23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. 
On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a hold of my identification and social security number. I can no longer access my credit, bank account, XXXX, XXXX, XXXX, accounts. Someone has been taking my mail until recently when I got a po box .
Product: Debt collection

When I looked up my credit report on XXXX, I noticed these accounts were in collection. Two accounts went to this agency. Below I describe all the details I know but I'm also going to have them verify this debt with a letter requesting more information.

Account Name : Overton Russell Doerr Open Date : XX/XX/XXXX & Open Date : XX/XX/XXXX Balance : {$250.00} Balance : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX
Product: Credit card

Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016. 
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail. 

NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus. 
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve. 

Hence, because of this absence I am unable to file a small claims suit against them. 

Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency .... 
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves. 

Best regards, XXXX. 
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice
Product: Credit card

I am reaching out to via CFPB to file a complaint against Alliant XXXX Credit Union. I was recently approved for a credit card and they told me they had to ship it to the address on file. I pleaded to them that I am out of town for an emergency with my grandfather in XXXX and asked if they could leave my mailing address the same, but send this card to the address in XXXX because I don't know when I will be back. They REFUSED to do so and proceeded to send the card there anyways. I have a XXXX Camera at my house and someone came and stole the mail on my front porch where the card was also was!!! I KNEW THIS WOULD HAPPEN BEING WHICH IS WHY I ASKED THEM TO SEND THE CARD TO WHERE I AM CURRENTLY AT AS A ONE TIME COURTESY! THIS IS CRAZY! 

PLEASE ADVISE FOR THEM TO SEND THE CARD TO THE ADDRESS I AM CURRENTLY AT. THEY CAN LEAVE ALL THE ADDRESSES THE SAME. This is crazy!
Product: Student loan

I lost my job due to the Corona Virus Pandemic then broke my XXXX and had an issue with the XXXX and am going through intense Physical Therapy because I can not use my XXXX XXXX. I am right handed and am a XXXX XXXX/ XXXX XXXX/XXXX person and can not find work. This student loan company has been attempting to collect against me since the very beginning of the pandemic. I have told them repeatedly that I have no income yet they have not followed the governments rules since day one of the Pandemic XXXX keep adding interest every month to my loan and will not give me any more forbearance 's due to lack of any income. I am XXXX years old I am on food stamps and barely making it. My parents pay for my electric and cable bill and water bill because I have no income coming in yet they insist I make income based payments with no income coming in.On top of this the school was sued by many students back in the XXXX XXXX when I was a student there but I was to young to sue them. They closed up because of lawsuits because of illegal practices with student loans so I feel like I should not even owe this loan. I can not afford an attorney and need help please. Thank you.
Product: Mortgage

I was paying the mortgage payment on weekly basis and wells fargo bank did n't apply the payment towards principal and interest, they accumulate the payment and apply at the end of month My loan no is XXXX from XX/XX/XXXX i start paid Auto-Debit on weekly basis, I have account summary statement which shows the payment history. When i called wells fargo bank they told me my funds can not applied before the end of month, if thats the case they dont have to offer this, as the bank made money on my deposit and my loan was open for that period. I request the recording to wells fargo for the conversation and they said it takes 15 business days the work tobe completed.
Product: Checking or savings account

JPMorgan Chase continually defaults my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. I have not received ANY statements for any of my savings or checking accounts at JPMorgan Chase for several months now. I have escalated this matter with the bank. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.
Product: Credit card or prepaid card

I purchased a ring from XXXX XXXX on an XXXX  months no interest plan. The credit is issued by Comenity. I set auto pay through my bank to handle the monthly payments. A few months in I looked at the statement and Comentiy was charging me interest every month. Calling them resulted in no resolution, I addressed the situation with XXXX XXXX and they agree with me and have been calling Comenity with no resolution after 2 months. This has been escalated to XXXX 's district manager and Comenity is not calling them back. 

This is very frustrating and outright theft. They are not abiding by their promotional terms.
Product: Checking or savings account

On XX/XX/2024 my Juno account was frozen and I had no access to my money totaling : {$15000.00}. Juno was one of the XXXXXXXX XXXX that was affected due to XXXXXXXX XXXX XXXX XXXX decision to freeze accounts, leaving XXXX XXXX without an ACH processor. 

Link to Juno bank info XXXX XXXX XXXX XXXXXXXX Since then my account has been frozen and Juno, XXXXXXXX XXXX as well as other banks have gone to court. 

