23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint in regards to Phoenix Financial Services LLC. I have been receiving several phone calls a week from a company when it shows up on my phone shows as XXXX XXXX. I would pick up the phone and they would hang up and this went on for several weeks. My phone deletes the call log so I am unable to obtain, we would have to contact cell phone company to obtain all the dates and times. Finally last week when I answered the phone the person spoke extremely fast, they did not tell me the name of their company but stated they were calling in regards to my medical file and needed to speak to me and needed my date of birth. I asked them to identify themselves and why they were calling and they repeated again that they were calling in regards to my medical file and needed my date of birth. I advised due to HIPPA regulations I did not have to speak to them about my medical file over the phone and asked that they inform me which doctor 's office they were calling from. At that time the person was very irate, stated then at that time she was calling from a debt collection agency and that she knew my date of birth at which time she blurted out and when I attempted to ask her what debt she was calling in regards to she hung up. I called back the phone number and no one would pick up. Later that week I received a debt collection letter from Phoenix Financial Services LLC located in IN stating I owe money to a current creditor by the name of XXXX XXXX XXXX XXXX which I have no idea who this company is nor have I ever received a bill from that company. I went online to research this company and saw several complaints online with similar letters stating the same exact thing. Stating they do not know who this company is, they never received medical attention from this company and were being told they were going to collections. I believe this to be fraudulent. I believe if this is a debt collector they violated several regulators, one by impersonating to be a medical facility, requesting my personal information, not verifying whom they were, why they were calling, what the debt was in regards to nor identify the company making the claim. Please note when you try to call XXXX XXXX XXXX XXXX the phone listed online with XXXX is the phone number to XXXX XXXX XXXX headquarters.
Product: Checking or savings account

I open a combination of various account in Bank of america in accordance with promotion. However when promotion ended they started charging me unresolvable fee. 
I can't reach there representative because they do not answer phone and not responding to my communication
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company on several occasions. This account is reporting inaccurate with all three credit reporting agencies. This account needs to be deleted due to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( XXXX  and Transunion ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my Transunion and XXXX. 

XXXX  : XXXX XXXX ( 2 times ) and XXXX  Transunion : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.
Product: Debt collection

This is a violation of 15 U.S. Code 1681i ( XXXX ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX XXXX XXXXXXXX immediately thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and notified all companies involved : XXXX, TransUnion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX of the fraudulent account ( s ) reflecting on my credit report. The credit reporting agencies continue to send frivolous responses and reporting inaccurate information.
Product: Vehicle loan or lease

Ally financial held my last payment on XXXX for a month without posting it. When they did post it they were told to pay off the principal. They paid it towards late fees after they told me it would go towards the principal. I called them back and told them I had the agent note my account saying I wanted it to go to the principal and they finally did it. But then they turned the late fee into another monthly payment which was not there before
Product: Checking or savings account

Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. 

I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. 

I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. 

Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. 

This is very disturbing and has been a long drawn process to receive what I earned. 

Please help. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a man from the phone # XXXX XXXX XXXX XXXX, impersonated a chase agent and asked if I approved a wire transfer for {$4800.00}. I said no and he tricked me into approving the transfer saying they were wanting to find the IP address of the person asking for the money and to input the name of the sender to reversal XXXX XXXX and that was enough to approve the transaction apparently. Chase did investigate and found that I did approve the transaction basically through this interaction with the fake Chase rep. Since the receiver of the funds, XXXX XXXX XXXX, didnt want to cancel and release the funds, I got scammed for {$4800.00}. I did some research and found that this a known scam and chase bank still lets the money to be transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave XXXX XXXX my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
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. 
XXXXXXXX XXXX XXXX XXXX Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX  : Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX account number XXXX. 
XXXXXXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX : Account number XXXX, has violated my rights. 
15 U.S.0 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.0 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: Debt collection

This account has been flagged as fraudulent and is tied to a verified case of identity theft, as reported to the FTC ( FTC Report ID : [ Insert Report ID ] ). I have never authorized nor am I liable for this debt. Reporting such a fraudulent account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as this debt does not belong to me.
Product: Checking or savings account

On XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account into my XXXX XXXX Account. This transfer amount was for {$25000.00}. The transfer was processed and credited into my XXXX account on XX/XX/XXXX. Later once the transfer cleared, I requested XXXX XXXX XXXX to close my account, which had approx less than {$1.00} remaining. The next few weeks, everything was normal and I has no issues. I had about 60 % of my cash savings held at XXXX. 

