23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I would like to decline further correspondence from your company for the security of my personal identity. Since I write many files, I do not remember what kind of dispute ( s ) I have filed. As far as I remember, I mentioned some bank accounts were closed. Since I do not observe any changes in the past reports, I do not need further correspondence. If only, you can mention any changes in your company documents regarding my personal financial information, please let me know. However, as myself know that most of financial matters has not significant change ( s ), I do not think my case ( s ) need ( s ) any special attention of you. Since most of the financial companies do not mention your company to contact for some credit report, I do not want to ask any report from your company. From the beginning, without acknowledgement, your company sent me questionable documents to me. Or maybe, I just believe they are questionable, and they might be official and legal style in the United States. Anyway, I do not have intention to provide my personal information including banking. 
Sincerely,
Product: Bank account or service

I opened a CitiGold account with an opening bonus of XXXX Thankyou points. But they refuse to issue the bonus to me when I meet with all requirements.
Product: Debt collection

XXXX XXXX has committed XXXX XXXX and has closed my accounts illegally due to them not have XXXX of Attorney. I have already revoked their XXXX of Attorney. They have not returned the security I had sent in, so I don't know what they are doing with it. I had tendered the coupon they sent to me according to the XXXX XXXX code. They are violating me as a consumer attempting to do business in good faith. Within XXXX prospectus and even reading their trust indenture agreement they clearly state about the discharging of debts. XXXX is violating the XXXX XXXX XXXX of XXXX & XXXX and also the XXXX XXXX XXXX of XXXX. Their XXXX indenture agreement with the XXXX  to even deal with securities is being violated also. Also giving my information to XXXX parties violates the Privacy Act of XXXX and XXXX own agreement we have together about not sharing my private information. Please update any reporting that's being reporting to just " updated, paid as agreed '' or I will pursue Fair Credit Reporting Act 15 USC 1681 violations against your company. Also 18 U.S. Code 8 - Obligation or other security of the United States defined : includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Concora has taken adverse action on me illegally when I don't owe, and your company is violating 15 USC 1692j - Furnishing certain deceptive forms and I have proof with your statements sent to me.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. Same collection is being reported twice on my credit report and caused my credit score to drop significantly. 
According to FTC this is a violation and is named in lawsuit CFPB has against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS {$2100.00} Reported balance PORTFOLIO RECOVERY {$2100.00} This account was in bankruptcy and closed out by XXXX. Once I came out of bankruptcy this is the only account that came after me reopening the account saying it was just opened. had phone calls with Reps at this company and was informed it was paid in full, when I asked for documentation and they sent the email ( not sure I still have ) that the account was paid it full ... they then came back and said oh, no we made a mistake it was a different account that was paid in full. I contacted them multiple times, asked that it be removed after I was told it was removed and paid in full. It is showing paid in full and closed with other reporting agencies. then they told me it was the wrong account that they told me was paid in full and kept it on the report. I also advised that I owe the IRS first with a tax lien of over {$20000.00} and am on a modified payment with them based on income. I have no money to pay that bill before I die, as the IRS has first shot at their money. 

Why is the account showing paid in full on other reporting agencies and they are keeping it open on some. Again it was in bankruptcy, they had the chance to appear in Bankruptcy court and stake their claim ( XXXX ) they did not and so account was closed. Portfolio reopened the account and said it was then opened after the fact which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive reprted multple times on my report that this account was open in fraud the company is XXXX wich the bank is bank of ameica its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXXXXXX buisness has removed it aswell XXXX and XXXX XXXX .but XXXX and bank of america XXXX adhere to my demands wiyh the proof of afidavid im demanding bankl of america and XXXX to remaoe this fruad account off of my report the account is XXXX open on XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

My loan with XXXX XXXX  was denied on XX/XX/year> stating that there are some delinquent pas and present obligations provided by Transunion credit. I have not seen the report and i do not know where that is coming from. I would like to see a copy of the report and if possible work on resolving every issue on there.
Product: Money transfer, virtual currency, or money service

XXXX claimed that they had never received my XXXX payment, which Chase confirmed had been sent and processed by XXXX from my Chase account, as per complaint ID XXXX filed on XX/XX/23. XXXX, the attached information appeared under my account via XXXX online, which I provided to XXXX XXXX in Benefits HR at XXXX. Her email address is XXXX. According to an email from XXXX XXXX on XX/XX/23, my payment had not been located yet. It was a XXXX XXXX XXXX paper check, according to Chase. 

I am asking for an explanation from XXXX and from Chase of this " canceled transaction '', and would like to know when I will receive interest on the funds that were floated. 
I would like confirmation from Bank of America that my XXXX coverage will not be canceled. 


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

To whom this may concern, I sent TransUnion a letter date XX/XX/XXXX requesting the removal of unauthorized credit inquiries. I informed TransUnion to provide me with accurate documation that I authorize the inquiries and provide permissible purpose of the inquiry. TransUnion responded to my letter on XX/XX/XXXXstating that I have to contact the original creditor regarding the inquiries and they didnt provide any investigation regarding the inquiries and by FCRA law I know that TransUnion is responsible for investigating inaccurate information. I sent TransUnion a 2nd letter regarding the inquiries dated XX/XX/XXXX as a response to there letter, requesting again that unauthorized inquiries be removed along with my updated credit report highlighting all unauthorized inquiries. TransUnion has failed to provide me with any further information regarding these hard inquiries. I have attached to this complaint claim the letters that were sent to TransUnion along with USPS certified tracking information for date of receipt references. My credit score is my reputation and reporting inaccurate information without investigation is unfair to me as a consumer. I hope this can get cleared up as soon as possible. Thank you so much.
Product: Money transfer, virtual currency, or money service

I had ordered XXXX XXXX on XXXX I havent got refunded for anything thats has been cancelled or disputed due to me not getting what I payed for I want my money
Product: Money transfer, virtual currency, or money service

Scammed to send money through XXXX app for {$200.00} with fraudulent images of transactions for XXXX XXXX sale. I received no benefit from the transaction and no product was exchanged. Have filed an FBI report, XXXX report and contacted my financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA Opened XX/XX/2011 has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

This is not my debt. This debt was from identity theft and it was removed from my credit report. Now this company is trying to collect money. This is not my debt.
Product: Debt collection

Name of Company : Sherloq Type of Business : Third-Party Debt Collection Agency Address of Business : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX of the Complaint : I am filing this complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Sherloq, a third-party debt collection agency. On XX/XX/year> I received a letter from Sherloq claiming I owe a medical debt of {$170.00}. This debt allegedly originated from XXXX in Florida. The details on the account reference a balance for an individual with a similar name and a different date of birth. 

This debt does not belong to me for the following reasons : XXXX. I am not the individual that owns the debt, the name is similar to mine. 

XXXX. The date of birth does not match mine, it is significantly different. 

XXXX. I have never lived in Florida, let alone received medical treatment at XXXX. 

XXXX. I currently reside in XXXX California and have no connection to the state of Florida or this medical debt. 

FDCPA Violation : Sherloq violated the FDCPA by failing to ensure the accuracy of the information before contacting me, a clear breach of 15 U.S.C. 1692e ( 2 ) ( A ). This provision prohibits the false representation of the character, amount, or legal status of a debt. In this case, Sherloq falsely claimed that I owe a debt that does not belong to me.

Additionally, Sherloq failed to comply with 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect a debt. By associating me with a debt I do not owe and failing to verify their records, they engaged in deceptive practices.
Product: Credit card

I found out that a lady the cleans our office to our apartment we own took a picture of my Synchrony Belks MasterCard and opened a XXXX XXXX  account and XXXX XXXX account and XXXXXXXX XXXX account and was purchasing services with out my promission. I called the police and filed a police report and called Synchrony Bank Fraud division to dispute and have a new card replacement and go over the the charges, They Synchrony credited my account back from the fraudulent charges but after 3 months they reversed the charges and told basically I lied. The fraud investigator from the fraud department was extremely rude and told me I was a lier and I did these charges, I'm XXXX XXXX XXXX and I do not lie. So I called and talked to he's supervisor and she reopened the fraud claim and for me to resend the police report and signed documents that Synchrony sent me, So the investigator who is now handling the fraud dispute stated they guarantee I will be credited back and i'm not responsible for the fraud transactions. I called and spoke to the investigator on XXXX  again and he stated they are already crediting my account back. Now on XX/XX/ I get a emailed letter to my account stated that I benefited from these fraud transactions and I am fully responsible for the payment. Well the police have arrested the lady who stole my information and has already gone to court and she plead guilty and has already paid back the Money through the courts and now is on felony probation. Clearly the fraud division with Synchrony is not helping and doesn't care about they customer and I will take this all the way to the courts before pay this, In big letter its says your not responsible for fraud transactions and I sent the bank the court documents and police report and XXXX from the lady who stole my card information.
Product: Debt collection

This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Mortgage

In XXXX The Money Source Inc failed to send all documents related to a mortgage modification that I had been successful with trial payments on. After confirming that the modification had been finalized and submitting the documents that were sent to me I received a modification denial letter almost three months later citing I did not return the documents. I have confirmation not only that I completed and sent the documents via email, and USPS but TMS also filed the same documents in US Bankruptcy Courts on XX/XX/ via their Attorney XXXX XXXX XXXX XXXX XXXX XXXX I believe TMS made a clerical error and rather than rectifying the matter with FHA/HUD agencies they forced and coerced me into multiple subsequent mortgage modifications which have been very unfavorable. My original modification would have brought my monthly payment to {$1500.00} with an APR of 2.8 % versus my current loan status of {$2200.00} with APR of 6.37 %. I believe that TMS has made grievous error in this matter including failure to respond to my subsequent appeal in writing and my formal request under the RESPA Act dated XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I have been a card holder of a Banana Republic store credit card through Synchrony Bank since 2009. Recently, my account was changed from a store credit to a Visa credit card by Synchrony Bank without my authorization or my consent. This has resulted in reporting of a new account and new line of credit with the credit bureaus. I raised my concern with this Banana Republic and Synchrony Bank, but no action has been taking. 

My privacy and credit has been violated by this new account that was opened without my authorization. My credit score was negatively impacted multiple points by this new account being opened without my authorization.
Product: Credit card

On XXXX XXXX I made a purchase with my cash app card ending in XXXX from a company called XXXX I received confirmation email that payment was received now payment was processed through my cash app and subsequently pulled from cash app through XXXX in order to pay the merchant. When I did not receive my merchandise, cash app made the suggestion that I close that card out and open a new one which they sent to me I have made several request for them to check to see if the money was refunded possibly to the old account and no one will even Acknowledge any of that or address that I never received the product. I went back-and-forth with the merchant. They offered me a refund told me it had been issued I contacted Cash App. I went back-and-forth with them for months. They refused to provide me with the refund. I got in contact with XXXX. XXXX sent me a letter from their legal team showing that the money was actually sent back from XXXX originally from the original merchant to XXXX and XXXX sent it back to Cash app they sent me a letter from their legal team proving this cash app refuses to return my money. They refused to even address the fact that the money was returned and they are just flat out stealing money from me. I looked online. They have done this to multiple people. Several consumers have complained that they are refusing to refund money and or they have taken money from their cards that was not supposed to be taken. I have done everything I know humanly possible. Ive called Cash App. Ive emailed back-and-forth with managers. I was even told by XXXX of their employees that once something is declined it is not considered it declines. It comes through a second time. They automatically declined it without reading it and whether or not the customer is right this is been the issue for me. I filed a complaint with the XXXX XXXX XXXX. They gave me some vague answers they have flat out, refused to address. The fact the merchant sent me proof that they returned the money that XXXX has sent me proof that they have returned the money. They refused to address that basic issue and they have refused to return my amount of {$370.00}. I need help asap please
Product: Money transfer, virtual currency, or money service

Paypal has placed {$660.00} of my funds into a reserve account with no explanation, notice or justification. We have been a client since 2006 with no issues, changes or problems which justify holding our funds. We demand the funds be released to us immediately. 
They have not provided any help or been responsive to our complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally XXXX Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Checking or savings account

I do n't understand why PNC charges so much for late fees. I can see them charging just one late fee but a later at {$36.00} everyday plus a {$21.00} late fee plus {$7.00}. I just do n't think that right, because I was one time, every month I have had no money because of the late fees, of course they do n't care about this domino effect. I have tried calling them and complaining numerous times. They have not complied, They only tell you to get a pen and paper ledger. No how about you listen to your customers and stop charging them high amounts, I did not receive a phone call or any information. They do not reach out and contact you to even monitor your account, so paying anything extra is a waste. I wish someone would call me and actually grant some kind of justice against all these fees charged and set the mark on the right path with a loyal customer. Do what 's right PNC!
Product: Credit reporting or other personal consumer reports

I am writing to contest the late payment listed on my credit report. After a thorough examination of the information provided, I have identified discrepancies that require your immediate attention. 
Upon reviewing my credit report, I have noticed discrepancies concerning the reported late payments. I have consistently adhered to my financial responsibilities and am confident that there may be an error or misunderstanding in the reporting process. Furthermore, it's worth noting that both XXXX and XXXX credit bureaus have already updated their records for this account. 

I kindly request a comprehensive investigation into this matter and the swift removal of any inaccuracies from my credit report. 

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

Around the end of XXXX- XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.
Product: Mortgage

Wells Fargo has reversed payments I made to my mortgage and erased the electronic history displaying these payments and the reversals they made, after I raised the issue. 

They took six months to give me a response but did not respond to any of my calls or messages during the six months they say they needed to respond to the complaint.

Now they say I have four months due, which is exactly the amount they are saying is unpaid, that they reversed. 

If you can not help. Please advise of someone who can. 

Thank you, XXXX XXXX XXXX