23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunion and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status ( XXXX  ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

On XX/XX/2019, I made a claim requesting my money back from a check which was cashed out by unauthorized person. The check was destined for rent and landlord 's name was on it. Clearly, whoever cashed out the check was not using any legal documents to prove his identity. Moreover, the teller from any financial institution should be held accountable for violate the right procedures to cashing a check without the right endorsement which was needed in this particular case. It's been almost two months that Citibank has not given me any satisfactory response to resolve this situation.
Product: Checking or savings account

I am writing to bring to your attention a serious issue regarding a recent fraudulent transaction involving my XXXX XXXX account. My father was deceived by an XXXX seller who requested that the transaction be taken off XXXX. He was selling a camera and was subsequently contacted via an email that falsely claimed to be from XXXX support. This email instructed him to ship the camera with the promise that payment would be deposited into his account once the item was shipped. 

After the camera, valued at {$1100.00}, was delivered to the buyer, the buyer claimed that they no longer wanted the item and offered to return it if an additional {$1700.00} was sent to facilitate the return through XXXX  so-called " processing '' system. Unfortunately, my father, acting in good faith, sent {$1700.00} from my XXXX XXXX account under the assumption that the buyer would return the camera and reimburse him. However, the buyer never returned the camera, nor refunded the payment. As a result, we have lost both the camera and the {$1700.00}. 

This situation constitutes clear fraud, and despite this, neither XXXX XXXX nor Chase Bank have provided reimbursement for the funds lost or offered any assistance in resolving the matter. Enclosed, please find the police report filed in connection with this incident, which should serve as sufficient evidence of the fraudulent activity. 

If this matter is not addressed promptly, I will have no choice but to escalate this issue, including pursuing legal action through a class-action lawsuit against Cash App and J.P. Morgan Chase Bank XXXX 

I appreciate your immediate attention to this serious matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/2020 i recieved several deposits from unemployment into my paypal account. I immediately requested a transfer of XXXX to a linked account and was denied without reason. i then was only allowed to withdraw $ % XXXX increments from XXXX and my account was limited. i reached out and the limitation was removed and i was assured in 48 hours i could remove my money. OnXXXX XXXX i attempted to transfer my money and again was denied andf told i had to wait another 24 hours. i waited, on XX/XX/XXXX i attempted to transfer again and was denied and could get no answers from anyone. i recieved emails and messages on the 3rdto send in verification of new account linked to my paypal and other documents, this after i had already sent in a pic of me holding my id as requested. Immediately after my account wasd limited permanently and i was informed my money would be held for 180 days, i hacve contacted them repeatedly and was told it was because of too many logins, then too many attempts to transfer my money, now because of possible fraud but they wil give no specifics and are forcing me to leave my money in their control for 180 days. i was also told that this money is no longer eligible for pass thru fdic protection, yet as it was all from eft it most definitely is covered. by claiming it is not they now can simply say the money was mlost and im just out. i want my money transferre3d to my bank as requested and as they are bound to do and have denied my requests from the beginning
Product: Debt collection

I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.
Product: Mortgage

XXXX mortgage shows that we are 3 months down we have been caught since our filing in XXXX
Product: Payday loan, title loan, or personal loan

i took out a personal loan from XXXX XXXX, a loan company for military, in the amount of XXXX. The loan was then sold to or was said to be serviced by SST/Pioneer. First the loan term was supposed to 30 months but they changed it to XXXX and told me i misunderstood. in any case my payments where XXXX set up on auto draft for the XXXX of the month every month. it came out every month and the few times it didn't they blew my phone up until i corrected the issue. usually he next day. At the end of the loan of which the repayment amount was {$11000.00} dollars that i paid. they decided to dream up all of a sudden a missed month that turned into late fees and stuff equalling $ XXXX. i argued and argued this to them and asked they produce proof and they did not. 

Then after paying XXXX dollars for XXXX they decided to report it as charged off BAD DEBT. Again i argued and demanded proof with no help. I then disputed through the credit Bureaus that apparently don't actually look at the disputes as it must be automated, because the very paper work SST sent them proves my case. As well as shows how un organized they are as there is " missing '' data all over it. Turns out i was even double charged something like 10 months of the repayments. 

They say they have agreed to delete it from my profile but that isn't what i want as i am trying to build my credit and if i wanted it to be bad debt i wouldn't have given them {$11000.00}. 

regardless it is just another scsm as it is no deleted plus they put another collections account on the same false debt using a different company name. its called XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Product: Debt collection

On XX/XX/2018, my wife suffered a XXXX XXXX XXXX in her XXXX XXXX  in XXXX, TX. We called XXXX given our XXXX  to safely XXXX XXXX The first responders were the volunteer local XXXX team, and they assisted in moving her from the back of the house into an ambulance. Shortly thereafter, the paramedic team from the town of XXXX, approximately 30 minutes away, arrived. It was their assessment that she had a likely leg fracture requiring XXXX  consultation, and they informed me that no XXXX   consultation was available at the hospital. This confirmed what our family in the local area had indicated. The paramedic staff also indicated to me that she should be transferred to a XXXX XXXX in XXXX XXXX and that the only safe way to get her there was by helicopter. I deferred to their judgement for the medical necessity of this transport. Of note, my wife has XXXX XXXX with a history of XXXX on the XXXX XXXX and with that she has both motor and sensory dysfunction of that extremity. She was in XXXX XXXX not simply because of her XXXX, but also because she was having XXXX XXXX of her XXXX  causing her XXXX  to pull directly on the XXXX. 

My health insurance refused to pay the XXXX bill for {$54000.00} on XX/XX/2018. Within a few months I responded to appeal. On appeal, XXXX, the insurance company, reviewed the records in detail and paid XXXX {$12000.00}, which is the customary amount for ground transportation, indicating in the explanation of benefits that the patient responsibility should be {$150.00}. 

They then began balance billing us for the remainder. We used our XXXX  employee benefit to hire an attorney, who sent XXXX and cease and desist order regarding the balance billing, but they haven't continued to bill us and submitted it to a credit collection agency, which has led to a damaging item on my wife 's credit report, which is impacting our ability to obtain a mortgage. 

We had no role in the medical decision by the providers at the scene to recommend air transport. The insurance company subsequently determined that ground transportation would have been adequate and therefore have only paid that amount. XXXX is now coming to us to pay for what the medical providers have said was necessary at the scene but our insurance company wouldn't pay.
Product: Debt collection

In 2020 I pulled my XXXX Credit Bureau File and found Portfolio Recovery Associates , LLC entered an ERROR on my file claiming I owe {$520.00} to XXXX Bank Nevada, NA. I do not owe XXXX any money, and I do not owe any money to Portfolio Recovery or signed any agreements with Portfolio. 

On XXXX I send Portfolio Recovery a Certified Letter, Return Receipt Requested, informing them of their mistake, objecting to owing them any money and asking for PROOF that I owe the debt. I asked for copies of any documents bearing my signature from XXXX Bank Nevada showing that I have an obligation to pay this debt. 

Portfolio responded on XXXX and FAILED to include any proof or any documents, order forms, etc. proving that the debt belongs to me. 

To date Portfolio refuses to delete their ERROR on my credit report causing me damages.
Product: Credit reporting or other personal consumer reports

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the XXXX  date, date of XXXX activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Harris and Harris LTD place something on my credit and I don't know who they are and never did business with them or gotten anything from them to know why they did it
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for XXXX  XXXX  credit card at the register in XXXX  XXXX  store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called Sagestream LLC 5times, left 5 messages and call was never returned.  Called XXXX  XXXX  who verified credit was pulled but had no idea why I was denied as I have a XXXX  account currently active with them.  Couldn't explain anything about Sagestream, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me XXXX  XXXX  has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with Sagestream rep;orting me as deceased and XXXX XXXX telling me letter is a scam when I received it in response to their bank denying me credit for XXXX  XXXX  card. ( FYI  since I checked my credit reports I see the XXXX   XXXX/XXXX  XXXX inquiry has been removed).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Complaint Summary : Complainant : XXXX XXXX Company : Midland Credit Management LLC Issue : Involved a settlement agreement for a debt of {$1300.00}, where both parties agreed to a settlement of {$1100.00}. 
Problem : XXXX XXXX was billed {$1100.00} twice. 
The second billing for {$1100.00} incorrectly had {$200.00} removed, totaling the original amount owed instead of the agreed settlement. 
Midland Credit Management is accused of deceptive practices and failing to return the excess amount owed of {$1100.00}. 
The company has also not communicated or provided any email correspondence regarding the account.
Product: Mortgage

