23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a modification from the loan servicer PHH Mortgage. Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I was denied because there is too much equity in the home and to contact the investor who is XXXX XXXX. XXXX XXXX was no help they told me I had to submit a letter to the correspondence dept. Myself n my XXXX was affect by the pandemic and XXXX XXXX. Since than my financial situation has changed and Im in a better place to make payments. They are refusing payments they just want a reinstatement amount in full. They are refusing to work with me and they have contacted an attorney to begin foreclosure proceedings.
Product: Debt collection

this complaint is continue for the case XXXX which was filed on XX/XX/XXXX. 

After the first complaint filed, the bank did contacted me and told me they are working on it, and transferred my case to their searching department. I was happy with their response. but they are very slow as they responded to this case like around 60 days. I also made my XX/XX/XXXX payment which I should pay and received on XX/XX/XXXX. 

I requested payment history, but I never received it from the bank. what they are doing is trying to collect the debt I didn't own. 

I can wait if they are doing searching, but their collect department keeps bothering me and my wife, trying to collect the money which I should not pay, it already interrupt our regular daily life. they don't have any communication between different deportment. their searching department response is very slow, but their collection depart is too active. 

If they couldn't resolve the issue with short time, please ask their collect deportment stop collecting the debt before they finish their searching job. Here I updated the supporting material in the attachment.
Product: Credit reporting or other personal consumer reports

I have tried to get into my equifax account via email and phone but since I can not answer the question asked about loans I Mmmm someone tried to obtain during covid in my social or name it does not let me get to a live agent. Ive mailed a letter as well with no success. This could be why my credit is suffering and I can not get any type of loan or dispute what means not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed up for Barclays Bank in Delaware credit card but its on my report, I dont have the credit card and I dont have any information about it, I called the company and told them my name and they asked me for my account number, I told them I dont have one and they said they can not help me, so I went on XXXX  XXXX  to dispute and they told XXXX  that the credit report is correct and its staying on my report but when I called them they said I dont have an account so they lied to me and they didnt except the dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Checking or savings account

Received unreasonable fine from bank for overdraft of checking account This was unfair and was sued three times on the same day. I talked to the bank many times, but they refused to cancel. I think such charges are unfair and illegal. This means that consumer exploitation is very angry,
Product: Credit card

american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen
Product: Debt collection

My information was involved in the XXXX Data Breach. I have requested several times for proof of debt and original contract. Account showing on XXXX and resolved and documentation was not received. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit card or prepaid card

I have a debt consolidation company that has taken over all my credit card accounts including this one with Bank of America since XX/XX/XXXX. I have received numerous calls and threats by this company even though they have received numerous documents stating that this account is being handled by a debt consolidation company. 

As of XX/XX/XXXX I received a document in the mail stating that Bank of America has filed a judgement against me to have me appear in court on XXXX XXXX at XXXX. I have no way of paying for this at this time due to it being handled by a debt consolidation company. 

Please feel free to contact me if you have any further questions. 

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

On XXXX XXXX I learned from a press release from Equifax that my personal information had been stolen. This includes my name, date of birth, social security number and potentially my credit card numbers. This breach occurred due to Equifax storing my information in a insecure fashion. Per Equifax this breach occurred XXXX through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, this item that resulted from fraud which I never benefitted from still appears on my credit report. This is already deleted by both XXXX and XXXX and blocked from reporting this fraudulent account. This has been already reported to the Federal Trade Commission but nothing is removed which is absolutely stressing me out, this is a blatant violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

Unfortunately I have no choice but to reach out here as I have exhausted all other methods of communication with PayPal, Synchrony Bank and the collections agency. All of these entities state the issue is the other agencies fault and are unwilling or incapable of accepting responsibility, providing assistance and refuse to speak to each other regarding my account, so that we may resolve this issue. 

