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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The accounts that are in question should be removed from my credit file thses accounts have passed the statue of reporting these account have reported as delinquent as of XXXX. 
Which the statue is seven years from the first date of reporting the delinquency. 
XXXX ( XXXX ) first reported XXXX. 
XXXX ( XXXX ) first reported XXXX XXXX XXXX
Product: Mortgage

The Bank is denied knowing of the remedy for resolution but was well aware but took advantage of an elderly XXXX woman court documents showing that they were aware and choose to deceive me in their actions of removing my name from title and said that there was a mistake made and they would recind the sale and proceed with discussed resolution
Product: Debt collection

ON Friday, XXXX, XXXX, XXXX, my son, a friend, and I received a call/message from XXXX XXXX, and investigator for XXXX '' saying he was scheduled to come out and serve me a summons on Monday the XXXX at my house or place of employment. I could avoid this action by calling the petitioner, and gave an XXXX number. Said if I did not call that day, they would place a body attachment on me for contempt. This exact information was repeated on all three calls or message. 
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney, checked my credit report, and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address, and it is the same address of another company, XXXX XXXX XXXX XXXX, that attempted this same thing with me in XXXX. At that time, a collection had been placed on my credit file, which I disputed and proved payment, and it has been removed from my credit report. I filed a complaint at that time on that company as well. 
Since the debt has been paid and the company issuing the loan has since closed, I feel sure this is a scam, and the company has violated laws with their threats and sharing of information to other persons who are not me.
Product: Checking or savings account

XX/XX/22 transferred {$190000.00} from San Diego County Credit Union XXXX to XXXX XXXX account XXXX. The person who did the transfer was XXXX XXXX XXXX and they did not take his age into consideration. They should not have approved the transaction.without consulting the wife who is a co-owner of the savings account. Being a customer for over 30 years and weekly visits they have done a due diligence to at least call the wife who is co-owner. We have used the bank for investments as well.
Product: Debt collection

XX/XX/XXXX My mother received a call from XXXX from XXXX XXXX XXXX looking for me. He left a phone number ( XXXX ) and file number of XXXX and asked that I call him back regarding a civil matter. When I called I spoke with a XXXX XXXX who said he was with XXXX & XXXX and proceeded to " verify '' my information. He read my name, address and last XXXX of my social and said I have a debt that needs to be settled. He would not tell me who the creditor was. I asked what state his firm was located in and he refused the information. After going back and forth, and only being told numerous times that the call is being recorded he told me that it was Indigo Card and that XXXX & XXXX represented them and were going to sue me. I asked for him to send me a copy of all the information and the verification of the debt and I would gladly speak with him, but that I would neither confirm any of my personal information over the phone nor take responsibility for a debt that I wasn't sure was mine. He started to yell at me at which point I hung up. 

XX/XX/XXXX My brother and his wife both received a call from XXXX with XXXX ( XXXX ) regarding File # XXXX and asked them to have me call him. When I called it was again XXXX XXXX XXXX. This time I spoke with XXXX who gave me the information I had requested in my first call. 

I let XXXX know that I have never received a direct phone call and asked that they only contact me and not my family members. I never gave my family members information out and am not sure how they obtained it. She told me that if they were over XXXX they would have to put in the request themselves, to which I repeated that they are to call me for a debt they claim is mine. 

They are being untruthful beginning with who they say they are representing when calling my family then when I call I get an entirely different company name and their file numbers also do not match. 

As a result of this call, this " debt '' is still unresolved as they won't send me any information and have asked that I call the creditor to resolve the issue.
Product: Checking or savings account

