23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the second time these people have sent a request of production of documents to MY employer requesting information on my son THAT DOES NOT WORK FOR THE COMPANY AND NEVER HAS!!! This has put me in an embarrassing situation of having to explain this to my boss! I am a XXXX  for a builder and we all know each other in the company and by now this has spread like wildfire that my son, again, that has never worked for the company, got served at the company. In addition ; Who is the XXXX XXXX XXXXXXXX? Yet another location receiving these documents disparaging my son 's reputation that he has no idea and no relationship. This is an extreme violation of my rights AND my son 's rights. The first time they did this they sent these letters out to individuals that have no relationship with my son. Like my employer XXXX XXXX. Another reason this is so damaging regardless of the lack of relationships with these companies is the unique last name we have. XXXX is a family name and the only people that have it are related. My husband is the oldest male XXXX in the entire world at age XXXX! People recognize us by our last name here in XXXX. To have these service documents sent out all over the city haphazardly is irresponsible and a total disrespect.
Product: Credit card or prepaid card

Synchrony Bank 's system duplicated a fraudulent charge on my account on XX/XX/XXXX in the amount of {$1100.00}. 
I reported the fraud and they changed my card number. They refunded one of the charges in the amount of {$1100.00}, leaving the erroneous duplicate charge ( generated by their system ) on my bill.

After numerous phone calls, they changed my account number, not just my card number. 
They rejected the dispute for the case because they said it was not disputed under the correct account number, even though it was. Today they want me to open a new dispute, even though they can see the errors on their part. 
I continue to receive statements with the incorrect balance due of {$1100.00}, plus interest and late fees. Today 's account supervisor is saying their system did NOT charge the fraudulent AMOUNT TWICE IN THEIR SYSTEM, ONLY ON MY BILL. 
Currently on this call for 84 minutes and they are saying they did not refund the fraudulent charge only the duplicate charge, and fraud investigation will once again look at this charge. i will hear back in 3 or 4 weeks, sorry they can not provide any correspondence confirming this information. 
and I MUST remain on hold if I wish to have a resolution. 
My dates of phone calls trying to resolve this issue are as follows : XX/XX/XXXX, XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> multiple fraudulent charges adding up to over {$4000.00} were made on my debit card. I reported the fraud to Chase Bank to investigate. The fraud dept stated they called the merchant to verify purchases and the merchant verified the purchases. I did not make the purchases so I asked the fraud department for merchants contact information. The number the bank fraud dept said they called is not a working number and has been affiliated with scams throughout the country. The bank refused to reimburse my money even after filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I tried to place a freeze on my account with Experion. I completed their online form completely, including social security number, birthdate, address, full name etc. After each on several tries their response was that the information was insufficient and I would need to mail the request along with copies of a drivers license and utility bill. I have had excellent credit for 50 years and the social and birthdate have remained the same over those years. Both XXXX and XXXX   responded to my freeze request promptly. 
My conclusion is that Experion is intentionally discouraging the use of this freeze feature, possibly to promote their credit lock product. They should be reprimanded for that and provide the proper response.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX processed a fraudulent charge in the amount of {$55.00}. This amount was properly disputed with Capital One which initially credited the account and then despite the fact that the charge was fraudulent, Capital One wrongly re-billed the amount of {$55.00}. 

Also, despite Capital One promising to waive the {$39.00} annual fee, on XX/XX/XXXX, CAPITAL ONE processed a charge for a MEMBER FEE in the amount of {$39.00}.
Product: Checking or savings account

Comerica Bank manages XXXX XXXX. 
I have XXXX XXXX account. Managed by Comerica Bank currently under Consumer Financial Protection Bureau investigation and I believe in a pending lawsuit XX/XX/XXXX Attempted bank transfer verification, declined no reason provided. 
XX/XX/XXXX XXXX verification XXXX provided XXXX  drivers license ( expires XXXX ), letter from my bank with routing and acct #, statement from my XXXX  XXXX and void check from my XXXX XXXX. Rec 'd email declined stating ID was expired. Submit copy of birth certificate and SS card front and back. Responded stating ID was expired and BC and SS not to be used for ID purposes. No response. 

XX/XX/XXXX XXXX attempt provided all previous in addition to copy of BC and SS card front and back. No response XX/XX/XXXX Sent email to ID services requesting verification occur, hardship. Sent email to XXXX XXXXXXXX XXXX XXXX  explaining all details to her to get verified, immediate transfer and or overnight balance. Called a XXXX XXXX, Comerica Bank ; ( XXXX ) XXXX left message brief explanation and request him to reach out to XXXX XXXX and check her email. 
XX/XX/XXXX Sent email to XXXX XXXX XXXX XXXX and XXXX advising him issue and a copy of complaint sent to XXXX XXXX XXXX consumer protection. 