I placed a purchase with PayPal a few months ago for an event that was ultimately cancelled. I waited for the refund, but it never came. I reached out to PayPal and they said the payment was in a weird status, they informed me that they were physically unable to do anything with the transaction, but they had me fax evidence that the event was cancelled and walked me through requesting a cancellation for the transaction. I put in the request, faxed over the evidence and after a few days they canceled the payment ; I thought that was the end of it. Unfortunately I am now finding out that PayPal has placed an unauthorized charge on my PayPal account for {$2000.00} and sold the account to collections without ever contacting me or informing me there was any kind of an issue. 

After many hours and many phone calls to Synchrony bank, PayPal and a collections agency, I have been told multiple times that neither party is willing to communicate with each other regarding my account, they are each telling me to contact the other company and theyre unwilling to provide a reasonable resolution. The only manager that im aware that I spoke with was from Synchrony Bank. She offered to issue a check in the amount of {$2000.00}, however she stated by issuing the check they would debit my PayPal  credit account for that {$2000.00} then reverse the refund transaction from the account leaving me to owe Synchrony Bank {$2000.00} for a purchase that was refunded. I am left with no reasonable resolution, a credit default against me and can only come to the conclusion that PayPal, Synchrony Bank and this collection agency are coordinating efforts to intentionally defraud customer accounts, sell those accounts to generate a profit, while also retaining the authority to prevent customers from escalating these issues and actively suppress attempts to contact their leadership for assistance. I have even gone as far as emailing PayPal and Synchrony Banks investor relations, reached out to leadership and company social media accounts, emailed Synchrony ethics division, filed a XXXX  XXXX  XXXX  complaint, submitted a complaint to the Federal Trade Commission, filed a complaint with the FBI, submitted an official report with the Texas Attorney General and filled out an official police report with local law enforcement in order to get this issue resolved and I am still unable to communicate with any executive leadership or get a resolution from PayPal or Synchrony Bank.
Product: Debt collection

Around XX/XX/2020 I contacted Credit Manage Services , Inc. of XXXX XXXX, XXXX to pay the balance due on an account they had received from XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX. I had been in regular contact with XXXX XXXX office manager, XXXX, about this account. She had decided it was a health insurance billing issue and told be she instructed Credit Management Services to hold all collection efforts until the situation was further investigated. 
Credit Management Services XXXX Inc by way of XXXX XXXX attorney filed a lawsuit agaist me for the aprox {$700.00} balance. I contacted the original XXXX XXXX and XXXX confirmed she instructed Credit Management to hold any proceedings. I contacted Credit Management via phone and as told, " yes we had got that information from the client, but we wanted the judgement anyway ''. I informed the debtor of this and she removed the file from the collection agency, although the collection company wanted fees. 
I called in XXXX to pay the fees of aprox {$130.00} to satisfy the judgement and clear the record. On that call I was informed that there was another account the had been placed with them for over {$37000.00}. I stated I had no knowledge of this account and requested they provide details via USPS so I could validate. 
I have no other communication written or telephone after that until I received a summon s from county court. The summon indicated Credit Management Services , Inc. was  suing me for {$37000.00}. 
I have no opportunity to be informed of the alleged debt or request validation. I also have not been given the option to ensure the debt was validly passed on to the collection agency specifically not violating HIPPA laws. 
This is how the first case was handled too. It seem as XXXX XXXX is trying to operate as a debt collector but functioning as a attorney not adhering to FDCA. 
I can provide the summons and court documents if requested. 
Again they provided no notice of the debt, no opportunity to dispute or request validation and other actions required by federal law. 
I have filed complaints with the XXXX  Attorney General, XXXX  and will possible file a counter suit for violations. 
Consumer deserve protection from these unscrumptious attorneys acting as debt collects and not disclosing they are acting as debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps providing and then verifying incorrect information to credit bureaus, ruining my credit rating unfairly. Navient is reporting different information to all bureaus, they are reporting a charge off or a late mark every single month on accounts that have been closed for almost 7 years. I sent a debt validation letter to the Bureaus on XX/XX/20. Navient verified all of the information which is different for each bureau on the same account. How is this validated if all the information is different? I sent a factual dispute to the bureaus, they spoke to Navient and even though there is proof in the letters and a detailed breakdown of what information is wrong, they still validated the incorrect information. Since you are purposely providing incorrect information about these six charge off accounts to the bureaus in an attempt to ruin my credit, I want them all removed from all of the credit bureaus immediately or I will seek legal action.
Product: Student loan

