23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed debt with XXXX company informed me they sold the debt to another agency never received information or data from new existing company that purchased the debt I disputed this information on my credit profile each time it would come back verified, this company sold my debt to a 3rd party organization and gave them my information, I requested a purchase agreement and some documentation that I have this debt with this 3rd part company they have failed to send me proper notice instead they will call me at all sorts of hours regarding this balance. Ive sent them documentation stating the information my credit report is inaccurate as well.
Product: Checking or savings account

From the info used about the {$1000.00} credit limit my income is SSI snd a ssi limit can not be used to pay a debt or be taxed per the XXXX  ssa act the debtvhas to waived.
Product: Student loan

I've been dealing with navient for the last 12 years trying to get my payments down am I lying down the amount on my loan is the same amount from the day1. I took out a loan in XXXX for XXXX this is XXXX the amount I owe is still XXXX I've been paying {$200.00} a month every month. I stopped paying them about a year ago because I couldn't afford it anymore
Product: Checking or savings account

I filed a compaint previously about my money being gone by Chase bank. 
As a result I got this following email " We restricted your account ending in XXXX on XX/XX/year>, and closed it on XX/XX/year>. We placed {$18000.00} into suspense because the funds originated from unemployment credits from the state of New Jersey that needed to be verified. '' Chase is stating they sent the fund back to the state of NJ. 

However, NJ treasury department couldn't find my money and asked to get the escheatment letter from Chase about this matter. 

I called Chase and they said no such letter would be generated.

Therefoere I would like to reopen my previous case in order to get the escheatment letter of my case. 
Chase had my case number which is " XXXX '' Please help me get the escheatment letter, so I can submit to NJ treasury department.
Product: Debt collection

This account that was opened was opened without my consent.I am unaware of this account.I 've reached out to this company many times about this issue. They have decided to ignore my concent. This is unfair in many different ways.I am writing to dispute a fraudulent account in the amount of $ _XXXX____. I am a victim of identity theft, and I did not make or authorize this charge or this account. I am requesting that the charge and the account to be removed, that any finance and other charges related to the fraudulent amount or account.I recently spoke to someone from the Jefferson capital LLC and i was told they would send something in the mail about my issue with an unauthorized account opened with my information. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX IN XXXX their phone number is XXXX XXXX, I was shopping for bedroom furniture, I saw a headboard, night stand and dresser I liked it was listed for {$690.00} cash, the sales man who I believe owns the store advised me there was an option for financing option, I just had to fill out an online application if i had a checking account, I filled out the application I was approved for {$750.00} financing. 

I tried paying {$50.00} down payment with a XXXX card it was rejected my girlfriend was with me, the man then said if u can pay {$63.00} to him he will use his card we did that, deal was closed I picked up my furniture, he said since I took financing option my total was going to be {$820.00}, he gave me a receipt for that same amount I still have it, to my surprise a week later I received an email from the Acima finance company stating my total was {$1800.00} with bi-weekly payments of $ XXXX tax it says, this is predatory lending these terms where never discussed, there was never a loan estimate provided, Ican provide copies of receipts and the email I received at your request
Product: Debt collection

Someone got XXXX apartments in my name and now I'm in debt over XXXX. The first account was opened on XXXX XXXX at XXXX at XXXX XXXX XXXX. They say I owe XXXX XXXX The second account was opened on XXXX XXXX at XXXX at XXXX XXXX  saying I owe XXXX XXXX The third account was opened on XXXX XXXX at XXXX XXXX saying I owe XXXX XXXX The fourth account was opened on XXXX XXXX at XXXX XXXX  saying I owe XXXX XXXX I have never been to these apartments before in my life. I have never seen them before. My grand total is XXXX $ which I dont have. They
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my enquiries and are unauthorized XXXX  XXXX date : XX/XX/2022 XXXX XXXX XX/XX/2022. Synchrony Bank XX/XX/2022 2022
Product: Credit card

On XX/XX/year> my TD bank debit card was stolen along with my designer wallet, XXXX, other credit cards. Charges totaling up to {$2600.00} and {$300.00} were fraudulently taken out of my account at XXXX XXXX XXXX I immediately went to the police and filed a report. I submitted the report to TD bank and they investigated the report. I was given provisional credit of {$2600.00} which was recently taken out of my account, which led to my account being in the negatives with overdraft fees. They have repeatedly denied my claims even after I have submitted a significant amount of documentation such as emails between the merchant XXXX and i, a receipt of the new cellphone I had to replace, police report and other documents to support my case. They are making m responsible for the actions of a criminal and fraudster. This is unfair to me as a customer. The other banks handled the fraud professionally and were able to verify I did not make the purchases and were able to retrieve my funds. TD BANK is the only bank giving me a hard time and refusing to return my funds.
Product: Mortgage

XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and XXXX and Im only getting a reply that the information was updated.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

SYNCB/CARE CREDIT - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Product: Student loan

I have tried to call Conduent for a month since XX/XX/2018. I wrote a letter to the address listed on my statement and the letter was returned! All of the numbers I have tried for Conduent are disconnected! Is this company a scam? I don't know. How do I get ahold of the company?
Product: Mortgage

My mortgage is with Ditech, which was formerly Green Tree. I admit that my payments have been late. I sent a postdated check ( dated XXXX XXXX ) for my XXXX payment. They presented it to my bank before that day, rather than returning it to me as unacceptable. Finally, on XXXX XXXX, I received a notice about the overdraft ( that notice was dated XXXX XXXX ). I sent a new check and letter that day. My letter pointed out that Green Tree ( the name at the time ) had been in possession of the overdraft check since at least XXXX XXXX, and that for some reason communications from Green Tree/ Ditech were taking nine or ten days to reach me -- considering the dates of XXXX notices I mentioned in the letter. ( In my opinion, they should have received my payment by the XXXX or XXXX, possibly on the XXXX at the latest. ) On XXXX XXXX, a man came to my house to show that someone was living here. He asked to take pictures of the property to show its occupation status ; I granted that permission, but, if he took a picture of me, that permission was certainly not granted. I am presuming that this would count as XXXX XXXX live contact required in the foreclosure process. However, the check I sent on the XXXX cleared my bank on the XXXX, and showed when I checked my online banking balance. I immediately messaged a friend that the check had finally cleared -- ten days after I mailed it. My message to her was made at XXXX Eastern Daylight Time ( XXXX area ). That would be XXXX in XXXX, where the check was cashed. Obviously, Green Tree/ Ditech was in possession of my check and held that check. My complaint could be much longer, but I will stay focused on this : Green Tree/ Ditech is holding check payments on my account, yet seems to be working on foreclosure without written notification that they are doing so. The first, post-dated check, was presented five days after I mailed it. The second check, mailed the XXXX, was not cashed until 10 days after I mailed it, and only AFTER the " live contact. '' Green Tree/ Ditech was in possession of the payment, but intentionally held it up. At the same time, I am getting at least daily phone calls from " XXXX '', even though I have informed the company ( in writing ) that I have a profound hearing loss, and can not use a telephone. I am getting notices from XXXX different addresses like XXXX days apart -- and, those notices appear to have been held up from the date of their issue. As part of its settlement order of XXXX 2015 ( with the FTC and CFPB ), Green Tree is supposed to respond to consumer inquiries in a timely fashion ( I asked them to hold the check, they did n't, I sent a replacement check in which I inquired about their timeliness and have not had a reply ). They are misrepresenting their actions ( I had to ask the man who came to my house WHY he was there, and he said it was to see if someone was living here, that a lot of people had just walked away from their homes ). In short, they are setting me up for failure by holding payments that have been made prior to Michigan foreclosure timeline requirements.
Product: Debt collection

I've sent correspondences to the agency to VALIDATE the debt over 30 days ago XXXX and they have failed to do so. I also mention that correspondences have been filed in XXXX County Court of Records. 



This debt has already been proven not to be mine. Please delete this from my reports.
Product: Credit card

After being notified by mail in XXXX that my Kohls in-store credit card would be transitioned to a Capital One Rewards Visa on XX/XX/XXXX, I closed my Kohls charge account. I have a dated letter ( XXXX ) from Kohl Customer Service and Operation Center stating that the account was closed. I have called their customer service center and it confirms the account is closed in their automated system. Yesterday, XX/XX/XXXX, I received XXXX cards from CapitalOne XXXX stating that I can start using them on XX/XX/XXXX. I did not apply for these cards and closed my Kohls in-store charge account well within a time frame that they should have never been issued. I have not called in and activated the new cards, but when I called in to XXXX which is on the NEW card, I was routed to the OLD in-store credit card call system which again says my account is closed and would not allow me to speak to a customer service agent. Capital One XXXX issued me new cards on an account that was closed over 5 weeks ago. Imagine if we had moved and these cards were sent without my knowledge. Someone could have activated them and charged {$3000.00} at any location XXXX is accepted without my knowledge and destroyed my credit score.
Product: Checking or savings account

In XXXX of XXXX  I was apart of a work from home scam that resulted in the closure of my chase student checking account. The company asked me to provide my social security number, my Id and my bank information so they may set up direct deposit. Then the company began asking me to send my log in information so they can ensure that the money is going through. I began receiving large sums of money through XXXX that can not be verified and they also deposited fake checks into my account that developed closure. They also opened accounts in my name using the information I provided.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Twice ), XX/XX/XXXX, XX/XX/XXXX- Blocked their number, they somehow contacted by after blocking it - No amount was discussed and no names were mentioned, they just keep trying to contact me without sending any written notice or amounts - Call is from " XXXX XXXX XXXX ''
Product: Credit card

Chase Credit Card - I've been an excellent client over the years. They have continued to increase their interest rate to the point that it is now over 28 %. Additionally, they are charging me {$95.00} annually. When calling to close the account because of this criminality, they put up hurdles, making finding the information for account activity and how to close difficult. Additionally, the swapping between their XXXX service reps is designed to prevent and dissuade cancellation. They ignore my requests and continue to lecture me. Finally, I say one cuss word. They shut down the conversation, hung up, and ended the process. It is designed to be this way. They do this so they can continue to hold me and my finances hostage to their criminal ways. 

Canceling a card should be streamlined without all the nefarious underpinnings designed to keep clients captive to corrupt corporations.
Product: Vehicle loan or lease

American Honda Financial Corporation handles the financing for a vehicle and a motorcycle in our household. The motorcycle was a new addition and when we began making payments, we added a new bank account for the Honda payment with the intention of paying for the vehicles out of separate accounts. Both payments for the vehicles were made online, using separate bank accounts. An email was received showing we made a change to the bank account information on XX/XX/21, yet when the payment was made for the Honda no confirmation email was received for the payment and it did not show up in " pending '' payments online. We waited several days to see if the payment would clear, then received an NSF from Honda saying the payment was returned - because Honda processed it through the wrong account. The payment was then made again online, using the newly input bank account and once again, no email was received showing confirmation of the payment and the payment did not show up online as " pending ''. To date the payment still has not processed and Honda continues to show the account as delinquent despite my stellar payment history and attempts to make the payment multiple times. A call to customer service yielded no assistance as the person didn't seem to understand what had happened.
Product: Checking or savings account

I wanted to cash out {$14000.00} and put it into my safety deposit box at Wells Fargo. I cashed out {$14000.00} from my saving account. Two Wells Fargo employee went to the vault to get the {$14000.00}. They came back with an envelope and handed it to me. The receipt showed the {$14000.00} withdrawal and I put the receipt inside the envelope. 
Immediately after, another Welles Fargo employee escorted me to safety box deposit box, where I put the envelope that they handed to me inside my safety deposit box in front of the Wells Fargo employee. Then I left the bank. 

Two weeks later, I return to the bank to retrieve the money and open CD with Wells Fargo. I got the envelope and brought it to the Wells Fargo Representative. The Wells Fargo Representative counted the money in the envelope and told me there was {$4000.00} in the envelope instead of the XXXX I had received from the Wells Fargo employee 2 weeks prior. Please note this envelope never left the Wells Fargo facility from the time I withdrew the money until I wanted to reinvest it into the CD.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX XXXXXX/XX/year> money has been disappearing out of my account even when I locked my card
Product: Checking or savings account

XXXX, pnc has made changes to their banking and accounts preventing me from linking services toy account to receive money from
Product: Credit reporting or other personal consumer reports

My rights have been violated I did not give written instructions for these accounts to be place on my credit report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on my credit inaccurate information on my Credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

TRUIST BANK CLOSED MY ACCOUNT ON XX/XX/year>. MY AVAILABALE BALANCE ON THE ACCOUNT WAS {$9600.00} AT THAT TIME. FOR 3 MONTHS I'M FIGHTING WITH THE BANK AND CAN NOT RECEIVE MY FUNDS HELD WITH THIS BANK. 
THEY HAVE WRITTEN OFF THE BALANCE ; AS OF TODAY ( XX/XX/year> ), THEY HAVE REDUCED MY AVAILABLE BALANCE TO XXXX. THEY CLAIM THAT THE FUNDS ARE HELD FOR THE RECOVERY REASONS AND NO OTHER INFORMATION IS BEING PROVIDED TO ME, NEITHER THE TIMELINE OF THE SO-CALLED " FRAUD '' INVESTIGATION. NOT ONLY THEY REFUSED TO ACCEPT MY REAL BUSINESS RELATED CHECK DEPOSITS, ALSO THEY CLOSED MY ACCOUNT ON THE " FRAUD '' SUSPICION AND REFUSING TO RETURN MY FUNDS. THEY ARE JUST ROBBING MY ACCOUNT ON THE HIGHWAY IN THE MIDDLE OF THE DAY! 

TRUIST BUSINESS ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

Using square app to process my business sales, they are holding my funds with out providing a reason on why. All my business is legal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  : XXXXXXXX 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, has violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital One XX/XX/XXXX Attn : General correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Dear Sir, I opened the Capital One Venture card in XX/XX/XXXX. Because of the accumulating mileage service, I tried to use the card in every opportunity and I accumulated XXXX miles. I hooked up my bank account and I paid all the amount owed, however, there was 2 times when my bank did not have enough funds. On the same day, I deposited fund to my bank account and paid the balance. I was never late for the amount due, but the Capital One decided to close my account without my authorization. I called the bank asking for the reason for the closure. They said that its because I had not enough funds for twice which is ridiculous since I was never late for the payment. I was trying to pay off as much as possible to avoid the interest. 
In my opinion, they closed my account since I am not paying any interest. This is the clear violations of the business policy and also trying to rip off customers. Even if its their policy, the mileage which I accumulated should be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.