In all conversations with customer service they say they have no access to ID services, mastercard and merely access account accessing any notes and to provide whatever ID services wants as they see only declines. Unable to obtain cash from card, cash out etc. Previous months I've gone into XXXX XXXX  gave them card asked for $ $ $ $ $ and deposit into my Bank acct, no issues until XX/XX/XXXX. My Bank could not obtain funds that were on XXXX XXXX acct/card. The statement from ID services stating ID ( drivers license ) was expired and no subsequent communication not to mention even customer service cant speak to anyone which caused suspicion. Either theres is some fraud in play, deliberate delay ( reason unknown ) or complete incompetency, in all event causing hardship, stress and embarassment. Perhaps Comerica Bank is in financial trouble and we just don't know it yet.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am kindly requesting that XXXX  XXXX XXXX XXXX to provide me, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payment on the date specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payment from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the account to positive.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX IN XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. XXXX, Experian, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now called several times today. I was just hung up on on my last call without ever getting anyone even helping me. I immediately asked for a supervisor because of the poor handling of the prior calls. I asked for an agent in the US and she said they don't have any agents in the United States. She then hung up on me. I took the survey but nothing will happen out of it. I can't even get through the phone system now because they have flagged my number or information. I was able to get through on my previous calls. This is retaliation. Our credit information is being handled by people outside the United States and I am not comfortable with this whatsoever.
Product: Checking or savings account

On XX/XX/2020 I received a welcome letter from Alliant for opening both a checking and savings account on XX/XX/2020. I phoned Alliant on XX/XX/XXXX about this notice because I did not open either of these accounts. The person I spoke with confirmed that someone had opened these accounts in my name with my accurate date of birth and social. While no money was deposited into the checking account, {$5.00} was deposited into the savings account. The 10-digit member account number for this account is : XXXX. When I told her that I had not opened either of these accounts, she forwarded me to their fraud department where I reported the incident. I asked that both these accounts be closed. I later reported this as fraud to XXXX  I am following the instructions of their fraud department in reporting this to you now.
Product: Payday loan, title loan, or personal loan

Receiving harassing phone calls at work.
Product: Mortgage

I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.
Product: Debt collection

Since XX/XX/2023 I have received a number of calls from XXXX XXXX at National Service Bureau. He has threatened license suspension, despite the agreement and conditional release that he and I have agreed upon and that has been sent to his office and the State of Tennessee DMV. He has been extremely uncooperative and abusive. I have made the initial payment, as requested and he is trying to throw every trick in the book to ensure that my license is revoked DESPITE the fact that the agreement is signed and notarized. He has been rude and unruly and has made an excessive amount of calls to my phone disrupting my work hours even though he has been advised of my work schedule. I just want to pay my debt as we agreed without be harrassed and abused.
Product: Mortgage

XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. 

Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX
Product: Money transfer, virtual currency, or money service

One day before their XXXX went live on the stock market Coin base logged me out of my account and claimed my credentials didnt work any. They claimed my number I file was incorrect ... untrue! 

So they XXXX  me around a couple weeks and I did everything they asked of me ... .then they stopped communicating with me. I filed a complaint and then one with XXXX  ... still totally in the dark ... I have {$500.00} worth of assets!
Product: Mortgage

Payments were not applied correctly causing hardship and affecting credit. Loan modification offered contains {$24000.00} forbearance for being 1 month late. Requested to cancel loan modification that starts to avoid {$24000.00} forbearance for no reason. After misapplied payments, current due for the month on XX/XX/2023, which i am not allow to pay since loan modification still under consideration. Need help getting this mess taken care of and all the hardship it has caused. Thank you.
Product: Credit card

I have received more than 7 calls in 7 days most from different numbers not including emails, text, and mail from FNBO. I can no longer work and have no income so I can no longer make any payments and I am mentally unable to answer any calls. I feel as though Im being harassed and its causing me undue stress, XXXX, and trauma. Phone calls that I could verify:
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: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for a credit card company that I never applied with. I have never had nor do I want a credit card. How do I get this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mitsubishi Motors Credit of America Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, XXXX and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Experian, XXXX and XXXX If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 XXXX
Product: Credit reporting

I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.