23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XX/XX/2017 I filed an online request with Innovis Event # XXXX ( Proof of Address copy attached pg2 ) requested a free annual credit report. I never received the report. 
On XX/XX/2017 I called Innovis ' toll free line from a number they have in my credit file. I informed the CSR ( XXXX or XXXX ) that I had not received my report. We determined that it was not forwarded from my Arizona address to my Colorado address. He told me that they could only send the report to a verified address and said I could send a PO Box receipt for the new address by fax to Innovis with the event number. 
On XX/XX/2017 I sent a copy of my USPS box renewal notice with my name and current PO Box number to Innovis via fax. I also included a copy an envelope from my insurance company showing my name and the previous AZ address being forwarded to my current PO Box ( see Proof of Address - pg1 ). 
On XX/XX/2017 I received an unsigned letter from Innovis ( " Innovis Letter '' attached ) acknowledging that Innovis had received my fax of Proof of Address but required XXXX " of the acceptable forms of proof documentation reflecting your current mailing address ''. XXXX of the documents options that the Letter lists is a " Post Office Box Receipt ''. Since I already sent the official renewal invoice from my new PO Box , I have already verified the address as mine. 
It is unclear why Innovis believes that the US Post Office can not be trusted to properly vet persons that forward mail. I have not found that to be the case. In fact other major credit reporting agencies have not restricted forwarding of my credit report by the US Post Office to the same PO Box I have verified for Innovis. There is no justification for further delays in delivering my credit report to my verified mail address.
Product: Debt collection

Over the past few months I have been receiving calls from various numbers, including from ( XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and from ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX. They are robo-calls claiming to be from iQuantified Management Services and they claim to be a debt collector. I do not have any unpaid debts so I do not know why they keep calling me. They claim I need to call the number ( XXXX ) XXXX. I checked the website of this company and I don't see that number listed as belonging to them, but I have seen that number described by others on the internet claiming it is a scam number.
Product: Debt collection

About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXX way XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of Portfolio Recovery AssociatesLLC and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used Zelle through my online bank, XXXX, to send two amounts {$250.00} and {$750.00} to XXXX XXXX XXXX XXXX. When I set up this transfer account I inadvertently used an incorrect cell phone number of XXXX instead of XXXX. When XXXX XXXX  alerted me that she had not received the funds I contacted the bank, corrected the phone number and sent the funds. XXXX assured me the incorrect transfer would be corrected and the funds put back in my account. That never happened, they had me file an unauthorized debit card activity claim which was denied by Zelle. I then sent an email to Zelle explaining the cc problem. They did not respond. I researched the incorrect phone number got a name, XXXX XXXX, an address, XXXX XXXX XXXX XXXX CO XXXX, and used XXXX to see his XXXX XXXX dollar home.
Product: Checking or savings account

A few unauthorized transaction were made on my account I reported them I was asked questions I answered what I could one question I was asked was about me having my card I responded yes I think so idk for sure cause I am not home to check to see if my card was at my home finish the process when I got back home I checked for my card and it was not in my room I waited for the response and they closed my claim and said they will not be returning the money to my account I have proof that on the day of one of the charges was made I was at work from XXXX XXXX my job is XXXX min away from where I live I leave my home at XXXX to get to my job by XXXX I work at XXXX the earliest we clock in is XXXX the transaction on the date I was working was made at XXXX it was not done by me I was at work and I wasn't sent no link to show any proof I had proving the transactions I was disputing were not me a lot of them were also charges made to XXXX I can show you statements from all my accounts I do use showing I do not make any XXXX transactions what ever XXXX account was used it was not mine I can prove all the transactions are fraud and I would like to get my money replaced and reopen my account I had that account with chime for years I just started using for personal reasons but I've had it open since 2018 I used that account for any time I needed to provide banking information
Product: Debt collection

Central Credit Services has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX
Product: Mortgage

XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney XXXX & XXXX XXXX
Product: Mortgage

I applied for a refinance with Amerisave on XX/XX/22. I talked to XXXX XXXX and told I'd like to get a HELOC loan so I could do some work on my house. He was pushing a refinance with a XXXX loan lowering my % rate from 7.75 % to 5.25 %. I wanted {$25000.00}. loan. In the process he wanted me to bump my home insurance to {$70000.00}. which would cost me another {$650.00}. to get it to that amount. Which I don't have. I got a bill from home insurance to pay {$650.00} to be paid by XX/XX/22 and he changed the lienholder to Amerisave but I haven't had an appraisal or approved for the loan! So I called insurance company and told them to put it back the way it was and remove them as lienholder. I also sent XXXX two cease and desits emails. This would have cost way more than I can afford being XXXX XXXX XXXX XXXX
Product: Credit card

