23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX clerk XXXX XXXX  XXXX in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.
Product: Checking or savings account

On the XX/XX/2020 I attempted to access my account. I received a notice that my account had been locked, I contacted Bank of America regarding my account. I was told my a customer service rep. that my account was being closed because of the deposits from unemployment. I explained that i get unemployment from. She stated that if there is any money left they will send it back to me. I ask to speak with a manager, I spoke with a manager and was told that my account was frozen because the deposits were not in my name. I explained that the money did belong to and was in my name she then disconnected the call. I went in to a local branch and was told that they could not help me and they did not know why the account was frozen. I placed a call back to customer service and spoke with some and asked for a manager. I received a call and explained the reason why I was disgusted with Bank of America because my account was placed on hold without notice, no one called me to discuss the matter, I did not receive any notice regarding this concern. My funds are being held without reason or just because Bank of America decided to. I have had thousands of dollars deposited in this account and have never had it frozen. I am asking for your assist regarding Bank of America and its employees unwillingness to release my account. I was told that they are looking in to this, however ; there is not valid reason why this should have happened. How many other accounts have they taken upon themselves to freeze without sufficient notice to the account holder.
Product: Debt collection

My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean.
Product: Debt collection

I move from XXXX in XX/XX/2023 I was not aware of this debt so I took a look at my credit report because I got a notices about a new account so I call the number and they told me the about the XXXX XXXX XXXX had sent them so I paid the amount XXXX XX/XX/2023 and it still showing unpaid collection I have call them time after time to remove this collection I was told they can not do anything it has to be there on my credit for 4 months and it is missing up my credit report score
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act : XXXX misused and disclosed personal information to these companies without authorization. When I contacted XXXX, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called the all these companies they asked me for all my personal information which they did not provide. 
XXXX violated the following. 
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 an account without written instructions. 

XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX automatically put me in a forbearance which I did not request and did not have any knowledge l. On XX/XX/XXXX, my credit report went down 40 points due to interests capitalized to amount with the interest amount going up of {$300.00}. I requestsd to have my forbearance lifted off and add will pay my amount. XXXX agent advised its too late since it's already been reported to credit companies and just pay the remainder balance and they will report PAID.
Product: Credit reporting, credit repair services, or other personal consumer reports

The finance company that I purchased my car from sent me a letter stating that the loan was paid in full and that they have released their interest in the loan. I sent the documents they sent to me to all three credit bureaus certified mail and received a response that the information on my report was correct.
Product: Credit card or prepaid card

The Card Security program with Synchrony Bank is a complete scam. I made a complaint previously but the situation has only gotten worse since, with their continued refusal to make a good faith effort to pay claims warranting a new complaint. It's hard to know where to even start. After finally getting the benefit form from Synchrony, which I had to demand MULTIPLE TIMES, they processed my application. It shows that it was approved. I received NO INFORMATION on the approval, I received NO INFORMATION regarding the payments I was approved for and I received NO INFORMATION on any further steps. 

The only reason I knew I was approved is because the online portal showed " approved ''. NO FURTHER INFORMATION PROVIDED. I then call into the call center to get more information. The first two times, I get people who are clearly incompetent and can give me no further information. The last call I made, today XX/XX/XXXX, the woman tells me that they will make two additional " courtesy '' payments. She can not tell me the amount of the payments, only that they will post " after my statement closes '' which will be AFTER MY DUE DATE creating a late payment. Apparently, them paying late and putting customers ' credit history at risk IS SO COMMON THAT THEY ADJUST THE LATE FEES BUT DO NOT FIX THE CREDIT REPORT. How horrible is it that people pay for insurance only to find out their credit history may still be harmed? That the company has such a disregard for their customer that they pay late? 

Then she told me that there is MORE PAPERWORK to fill out after the 90 days. What paperwork? She can't give me further information now. When will I receive it? She doesn't know. In fact, she looks and it shows in their internal system that I have received NO ADDITIONAL INFORMATION BEYOND A BENEFIT FORM AT ALL. There is no more information to be had except that my payment will post after the statement closing date - making it late for an UNDETERMINED AMOUNT that may even be less than my minimum. 

This is the worst part - all agents then advise me that, even though my claim has been approved and, even though their program says they will make the minimum payment - I SHOULD CONTINUE MAKING MINIMUM MONTHLY PAYMENTS ON MY ACCOUNT BECAUSE IF I DON'T THE ACCOUNT MAY DEFAULT. THEY ADMIT THAT THEY ARE A COMPLETE SCAM AND MAY NOT MAKE THE PAYMENTS PROMISED. 

