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

In 2021, I initially requested debt validation from Pro Collect as well as asking XXXX, XXXX, and XXXX to investigate that the information being reported on my consumer report was accurate. Procollect at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with Procollect or XXXX so as I requested again the due diligence is on the XXXX XXXX to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor Procollect. 

I have asked Procollect to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact.

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Product: Mortgage

I sent Selene Finance an insurance check from XXXX XXXX to pay off the balance of my mortgage on XX/XX/year>. I was informed check was received and would be paid off XX/XX/year>. They never paid off my mortgage and they say their pay off department isn't responding to their emails. I had to unnecessarily make my mortgage payment XX/XX/year> just to keep house from foreclosing since pay off department isn't doing their job.
Product: Credit reporting or other personal consumer reports

Ive previously disputed with Experian.com about XXXX XXXXXXXX XXXX XXXX XXXXXXXX being reported on my credit through Experian.com credit monitoring system. Experian responded that it was accurate stating that they had verified it with The XXXX XXXX XXXX XXXX XXXXXXXX. I questioned the Experian representative on the phone about the results and was also told that Experian.con checked with the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and verified it to be accurate. I then contacted XXXX XXXX XXXX XXXX XXXXXXXX ( Bankruptcy court ) directly and their response as enclosed says the Bankruptcy court does not report to any credit bureau monitoring system. The letter named Experian along with others. Therefore Experian original response that its company verification with The XXXX XXXX XXXX XXXX XXXXXXXX was either an error or and false information. Either way the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681l ) 15 US Code 1681 ( c ) 2 and 15 US code 1681 ( a ) 4. This information reported must be deleted. I was also told that the courts sends the letters directly to Experian. The courts said that wasnt accurate. The dont report and have never sent letters directly to Experian.
Product: Prepaid card

I bought a {$300.00} American Express electric gift card from XXXX XXXX XXXX on XX/XX/year>, and was trying to add it into my XXXX XXXX to use for my daily shopping. However, when I tried to add to XXXX XXXX, it kept saying there are issue adding the card. I have contacted both American Express and American Express Gift Card department for help, but American Express team tell me to reach out to American Express Gift card team and the American Express Gift Card team just have a voice bot that does not resolve my issue, not direct me to anyone who can help. 

I also tried buying some XXXX gift card with the American Express electronic gift card, and the transaction was denied. At this point, I am just throwing {$300.00} at AMEX for no reason, and pretty much a scamming scheme from my point of view.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the {$230.00} now {$300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold per validation of debt and HIPPA authorization.
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood on XX/XX/XXXX and XXXX deposits. The first deposit was done as an instant debit card deposit of {$1000.00} and the second deposit was {$2000.00}. I purchased XXXX for {$2000.00} as the remaining {$1000.00} was placed on hold for 3-4 days in order to clear. I was given 50 % of the XXXX deposit to invest immediately. I had XXXX in XXXX and XXXX XXXX on hold. The hold was lifted and then my account was placed with a restriction. With this restriction, I'm not able to purchase more XXXX  but was able to sell. It didn't feel right that this happened so I sold my XXXX of XXXX and now had XXXX minus selling fees which is {$2900.00}. I attempted to process a withdrawal and was denied due to the restriction. The only access i had was to process more deposits into Robinhood ( XXXX ). Every day for the past 10 days says I will have a decision on the restriction the next calendar day. Every day the message updates that the next calendar day. I have attempted multiple times to contact them through the Robinhood app and haven't received a response. This is extremely XXXX  and unprofessional. My money is being hijacked and want to make my withdraw and run. 
After researching online about Robinhood, there are XXXX  of complaints very similar to my current situation and is extremely alarming why they would continue with these deceptive and unethical practices. Many of the people complained to the CFPB about their complaints and got immediate responses and resolution from Robinhood. I need my money back and yes it came from my bank account and debit card.
Product: Credit card

Signed up for a credit card with Synchrony bank to obtain a transmission repair and even with consistent payments on the card that were in compliance with minimums, the promotional no interest rates for a year seems to not have occured and even with half of the limit paid, I still owe more than what i originally placed on the card itself. Along with this a physical card was never sent to me even though I was informed that I would receive on after signing up.
Product: Debt collection

On XX/XX/XXXX, Ive received an email from XXXX XXXX XXXX XXXX XXXX regarding changes to an account. Therefore, Ive replied same day stating this was an error and fraud, never did I open an account with the company. I called a day or couple days later, and spoke to a representative. She ensured that the account ( s ) will be placed on hold for further investigation. A week later, Ive received a fraudulent claim form to fill out from the bank, which was filled out and sent back to the forwarding address. On XX/XX/XXXX, Ive received a statement from the bank statement which included account bank, which led me to believe the bank proceeded with active account. On XX/XX/XXXX, Ive received a Special Adverse Action Notice which indicated Deposits/Savings were terminated/closed/suspended/other and reason to termination was CHARGE OFF. In XX/XX/XXXX, Ive called the customer service line and spoke to a representative who ensured that all accounts were closed and there were no further worries. On XX/XX/XXXX, Ive received a debt collection letter from Viking Client Services , LLC regarding a {$500.00} debt I owe, which stated as of XX/XX/XXXX. 