Hello, This is about a Synchrony XXXX card. I payed my bill on time and received a confirmation email that I had payed XXXX dollars to the account on XXXX. It apparently never went through and used the wrong account number. I called them and explained that I was unaware of this and they refused to wave the late fee. I went ahead and payed the card off after trying to resolve this issue. When I went to pay, all of my saved accounts to pay with were gone. Seems suspicious to me. I dont feel like this was handled appropriately and feel like a victim here.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX Higher level processing has been taking {$20.00} each month for payments that were supposed to be going to XXXX XXXX XXXX, saying that it was going to be going towards my loan forgiveness but that I'd be paying XXXX because of my financial difficulties. They took fees of XXXX out of my bank account from the months XX/XX/XXXX. They said the processing fee was {$590.00} and the monthly maintenance fee was {$19.00}. The " advisor 's '' name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX sent Equifax an Identity thief report XX/XX/21 ( Check attachment ) sharing with them the exact accounts that were effected by fraud and letting them know these accounts are involved in litigation.
Product: Credit card or prepaid card

I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .
Product: Debt collection

On XX/XX/2022 I sent a document to Portfolio Recovery requesting proof that they had verified several accounts on my credit report prior to reporting the information. Previously, I have sent additional letters requesting this data, which they have not provided. 

Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately. 

Please direct Portfolio to promptly remove the unverified items from my credit report until they can verify their legitimacy. 

I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. 

Thank you very much for your help.
Product: Student loan

I have been enrolled in a degree program at XXXX since XXXX. I am expected to be enrolled until XXXX. At first my loans were with Great Lakes, and were transferred to Nelnet sometime during covid. When the covid repayment pause was lifted and repayments began in late XXXX, I didn't worry about it at all because, as I said, I have been and will continue to be enrolled in school, and when that is the case your payments get deferred. 
I checked my account status in late XXXX, around XXXX I believe, and I have all these notifications about my account being past due, despite being enrolled in school. Mind you I didn't check it sooner and was never worried about it because, again, I was enrolled in school and should have never had a payment due. I figured there must have been an oversight or a glitch when restarting the payments since covid, and after being on hold with them on the phone for well over an hour I decided to use their email service. I also was in touch with my school during this time to have it worked out. 
Several weeks later I see my account was updated, I get notices that my school deferment was " approved '' ( it should have never stopped ), and that I won't owe anything until XX/XX/XXXX. I figure that's the end of that. 
For the last 2 weeks or so I've been getting spam calls from debt collectors, even though I shouldn't have any delinquent accounts. Today I check my credit score, and it has dropped over XXXX points due to missed payments from these loans, payments that I should have never had due to being a student. This oversight is affecting my day to day, my spam calls, and now my financial health. I have bad marks on my credit and now a " poor '' credit score due to Nelnet 's oversight.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

We were scammed by a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. They offered to help us avoid foreclosure for a {$200.00} start-up fee plus a {$1400.00} overall fee for their services. Although we paid all fees they asked of us, we later realized they did nothing to help us catch up or get our mortgage amount reduced. After awhile, they would not answer their phone. Later in XX/XX/XXXX, XXXX XXXX XXXX bought our mortgage. Initially, they stated our mortgage balance was {$190000.00}. Because of XXXX XXXX 's non-help, we asked Green Tree for help so we could get current with our mortgage. Green Tree refused to help, sent threatening letters, did not communicate with all representatives within their company, made harassing phone calls to us, and insisted we pay a larger than usual amount for our mortgage payment. We paid mortgage amounts of {$2200.00} because of one rep., {$1700.00} because of what another rep. stated we needed to do, and other amounts because Green Tree could not give us consistent amounts we needed to pay. Overall, we paid {$50000.00} to Green Tree and yet, they still listed our balance as {$240000.00} as if we paid nothing at all the whole time they held our mortgage.
Product: Debt collection