This company needs to be shut down. There is no hope. It is my understanding the CFPB has already fined them for this scam, please know they are put this scam on full throttle now, charging a large premium and leaving customers with UNPAID BILLS, LATE PAYMENTS, COPIOUS AMOUNTS OF PAPERWORK AND NO CORRESPONDENCE ON WHAT FURTHER INFORMATION IS NEEDED FOR A CLAIM APPROVAL. 

Synchrony should be ashamed of it self for preying on the vulnerable and the CFPB should be ashamed of itself for not shutting them down when it had the chance. I sob sometimes because of what these people have put me through. Please note, I will also be sending a copy of this complaint to my congressman, senators and state representatives.
Product: Debt collection

I received an alert from XXXX  about an account being reported by CONSUMER ADJUSTMENT CO. Please be advised their validation { not verification } of an item reported to XXXX  by CONSUMER ADJUSTMENT CO is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to CONSUMER ADJUSTMENT CO, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against CONSUMER ADJUSTMENT CO should this item not be deleted within the required time allowed by law. CONSUMER ADJUSTMENT CO is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the companies below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I opened up this account with XXXX XXXX about two and a half years ago. Doing that time I very seldom use the account the monthly credit card fee was {$6.00} which I paid with no problem. During that 2 and 1/2-year period I never paid my account late Even though I use it was just paying the {$6.00} monthly fee. Because of non-use of the credit card when I made my XX/XX/year> payment by phone I requested that the account be closed. At that time I tore up the credit card made the last payment and figured I was through with Total Visa. I did not receive a XXXX statement but did receive a call in XXXX saying that my account was past due {$6.00} plus the late fee. At that point I indicated I have requested the account be closed in XX/XX/year> what I made that final payment. They told me at that time when they check they had no account of me requesting that the account be closed and that I owe the fees. They then told me they would investigate the problem and get back with me. I did not hear from Total Visa again until I received a call stating that I now old an additional {$6.00} for the month of XXXX plus a late fee. At that point I refuse to pay because I told them I requested the account be closed and I had no problem playing the {$6.00} feet before so why would I let them charge me {$47.00} for a late fee on a {$6.00} fee monthly fee and I'd never had that problem before. At that point they told me it's nothing they could do in our old the fees. I'm requesting that Total Visa remove those late fees remove those two charges and correct the reporting of my credit as being late on that account to the credit bureau. This is causing me problems by them showing me as delinquent for the account that I requested that they close.
Product: Debt collection

Re-XXXX of Central Credit Services ( XXXX ) XXXX keeps My Family very uncomforted. He calls our home phone at very odd hours and weekends. We have tried to stop him ourselves but he is out of control by us. He tells my Associates that I owe him $ 11,000.00.I do not know him and have not in any form encountered him in any Business. 
Please help my family by putting to check. 
XXXX XXXX.
Product: Debt collection

We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.
Product: Money transfer, virtual currency, or money service

Cash app has allowed a SECOND account to be opened with my info. In their response to my previous complaint filed with the CFPB they stated they would not allowe my info to be used further. Today, XX/XX/22 I received a cash app card for a new account using just my first name- they didnt even require a last name in opening the account. Cash app still does NOT have any sort of fraud protection that will speak to you and as of today I have yet to have the second account closed. 

Cash app needs to CLOSE this account immediately and STOP allowing new accounts to be created using information THEY KNOW is fraudulent as they have been notified multiple times via here and directly that the info is fraud. Yet they still continue to allow the stolen information to be used to open new accounts. This is the 2nd time in a month! 

Attached is the response from cash app about the first account which they clearly did NOT adhere to.
Product: Credit card or prepaid card

Description of Complaint : For months and months I was receiving solicitations from Capital One, so I decided to apply for one of there cards which was recommended to help build my credit. After filling out the application it appeared that I was approved and the card was in the mail. Shortly after a day or 2, I was notified by voicemail that my account was flagged as being fraudulent, I was asked to provide approximately 3 documents one of which was a copy of my Social Security card. Even though they insisted I thought that this practice was unacceptable, operators insisted that I must submit those documents. Never had I ever had to submit a Social Security Document to any institution for a credit card. They, Capital One Solicited to apply, Ran my credit approved and sent the card but flagged it anyways. Trying to call and get any reasoning was met with unfamiliar information to why the account was flagged. This appears to be a situation that needs some explanation on the mentioned practice. Looking forward to hearing from you
Product: Credit card or prepaid card

I have Bill Pay set up with my checking account. 