On XX/XX/XXXX, XXXX XXXX decided to temporarily lock my account and requested I call them to get this unlocked. I decided to call XXXX on XX/XX/XXXX, which was the only day I had time to get this resolved and had to wait over 20 minutes to reach someone. After, reaching someone, the customer representative explained to me that they locked my account because they were unable to verify that the funds that were deposited on XX/XX/XXXX came from an account under my name. I can confirm that the money from this account did get sent from an account belonging to me and is in my name ( see attached screenshot for proof ). After about 40 minutes, I was told that the only way this lock can be removed was by getting this money reversed back into my old account. This is the same account I closed. Even after explaining this, they stated, unless the money was reversed, there would be no way they could unlock the account. As such, I requested to speak to a supervisor and was told someone would contact me the following business day. On XX/XX/XXXX, I received no phone call. I called back a spoke to another customer representative and decided that as they held my funds hostage, I had no choice but to get the money transferred back to my closed account. I spent another 20 minutes speaking with XXXX XXXX XXXX about how they would get the money back to me, however that conversation yielded no answer apart from, we can tell you once the money hits our account. So on XX/XX/XXXX I called XXXX and spent another 15 minutes on hold and reluctantly provided authorization for them to reverse the funds to the closed account. 

So far, I'm very unhappy about this. Had there been an issue with the naming on my account, this should have been caught way before XX/XX/XXXX and if they did have this issue I could have provided proof that the account was in my name. In addition, if they were not happy with the proof, at least the account would be open and that would ensure that I can easily have access funds once the reversal was processed.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained inaccurate accounts, and I have no clue why. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive submitted so I can stop worrying about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX sent LEXISNEXIS certified mail receipt on XX/XX/2021 concerning the incorrect/ inaccurate information that is/was being reporting on my consumer report. I have received a letter dated XXXX XXXX from LEXISNEXIS concerning this matter with information that has remained on my report after my dispute. LEXISNEXIS has violated my privacy and reputation pursuant to FCRA ( 15 USC 1681 )
Product: Debt collection

I received a XXXX credit card in XX/XX/XXXX. I was married and in XXXX  when the card was received. I went through a divorce in XX/XX/XXXX. I was notified XX/XX/XXXX that I owed {$3600.00} from a collection agency called Winn Law Group located in XXXX, XXXX. XXXX. I asked for documentation because I thought it had been paid off through the divorce. I have never received anything from this so called company. Now, seven years later, my bank account was levied {$74.00} on XX/XX/XXXX. I spoke with XXXX from the collection agency and she had little to no information. I have lived in XXXX  for three years now and apparently the agency has been supposedly sending paperwork to an address in XXXX, where I never received mail but owed and sold. I have committed time and effort into this and I can not find any supporting documentation for this. Also, they took money out of an account in a different last name than mine. Please help.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

To Whom It May Concern, I am writing to formally express my concerns regarding the treatment I have received from Navient in relation to my student loans. 

Before Navient took over servicing my loans, I was with Sallie Mae, both of which have been found guilty of predatory lending practices, particularly against minority households misled about the student loan process. As a XXXX individual, I believe I have experienced unfair treatment that has worsened my financial situation. 

The income-driven repayment system has not provided the relief it promised ; instead, it has added significant financial and emotional stress. 

Navients recent announcement regarding the transfer of student loan servicing to XXXX, framed as a standard business practice to reduce expenses, feels disingenuous. It disregards the years of profit made at the expense of students, and there has been a lack of acknowledgment or apology for the harm caused. 

Even with the settlement that has been agreed to, there will still be millions of affected people like myself who fear they will not be compensated fairly and accurately. 

I urge your company to review my case and address these concerns promptly. It is essential for companies in this sector to ensure fair treatment of all borrowers, regardless of background. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( XXXX ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
Product: Prepaid card

On XX/XX/year>, a family member purchased a XXXX gift card at a XXXX and gave it to me for the value of {$200.00}. I registered this card on the website on the back of the card on XX/XX/XXXX, and when I went to make the first purchase a few days later, it said there were not enough funds on the card to do so. When I checked the transaction history, it said that on XX/XX/XXXX, someone from Georgia had taken out the full {$200.00} value on the card. On XX/XX/XXXX, I called the customer service number on the back of the card and reported this fraudulent activity and requested information on how to dispute the transaction. I was sent a dispute application over email and filled it out, and it was accepted with the response time being given of XXXX days from acceptance. On XX/XX/XXXX, I reached out again via email to check on the status of the dispute, and recieved a reply on XX/XX/XXXX about it still being processed. Finally, on XX/XX/XXXX, I was given a final decision that there was not sufficient enough evidence to prove the fraudulent transaction and that I would not be recieving the money back or a new card.