23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The following is in response to Select Portfolio Servicings ( SPS ) response ( XXXX ) dated dated XX/XX/XXXX andXX/XX/XXXX response ( XX/XX/XXXX ) dated XX/XX/XXXX. Please allow me to outline my continued unresolved issues/concerns and provide additional indisputable documentation of SPS 's and XX/XX/XXXX fraudulent activity and misrepresentation. First, both SPS and XXXX  assert the property address associated with the alleged note and mortgage as XXXX XXXX XXXX, NY XXXX. My deceased father 's last address was XXXX XXXX XXXX XXXX, NY XXXX. However, in the past this property was assigned the following addresses over the fifty years he lived there. They include : XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX  ; and XXXX XXXX XXXX XXXX XXXX, NY XXXX, and lastly, XXXX XXXX XXXX XXXX, NY XXXX. XXXX, NY is a village in the town of XXXX, NY XXXX. Secondly, Tax Map # XXXX  also associated with the alleged mortgage does NOT represent a single property. It consist of multiple parcels ( 3 ), including Deeds XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The only affected Deed, as described in the alleged mortgages, is XXXX ( XXXX ) consisting of approx. XXXX   acres. My deceased father 's residence is not located on this parcel. His residence is located on associated Deed XXXX   ( XX/XX/XXXX ). This is all verified by the attached document which includes a very detailed title search report conducted by XXXX XXXX XXXX. The documentation is indisputable and proves the fraudulent and misrepresentation SPS and XXXX continue to perpetrate. SPS ( AKA XXXX XXXX XXXX XXXX ), XXXX, or any other associated entity has never had, or have, a security interest in my deceased father 's personal residence, which is located on a parcel totally unassociated with the alleged mortgage. See attached documentation for verified proof. Not only has XXXX misrepresented the facts when they sold the alleged note and mortgage to XXXX, SPS continues to threaten legal action against my father 's estate ( foreclosure, forced placed insurance, etc. ) Furthermore, XXXX XXXX XXXX XXXX and SPS defrauded investors. They have securitized this alleged note and mortgage, without the required due diligence, and continue to misrepresent the facts to investors, by claiming they have a security interest in a property in which they absolutely do not. This misrepresentation is both unconscionable and despicable. Their actions need to be addressed with appropriate consequences.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX
Product: Checking or savings account

Someone stole an insurance refund check mailed to me and Chase Bank cashed it. The name on the back of the check was XXXX XXXX ( hard to read ) but clearly not my name XXXX XXXX which was on the front of the check. It took me months to convince XXXX that I had not cashed the check and I demanded a copy of the front and bank, that is how I figured out that someone had stolen the check and cashed it in XX/XX/2023. I filed a complaint with XXXX fraud department after getting the run around. I also filed a fraud complaint with Chase bank to this day I have never received a reply to my fraud with Chase. XXXX required I file a police report, which I did and alot of other hoops which I have done. XXXX is saying since they mailed the check it was out of their hands. I told them I have called Chase, filed a fraud with Chase and no reply. I finally was assigned someone at XXXX but every month they say their bank is working on it. Both XXXX and Chase have taken so long to take this seriously the detective said their was not anything XXXX can do it was up to the Chase. I called a contact I knew at Chase local branch and she suggested I call XXXX. I spoke to XXXX at Chase on XX/XX/2023 and she told to email XXXX XXXX XXXX, chase.com I have emailed several times and to this day have yet to receive a reply from Chase. The amount of the fraudulently cashed check was {$5000.00}. This has been over a year chasing down not only my refund from XXXX but then to find out it was mobile deposited by Chase in XX/XX/2023 and not receiving any reply from Chase is terrible.
Product: Student loan

I made a payment for {$5000.00} on XX/XX/2023. It was reversed the very same day and the servicer company ( Aidvantage ) did not message me or give me any explanation for this decision. I had not signed up for any deferments either and the company never even tried to withdraw the money from my bank account.
Product: Mortgage

This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both XXXX and XXXX fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, XXXX, Transunion and XXXX are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, XXXX, Transunion and XXXX are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by XXXX, Transunion and XXXX.
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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders t exploit the system racing users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

I visited XXXX XXXX XXXX  on XX/XX/XXXX to have my XXXX  XXXX degree evaluated. I paid extra for 5 days rush and {$15.00} priority mail 1-3 days. I was promised to have it by Friday XX/XX/XXXX. I was made to pay for shipping as XXXX stated that electronic version will not be provided. I received a document on Saturday in the mail and because I called them that my document didnt arrive as promised they sent me electronic version on Friday XX/XX/XXXX. After reviewing it I discovered that there were lots of discrepancies. Document I received was TRANSCRIPT WITH XXXX XXXX evaluated not the diploma XXXX XXXXXXXX ( completely different documents with different numbers ; my receipt from XXXX clearly states that it has to be XXXX XXXX diploma ). I tried talking to XXXX but they didnt listen to me so I decided to call Chase and do the chargeback on XX/XX/XXXX. Chase never asked me for any supporting documentation and decided in favor of the merchant. Although I faxed the proofs ( 16 pages of documents with explanation ) to Chase on XX/XX/XXXX they denied it and never let me know why. I feel Chese didnt conduct proper/fair investigation and possibly never looked at my evidence. They mail I got from Chase states that they found transaction was processed properly. Now I dont know if they even formed the dipute properly as it wasnt about transaction processinf it was about merchant not providing what I paid for within the time I paid for. XXXX trying to get money back responded with document correction days after in the email and they never even makled it to me as I paid for it. 

