23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company has placed over 4 different accounts on my credit report that are causing extensive damage to my credit report but have yet to send proper documentation to show these accounts rightfully belong to me
Product: Mortgage

I obtained a roll to perm loan from XXXX XXXX XXXX. The construction period loan was closed on XX/XX/XXXX. Despite the construction being incomplete, XXXX XXXX XXXX   requested me to sign a loan modification known as a Roll to Perm. This loan closed on in XX/XX/XXXX. I objected to payments, which were to be made from the funds not yet disbursed from the construction loan. Nevertheless, I made payments on a time basis to XXXX XXXX XXXX   XXXX. In XX/XX/XXXX, XXXX failed and FDIC took over the banks assets. FDIC assigned the note, mortgage, etc. to XXXX XXXX. However, I have recently learned that XXXX claims to own the roll to perm loan dated XX/XX/XXXX. This makes me wonder who was receiving my monthly payments. XXXX XXXX subsequently transferred the loan to Ocwen, who then transferred the loan to XXXX, who then declared a default in the mortgage and filed a foreclosure against me. Most recently XXXX assigned the mortgage to XXXX XXXX as trustee of some trust. Long story short, no where did I receive notification of any assignment from XXXX XXXX XXXX to XXXX. Had I know XXXX was the holder or owner of my note, I would have requested the loan to be redone as I suffered major XXXX XXXX and am XXXX  ever since. Is it possible for the someone to confirm who is the holder or owner of my note.?
Product: Money transfer, virtual currency, or money service

On or about XX/XX/21 I put around {$500.00} into binance.us to buy crypto currency. I can't say the exact amount because they have deleted my history. Since then my money is being taken and I am locked out of the account. I am unable to withdraw my money. It is currently in ADA and I now only have around XXXX left. I am getting error messages saying " trading is disabled '' I have contacted the company multiple times. I have notified the SEC and the consumer finance dept. I have had opportuities to make a profit, however can't withdraw my funds.
Product: Money transfer, virtual currency, or money service

When I started receiving my SSI benefits from 2010, about XXXX $ was withdrawn from XXXX XXXXXXXX XXXX AT a ATM IN XXXX XXXX XXXX XXXXXXXX Location, at that time I was with TD bank???? Due to a lump sum from SSI benefits.
Product: Debt collection

Portfolio Recovery Assoc. is harassing & reporting inaccurate information on my credit report. This company is reporting two unverified collections on my report, one for the balance of {$2600.00} that is being stated was opened on XX/XX/2020 & another one for the balance of {$490.00} that is being stated was opened onXX/XX/XXXXXX/XX/2020.
Product: Credit card or prepaid card

I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/2014 TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Product: Vehicle loan or lease

I did application in car loan and showed up too many hard inquiries without any explanation and when I asked they blamed other banks
Product: Debt collection

In XX/XX/year> I discovered a Harris & Harris collection account # XXXX on my credit reports with XXXX and XXXX. I called and disputed the debt as the XXXX service address was not my address nor do/did I have XXXX service XXXX This item has significantly negatively impacted my credit score and I was in the process of obtaining a HELOC mortgage. In my discussion with their representative, I opted to pay the {$100.00} as being the quickest way to get this deleted from my credit reports. The representative advised me to dispute the item on the Harris & Harris website which I did. I also disputed the debt with both XXXX and XXXX. The XXXX report deleted the item but the XXXX claims Harris & Harris continues to validate the debt. I have disputed the debt again and I am about to file a small claims action against Harris & Harris for their continued reporting of this disputed debt and after their representative assured me it would be deleted if I paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I bought my home in 2005 at XXXX XXXX XXXX XXXX Georgia XXXX last name at the time XXXX, I signed the loan documents and I took out owners title insurance with XXXX XXXX XXXX XXXX. First American acquired XXXX. Last week I requested a copy of my full title insurance documents only to be told they can not locate any information for me. I have several friends who purchased with me and have the same documentation and it states XXXX XXXX XXXX XXXX. I want a copy of the title insurance.
Product: Debt collection

ADP is a payroll service company. They mistakenly overpaid my company 's State of California tax account ( with no discussion and no approval from me ), then demanded immediate reimbursement. I told them would in good faith reimburse them if and when I receive a refund from XXXX which hasn't happened yet. After XXXX months of no contact from them ( I assumed they were waiting like I was for the state of CA to send the refund ), I received a call from XXXX XXXX XXXX attempting to collect approximately {$7300.00} and threatened to damage my company 's perfect credit history. It's important to emphasize that I had no participation in ADP 's decision to make a payment to my tax account and only learned of it when I received a phone call from their collections department.
Product: Checking or savings account

I has funds taken from my account when my phone was stolen while attending a court hearing. My phone case has my debit card and ID in there. I reached out to cash app immediately to cut off my card and report it stolen when I got home from court. By the time I got home there was 4 transactions on my card. Three of the transactions were declined by my bank but two of them went thru. There were two charges that went thru for {$300.00} and {$110.00}.
Product: Checking or savings account

I spoke with bank of america back inXX/XX/XXXX for the first time I believe ( Not 100 % certain of date ) and I went to open and account and was informed I had an account with them already opened in XX/XX/XXXX orXX/XX/XXXX ( Can't recall exact year ) I informed them I have NEVER had an account with them. They informed me it was opened online and said an email was listed for me with A name of XXXX. I informed them clearly it was a fraud account. They assured me this would be corrected. They sent me A package to fill out for A fraud report. I filled it out and faxed them back. No response. Today I went into A branch to see if it was resolved and to open an account. They inform me account still shows I owe A balance. How!? I did not open this account!! I need help getting this resolved.
Product: Debt collection

XXXX : You violated the United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms FCRA 605B ( 15 U.S.C. & 1681 c-2 ) THIS IS XXXX XXXX XXXX!! THE REAL DEAL XXXX XXXX XXXX. I am SUBMITTING this ON MY OWN BEHALF because I am mu own natural self. I HAVE NO OTHER AUTHORIZED THIRD PARTY! so don't pull that stuff about this being an unauthorized third party because I know you use that as a stall tactic. I also included my social security card because I am the only person who would be able to have access that that credit card plate. so basically somebody got my information and they are out here just running up and applying for different lines of credit using all my information. FURTHERMORE This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB so you better not play around. According to FCRA 605B this information must be blocked immediately until the investigation is over and that is the LAW. If I received good and services, then I need you to please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. I can't get approved for nothing, I wan na buy a house very soon and y'all are stopping me. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. FAST!!!! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Product: Credit card or prepaid card

I received a statement from Capital One/Walmart stating that I had made charges. I do not have a Capital One/Walmart card . The statement was sent to my previous married name. I have remarred over XXXX XXXX years ago and my name has changed. The charges totaled over {$540.00} and I have since learned upon calling Capital One that the bill is over {$800.00}. I was out of town when this card was issued ; therefore, I couldn't have opened this account. The purchases were made at Walmart supercenter # XXXX in XXXX XXXX, Id. and XXXX which is cable company. 
I received a letter from XXXX who works with the Idaho Department of Health and Welfare stating that they had a Data Breach and my data could have been stolen. At the time I was on Health and Welfare with Idaho my last name was different than it is today. That was over 13 years ago.
Product: Checking or savings account

I was scammed on XXXX by someone pretending to be a haircare company. 

I paid {$620.00} for XXXX purple and neon wigs and a month later the person sent XXXX brown wigs ( which isnt what I paid for ). 

I tried getting my {$620.00} back from XXXX but they said contact Chime because thats who my card is linked to. 

XXXX concluded via chat messages that I was indeed scammed and they will place the persons name on an internal list of scammers. 

I disputed charges with chime, provided Info and proof several times yet they keep denying my claim to credit my account back the {$620.00}. 

Chime has implored tactics of sending me links to upload my proof ( multiple times ) only to say they havent received it when Ive called back this was atleast 5 times. 

Finally, once I demanded a supervisor, they suddenly found my documents and told me the proof is good and will help my case YET they still denied me although I filed a rebuttal. 

Chime doesnt protect their consumers and actually helps facilitate their consumers in getting scammed. 

I was scammed, paid my money, had proof of it being the scams yet they refuse to credit my account my {$620.00} back. This is not humane, civil or ok.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXX Balance Owed : {$630.00}
Product: Consumer Loan

I had got a car out from my mother from XXXX and which in XXXX she was not able too work and pay on the car.. So I called too see what could be done and had told me to return the car and sign a paper and also had said that is was not going to affect my credit cause it was gon na be as a volunteer return all of the payment we 're paid.he said it was gon na be a XXXX balance on my credit so it woundnt affect me.. In which XXXX XXXX I checked my credit and it dropped stating I was 90 day late on payment ...
Product: Checking or savings account

Several months ago I customer customer service to close my account, she said she would but they would need 30 days to make sure there were no pending transactions. 30 days came and went, there were no transactions and the company did not close my account. I called back again and talked to another representative, she told me the same thing and that this time it would be 15 days with no transactions for the account to close. 15 days have now came and went, no transactions and they're still not closing the account. It's just a perpetual run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Product: Debt collection

AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.
Product: Debt collection

On XX/XX/XXXX I paid XXXX XXXX which is XXXX XXXX XXXX in full to delete from my credit report. I also paid all of the XXXX XXXX on XX/XX/XXXX pay to delete. One was with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I paid XXXX XXXX who told me they could not delete from my report but they have a few payments marked as not paid and they were for those 2 months. XXXX XXXX  closed the account on my report but a collection agency bought it. XXXX says I owe XXXX because I volunteerly gave up my car to them so they came to my address and picked it up. Well the so called collection agency that took over told me that I owed XXXX why are the debts not the same? Also, I never heard from Mrs associates nor have I received anything in the mail from them I thought XXXX just closed it well I figured I would try to settle so I called XXXX to try to settle and that's when they told me Mrs owns it and so since then they have been calling me and sending letters but I have went a year or longer not even knowing Mrs had my debt. When I try to get my account number to pay what I can they will not give it to me they say that I do not want to do it that way that they will not get any of the money so they will not be able to subtract from debt. Also they told me they would not work with me unless I paid a {$1000.00} down they did not except my monthly payment I offered. XXXX also has a few late payments down on my report that are wrong and I can prove I paid them for that month.
Product: Credit card

Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account information.
Product: Credit card

Name : XXXX XXXX Company Name : Synchrony Bank Complaint Information : Amount in Dispute : {$3800.00} Complaint Details : Unauthorized Credit Card Account and Inadequate Fraud Investigation Detailed Description : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding a fraudulent credit card account that was opened in my name without my authorization in XXXX. Despite my repeated attempts to resolve this issue directly with Synchrony Bank, the matter remains unresolved, and I am seeking the CFPBs assistance. 

Background : 1. Fraudulent Account : Between XXXX and XXXX, an unauthorized credit card account was opened in my name with Synchrony Bank. I did not apply for or authorize this account. 
2. Unauthorized Transactions : Unauthorized individuals accessed my mailbox and used my checkbook details to make unauthorized ACH payments to this fraudulent account. Additionally, my phone was stolen, and my safe, containing my Social Security number and other personal information, was broken into. 
3. Reporting the Fraud : Upon discovering the fraudulent activity, I immediately contacted Synchrony Bank to dispute the charges. I also reported the issue to the police and filed a report with the Federal Trade Commission ( FTC ). 

Issues with Synchrony Bank : 1. Failure to Investigate : Synchrony Bank failed to conduct a reasonable investigation into the disputed account, continued to report inaccurate information to credit reporting agencies, and pursued collection efforts against me by suing in me in civil court. 
2. Inadequate Response : Despite providing Synchrony Bank with evidence of the fraud, including the police report and FTC Identity Theft Report, they have not taken appropriate action to resolve the issue or correct the fraudulent information on my credit report. 

3. Unfair Practices : Synchrony Banks continued attempts to collect the fraudulent debt, despite being informed of the identity theft, constitute harassment and unfair debt collection practices. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a 12 month CD with BMO Harris bank. the account was open online. no phone calls were made. no visit to bank. the funds were online transfered within seconds from XX/XX/XXXXto bmo harris bank. now the cd is mutured and they say i have to visit the branch in florida because they dont have a branch in new york. they say funds can not be transfered online.
Product: Checking or savings account

Capital one bank has held my payroll deposit since XX/XX/year>, with no resolution or day and time of when it will be released. Capital one states they are having technical difficulties which has left myself and millions of other account holders in the dark as to when their deposits will actually be deposited. It has been a complete inconvenience to say the least. I am unable to pay my car note, electricity bill, buy food, and necessities for my family. I will have several late fees, penalties, and disconnection notices due to being unable to access my hard earned money. Mind you the state of Louisiana is having a winter storm in a few days and I havent been able to buy supplies due to lack of accessing my funds at capital one bank. My funds were sent to the bank from my job since XX/XX/year>. Its XX/XX/year> and still no deposit. Compensation needs to be rendered for my late fees, negligence, pain and suffering. This is ridiculous and inhumane.
Product: Credit reporting or other personal consumer reports

My information and data with equifax was breached and they refuse to remove these accounts from my credit report. I will attach proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax regarding their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I requested an investigation into several inaccurate items on my credit report, including XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, and XXXX  XXXX XXXX - XXXX. Additionally, I disputed incorrect names and addresses listed on my credit report. 

Regrettably, I did not receive any response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It appears that Equifax has failed to fulfill this obligation, violating my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report. However, Equifax 's lack of response demonstrates their failure to conduct a proper investigation.