So during my time in college I was told that I was able to take a loan out through XXXX or XXXX and did not have to pay back through the contract and speakings. Im struggling due to Covid and hurricanes because I live in Louisiana and I cant catch a break and its bringing my credit down slowly and I just cant pay for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN the also have records of file the are wrong.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, XXXX, or Equifax. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the equifax data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXabout some hard inquiries that I did not authorize. Experian told me that I would have to call each creditor, well I called the creditors XX/XX/XXXX,XX/XX/XXXXand they told me that I would have to call Experian because Experian is the only one to take them off. I called Experian and they said that they could not take them off. I even wrote a hard inquiry removal letterXX/XX/XXXX, providing my DL, SS card, a utility bill, and they sent me a letter back saying that they still could not take them off. This is very frustrating and unfair because I did not authorize those inquiries. It is a total of XXXX, that I didnt authorize. I only authorized XXXX XXXX, XXXX XXXX XXXX, and XXXX. The others I didnt authorize.
Product: Money transfer, virtual currency, or money service

the date was XX/XX/23 and i wanted to send get a large amount of money someone sent me on cash app. i got a email saying i needed to send {$80.00} to activate my bitcoin wallet, the email ( at first glance ) looked real so i sent the {$80.00} then they asked for {$400.00}! THEY SENT A FAKE EMAIL WITH CASHAPPS EMAIL ADRESS i didn't send them the XXXX but ANOTHER SCAMMER IN THE SAME CIRCLE SAID PAY THEM AND THEY COULD TRASNFER IT! i could not transfer funds due to me trying too many times. i really need to the money so i sent the {$200.00} to the account on paypal he said it didn't go through so i sent it again! he then said it will transfered " Tomorrow '' I haven't heard from him since i want him arrested and i want a full refund of {$480.00}!!! CASH APP AND XXXX ARE NO HELP!!
Product: Credit card or prepaid card

See attached legal paper. 



I swear that the following is true. 
1. Defendant owes me {$100.00} for the claim in paragraph 2.

plus the filing fee of {$60.00} plus OCAP document fee {$20.00} plus an estimated service fee of {$200.00} for a total of : {$380.00} plus prejudgment interest, if qualified for prejudgment interest.

2. The events happened on XX/XX/2021. My claim is based on the following facts.

1. The defendant operates a credit card named Upromise.

2. The plaintiff owns this card probably more than 10 years. 
3. In XXXX, the defendant sent the plaintiff a promotion rate convenience check book. 
4. The plaintiff wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. 
5. Called the defendant on XX/XX/2021, was told the check only can be used to pay other credit card. 
6. Checked the checks received, it says " You may also be able to transfer funds from your available credit directly into your checking account. '' XX/XX/2021 Small Claims Affidavit and Summons Page 1 7. Called the defendant several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center the plaintiff was able to leave a note in his account that the plaintiff called that day and seeking a solution. The operator is named XXXX. It was XX/XX/2021. 
8. Late on the plaintiff was able to use the same convenience checks to make two balance transfers to the plaintiff 's checking account, indicating the check has no problem to be deposited into a checking account. The two transfers totaled more than {$6500.00}, indicating the plaintiff had enough credit to make the first transfer attempt on XX/XX/2021. It is not true that the defendant claimed that those checks are only good for balance transfer to other credit cards.

