23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

See previous case # XXXX. I have previously complained about this companies tactics. 

They previously repeatedly contacted me. They screamed and yelled at me demanding my SS #. Based on their repeated bullying tactics, I refused to give them any of my personal information. Their ethics worry me and make me feel like if I give them the information, they will add me to this debt. 

Previously, XXXX said he was satisfied that this was not my debt based on the information you guys provided in my complaint ( partial social ). 

I have just received a letter today, dated XXXX/XXXX/2015. They are AGAIN contacting me about a debt that is not mine. They already know this is n't my debt. I am worried they are trying to MAKE this my debt. I do n't want to contact them because XXXX is not professional or calm - he screams and demands information. 

I do n't know what to do anymore. This is not my debt.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Debt collection

I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..
Product: Money transfers

On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.
Product: Debt collection

I have been trying for years now to resolve this situation with this company. I have sent MANY letters and calls stating it was a Workers Comp claim and that the original creditor did not give all information for payment in timely fashion and their window expired and they are forcing me to pay due to their neglect ignorance of numerous letters and calls. They have damaged my credit and reputation. 
I am writing to your office to please help me to resolve this clear violation of my consumer rights by Stern Recovery Services. They are unfairly and inaccurately reporting on my Consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006 ) several times with no response. I sent a notice of debt validation, ( Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 ) as well as Cease and desist all forms communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). Stern Recovery Services have violated my Rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. The law is explicitly clear, ignorance of the law is no excuse. Stern Recovery Servicess 30 day Debt validation period has ended and they FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. Stern Recovery Services have violated my Rights pursuant 12 CFR 1006 ( c ) ( 1 ). They have failed to cease and desist all forms of communication with me. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. All collection activities on this Alleged Debt that they failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by Stern Recovery Services reporting the collection and the disputed status on my Consumer report with a DELETION immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed Midland Credit Management to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. Midland Credit Management closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX requested company verify the debt ; company could not verify the debt.
Product: Mortgage

Most definitely the worst financial institution I've dealt with. We tried to obtain a mortgage for home in a community and it was so unnecessarily stressful. From the moment we first got the " approval '', they kept asking us for documentation that can not be obtained for someone who is not a US citizen, you can't ask for a US passport if the person is not yet a US citizen. The loan originator XXXX XXXX was horrible during the whole process and didn't even know what type of ID we needed. I had to call customer service with 21st mortgage because the representative at the community we were trying to buy the home from has worked with 21st mortgage for a while. I called 21st mortgage again and was helped by a XXXX who then transferred me to an XXXX without even telling me and he said he would " give me a call back '' with an answer to the ID question. Never got a call back but the issue was fixed in the application process. The other hurdle was " verifying '' income, after they were provided, paystubs and W2s, the issue was now a verification of employment sheet. My employer 's HR was taking forever due to covid so we didn't get it in until a week and a half later. After the verification of employment sheet was filled out entirely, I mean giving them pay per hour, overtime, bonuses, they proceeded to say it wasn't sufficient and needed verbal verification. The ridiculousness of the process should have been enough for me to stop but then of course they asked for income for the coapplicant who was self-employed and provided proof of income for two years prior. XX/XX/XXXX was not a good year for his business due to the pandemic so we got " denied '' our mortgage based on that. Honestly not worth going through the process with them, not only are they uneducated and rude, they are not empathetic and discriminatory. I will definitely be making sure to contact the FTC and XXXX about it.
Product: Debt collection

Repeated and frequent phone calls. Sometimes minutes apart, sometimes an hour, sometimes hours. However, the calls are so numerous that I have stopped looking at the phone when it rings. I have enlisted with a debt consolidation firm to consolidate all of these cards. Most of whom are from Synchrony Bank. The calls that I am complaining about, are from Synchrony. Just in the few moments to write these few lines, Synchrony has called three ( 3 ) times which equals about 10 minutes time.
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The firm that I have enlisted is called  XXXX . They have instructed me not to speak to these creditors so I do not get shamed into making a payment to the creditor. Which according to   XXXX   would allow them to not participate in the program. So I have followed this advice.
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Synchrony is calling from predominately four ( 4 ) phone numbers. Although on my caller ID shows number and caller information not available for others with no voicemail left. The numbers that I do have are :   XXXX  ,  XXXX ,  XXXX , and  XXXX . From the voice mails, it is a robo-dialer.
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I had entered into this program with  XXXX  on   XXXX   XXXX  , 2017. I pay   XXXX   an agreed amount each month, via direct draft, and they, per negotiations with the creditors, pay a settled amount to clear the accounts. To the best of my knowledge, I am keeping my end of the agreement to which my creditors are not. Especially Synchrony Bank.
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When I had first applied for credit with any of my creditors, I applied as retired (  XXXX  ), for which I am. I had part time work working three days a week with a temp agency. That assignment has since ended the beginning of   XXXX   2017. Prior to the loss of the PT job, there was a reduction of hours and pay, which did not help my credit payment efforts, hence the   XXXX   solution.
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My research has enlightened me to Creditor Harassment under the Fair Debt Collection Practices Act ( FDCPA ). To which I believe that Synchrony Bank certainly is in violation of with the frequent, repeated calls throughout the day. As I stated earlier, three ( 3 ) such calls in the span of 10 minutes. I would like a resolution to this, and my research has also enlightened me to suing and getting {$1500.00} per call. With the volume of calls thus far, my indebtedness to Synchrony Bank is paid off and then some.
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My suggestion for a just and fair resolution would be to call it even. Synchrony Bank stops calling, clears all of my debts due to them, due to the harassing calls, and enters positive cleared status on my credit reports. My remaining debts are my responsibility.
Product: Consumer Loan

I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
Product: Mortgage

At the end of XX/XX/2023, I randomly called Flagstar looking to refinance or cash out against the equity of the home. Being that my wife was terminated from her employer due to XXXX, and we exhausted our savings. 
I received an invoice from the city of XXXX XXXX in the postal mail as the city of XXXX XXXX was looking for payment on taxes I called Flagstar inquiring why I received the above-referenced invoice and they verbally admitted to not applying the payment in XXXX to the principal rather than applying it towards the interest only. 
According to the verbal conversation with Flagstar they admitted that they did not communicate in any fashion with me Because my property taxes were reassessed, and as I understand in the state of CA taxes are reassessed on a sale or a move. Being that I did neither, I did not understand why this was done. 
By default, the extra money that was not paid toward the monthly mortgage payment to Flagstar, put me behind with XXXX ( HELOC ) This was the start of the spiral downhill. 
Then in XX/XX/2023, when XXXX refused to speak with me. We were late by one month. 
XXXX verbally demanded to make 3 months ' payment upfront before they would entertain to speak with me. 
I attempted to make the payment on a Saturday and they refused to take our payment. They said, " We are billing for XXXX, and are closed on the weekend ''. The payment was made on the following Monday, pushing my payment to be 2 months late, not giving a grace period.
Product: Debt collection

Conn 's started calling me XXXX XXXX a day in XX/XX/XXXX. I have no debt with Conn 's and asked that they mail me proof of what I owe and to communicate only through mail. They have continued to call twice every day in XXXX. 

I have received nothing in the mail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent an XXXX XXXX using Cash App card to the wrong number on my XXXX Once I sent the money the unknown recipient accepted the funds. Once I realized this I tried to cancel and get he funds back but XXXX could not assist. I called XXXX and reached out to Cash App because the funds came from my Cash App account. 

Cash App claimed that the transaction was valid and waited almost XXXX weeks after going back and forth to tell they could not help refund the {$550.00} to my account. I reached out to them on twitter and the same run around that I had to wait on their special team. I went back to support on the Cash App app and they told me they could basically resend info to the same team just so I get the same denial email. I was scammed and they claimed that it was not the case by denying my request. I have never had an issue up until now with Cash app but the help was not at all what I expected. I sent phone number text messages and even screenshots of the XXXX XXXX charge to show them that the money was sent to an unknown person mistakenly but to no avail they still denied it. 

I reached back out to support yesterday XX/XX/2023 after receiving a denial that was emailed to me from the special team on XX/XX/2023 and they stated that there was nothing else they could do but submit the same info to that team. This situation has been a hindrance and extremely disappointing for me to have been a customer for almost a decade.
Product: Credit card or prepaid card

On XX/XX/19 I purchased a {$50.00} dollar Google Play Gift card at XXXX XXXX XXXX for a friend. When redeeming we were told that the codes being entered were unrecognized. The card was unusable and needed to be taken back to retailer. At XXXX, the store manager called Google and they determined that an XXXX on the card was really a XXXX, a variation we had not attempted. However, Google said, the card had already been redeemed. Since the purchasers of the card ( me/friend ) didn't get to redeem it, who did? we asked. They could not give us that info but agreed that neither of our email/accounts had been used for the card. I don't know if there were two cards with same code or if there is evidence of deeper fraud with these cards but I was rather unhappy with Google Customer Services attempt at solving problem. They basically referred me to FTC and their website to the CFPB. I would upload receipts, cards etc. but this website has crashed my computer twice when I attempted to do so.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX  XXXX XXXX XXXX, CAPITAL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} to a company on the east coast using US banks wire service. They then transferred {$10000.00} out of my account. I have been able to recover {$4500.00} but the bank will not refund the difference even after admitting there mistake. The case number for US bank is : XXXX.
Product: Checking or savings account

Account was opened with my name and address with a XXXX balance as of right now. I called the bank and had them close the account since I did not open it. The bank was an online bank called Marcus. The phone number on the paper statement I received matched the phone number online for that bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. I disputed this with the credit bureaus and the accounts came back verified. I also asked the credit bureaus numerous times how they conducted the investigations in which I received no response or no proof of a legal or thorough investigation. I also found several inaccuracies with these accounts that are a FCRA violations. The inaccuracies are as follows : For the first XXXXXXXX XXXX XXXX account with a balance of XXXX the opened date states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The date last active states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. Please delete the account. 

For the second XXXX XXXX XXXX account, the date open states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The date last active states XX/XX/XXXX on my TransUnion report and XX/XX/XXXX on my XXXX report. This is inaccurate information. The balance states XXXX} on my TransUnion report and XXXX  on my XXXX report. This is inaccurate information. Please delete the account. 


The inaccuracies lead me to believe that no investigations were done in reference to these fraudulant accounts. The credit reporting agency can not properly verify that the information they have is correct. I have not received any contracts with my signature as well. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you in advance!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 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. 
XXXX XXXX XXXX XXXX  Balance {$800.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX  Balance {$740.00} XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$1300.00} XXXX & XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America has charged me erroneously for overdraft fees when I did not overdraw my acct. There has been a few occasions where they charge a fee that overdrawn the acct and then charges me overdraft fees. I called and tried to resolve it. They could not show where I overdrawn the account and would not remove the fee.
Product: Debt collection

Ive affirmed that Ive charged this off, XXXX XXXX company. However, I havent received the items I ordered. I contacted XXXX and disputed the denial, but they denied my dispute for no reason.