I am Chase customer for over 10 years and have never been in a situation like that and I am disappointed how my bank instead of protecting my interest is giving my hard earned money to the company that didnt provide quality service?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to complain about Bank of America credit. My account was reported as fraudulent for the amount of {XXXX} because XXXX XXXX  charged my credit card without my consent after I had canceled the service with them and then I called Bank of America and told them, but they had already reported the balance ad delinquent to the credit bureaus. I was not aware that there was a balance on the credit card and for that reason I did not pay it since I had canceled the service. the amount was later refunded by XXXX XXXX  because it was a mistake from their part and I spoke with a Bank of America representative and he promised to remove it from my credit report but they never did. attached please find a letter that was sent to me by the bank of America representative. Please find attached a copy of a letter they sent me and the bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Company : Asset Recovery Associates XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
Product: Mortgage

RESPA VIOLATION. I have requested SunTrust to supply original loan documents under my legal rights. A representative of SunTrust signed for my written request and as of today 's date I have not received my QWR AND RFI. The response was the have not had my loan for 13 years and I signed the '' fraudulent '' documents. The actions of SunTrust broker is costing me financially. I am asking for CFBP TO enforce my RESPA RIGHTS. I NEED the original HUD Forms. GFE, and documents broker XXXX XXXX sent to XXXX XXXX regarding my SunTrust mortgage approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to get a car from XXXX.. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated XX/XX/XXXX. XXXX XXXX XXXX - XXXX, XXXX, RE : XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.
Product: Consumer Loan

My wife and I divorced on XXXX XXXX, XXXX and the court / Judge ordered her the XXXX XXXX XXXX and full financial responsibility of it. The car was financed in XXXX of our names so it shows on my credit report. Since the divorce which is when she assumed responsibility she is always late and payments behind which reflects on my credit even though I have no control or even know where the car is these days. I have put in XXXX disputes to date to remove this account from my credit report with the Credit Bureau and each time they have declined saying the financer disagrees. My credit is getting a bad mark from this and I feel like this is not right now that I no longer hold financially responsibility ordered by a judge in a court of law.
Product: Debt collection

I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.
Product: Credit card

A Fraudulent account was opened in my name in XXXX with Synchrony Bank. This fraudulent person made a purchase from XXXX XXXX XXXXXXXX. Once I found out about the fraudulent account I had it shut down, was cleared of any responsibilities, and the company told me they would notify the credit bureaus on my behalf to remove this fraudulent account from my credit report. My complaint is the company Synchrony Bank and XXXX XXXX were more interested in making a sale than protecting my identity. I have had locks and freezes on my credit reports for years since I have dealt with Identity Theft since XXXX. How did they get past these alerts and approve the fraudulent applicant?
Product: Payday loan, title loan, or personal loan

I was on a 6-month payment plan ( I was unemployed due to COVID ) with Prosper starting in XX/XX/XXXX for $ XXXX and utilized the autopay feature ; and assumed my last {$200.00} payment would be XX/XX/XXXX21. However, when I received a payment confirmation on XX/XX/XXXX21, it stated that the payment would be for {$740.00}. I immediately called Prosper on XXXX/XXXX/21 and stated I thought my payment would be for {$200.00} and my checking account would be overdrawn with the {$740.00} payment. The Customer Service Representative stated she would request a refund and stated my payment should be for {$200.00} for the XX/XX/XXXX payment, then revert to a higher payment. She told me to wait for a few days to receive an email and refund, which I did not receive. I called Prosper on XXXX and spoke with a Customer Service Representative named XXXX XXXX XXXX was very polite and understanding and helpful and told me over and over that my payment of {$740.00} would definitely be returned, especially since my checking account is over {$900.00} overdrawn. He promised me the payment would be returned in a few days and someone from Prosper would call me to work out the details. Again I heard nothing until XXXX when I received an email from Prosper stating they would not be returning my payment. Now my checking account is overdrawn by {$1000.00}!! I called on XXXX and asked to speak to a manager, who was nice and understanding but stated there was nothing they could do and that I was told misinformation from the previous representatives. The manager stated it was Prosper 's fault but could not return my payment or offer to pay the overdraft fees due to the misinformation. All he could do was turn off the auto pay feature on the account.
Product: Debt collection

A company I paid off in XXXX named Portfolio Recovery Associates ( they were called XXXX XXXX at they time ) continues to call me from phone number XXXX. I have called this company 5 times and was told my name is not in their system as owing any money to them but I continue to receive calls. I even had them send me a paid in full notice to prove I don't owe them anything. On XX/XX/XXXX at approximately XXXX I received yet another call. I called the company back and spoke to XXXX XXXX who told me they have no record of their system calling me but she found my phone number ( XXXX ) under someone else 's name. XXXX made it sound like I was lying about receiving the call. This has become harassing because I work from home and the calls disrupt my daily workflow when I'm on conference calls. 
Please help, I don't know what else to do.
Product: Credit card or prepaid card

* XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of. 

* I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX. 

* I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy. 

* XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX. 

* Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days. 

* When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i order a cashiers check in the amount of {$730.00}. XX/XX/XXXX funds were taken from my account. I was not given tracking information at first until I requested it. The information they gave me was invalid. I was informed at first it would take 3-5 days to receive the check. After that time had passed I was told to wait another 7 to 10 days. I requested to void the check and return the funds, I was told I can not do that until I receive the check. I believe my check has been stolen, as they are giving me false information on tracking and expected delivery.