I have a savings account with Synchrony bank.The bank refuses to close my account and refund my money.At the same time it doesn't allow me to access my money in any way.This is happens for no reason.Every time I contact the bank, ( XX/XX/XXXX and XX/XX/XXXX phone call ) it says it will refund my money ( in seven to ten business days or three to four business days ) through another account of mine linked to this savings account.This never happens. I can't use my money for XXXX months without reason.Also employees of this bank are pressuring me to tell them bank account details ( XX/XX/XXXX phone call ) which is linked to that particular savings account, and all over the phone verbally and unsafe.The official bank already knows this information.Why are their employees asking for it again?
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/XXXX XXXX purchase Gyen which is a type of Crypto currency on coinbase plat form invested several amounts totaling XXXX dollars, on XX/XX/XXXX I had a total of XXXX coins of XXXX Coinbase seized trading for that crypto meaning no one can buy sell withdraw or deposit which is not far since other exchanges where trading it. At the time when I bought it it was XXXX now its XXXX I lost more then half what i invested because I wasn't able to trade it. Now I don't have it at all Coinbase completely deleted that coin and amount from my account. they left my account with XXXX cents I have all screen shots and confirmations when I purchased it and up to XX/XX/XXXX what balance I had till coinbase removed it from my account. I have contacted them by email and phone with no help or ways to solve this. This seems to me from reading other social media sites like XXXX, XXXX and XXXX that it has happened to several XXXX XXXX people. Please help me recover what I lost and please investigate the fraudulent activity coinbase is doing.
Product: Debt collection

Repeated calls. 
4 calls without voicemail on XX/XX/19 6 calls without voicemail on XX/XX/19 2 calls without voicemail on XX/XX/19 1 call without voicemail on XX/XX/19 5 calls without voicemail on XX/XX/19 3 calls without voicemail on XX/XX/19 all calls begin at almost exactly XXXX, and end at XXXX. 

This is only the calls from the most recent number. I have blocked multiple numbers from them for about 5 months.
Product: Debt collection

I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to Franklin Collections Services and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
Product: Debt collection

NOT LICENSED IN THE XXXX XXXX XXXX 
VIOLATION : XXXX. 

If a debt collector is attempting to collect a debt from a XXXX  resident or within the state of XXXX, they may be subject to XXXX XXXX debt collection laws and may need to be licensed or registered in the state, regardless of where they are based. 

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that also governs debt collection practices across the country. It applies to debt collectors who are collecting debts on behalf of others. Even if a debt collector is not located in XXXX, they may still be subject to the FDCPA if they are attempting to collect debts from XXXX  residents. 

VIOLATION 15 U.S. 1681s-2. 
VIOLATION15 U.S. 1692 e.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are still reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
Experian is the only company showing I owe this debt and they would not help me either.
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit report i notice XXXX XXXX that were not mines.On XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account : XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report and has failed to investigate these errors countless times. Please see attachment.
Product: Checking or savings account

When I utilize my funds myself and my accountant review before utilizing funds from my account to be sure that I am not going over however everytime I use funds from either checking or savings I am charged over draft fees when I have the money in my account it is as if Wells Fargo takes money from me while items are processing then state I dont have the money in my account to cover then charges me overdraft fee every XXXX  of using my card and Im sure money is being taken because myself and my accountant keep records since the day Ive opened the account and weve noticed over time a great deal of funds owed back to
Product: Debt collection

I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit repor
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX { Chime Credit Card/ XXXX XXXX  XXXX introduced a new app featured named. XXXX XXXX linked to Checking Accounts giving cash advanced based on Direct Deposits. 
2. I utilized this XXXX XXXX feature in XXXX. 
3. Thereafter I used the Chime Credit Card as I did previously with excellent payments on my account. 
4. Upon notification of account late payment delinquency of 30-59 days from credit reporting agencies ( XXXX, XXXX ) my score dropped down due to XXXX payments reported by Chime Credit Card for XXXX and XX/XX/XXXX. 
5. Out of great concern for my credit rating on XX/XX/XXXXXXXX XXXX XXXX XXXX I contacted Chime Bank this abnormal reporting. 
6. After investigations on XX/XX/XXXX I was told I made payments to my Credit Card for XXXX, and it also revealed Chime DID NOT NOTIFY their customers that by using the new XXXX XXXX feature disabled payments posting made to Chime Credit Card and required customers to Manually Enable payment posting to show up on monthly statements. 
7. After this information from Chime I located this new tab to Enable payments to pay Credit Card, and usage and past payments will reflect not reflect until XXXX statement. 
8. However, it was no fault of my own but it was Chime who in Error to offer the new feature of XXXX XXXX linked to my checking account that wrongfully harmed my consistent payments posting made to my Credit Card account for XXXX XXXX  and did not inform customers they must now must Enable payments when it was previously an automatic process.
Product: Debt collection

I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT
Product: Checking or savings account

I was charged a overdraft fee of XXXX dollars, but I never opted into overdraft draft so the transaction should have been denied if the funds were not available, but there were funds in the account so this should have never happened.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report through XXXX XXXX, I have been notified of over XXXX unauthorized inquiries, as well as accounts that are unfamiliar to me.
Product: Credit reporting or other personal consumer reports

I had a credit check through XXXX XXXX, via XXXX XXXX. In that check, I received notice ( See " XXXX Notice '' - dated XX/XX/XXXX ) that a portion of the requested amount was denied due to information provided by LexisNexis. 

I requested information from Lexis Nexis through their website on XX/XX/XXXX. I spent the next month going back and forth with the company regarding document submission, which I did ( in duplicate ) tie to the XXXX different case numbers they'd randomly assigned to me. I finally received a physical notice that documents were available to me and logged on to obtain those ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ). On XX/XX/XXXX, I submitted a list of issues with the information in the XXXX reports, noting that per their site, these needed to be addressed within 30 days ( see " Discrepancy submissions '' ). 

On XX/XX/XXXX, I followed up, noting the 30 day time frame had lapsed with no communication ( see " XXXX XXXX XXXX '' ). I again followed up on XX/XX/XXXX noting I was taking action with CFPB and my attorney ( see " Follow Up XXXX '' ). 

I then received by mail a letter dated XX/XX/XXXX ( see " XXXX XXXX '' and " XXXX XXXX '' ) with a vague indication that something had been updated, though nothing specifically noted. I logged on using the link provided and pulled the updated reports ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ) finding that nearly all of the same items I had reported earlier were still present. I replied ( see " New Discrepancy Submissions '' ). 

What is most concerning, outside of the obvious lack of proper communication and ability to address the specific concerns, is the fact that the data on their report is self contradictory in spots. My age and my birth are different throughout, which is an obvious inconsistency that should raise an alert on their end that something is obviously incorrect. Unfortunately, it takes numerous followups and references to oversight agencies and attornies for this company to take their data seriously. Their data resulted in a denial that impacted my credit score significantly.

In addition, they have mixed my data with my father 's data, which I believe is why I've received several communications from various companies that are clearly meant for my father, who lives XXXX miles from me and I have not lived with since I was XXXX. It seems to me it ties to this company 's data.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( BEST EGG ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code1666 B, a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Bank account or service

HOME OWNER 'S LOAN I was unaware the Bank of America had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX " Variable rate snapshot '' identified : " New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a " Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? XXXX
Product: Student loan

On XX/XX/31 I called to get XXXX  of my loans put on the income repayment plan in which they offered me XXXX. Upon speaking with the representative, I needed my cosigner to call in to enter the payment information as it is touch base and will not pick up her information if we're on a XXXX call. The representative did not state that the offices were closing a XXXX XXXX. We discovered once my cosigner called back that the whole Sallie Mae department was CLOSED. I decided to take it upon myself to try to make a rollback payment however there was a disconnect somewhere and I shorted one of the loan amounts causing the loan to charge off. The representative failed to tell me they close at XXXX the recording said the customer service close at XXXX. Even if I was making a rollback payment I would have preferred through an agent for this VERY REASON, that's why I always make contact before any payment. I had neither the option to pay the XXXX for the income plan due to the payment plan department being closed at XXXX XXXX. and I didn't have the option to talk to the contact center due to their phone lines being off and despite the recording stating XXXX XXXX est
Product: Debt collection

Noticed a collection on my credit report. I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract. In addition, upon checking, the name on the account is not mine. I beleive I was the victim of identity theft.
Product: Mortgage

I Have a second mortgage that was sold to GREEN TREE/DITECH. This account was sold several times. IT IS XXXX XXXX XXXX XXXX ACCOUNT. Many of my payments went unreported. I asked for loan modification from Green Tree, they told me no. They did not give me any option but NO. Green Tree has tried everything they could to foreclose on my home. They put my number on auto dial which is robo calling. They call my phone many times a day. I have worked hard and paid my bills and my mortgage. The balance barely went down after paying all of the years that I have done so. This is wrong. Now I find out that Green Tree is Ditech. I am writing you for some type of justice with this matter
Product: Student loan

Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.