX Sender Name : XXXX XXXX Sender Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number with Receiver : XXXX Your bank account or card # : XXXX Receiver : Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Payment Date : XX/XX/2022 Payment Amount : {$410.00} Money Transfer Fee : {$2.00} Total : {$410.00} California Residents XXXX You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if ACI Payments , Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorneys fees pursuant to Section 2102 of the XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX COMPLAINTS : Click here for information about filing a complaint Please contact Santander Consumer USA directly at the address listed above or call XXXX if you have questions about the posting of this payment to your Santander Consumer USA account ending with XXXX.
Product: Debt collection

For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX
Product: Debt collection

I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is XXXX.
Product: Student loan

XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. 

XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. 

XXXX received email stating that I can apply for IDR or reply yes to get Forbearance
Product: Mortgage

On XX/XX/2019 I filed a complaint with CFPB against Chase mortgage lender because they outright sold my note without providing me 15 days of notice PRIOR to this transaction. 

The only way I found out the true date of sale is from the buyer who accidentally included the true date of sale in a letter to me. 

Chase got upset that I filed this complaint and tried to call me, when they are prohibited from direct calls to me as I am in a Federally protected Chapter XXXX. Chase is only allowed to notify my lawyer of ANY transaction that takes place, they also need to notify the Chapter XXXX Trustee, which they did not do. 

On XX/XX/2019, after their illegal call to me, they sent me a non certified letter explaining they received my complaint while simultaneously failing to communicate any of this matter to my law firm, or the XXXX County Court Trustee. 

Two days after their letter, ironically, the new Lender sent me a foreclosure notice, claiming I've been late on my new payment, when I have never missed a payment. All of my payments are processed through the Chapter XXXX Trustee court filing system in XXXX County. This is deceptive, and total harassment during the Holiday season. It appears that Chase waited to perform these sneaky actions. 

As a result we are hiring a firm to perform a total XXXX report on the Chase mortgage to discover whether or not they have sold bonds, separating the bond from the note, on this loan. I have every intention of filing a RESPA suit and more against them for these actions.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to express serious concern regarding the exposure of my personal information as a result of a data breach involving XXXX. I recently became aware that my sensitive information, including my Social Security number and other personal identifiers, have been compromised due to this incident. I am writing to formally dispute inaccurate and potentially fraudulent information on my XXXX credit report as a result of being a victim of a data breach. 
My personal information was compromised in a data breach, which I have led to unauthorized accounts associated with my credit file. I am kindly requesting that the CFPB investigate XXXX and remove any items that are not directly authorized or initiated by me. All listed accounts to be blocked and deleted from the company XXXX. 
KIKOFF LENDING LLC
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am trying to get a new home with my credit union/bank . i called them so that they could do a soft inquiry to see where things stand. they said they have to pull from equifax to do the soft inquiry. on two different occasions, they are saying they cant see my equifax credit report. they stated on both occasions that it is showing i do not have an equifax credit report. also, i believe the credit score for my equifax is wrong. it is still showing the same score as it was awhile back, after having 4 accounts removed from it, but it should be higher. anyway, i found out that if you have too many soft inquiries on equifax, that it will not generate your credit report for some reason. and i also found out about the equifax credit score glitch. i talked to equifax and had my fraud alert removed, hoping that would fix things. i then called to have soft inquiries removed from my report because there are way too many on there and they said they cant remove them.
Product: Mortgage

Supreme Lending is doing a refinance loan on my existing mortgage. Effective XX/XX/20 they terminated employment with my mortgage loan officer who was conducting this refinance. 

The primary reason I was doing this refinance loan was because of the trust and confidence I had in the Mortgage Loan Officer that I had chosen to do this refinance. Since the MLO is no longer employed with Supreme Lending I attempted to have my loan file pulled and reimbursed for the Appraisal Fee I was charged by the bank. 

The loan officer who is now in charge of this file called me today ( XX/XX/20 ) to inform me that we are so close to closing on the file that it would unreasonable to cancel the loan and that the Appraisal Charge of {$510.00} paid on XX/XX/20 would not be reimbursable ( Also found out today that the appraisal charge increased to {$580.00} ). Although they can cancel the loan, they will not be able to reimburse me for the appraisal charge. She also stated that she doubts any other banks would be able to accept the current appraisal. At this point, I could be out over {$1000.00} between canceling this loan and choosing to use another bank. 

- Supreme Lending is not reimbursing the appraisal charge as a tactic to strongarm me into closing a refinance loan with a person I originally did not choose to conduct business with. 

- Had I chosen to roll the appraisal charges into the loan, I would be able to cancel penalty-free. But because I specifically paid for the Appraisal upfront, it is being used as a predatory tactic to keep me from shopping with a new bank. 

- I should have the option to pull out of the loan penalty-free and am asking for my loan to be canceled and that I be reimbursed the {$510.00} I spent on the appraisal. 

Loan # XXXX
Product: Checking or savings account

This is my 2nd complaint against Bank of America. The issue started back on XX/XX/18 I deposited a check for {$660.00} and Bank of America is saying the check was returned. However I have provided them proof that the check cleared and also had the other financial institution contact them to advise the check did clear and they need to refund my account. I have emailed, called them and so has XXXX XXXX XXXX XXXX. yet as of today my account is still showing overdrawn by {$660.00} They received the funds from this check on XX/XX/18. How can they legally do this? Especially since the other financial institution where the check came from already provided them proof that it cleared. This seems like Fraud to me. My last complaint was closed, and I don't understand why when I did contact B of A and told them I submitted this. How are they getting away with doing this?