23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony continues to report fraudulent debts in my name. A JCpenny and Old Navy accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to Synchrony debt collectors back in XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.
Product: Mortgage

On XXXX XXXX, XX/XX/2015 I sent a letter informing Fifth Third Bank not to process my payments. electronically anymore. This letter was sent certified mail and I had the receipt from where I sent the letter certified mail on XXXX XXXX, XX/XX/2015 My receipt shows that Fifth Third Bank received and signed for the mail on XXXX XXXXXX/XX/2015. In that same letter I enclosed my mortgage payment for the month of XXXX in the amount of {$1700.00}. Fifth Third Bank cashed that check on XX/XX/2015 it cleared my account. On XXXX XXXX, XX/XX/2015, which is more than 3 business days after they received my letter, Fifth Third Bank tried to make an electronic transfer in the amount {$1700.00} which is also an incorrect amount for my mortgage payment. This is clearly a violation of the Electronic Funds Transfer Act 12 CFR 1005.10 ( c ) ( 1 ) Consumer 's Right to Stop Payment. This states that " A consumer may stop payment of preauthorized EFT ( electronic funds transfer ) from the consumer 's account by notifying the financial institution orally or in writing at least 3 business days before the scheduled date of transfer ''. As a result of Fifth Third Bank trying to complete an EFT for an amount to cover my mortgage which had already been paid, I was charged {$30.00} from my bank with who I hold my checking account ( XXXX Bank ) for insufficient funds. Now Fifth Third is calling me and trying to collect additional money as well because the check did not clear. I have called and talked with several representatives who are either refusing to help ( just trying to collect more money XXXX or saying they can not help. I have explained to them that my mortgage payment for XXXX is not due yet and XXXX representative was saying the EFT that they tried to process was for the XXXX payment. I have explained to them I will continue to pay my mortgage monthly but by check and I will no longer use EFT. Fifth Third Bank should also have to reimburse me {$30.00} to make me whole as a result of my insufficient funds charge with XXXX due to them violating Federal Regulation regarding the Electronic Funds Transfer Act. I have copies of the letter mailed, as well as the certified mail receipt PS Form XXXX, Domestic Return Receipt if they need to be provided.
Product: Debt collection

This is my 2nd complaint about XXXX. Between XX/XX/2018 and XX/XX/2018 I received 31 recorded calls from half a dozen different phone numbers with caller ID " XXXX. '' This time a recording says something about my alleged XXXX XXXX credit card. I DO NOT have such a card and I DO NOT owe anything on any other card. 

Earlier this year XXXX called me up to 3 times a day with a recorded message about an alleged debt incurred by someone named XXXX XXXX. That is NOT my name and I AM NOT that person. XXXX 's recorded message said to press " XXXX '' if I was not that person. I pressed XXXX several times, but XXXX kept calling. At the time I filed a complaint on the Gov. Do Not Call site. Incredibly, the phone calls stopped after that! Now, after a pause of several months, the calls have resumed. I am being harassed by this company.
Product: Credit card or prepaid card

After reviewing the account statements I discovered that credit that was applied on XX/XX/2018 for XXXX was reapplied XX/XX/2018 as a charge or a balance transfer. This amount was the charges for the card I had not received and the charges that were not recognized when I had gone to the branch and spoke to the teller that in fact treated me in a very poor manner. There was also a late fee that was charged in XX/XX/XXXX for XXXX and I do not understand how that was done as I have no late payments and Wells Fargo is the only account that has reported this error. So the amount that was in dispute was just reapplied as a balance transfer?? That seems to be unfair and as time has gone by there has been no letter to state the charges were going to be reapplied. Then there was several ( BANK REVERSE CREDITS ) that were not clear as to the reason for the adjustment. I would like to have this issue looked over because I think that doing business with Wells Fargo has become a real problem and that I believe that the balance for the account is far less than THEY have indicated.
Product: Debt collection

Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I requested information on my loans. I noticed my loans went up from XXXX  to XXXX. I took a voluntary forbearance they call it from XX/XX/18-XX/XX/18. I took this because of financial hardship. They wrote back telling me increase from XXXX-XXXX was interest charged. So during my forbearance time they added XXXX in interest to my principal. I already can't pay what I owed with interest and they add on almost 4K!!! This is absolutely wrong. How will I ever pay these back with constant increase? Even before it jumped up, my loans were not going down and I pay every month.
Product: Credit reporting or other personal consumer reports

I have been dealing with these fraudulent accounts for years, yet they still appear on XXXX of my credit bureaus. The following are the multiple fraudulent accounts listed on my credit report : XXXX. XXXX- {$3600.00} XXXX. XXXX- {$3500.00} XXXX. XXXX- {$2200.00} XXXX. XXXX- {$2200.00} I have been diligently working to address and resolve the inaccuracies on my credit report, particularly with regard to the ( XXXX ) fraudulent accounts opened under my name by XXXX. Despite my efforts, I have encountered challenges in settling this matter with the loan company. Each time I reach out, I am informed that a case has been submitted and that I will be contacted. However, I have yet to receive any follow-up or resolution from them. This has been a frustrating and ongoing issue for me. 

I have disputed these accounts with all the credit bureaus. XXXX removed the fraudulent accounts. However, TransUnion and XXXX have not taken action to remove the fraudulent accounts from my credit report. Despite my continued efforts to rectify this situation, these accounts persist on my credit reports. This ongoing issue is hindering our ability to purchase a home, as I am being wrongfully held accountable for debts that are not mine. 

I am at a loss for what steps to take next and am feeling frustrated by the lack of progress in resolving this matter. 

I want to clarify that I have never signed or agreed to open these accounts with XXXX. Despite my repeated requests, the loan company has failed to provide any documents proving that I authorized or agreed to these accounts. This is because such documents do not exist, as I have never consented to these accounts and they are indeed fraudulent. 

My continued efforts to resolve this issue have been met with delays and lack of cooperation from the loan company, which is preventing me from clearing my name and moving forward with purchasing a home. 

I am hopeful that you can provide me with some assistance regarding this issue, as I am feeling quite overwhelmed and unsure of how to proceed. Your help would be greatly appreciated, and I am grateful for all that you do. Thank you.
Product: Credit card

I sent a check in the amount of {$1300.00} to CARECREDIT to pay off the {$1300.00} balance. CARECREDIT claimed they didnt receive the payment, so I filed a dispute on XX/XX/2024 and faxed them a copy of the check stub. ( see attached A ) CARECREDIT made a balance adjustment on XX/XX/2024 and sent me a letter stating again they didnt receive my payment. ( see attached B ) I requested a Check Inquiry Summary and it shows that they received the check and it was cashed. ( see attached C )
Product: Checking or savings account

I have had an account with Chime for over 3 years. 

I initially opened it with {$200.00}, which was transferred from my then XXXX  XXXX XXXX account. I pulled up the Chime app this evening and noticed my account with Chime had been closed. 

I called Chime, the lady reopened my account and when I logged in my account was XXXX  out and had a XXXX balance. 
She explained to me that I needed to go to XXXX XXXX XXXX to locate my funds. After being on the phone with her for almost an hour she hung up on me while transferring me. I called back was on the line again for an extended period of time in which the jerk kicked me to someones voicemail. I called back again and got the run around, again getting hung up on. 

I called back a fourth time and demanded to speak to another supervisor. Please note the account that I initially used to set up the transfer with XXXX  XXXX XXXX has been closed and I never used it and solely use XXXX XXXX  for all of my banking needs. 

When I pulled up my XX/XX/year> statement from Chime, it shows an adjustment made on XX/XX/year> for {$200.00} and then my account was closed. The lady I was speaking to claims XXXX  XXXX XXXX took the money and they no longer have my money. Shes claiming XXXX  XXXX XXXX ( which that account is closed and no longer active ) did a forced adjustment and took the money. This is 100 % impossible and fraud on Chimes part. I am livid, what can be done? I am beyond furious, they are frauds, they are thieves and from what I am reading about Chime this is all too often the case. Chime has a history of stealing individuals monies and doing people dirty. 

Please advise if there is anything that we can do. I know its not a lot but its the principle, its fraud and stealing. 