On XX/XX/XXXX I scheduled a BILL PAY for {$1200.00} and ACCIDENTALLY selected Kohl 's. The payment was successfully transmitted to Kohl 's on XX/XX/XXXX. But my account was closed in XXXX! 
Action steps taken : 1. Called my bank. They could not do anything since the transaction was successfully delivered 2 weeks earlier. 
2. Called Kohl 's Customer Service on XX/XX/XXXX and they said that they can not retrieve the account # ( it was closed ) and could not help. Was told to write an email. 
3. Emailed customer support on XX/XX/XXXX and explained the situation only to receive an email back who referred me to call XXXX. 
4. Called Kohl 's Corporate main # XXXX but the phone system is not manned ; you usually get a message that says " your session can't be completed at this time ''! Even when you try to get to the CEO 's office by name. 
4. Sent email to Finance head at Kohl 's Corporate ; no response back. 
5. Called the XXXX # on XX/XX/XXXX @ XXXX XXXX  ET and spoke to representative. Again, they informed that they were unable to access a closed account. Suggested we dispute this with the bank. 
The money is somewhere at Kohl 's but neither Customer Service or Kohl 's Corporate is willing to assist.
Product: Checking or savings account

On XXXX XXXX at approximately XXXX XXXX there was 2 Authorized transactions the actions one transaction was for {$400.00} and the other one was for {$200.00} ... .I called chime and they said they found no error with my complaint .....
Product: Credit reporting, credit repair services, or other personal consumer reports

Id done everything in my power to ensure online credit card account was not easily accessible to anyone. 
Capital one has been my primary creditor for more than 2years ( not consecutively ), and I am a loyal, valuable customer and iI dont want to express my disappointment publicly. 
They closed my credit card account because of fraud application instead of recovering my online account due to it being compromised by a person pretending to be an employee from one of the online stores i used my card in.. they also removed my payment history for 2 years i never missed a payment.. i opened this card in XXXX 


, I appreciate your time and I understand the position youre in. But, please reconsider your decision and reimburse the money the thieves stole from me. Capital one can easily absorb this loss, while my family and I cant.
Product: Credit reporting or other personal consumer reports

All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. Edfinancial has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.
Product: Credit card

Capital One approved and opened different credit card account with different card benefits that I applied for. I applied for XXXX credit card with card benefits of {$200.00} cash bonus and promotional 0 % APR for purchases and balance transfer. Capital One opened and sent me XXXX credit card without these benefits.
Product: Mortgage

On XX/XX/2019 and XX/XX/2019, I made payments of {$600.00} each month to Ditech ( formerly Green Tree ). I generally had a payment of around {$58.00} due but I had overpaid with the amount of {$600.00} a month for a couple years online on the XXXX of the month. Ditech held the payments both months and did not apply the payments until XX/XX/2019. I repeatedly wrote to Ditech and asked them to backdate the payments to the dates received. Ditech did not and I accumulated additional interest because of Ditech 's failure to timely apply my payments. 

Ditech also took retaliatory steps to remove my Payment History from my online page since I printed it and used it to complain about their failure to timely apply my payments. Ditech also removed my messaging history so that the messages I had sent them to complain were removed. They still have payment history and messaging tabs available and I had been able to access this information online before I began to complain about their failure to apply XXXX XX/XX/19 and XX/XX/19 payments as of the date received and not 60 and 30 days later respectively.
Product: Debt collection

AMSHERCOLLECTIONSERVICE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Al XXXXhas report this account to the credit bureaus. They refuse to validate the debt and can prove this belong to me. 
AMSHERCOLLECTIONSERVI CES Last reported XX/XX/XXXX  {$360.00} Open balance XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Original creditor
Product: Money transfer, virtual currency, or money service

I sent payment to a person that turned out to be a fraud/scam via PayPal. 
Transaction XXXX Paid from my PayPal balance : {$190.00} XX/XX/year> Recipient : XXXX XXXX The person has blocked me since ( we were chatting on XXXX XXXX XXXX refused to send me the item he promised, and refused to refund I tried opening a case in Paypal with supporting information/screen shots of our chat. Paypal closed the case in favor of the seller and I was left with nothing. 
This user is a fraud and he just stole the money.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a recent dispute over fraud activity made on XX/XX/2019 about a hard pull. Capital One and I have had few conversations about it. Recently I went to consumer Financial Protection Bureau and capital one called me back on XX/XX/19 to remove the hard inquiry since it was fraud and not authorized by me. The problem was they said my date of birth did not match what I put on cfpb so I had to resubmit. I wanted to get this all straightened out with them as soon as possible with capital one and the credit companies so everything is accurate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out certified letters to all XXXX credit bureaus ( Experian ) ( Equifax ) ( XXXX ) requesting that they send me information that was validated. All Credit Bureaus failed to validate all information that was requested in 30 days. These accounts continue to reappear without any validation. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.