Please note, there was a police report regarding this case on XX/XX/XXXX. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

This complaint involve s Ocwen Bank.  My mother and her partner owned a home in  XXXX  Arizona. My mothers partner died over   XXXX   XXXX   XXXX  . My mom died   XXXX   XXXX   XXXX   I am the successor trustee for my mom. I have since   XXXX    tried  to get Ocwen to change the mailing address and get me information on the mortgage so we can pay them. My mom paid on line so did n't receive mortgage statements. I have provided on numerous occasions all documentation showing both parties died and that I am the successor trustee of my moms trust as well ad death certificates. They refuse to change the address or to give me any information. The home is vacant for 4 months. Ocwen will only accept faxes, no e-mails or other communication allowed. They say after the fax is received, they will contact you within 3 days, but it usually takes about  XXXX  weeks. The folks working for  Ocwen  including managers are like robots and they repeat the same arguments that I am not entitled to any mail nor any information on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX 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
Product: Debt collection

This is a credit card debt that is from 2014. The creditor is XXXX XXXX. I was laid off in XXXX of 2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now XXXX refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX  attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.
Product: Debt collection

I had a XXXX bill from a former employer for {$500.00}. plus do n't remember the exact amount XXXX and clark county collections XXXX aquired the debt. i made payments and notified them that I was switching jobs and when I received a check the next month, I gave them a payment and have paid them every since. they are charging me an extra {$600.00} to {$800.00} on the original amount. I explained to them in the beginning that I was a XXXX worker and my work varied they said they would work with me but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX account XXXX Please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccuracies in my credit report with Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts identified as fraudulent due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to this action to protect my credit report from unauthorized and fraudulent information. 
The following accounts have been flagged as fraudulent and require immediate action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

on XXXX XXXX I submitted a dispute to the credit bureaus XXXX, XXXX and XXXX concerning an account from carmax auto finance reporting the account as a charge off when the account was settle by the insurance company. It should be reporting as paid in good standing not negative.
Product: Debt collection

I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.
Product: Money transfer, virtual currency, or money service

2 separate accounts we have with merchant for 2 separate businesses were shut down with no notice and reversed all transactions.

There is no phone support for merchant.

Online merchant support says will respond in 2 business days. Its been over 3 weeks with zero response.

Additionally nearly 100 % of our payees have faced similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Product: Mortgage

RoundPoint Mortgage purchased my mortgage from prior lender. They have tried to raise my monthly payments by over {$700.00} per month but we paid a lump sum and it only went up about {$450.00} per month. The reason for the increase is because they say we had insufficient $ in escrow. I am over age XXXX and homestead my home. I do not agree with the taxes they are charging me. I have written them and no response ( documentation attached ). I have held for over 90 minutes only to get them to tell me they have no record of my correspondence. I have been hung-up on by the telephone staff. I have been refused multiple times for a face-to-face meeting with their local office. I can get absolutely no help from RoundPoint Mortgage and I can move my mortgage since interest rates are significantly higher now than when I bought my home.
Product: Credit card or prepaid card

My credit card account is with Capital One. I have a balance at two different interest rates. Last billing cycle I paid more than the minimum payment due, but Capital One applied the excess payment to the balance with a lower interest rate. I called Capital One on XX/XX/XXXX and they told me I would need to pay the entire balance on the card if I wanted payments applied to the balance at the higher interest rate. Capital One 's policy is in direct conflict with the credit card act of XXXX. All payments above the minimum payment due should be applied to the highest interest rate.
Product: Checking or savings account

I had made transfer through XXXX and I made wrong transfer to wrong person. I right after found out I did wrong. I have disputed transaction and bank said they need to check before reversal transaction. As of XX/XX/XXXX, I spoke with person who I transfer wrong. He gave me receipt that his bank was transferred back to my bank. However, until now bank of america which is also my bank did not refund that amount to me. I felt like they dont want to return money and eventhough the another bank had made refund. I look like fishy and they want to steal my money
Product: Credit reporting, credit repair services, or other personal consumer reports

As background, I authorized a fraud alert on XXXX, XXXX  and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my XXXX report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted XXXX on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against Sears, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.
Product: Prepaid card

Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report through TransUnion in XX/XX/XXXX & noticed I had 9 unauthorized hard inquiries on my credit report. I contacted all the companies and after speaking with them they looked into there records and were unable to provide any proof of these inquiries. I sent a letter to TransUnion on XX/XX/XXXX in order to get them deleted, I never heard back and contacted them through phone again on XX/XX/XXXX and they were not willing to help me. I have listed all the unauthorized inquiries below along with dates. 

-XXXX XXXX on XX/XX/XXXX -XXXX  on XX/XX/XXXX -XXXX XXXX XXXX via XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XXXX  via XXXX on XX/XX/XXXX -XXXX XXXX via XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX