23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Synchrony Bank closed my always paid on time account with Amazon without warning because I had a hiccup at my bank and I was told they closed it because 2 of the payments didn't go through for a very small amount of.money and they were extra payments not payments towards the monthly bill. I tried to rectify it with a CSR and then their manager but they just gave me a curt response. They are notorious for doing this and they did it with both my Walgreens and XXXX and XXXX card in which both had XXXX balances and the full amount of available credit. 
I am peeved!!
Product: Money transfer, virtual currency, or money service

XXXX sent money two times in error. 
XXXX XXXX in the amount of {$2000.00} also XXXX XXXX in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Product: Mortgage

Due to job loss coupled with mounting medical expenses, In late XXXX, we called our servicer, XXXX XXXX XXXX XXXX, requesting for a loan modification. Based upon our estimates, we needed a {$300.00}. Reduction from our current {$2800.00}. Payment. We requested that our 6.5 % interest rate loan be modified. They stated, they could not help us apply for a loan modification unless we missed two payments. We followed their advice, called back applied and was granted a temporary loan modification of {$150.00}. Less our original mortgage amount. We were told, if we paid it on time for one year, we'd be granted a permanent modification. We were successful in doing so. After a year we applied again for a permanent solution. We were told to keep paying our temporary modification while they decided the outcome. Six months went by, we paid on time, however what we got next was not a modification but a Notice of Default. We were told that the servicer has granted us the modification, that we " fit their requirements '' but the private investor on the backend did not agree. Shocked, we sought legal council.

Lawyer said, why are you still paying them, they are foreclosing on you, a date has been set. Stop paying them! We also learned we were a MERS loan and had been robo-signed. 
We pursued a lawsuit against them based upon lawyers suggestion. When our case came to trial, unfortunately we were unaware that our lawyers law firm was being investigated for embezzlement and our lawyer was being sued for sexual-harassment charges. At the time of our case our lawyer and the firm got disbarred, and is still currently without license. 
We hired a second lawyer. Waited 2.5 years for our appeal case to come up. Our second lawyer used the first lawyers defense and did not bring up the fact the first lawyer had not represented us properly due to their legal entanglement.

All the while, past due mortgage amounts and late fees racked up to {$350000.00}. 
We had paid both lawyers money each month that was equivalent to our mortgage payment, which was over {$300000.00}. in fees. Our appeal case was lost on grounds that our legal counsel did not put forth a good argument of why our case should be heard in court and the judge dismissed our case. Upon that outcome, XXXX XXXX immediately sold our loan to Specialized Loan Servicing and we are now being foreclosed on. We asked for a reconsideration of a loan modification with a reduction of principle however we have been denied the opportunity and are now in pre-foreclosure status. 

We don't want to lose our 30 % down payment, in the amount of {$280000.00}. we had put down on our home to get into it i. XXXX. Our loan balance prior to this happening was at {$610000.00}. We now owe them over a million dollars.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.
Product: Checking or savings account

I was scammed out of XXXX by a publicly traded company on the XXXX  platform. There is an extremely complicated set of facts that I have had put together by my lawyer that illustrates my complaint. Citibank does not have a thorough investigation process as the investigator is not client facing and makes determination without understanding the facts. It is completely arbitrary that investigators cant contact the client to get a better understanding about why the dispute was filed.
Product: Debt collection

We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.
Product: Checking or savings account

In XX/XX/XXXX I withdrew funds from my 401 ( K ) and deposited them in a joint account. The funds totalling {$46000.00} were in a citibank account. I had transfered approximately {$18000.00} from the account and moved it to my personal checking. 

I received a debit card but there was a delay in the pin so when I received it and tried to activate the card but was unable to as I was blocked from the account. On XX/XX/XXXX I called customer service, they stated that there was a glitch in their system and they had closed the account, that a check with the remaining funds would be mailed to me. I explained I needed the funds ASAP and the agent said he would request for the check to be expedited and I would receive it within 3-5 days. I called again on XX/XX/XXXX and an agent stated the account had been closed and a check was mailed on XX/XX/XXXX. To expect it by no later than XX/XX/XXXX. I called today, XXXX as nothing was received and the agent ( XXXX ) said a stop was placed on the check but she was unable to provide  any reason, explanation or a date as to when I could access MY funds. I asked to speak to a supervisor ( I was on hold for 2 hours on and off ), the supervisor ( XXXX XXXX ) said I was blocked out of the account but she was unaware of the reason, that there was nothing they could do except close the account and send me a check? ( but I thought this had already been done?? ) she said that was not her department and she would transfer me to the manager on new accounts ( XXXX ). XXXX was extremely rude, raised his voice and offered no solution or accountability. He said the only thing he could do was send an email and that I would hopefully have my money in 10 days. 

I work for the XXXX XXXX XXXX XXXX XXXX XXXX. I am worried about people that dont know their rights or the laws pertaining to their accounts. This is completely unnaceptable. Everyone I spoke to had no sense of accountability, no solution and awful customer service. I am talking about {$30000.00} gone with the wind. I have no idea where my money is or when I will get a hold of it again.
Product: Credit reporting or other personal consumer reports

I am filing this dispute because my credit report has fraudulent ( charges, bank finance and, credit accounts, car loans, personal loans and abused derogatory accounts. I am requesting that these charges be removed of my credit report, that any other charges and inaccurate information related to the fraudulent accounts credited to my credit account and that I receive a corrected statement. 

Enclosed are copies of ( FTC Report Identity Affidavit, Police Report, Letter ) supporting my position. Please investigate this matter and correct the fraudulent information as soon as possible. 

In addition, pursuant to FACTA, as a victim of identity theft I am requesting that we get the items removed I reached out to a few and still have more to go I reached to a few accounts since the year XXXX and this is what i taken action now seeing al this on my credit some things where told to me by some companies it would be removed and it hasn't. 

XX/XX/XXXX {$570.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$390.00} {$110.00} XX/XX/XXXX {$22000.00} {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This collection account is not mine. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill. 

I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!
Product: Debt collection

Hello there, There is a fraud debt collection goin on my account. i havent applied to XXXX XXXX nor having i sign anything. There is a police report involve of identity theft .. Also there I was staying at an place at the time so there wasnt any need of applying
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violate 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.
Product: Debt collection

I found the letter where it fell behind my desk and was surprised to see it was from an attorney. And that PORTFOLIO RECOVERY ASSOCIATES was who he was representing. But all it stated was the amount no other detail. It had been over 30 days so they wouldn't validate it and i didn't want i didn't want to risk restaring the timer on and statues of limitations. So I started looking for something that matched it i went and started looking through every old credit report i could find and never found anything that matched it. Could not find anything that matched the amount or the last 4 account number they gave. So i started researching portfolio recovery to try and find their contact info and seen a lot of the complaints against them. So i reread the letter and kept researching and realized that even though it stated authority for their client but all the way at the bottom never noticed before but it says this communications is from a debt collector .... ok so then XXXX XXXX XXXX owned but they were attorney 's so i looked them up and couldn't find them in Arkansas i searched the list of who i assumed were attorney 's and searched all attorney 's offices in XXXX XXXX. No luck so i did more research because something was wrong i didn't show their collections couldn't find anything matching it in my history. Now i wasn't sure who owned or who sent the letter. Couldn't find the attorney 's and given how they word it like they were attorney 's but state that they were debt collectors meaning they weren't attorney 's i don't think anyway I'm still confused on that part but i started reading all the attorney letter head and noticed where it said licensed in Missouri .... So the law office in Arkansas is licensed in Missouri? So they were attorney 's and not a debt collector? So started looking there but still no luck. But eventually i found my way here and hopefully some help. I'm not sure if they took legal action or not and still waiting for them to report to a credit report company. I have seen they have been ( they being portfolio recovery associates ) making soft inquiries but i just noticed the letter never actually says their client is portfolio recovery associates they are just referred to as re in the address area above my name. So i am not sure if it is portfolio recovery associates or XXXX XXXX XXXX or mystery client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus such as Experian, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX was opened fraudulent. XXXX XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX  XXXX XXXX ( XXXX ) XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received my request through XXXX XXXX on XX/XX/XXXX andI was informed that TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. I was told that when the investigation is completed, they ( Transunion / XXXX XXXX ) will provide me with a response and/or a copy of my updated credit report to notify me of the results. 

File Number : XXXX. 
Dispute : XXXX XXXX XXXX - Reported on XX/XX/XXXX - {$9300.00} Dispute Reason : Accuracy : The contract related to this account has been cancelled. 

I have not recieved a response from Transunion. I filed a complaint with XXXX XXXX on XX/XX/XXXX via email. This dispute is nearing 1 year old.
Product: Debt collection

In XXXX my car loan from Capital One was paid off but yet they continue to try to collect on a paid account which also closed. The account was originally opened in XXXX. The account was settled in XXXX. My credit report was updated then around 3 years ago it was reported. The vehicle was paid off, the vehicle was been sold and leased to someone else. The vehicle or any debt related to it is not responsibility. They are reporting on my credit as if my payments are late each month as of XXXX. Capital one has been maliciously doing this for years.
Product: Credit reporting or other personal consumer reports

Experian Consumer Solutions, has illegally acted against the consumer and violated many laws, instead of addressing complaint XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against TRANSUNION regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt responseXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have unauthorized transactions on my bank account that was made through PayPal, while I was away my PayPal account have been hacked with someone making unauthorized transactions to different merchants. This was reported to my bank and PayPal on about XX/XX/XXXX transactions from five different merchants have been ordered however I never got merchandise or was any merchandise left at my home front. No one signed for any packages that was delivered to my house so I told PayPal about my account they opened claimed and sent to me tracking from the merchant but no signature just said delivered left on steps. However no one was home my neighbor kids said they didnt see anything items my regular mail was still in my mailbox but no packages were there. If I didnt sign for no delivery Im not responsible for the items.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I sent many dispute letters to request to the reporting company to delete inquiries that was not authorized by me that i don't recognize them. but they did not delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX