23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The morning of XX/XX/2022, I received an email from XXXX XXXX informing me that a negative item had been added to my credit report. 
Upon reviewing the report, I found that somebody had opened an unauthorized account with XXXX XXXX in my name. My credit report does not list the date the account was opened. But it shows that a collection agency that goes by the name of CREDIT MANAGEMENT LP is in charge of this account since XX/XX/2022. 
I did not open an account with XXXX XXXX, I have never heard of them, and I have never received any correspondence from them or from CREDIT MANAGEMENT LP. I have no idea who these companies are, and I have not authorized any transactions with them. 
My credit report shows that the account opened in my name is linked to the following TX address, which I have no knowledge, relationship or links to : XXXX XXXX XXXX XXXX, TX XXXX This morning, I filed disputes with the 3 credit bureaus. 
I have also filed a police report ( XXXX  ). The temporary tracking number is : XXXX.
Product: Checking or savings account

I am receiving Safe Deposit Box Payment Notices from Bank of America. I do not have, and have never had, a safe deposit box with them. In the past, I had a retirement account with them, but that was closed many years ago. My husband and I have also had joint accounts with them XXXX also closed ) but the safe deposit box is in my name only. I wrote to them in XXXX and informed them that I do not have the box and told them to close the account and to notify me in writing that it is closed. This did not happen. When I received another notice today - XXXX - I called the local branch listed on the notice and the corporate customer service. Neither one of them could help me on the phone because I do n't have an account number to provide ( because I do n't have an account! ) There are now {$85.00} in past due fees shown. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services has failed to dispute inaccurate information contained in my credit report. Equifax is simply sends me letters stating. " we have received your dispute, and have reviewed it. '' Equifax is intentionally neglecting to comply with more than 19 disputes over a 90 day period. Equifax is stating an item was verified, however following up on that dispute directly, no CDV was ever sent by Equifax. Online disputes are not being submitted and a standard letter is being mailed out. Unaccecptable.
Product: Credit card

Account opened without my knowledge. I have contacted credit bureaus in lieu of this but the creditor has continued to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Please take necessary action on fraud.I suspect my x-Husband XXXX XXXX XXXX.We are no longer living together from past 1 year.I can share you all documents which are required for taking legal action on fraud.My SSN, DOB, Full legal name was misused and opened multiple new credit cards on my SSN, XXXX  XXXX XXXX, transunion has added to my XXXX XXXXXXXX.I am no were responsible for new credit cards opened on my SSN.As i am living in XXXX from past 1 1/2 years.I haven't opened any credit cards or bank loans on my name.I have already filed a compliant against this.Please do further investigation and take necessary action on fraud.And please i am requesting you to block my SSN.I have already blocked my SSN on online but my x-Husband does know all my personal details like SSN , DOB, Full legal name.He might can unblock my SSN again and he mighjt use my SSN and open new credit cards for his personal use.Please take necessary action on fraud. 

Thanks, XXXX
Product: Mortgage

Attempting to refinance the only mortgage on our only residence, we initiated a loan quote with Intelliloan on XX/XX/XXXX. After several rounds of negotiations, I agreed to a rate on XXXX and told the " Home Loan Specialist II '' to move forward. Not using the exact words " Please lock in my rate '', I said " Let 's do this ''. Anyone reading the string of emails will recognize the intent to lock in a rate and start the funding process. 

On Monday XXXX I followed up in an email asking for confirmation that Intelliloan had everything and we were good to go. By the end of the day I rec 'd an email stating my loan had been started. 

On Thurs XX/XX/XXXX I rec 'd an email stating that I had not submitted paperwork. I let XXXX know that, as they indicated, they sent the package out XXXX Mon, I didn't receive it until Wed XX/XX/XXXX. The package came Wed evening, my wife was out of town until Thurs night. We stayed up late Thurs night in order to complete the paperwork and scan before Friday XXXX. Friday XXXX we shipped the paperwork back and uploaded the docs into their portal, as well as email them directly to XXXX. 

From there I would check in with XXXX XXXX XXXX XXXX periodically and was told everything was ok. Except I got an email from XXXX on XX/XX/XXXX, which is now 9 days after I thought the loan started, stating there was missing documents. I provided a screen shot to XXXX to show the docs were there. 

Anytime there was a request for information, the information was immediately furnished so there would be no reason for any delays in funding. 

On Thursday XX/XX/XXXX I called expecting the loan to close in a couple days and wanted confirmation of such. Instead, I was told that there was no loan. The rate was never locked in. When I pushed XXXX said he could go back and give me a rate that would have been available around middle of XXXX, higher than the rate I locked in. After many phone calls with XXXX and he would check with his boss, check his emails, ect, all he would offer is the same thing, the middle of XXXX rate. 

I had to jump to another lender and start the process again. And with focus on that I put off writing this review with the intent to warn or help others with this company. I've learned that some companies have a practice of not locking in the loan when they should, and they gamble that the rates will go lower. So if you lock in a 3.0 % rate on Monday, the company may want until Wed to see if the rate comes down. If Wed the rate is 2.8 % they're not going to tell you, instead they will sell you a rate of 3 % while they pay 2.8 %, increasing their profits. With no proof I can only speculate that's what Intelliloan did. 

As I'm writing this I realize there's at least one complaint on XXXX for the same date XXXX with the same issue, the runaround until the loan doesn't happen. 

Please be warned and be careful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX has valid my rights Account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Checking or savings account

Please see complaint # XXXX. 

Wells Fargo 's response was to tell me that I " did not have authority to act on XXXX 's behalf ''. HOWEVER, I included the XXXX and Letters of XXXX that grant me that authority in the complaint itself. Were these forwarded to Wells Fargo?. 
How can this complaint be closed when they have NOT responded to the core issue? 
Please attach all information from the above referenced complaint and open a new complaint ( or re-open the old one ). Someone has to hold these banks accountable for their inactions which are costing seniors billions of dollars every year. 

Respectfully, XXXX XXXX XXXX for XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Purchase Agreement and Removal from Credit Report Portfolio Recovery Associates , LLC, I am writing to formally request the purchase agreement for the debt referenced above, as well as any supporting documentation related to the alleged debt. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, I have the right to request and review documents to verify the accuracy and completeness of any information being reported to the credit bureaus, particularly regarding accounts in collections. Specifically, I request that you provide the original purchase agreement or contract that governs the transfer of the alleged debt from the original creditor to Portfolio Recovery Associates , LLC. 
Additionally, as per Regulation F of the FDCPA, debt collectors are required to provide adequate documentation and proof of the debt being collected. If Portfolio Recovery Associates , LLC is unable to supply the requested purchase agreement or any relevant documentation proving the validity of this debt, I hereby request that you remove this account from my credit report under the provisions of the FCRA. According to XXXX XXXX of the FCRA, if you fail to verify or substantiate the debt within the required timeframe, you must delete the account from my credit history. 
Please note that your failure to comply with these requirements within XXXX  days will result in my formal request for the removal of this account from my credit report. 
I would appreciate your timely response, as required by law. If additional documentation or clarification is needed, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Complaint Regarding XXXX XXXX XXXX XXXX - Account : XXXX Date Closed : XX/XX/year>XXXX  Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against the Credit Buraus for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than seven years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than seven years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than seven years.

1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than seven years.

Despite this, the credit reporting agency has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT
Product: Debt collection

o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX
Product: Credit card

I am writing to file a formal complaint regarding the mismanagement of my Kohl 's Credit Card account. Despite completing the online application process and receiving approval, my experience has been fraught with significant issues. 

Upon approval, I received a digital card with incomplete identifying information and have not received any subsequent statements or notifications. This lack of communication has left me in the dark regarding my account status. 

To compound matters, upon logging into my account, I was startled to discover a payment due in just two days. This unexpected demand for payment, coupled with the absence of prior notifications or statements, has put me in a challenging position. 

Despite my repeated attempts to contact Kohl 's customer service for assistance, I have been unable to reach a representative to address these urgent concerns. 

I am deeply troubled by the lack of transparency and communication regarding my account status, and I urgently request your intervention to rectify this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Debt collection

I wrote to Law office of XXXX XXXX, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at Synchrony Bank for the same ( original bills ) no return calls or letter. XXXX XXXX has stated in a letter that Synchrony Bank is their client, however, Synchrony bank is not involved and does not own the acct. since it been sold to XXXX?? 

Also XXXX office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If Synchrony Bank is his clients, let them pay his fees ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from Discover SL in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on Discover SL account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
Product: Checking or savings account

On XXXX XXXX, XXXX  I noticed my bank account with Bank of America being closed without any notice. I spoke to fraud department & they advised to get in contact with a department that needs to speak to me but I have received no information about this. Also I had funds ( {$200.00} ) in this account that I can not access now.
Product: Debt collection

Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Transunion regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.
Product: Money transfer, virtual currency, or money service

My single Member XXXXXXXX XXXX XXXX XXXX   recently invoiced XXXX $ XXXX ( XXXX XXXX ) for the sale of Intellectual Property. The invoice was generated and submitted, and payment received all within the PayPal platform. According to the PayPal interface payment was received on XX/XX/20 ( Transaction ID : XXXX ) and I was subsequently told by a live PayPal representative that availability of the funds was subject to a 21-day hold due the amount of the payment. As indicated in the attached transaction report from PayPal the amount of the transaction is incorrectly reflected as {$1.00}, which PayPay must definitively verify and substantiate and correct. Confusion may have been caused by the fact that subsequent to submitting the invoice to XXXX I offered them the option of purchasing additional Intellectual Property for substantially more so the Payment may have been $ XXXX XXXX XXXX XXXX ). So in summary, I have been without access to my funds now for over XXXX because of PayPals inability to verify a payment amount and deposit it correctly, I other words do their job. I have also requested PayPal by email to restrict all non-debit-card Debit transactions on the account until such time that I am able to meet with them in person to positively verify identity biometrically and agree upon debit procedures. Hopefully they are able to at least correctly address the debit restriction.
Product: Money transfer, virtual currency, or money service

Im filling this 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 fail to take timely and effective measures to prevent an address fraud on their platform was leaving my account, vulnerable and unprotected. Furthermore 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: Student loan

On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.
Product: Credit reporting or other personal consumer reports

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit XXXX XXXX XXXX this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized XXXX of XXXX XXXX, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Money transfer, virtual currency, or money service

Cashapp continually and unnecessarily hold your money after the company has released the back usually with hotels or rental cars. When they have a hold for extra in case you damage the room or the vehicle am I sent proof that all the money has been released any transactions been completed Im going on the 15 day that theyre still holding a transaction is pending a CONTACT XXXX XXXX XXXX times. They said they released that on the XXXX. I do believe the cash app is doing this if they can make money on our money like extra interest but that money sitting in their accounts instead of return it to the customer like they should and then when you try to contact them, they purposely tell you they will not speak to you that theyve had. They said all they had to say to you and they just like shut you off they will not return phone calls you can not reach anybody by phone. You just get some weird one person message like its in some guys house. This is ridiculous and this needs to be governed more because they are taking advantage of people I have proof from the hotel that money was released on the XXXX now I used another card with that hotel for so I travel out for work and my money goes back on the next day with cash app. They take 14 days to give it back sometimes longer and then they shut you down and they wont answer your questions anymore or even call you because you cant get through on your phone and theyll just ignore you like what are you gon na do theres some virtual company and I think theres some doubt overseas so they dont even understand what youre saying half the Time somebody needs to look into this Im taking this to the news there was three charges made for one stay by the night auditor that was new and one was completed for that night and one I was able to get cash out the release and this one theyre still holding since the XXXX youll see the documentation down below it was only holes and they were released so they shouldnt be still pending and they telling me to dispute it so they can hold my money for another 45 days