On XX/XX/2024 I was informed by XXXXXXXX XXXX through its reconciliation portal that my " XXXX Payment Amount '' would be {$6500.00}, despite my Juno account and provided XXXX XXXX Balance reflecting {$15000.00}. This creates a discrepancy of {$8600.00}. On XX/XX/2024, I received a notification of payment for {$6500.00} from XXXX via Check. 

I formally notified Evolved bank and Juno bank of the error under Regulation E ( 12 CFR 1005.11 ) in connection with my account, which is associated with Juno and XXXX and they have notified me that there is no error, which is incorrect. My Juno account still reflects the total amount of {$15000.00} that is still frozen. 

XXXX  copy of notice, screen shots of banking info, and as much more info i could gather on the " attache document section ''
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an account without my written instructions.
Product: Debt collection

This company makes repeated auto calls to my cell phone. After calling the number, I am told the line is being monitored by court order and they are trying to sue me for fraud. The person said that unless I would like to be served at my place of employment or provide a home address, I can pay them {$480.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, USAA sent me an offer for XXXX XXXX card with 0 % interest through XX/XX/XXXX. Email attached. I am a USAA member because my husband is a retired XXXX veteran and we have our vehicle insurance and our homeowner 's insurance through them. On XX/XX/XXXX I accepted the offer and clicked on the " apply now ''. It immediately took me to our USAA account and asked for my password & PIN then took me to the application where it had my husband 's name information pre-populated in the application and my name was only listed as able to check the box for authorized user. I completed the application and was approved for {$20000.00}. At the end of the application process it stated that whatever promotional offer I was receiving would be confirmed in my welcome packet. I got the welcome packet out of our mailbox on XX/XX/XXXX and activated both cards. I read the back for the CC agreement pricing schedule to verify my 0 % interest until XXXX. All it said was our interest rate was 15.15 %, so I initiated a " chat '' session online ( copy attached ) and requested they verify my promotional offer of no interest. I was told that the card offer was my husband 's and they had not offered him zero percent. Then they said it was not offered to me either. I offered to send them the email. I explained it came to my email, I clicked on it and it took me to our account. The only account we have with USAA that I pay our bill out of my bank account for the past 10+ years. Then they tried to say I have my own account separate from my husband. That is a lie - We have one auto policy and one homeowner 's policy etc. We ended the chat and my husband called USAA and spoke with XXXX who proceeded to tell us the same thing and that USAA would not honor the zero interest offer. I have a video of what happens when you click on the zero percent offer - how it takes me to my account and my husband 's name is already pre-populated in the application where I can not change it to my name. This is deceptive trade practice and bait & switch tactics. Predatory lending b/c had I not read the cc agreement pricing schedule and initiated the investigation about the interest rate, I would have charged a {$15000.00} XXXX  in XXXX, thinking it was zero interest when it wasn't. They were very adamant that the zero percent interest was not my offer, etc. I have the email and the video of what happens when you click to apply. The chat operator, XXXX, stated she had filed a formal complaint on XX/XX/XXXX, but to date, we have heard nothing. I would like to submit the video of clicking on the offer and it taking me to my USAA account with my husbands name pre-populated in the application where I can not change it, but it will not let me upload the video due to size. Please let me know how I can submit it.
Product: Credit card

On Thursday, XX/XX/XXXX, my wife made a payment towards our credit card. She didn't realize that it had gone through so she used a different method and now Bank of America has charged us twice. When we called Bank of America to try to remediate the issue. They told us that it needs to process and it'll take 24 hours to return our money. This is now XX/XX/XXXX. We are now on the phone of Bank of America. We started at XXXXXXXX XXXX XXXX XXXX. It is now XXXXXXXX XXXX XXXX XXXX. Bank of America is refusing to return our funds in the time frame that they told us on the phone yesterday. They are now saying that they're going to hold our money for a minimum of 10 days while charging us overdraft fees. I know that it's XXXX  XXXX XXXX and they keep their foot on our throats at all times. But now they're just not even giving me back my money so I can pay my bills. They're greedy and they do not care about their customer base. This is an abomination and frankly I think Bank of America should be audited and shut down.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. 

I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. 

XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. 

Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. 

That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. 

I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. 

Thank you so much, XXXX XXXX
Product: Credit card or prepaid card

I believe that I was treated unfairly by the credit card company. I had held the card for over twenty years and paid my full balance on time. However, on XX/XX/XXXX I signed up for paperless statements for my XXXX/Barkley Credit Card. I did not use that card regularly so I hadnt noticed that I hadnt received an electronic bill for a {$6.00} car wash that I made on XX/XX/XXXX. The emails must have gone into my junk mail. I also never saw any notices about late fees. It wasnt until after they closed my account, because of a {$6.00} charge, that I received a notice in the postal mail on XX/XX/XXXX. I dont think it was fair that they didnt give me a warning by mail. Since, I had just signed up for paperless and never responded to emails it seems like that would be protocol to have reached out to me by postal mail for phone. 