XX/XX/XXXX loan modification was not an affordable resolution for mortgagor ( XXXX XXXX XXXX ) whom passed away XX/XX/XXXX. I XXXX XXXX successor person of interest became aware of such modification, son in-law of mortgagor. Their is no Legal Law how many times loan can be modify to an affordable modification. Fay Servicing , LLC offered in XXXX the possibility this loan could be modify ; change of terms, lower interest, extend terms, defer unpaid principal balance to the end of loan. Unfortunate Fay Servicing and their Investor XXXX XXXX XXXX XXXX ( Investor of Loan ) deceitful, misrepresentation, unfair business practice, patterns of Mortgage Fraud, force me into Bankruptcy XXXX with the risk of foreclosure. Since the disaster of XXXX & its Variants XXXX up to current date, Fay Servicing and XXXX continue with the Loss Mitigation frivolous up to current dates, with multiple complete applications, multiple denials, violations with all Federal and State Law. Hundreds of thousands of my hard earn income have not been applied directly to the mortgage payments, XXXX XXXX Attorney fees, foreclosure fees, late fees, hidden fees, excessive fees is most of the mortgage payment applied to, cost me an Financial Hardship and the above mentioned disasters.
Product: Credit card

To Whom It May Concern : I am submitting a formal complaint regarding Amazon Synchrony Banks handling of a refund for a returned item. The refund in question is for {$36.00}, which was initially promised after I paid off my Amazon Synchrony credit card balance. 

Timeline of Events : Initial Outreach : On XX/XX/year>, I received an email confirmation from Synchrony Bank ( attached for reference ) stating that I would receive a refund check of {$36.00} within 7-15 business days. This timeline set the expected arrival of the check around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : I called Synchrony Bank for an update since the check had not arrived. I spoke with an agent named XXXX, who advised me to wait until XX/XX/year>, and assured me an update would be provided by then. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : I followed up with a call after not receiving the refund check. During this conversation, I spoke with an agent named XXXX, who was extremely unprofessional. He contradicted the information given by XXXX and insinuated that I had misheard the previous representatives. XXXX informed me that the refund check would take an additional 2-3 business weeks to arrive, pushing the expected date into XXXX. 

I have attached the email confirmation received from Synchrony Bank on XX/XX/year>, stating the expected delivery timeframe of 7-15 business days. 
Despite this confirmation, the check has not been received, and I have been provided with inconsistent and conflicting information by multiple representatives. 

Thank you for taking the time to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX XXXXBalance Owed : {$640.00} XXXX XXXX Balance Owed : {$20000.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$630.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$23000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance Owed : {$400.00} DPT ED/XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$6600.00} Date Opened : XX/XX/XXXX DPT EDXXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX
Product: Mortgage

I am a homeownership advisor with XXXX XXXX. On XXXX/XXXX/15 I submitted an RMA to SLS and received fax confirmation. I called today to check its status and was told that it had not been received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX reported information on my Equifax report on XX/XX/year>2024. Says account has been charged off for the amount of {$580.00} XXXX 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX I was diagnosed with positive XXXX XXXX And just one time I was late for my Payment to XXXX  credit card Now bcz of that it effect my credit score and now I can not lower my mortgage payment and can't refinace It's national pandemic they can remove late reporting to my credit reporting so I will be able go normal and lower my monthly payments to be able to survive
Product: Credit reporting or other personal consumer reports

I have been subjected to egregious delays in credit reporting, as my student loans were transferred to MOHELA in XX/XX/2023 from my former provider, XXXX. My XXXX credit report has shown, since XX/XX/2023, my student loans under MOHELA ( four total loans ) as well as the same four still being open accounts under XXXX. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my MOHELA account. I am seeking that the XXXX accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.