XXXX Attempt : I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. I firmly believe that these accounts are unjustly defamation to my character and jeopardizing my financial livelihood. What concerns me is that LVNV Funding LLC possesses my personal information without my consent or authorization from XXXX XXXX I did not grant XXXX XXXX permission to disclose my personal information to LVNV Funding LLC. I insist that all communication from your organization cease immediately, unless it is to discuss a remedy for the violations committed. It is crucial to emphasize that LVNV Funding, as an unauthorized third party, has no legal right to access or share my personal information. I kindly request the immediate removal of the listed accounts below : 1 ) LVNV FUNDING LLC/Original creditor : XXXX XXXX Account Number XXXX balance {$5500.00}. In accordance with section 605B of the Fair Credit Reporting Act. I request that you conduct a thorough re-investigation of this account and provide me with the following information to validate the debt : 1. A copy of the original signed contract or agreement between myself and the original creditor. 2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied. 3. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor in the STATE of GEORGIA. 4. Proof that I have a contract with LVNV FUNDING LLC bearing my signature... .I am not liable for the debt with XXXX XXXX. I do not have a contract with Lvnv Funding LLC. When I requested they provide me with original contract, they did not provide one. I have been subjected to harassment ( per 1692 d ) through mail, emails, and phone calls per ( 1692 d ( 5 ), and a sheriff has even been dispatched to my address to serve court papers for debt that is not mines. As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this disputed debt until its validity is confirmed. The actions of XXXX XXXX  and LVNV FUNDING LLC are in violation of consumer protection laws, specifically the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit card or prepaid card

Synchrony Mastercard through Sam 's Club XX/XX/2020 XXXX XXXX/ Business Card XXXX XXXX Fraudulent charges for XXXX XXXX in XXXX , Hi. For {$730.00} and finance/late fee add up to {$370.00} as of todays date. Plus no credit for a returned laptop 3 days after purchase in the amount of {$640.00}, No credit adjustment has been made. 
I called the card immediately upon receipt, and put in a fraud claim, I was assured that it would be taken care of, and they suggested I cancel my card and get a new card with a different number. I did, and Synchrony applied the old charges to the new card. I called again, they put me on hold several times, and assured me again that adjustments to my account would be made. The bill arrives again, and no changes or credits have been made. I should have a XXXX balance. This was my 10th call. 
I called again today, with no results, and hung up on after being on hold for an hour. 
The fraud department, even when I asked for a supervisor, was not willing to help. I got the same answer, that they would have to Investigate. Synchrony bill collectors, are now calling twice a day, harassing me for payment.
Product: Credit card

On XX/XX/2024, Citi Costco told us ( by e-mail ) that it shipped the following renewal cards to replace the ones expiring in XXXX 2024 : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX cancelled/stopped XXXX XXXX XXXX XXXX for XXXX XXXX XXXX cancelled/stopped WE DID NOT RECEIVE THE CARDS. Instead, Citi Costco sent us some notifications on XXXX XXXX 2024 that some suspicious activities were detected on both credit cards. Maybe four or more charges made on XX/XX/XXXX were DECLINED. Unfortunately, two charges went through on card ending in XXXX. One for {$22.00} ( XXXX XXXX XXXX ) and the other for {$2700.00} ( XXXX XXXX ). Another charge of {$24.00} went through on the card ending in XXXX but Costco credited my account for it. 

Since after XX/XX/XXXX, I had numerous back and forth communications with Citi Costco. I was asked the same questions over and over again. Despite these time and efforts, on a letter dated XX/XX/2024 and titled CONCLUSION OF INVESTIGATION, Citi Costco said it can not resolve the matter in my favor because I did not provide the required information. I am sure they have all the records of my calls contesting the charges.

For further reference, the credit cards in our possession right now are ending in XXXX and XXXX. And I attached a copy of the Police Report for the card ending XXXX and the fraudulent charges made on XX/XX/ 2024.
Product: Money transfer, virtual currency, or money service

Dear CFPB Team, I need your help on this matter, has been few bad days for me waiting for coinbase to resolve my issue and I have bad customer service and no support. I bought some litecoin on XX/XX/XXXX and they charged my credit card twice for the amount of {$580.00} us dollars, since my credit card was charged twice the my bank did a reversal and reject the two payments. Then I tried to login back into my coinbase account and they ask me for the payment of {$580.00}, I submitted the payment using my personal checking account and they took the money from my account so they said it is paid already few days ago, they reply me back after several calls and emails saying that they received my payment but my account should remain locked until an specialist review it, its been few days and this remain as it is, I called several times and they told me the same thing, I email then too and they replied the same, I am attaching the case history, it is not fair as coinbase treat the clients. I need your help having my account unlocked and gaining access to my funds, all my funds in coinbase are in us dollars. I just called right now and they gave me the same response, over and over, they don't unlock my account. 

Thank You!