I contacted Barkley the day I received the notice in the mail that my account had been closed. I immediately paid the balance. The woman on the phone was able to forgive most the late fees and interest because she said I had been a loyal customer. She also told me that she was aware that XXXX statements had gone into other peoples junk mail. 

At the time I had no idea how it was going to affect my credit score that had been XXXX and in the 800s for years. This one {$6.00} incident caused it to drop to XXXX. It hasnt gone much higher since then. 

I contacted XXXX by mail and I asked them to adjust what they had reported to the credit agencies especially since the bill had been paid and that I had always paid my bills on time. 
They sent me a letter that said they could not adjust my account to eliminate the problem to my credit score. They stated it would create an inaccurate representation of your account. 
But this reporting causing this dropped score is what does not correctly represent my credit history. 
They never sent me a hard copy in the mail before shutting my account. I have a XXXX XXXX that I have a monthly balance of at least {$1200.00} that gets paid immediately and I never carry a balance. But a missed {$6.00} bill dropped my FICO score over 100 points. That is not a fair representation of my credit. 

I also contacted the three credit bureaus. The responses were hard to read but it appears that XXXX XXXX reply dated XX/XX/XXXX told me the information does not currently appear on my credit report. It looks like XXXX on XX/XX/XXXX also said it wasnt reported on their credit file. I did not receive a response from XXXX, but was so frustrated I dropped it. However, since then my car insurance went up because of my lowered score. Furthermore, in XXXX when I bought a new car I qualified for 0 % interest, I recently traded in that car and my new car loan is 6 %. So realizing the devastating effect the inaccurate portrayal of my financial situation and credit history is taking, I have continued to ask people what to do and someone recently encouraged me to reach out to the federal Consume Financial Protection Bureau.
Product: Mortgage

My loan was sold and the new loan holders terms/conditions on the flood policies are different than my original loan holder. This is costing me more money. I did not agree to the new terms/conditions.
Product: Mortgage

I have been on mortgage with PRMG ( PARAMOUNT RESIDENTIAL MORTGAGE GROUP , INC. ) Corporate office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
I have not received any Tax document from them for past three years. 
I have tried numerous time to get it resolved. They have not able to give me access to my online account from the day I have been on their mortgage. No visibility on my account for all the payments I have been making. I have tried numerous times to send the statements they have not provided any to me till date.
Product: Checking or savings account

On XX/XX/2021 I initiated an ACH transfer from Comenity Direct Bank to transfer funds from my Money Market account at XXXX XXXX XXXX XXXX in the amount of {$490000.00}. The following day, XX/XX/2021, I learned that the XXXX XXXX XXXX account had closed and the funds were transferred into my XXXX savings account. I tried to remedy the situation by calling Comenity and advising them and also set up my XXXX savings account at Comenity to allow for ACH transfers. On XXXX XXXX I linked the XXXX savings account to Commenity bank and successfully reinitiated the transfer of funds from my XXXX savings account to my savings account at Commenity XXXX in the same amount. 
On XX/XX/2021, Commenity charged back for the initial ACH transfer that could not be completed, however around the same time they placed a restriction on the account denying me access to all funds in the account. After making several calls to resolve the matter, on XX/XX/XXXX I was told by XXXX on the account protection team that the hold should not have been made and that it would probably be released in 3 hrs on the same day. On XX/XX/XXXX, I called in the morning and am being told that two managers have signed off to release the hold, but there is yet one more manager who still needs to approve of the release of the restriction which was the same thing I was told the day before. I asked for the managers name when I called on XX/XX/XXXX and they said they would send the persons name to me by secure message. I have not yet been provided the name of the manager and I am also told that the person is not on vacation. It has now been 17 days since the restriction was placed on my account and I have not been given an explanation as to why my funds are being withheld. I am not seeing an end in site since I keep being told it will take 3 to 5 business days and they are still waiting on one specific manager to sign off on the restriction. This is an absurd, frustrating and time consuming process that makes no sense. I ham not being contacted by Commenity or being given any information as to why I can not access my funds. I am requesting the Consumer Financial Protection Bureau assist me in gaining access to my deposits as it feels like the process is completely stuck!