9. Then the defendant insisted my mailing address is wrong and changed my mailing address. The plaintiff changed the mailing address back on XX/XX/2021. There is nothing wrong in the mailing address. It is a technique the defendant used to avoid responsibility. 
10. The plaintiff will seek a payment to offset a check bouncing fee charged by XXXX bank that is {$12.00} on XX/XX/2021 XXXX. The plaintiff will seek a {$88.00} for my time wasted on this issue.

12. The plaintiff will seek a {$80.00} filing fee for this case.

13. The plaintiff will seek a {$200.00} return of service fee for summon delivery.

14. The plaintiff seek a total damage of {$380.00}.

15. The plaintiff will seek possible more damages that come in the future.

3. The events happened within the jurisdiction of the court.

4. I am not suing a government entity. I am not suing a government employee for the employees on-the-job conduct.

5. I am not suing on a claim that has been assigned to me. 
I declare under criminal penalty under the law of Utah that everything stated in this document is true. Signed at : XXXX, Utah XX/XX/2021 Signature Date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX double times with same dates. 

SYNCB Inquiry : XXXX. XXXX, XXXX
Product: Credit card

I received a debit card from Netspend in the mail which I did not request. I contacted them via the telephone # on the website to let them I'd know I'd been a victim of fraud. However, Netspend customer service told me they needed to confirm my social security # to close the account which I did not want to give them. They claimed the card had been frozen but would not share any details. Instead, they suggested I contact the FTC.
Product: Credit reporting or other personal consumer reports

I have applied for credit in the past and been declined because my Experian credit report is frozen. I have downloaded their app and unfrozen my report only to be told that my credit report is still frozen!? I am trying to apply for credit again and told my report is still frozen, even though I unfrozen it on the app. I have tried calling Experian several times, however their computerized phone system, no matter what I say, tells me it is not authorized to allow me to speak with a representative??!! Experian offers no chat function or other way to communicate with them. How can a company this vital to our financial system be allowed to offer NO customer service!!? Experian 's lack of customer support is costing me the ability to apply for credit!!!! This has already cost me hours of my time! Completely Unacceptable!
Product: Mortgage

In reviewing transaction history due to the other issues submitted in previous complaints, I discovered a GROSS misallocation of funds. I have multiple payments being documented as being applied to the same due date and some are noted as being past due when they clearly are not. The records are completely inaccurate and unclear as to where and how my money is being handled and applied as shown in the attached document. The Lender was pulling my payments automatically so it is not physically possible for them to have been late as noted and it is clearly recorded they posted early yet have notations of being late.
Product: Money transfer, virtual currency, or money service

My Coinbase wallet was hacked and funds were withdrawn without my knowledge or consent. 

I complained to Coinbase last month and asked them to reimburse my account under Regulation E of the Electronic Funds Transfer Act.

Coinbase has refused to reimburse me without a valid reason or explanation. 

I have attached the complaint letter sent to Coinbase, and their rejection. 

I ask the CFPB to investigate the matter and help me resolve the issue at hand. 

Thank you, XXXX XXXX
Product: Mortgage

We got too many modifications and we got a notice of for XX/XX/2016 is {$1000.00} we have XXXX days to pay for the default by XX/XX/2016 .we were dealing with XXXX from specialized loan servicing, our a point of contact was XXXX XXXX customer XXXX department .back in XX/XX/XXXX I went to XXXX on a short notice because the doctors have given my sister XXXX months to live and at that time we were going through a modification I got a phone call from my husband and he told me miss XXXX said we did n't have to make the XX/XX/XXXX trial payment so my husband did not make XX/XX/XXXX trial payment then we got a letter from specialized loan servicing saying we had until XX/XX/2016 of {$1000.00} otherwise we will be foreclosed.Also they told us Miss XXXX is n't our point XXXX contact anymore.We would like to know why so many modifications? Also XXXX Bank is our third XXXX XXXX