Thank you in advance, I can be reached via email, Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and Self Lender were all made on time and debited from my account so there is no reason why these accounts should be reported as late. 




Thanks
Product: Mortgage

- I applied for a mortgage at TD Bank. 
- I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. 
- I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. 
- I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. 
- I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. 
- A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. 
- We inquired about next steps and then they told us our loan rate was now 5 % interest rate. 
- I believe this is a classic case of bait and switch.
Product: Credit reporting or other personal consumer reports

I had XXXX accounts with XXXX XXXX XXXX and XXXX of them had credit protection. When the pandemic hit, I was unable to work and started a credit protection claim and submitted my documentation. My claim was approved and they started to make my minimum payments for me. After about XXXX months, they stopped paying the account and started reporting my account as delinquent. I finally got a notice from them requesting more information to continue the claim which I submitted. I asked them to remove the missed payments and to continue my claim and they told me that they never received the information I sent to them. I asked them for a payoff statement and paid them in full for that account. They told me that if I would like to keep the account, they would have to change my account number and start a new account which I should have never accepted as they didn't report the old account as paid and left it with the full balance and reported it as closed by them and that it was past due. So now my credit report shows that I had XXXX accounts with them when I have really only had XXXX accounts. I talked to someone from XXXX and they said they would fix the issue, but they never have. I filed disputes with the XXXX credit Bureaus and none have been able to get this XXXX percent fixed. I feel that they have not only been deceptive in the reporting of my accounts, but have done numerous things that show that they are untrustworthy and utilize deceptive and unfair tactics to increase the amount of money they can squeeze out of their customers. XXXX example is opening an additional account when I requested a credit line increase. They have applied my XXXX payments to XXXX account instead of XXXX to each account in order to charge very high late fees. The fees on my accounts were twice as much as the interest on the accounts consistently year after year. With an interest rate of over XXXX %, they were getting almost XXXX % from me each each year between interest and fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX, XXXX Credit XXXX XXXX XXXX Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, i opened an savings account with Capital one. At the time of opening the account i was required to upload a picture of my ID to get the account open. I did that and the account was open. The account had been fine and in good status until on XX/XX/XXXX, i deposited a check for {$3400.00}. After the deposited was complete and successful, Capital one restricted my account. Once i called Capital One, they told me that i needed to upload a picture of my ID again to verify myself. I asked why when i just did that i was told that when my account was open, they were never able to verify me in the first place which was lie because i wouldn't have been able to open the account with being verified.
Product: Debt collection

I took out a high interest rate loan with the company XXXX XXXX in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from World Finance   claiming they purchased the contracts from XXXX  XXXX and I owed the debt to them. World Finance had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my XXXX XXXX accounts. 
I finally wanted World Finance to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed World Finance that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with XXXX. It appears to me from the language in that contract that my debt from XXXX XXXX was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them.

( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from XXXX XXXX as none of the correspondence from World FinancXXXX has an account number listed. )
Product: Mortgage

I filed for a trial repayment plan and they placed this on my credit report.
Product: Credit card

Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding a recent data breach involving Cash App, a financial services platform operated by Block , Inc. ( formerly Square ). I am concerned about the unauthorized exposure of sensitive financial data, which I believe violates various consumer protection laws. I recently became aware of a data breach involving Cash App, where sensitive user data, including account details, transaction history, and potentially other personal information, was exposed. This breach raises serious concerns about Cash App 's ability to protect users ' private financial information. Under the FTC Act, it is prohibited for companies to engage in unfair or deceptive practices that harm consumers. The failure to protect user data, leading to a breach, may be considered an unfair practice that could have harmed consumers financially and emotionally. his federal law requires financial institutions, including companies like Cash App that offer financial services, to safeguard consumers nonpublic personal information. Under the GLBA, Cash App is obligated to implement adequate security measures to protect the privacy of its users. The breach of user data may suggest that Cash App failed to meet these requirements. Thank you for your attention to this important matter. I trust that the CFPB will take the necessary steps to protect consumers and hold Cash App accountable for its failure to adequately protect personal and financial data.