23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Their first attempt to contact me to discuss a debt from a recent medical bill was to contact me at work directly. They did n't initiate by my cell phone or by mail at all. Told me, at work, that I needed to contact them before the original creditor decided to take further action. Totally unacceptable and unprofessional forcing me to respond and negotiate such items at my work place, in front of other employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from XXXX XXXX that I had a negative reporting. It said the account was open XX/XX/XXXX. It also had a FCRA dispute notice already attached. I called Convergent, after 3 calls was told that I needed to call XXXX. No help with resolution just 2 hang ups and 4 transfers. Then I was provided an address, account #. I asked if my DL or DOB were compromised and the lady at extension XXXX said the account did not have any contact or verifiable details beyond name and ss #. She said the account was actually from XX/XX/XXXX notXX/XX/XXXX, but that they would continue to report unless XXXX  said otherwise. She advised to contact XXXX. I contacted XXXX who said I needed to provide a copy of my dl to be scanned at the store to garner any info. I explained that I needed to know basic info to file a police report, they claimed they needed a 6-10 digit pin for the account. Explaining that I would have no way of knowing, I gave my preferred pins to see if any would work. I was told they did not and that even providing my personal details that I would not be able to access the account info. I have identity theft alerts on my credit report and have since XX/XX/XXXX.
Product: Mortgage

XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose
Product: Credit reporting

I have called each bureau for a copy based on applying for XXXX card and being denied. Trans Union and XXXX is stalling and circumventing the rules by not honoring the laws in place to protect us against such practices. I need a copy of my reports expeditiously in order to address a current pending transaction. So please have the XXXX bureaus send me my copy based on the law of denial.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2021 I opened an account with Gemini and deposited XXXX USD. Shortly after depositing this money, I was informed that my account was pending verification and that my money would not be available to withdraw until it was verified. After about 2 weeks I started to try to reach out to Gemini 's customer service branch only to get nothing back except automated emails encouraging me to deposit more money. I have tried everything to get in contact with them, even resubmitting all necessary documents and repeatedly emailing them. When you call their customer service number, it simply tells you to email them which only results in an automated email. They are wrongfully withholding the money that I deposited with no way for me to reach out to them for help. By letting me deposit money before verifying my account with no way to reach out to them, they have put me in a position where I have no other option than to file a complaint.
Product: Student loan

On  X/XX/2017    I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as  XXXX   XXXX  and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system.  <P/> " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * ''   XXXX   XXXX   XXXX   The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ).   When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an  XXXX   XXXX  and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau.   <P/> Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal.
Product: Money transfer, virtual currency, or money service

I made a cash app account at the time I wasn't old enough to invest money into stock with cash app. So I waited till I was of legal age to do so. During the whole process cash app madce incredibly difficult to get my account verified and sent me through many loops that lasted several months 5 to be exact. The customer service was little to no help and very hard to get any real solution with, But the worst part was that most of the conversation were via a text " BOT '' or not a real person/ virtual assistant.
Product: Debt collection

On XX/XX/2022 they sent out paper work saying I owe XXXX for an unvalidated debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This person is shown by XXXX XXXX as opening a Credit Card in my name, and i cant get the Company to take it off of my Credit Reports and mark it as fraud, I proved to XXXX it wasn't me that opened that account up, It is to XXXX XXXX for {$700.00} and i have not or have any interest in XXXX, I called them and told them i did not open this account # XXXX, XXXX XXXX brought it to my attention i called the Company at phone # XXXX talked to a lady that said her name is XXXX, and that i did not open this acct, you all allowed someone to open it using my name, this is how i got the ladies name i mentioned below in this complaint to them they asked do you know her? I said no i do not!, XXXX XXXX is their name that opened this in my name, ,I said i wont this off of my Credit XXXX and close this out, and take it off of my Credit Reports they say it is closed, but it is not taken off yet, i did this when i saw it on my credit report in XXXX, still nothing done as of today, please help me get this fraud off of my Records, Below is the Woman or person that Fraudulently opened this Fingerhut Account on me,, [ Additional info found with this breach Identity Information First Name : XXXX Last Name : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Contact Information Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Hello, I had found tickets to the XXXX XXXX XXXX being listed and sold through XXXX XXXX. I reached out to the seller on Friday, XX/XX/2019 at XXXX about a price and what form of payment they would accept. They suggested PayPal and gave me the email address XXXX. I then used PayPal for the transaction and sent the amount of {$60.00} ; however the seller then informed me that he did not have the tickets. When I reported the scam to PayPal and asked for them to cancel the transaction, my case was denied ( Dispute Case ID : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to US bank to open a checking account and was told of a charge off from 13 years ago and it was included in a bankruptcy. I was told I couldn't open a regular account because of the charg off from 13 years ago. This shouldn't be a issue because it was from XXXX  and it was included in a bankruptcy that was discharged in good standings. This shouldn't be held against me as it was 13 years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Affairs Department Dear Equifax, I am writing to express my deep frustration and outrage regarding your flagrant disregard for my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that despite my explicit request to freeze my consumer report and submission of all required documentation, your company has failed to comply with the law and has instead demanded redundant documentation. 

Let me be unequivocally clear : I have the legal right under the FCRA to freeze my consumer report, and I have already provided all necessary documentation to exercise this right. Your insistence on requesting the same documentation that I have already submitted is not only redundant but also utterly ridiculous. 

Your unwillingness to follow the law now poses a direct threat to my creditworthiness and financial well-being. By failing to promptly freeze my consumer report as requested, you are jeopardizing my ability to protect myself from identity theft and unauthorized access to my credit information. 

I demand immediate and unconditional compliance with my request to freeze my consumer report, as mandated by the FCRA. Any further delay or refusal to comply will not be tolerated and will result in severe consequences for Equifax. 

I am directing Equifax to immediately freeze my consumer report and provide written confirmation of this action without any further delay. Additionally, I expect a formal apology for the inconvenience and distress caused by your company 's failure to adhere to the law. 

Furthermore, I will not hesitate to take appropriate legal action against Equifax to enforce my rights under the FCRA and seek remedies for any damages incurred as a result of your non-compliance. 

I urge you to act swiftly and responsibly to rectify this situation and restore my confidence in Equifax 's ability to handle consumer information in a lawful and ethical manner. 

I expect to receive written confirmation of the freezing of my consumer report within five days. Failure to comply will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 

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

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

Paypal has failed to send payment to settle Federal Civil claim, Paypal still continues to placed unauthorized holds on the account, most recent limitation placed the account placed on the account on XXXX/XXXX/2016, was from an Transaction that occurred on XXXX/XXXX/2016. Paypal has also failed to dispute an Transaction in the amount of XXXX, Paypal still operates as an Bank without recourse.
Product: Checking or savings account

I am writing to have the following information removed from you guys system .i am a victim of identity theft. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the account on Experian XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and XXXX. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on XXXX and Experian. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.
Product: Student loan

For over ten years Navient has been college loan service provider - see attached for loan information - Navient has added predatory interest and fees to the original loan - Navient has never offered a path to fairly resolve this loan - Navient has always offered forbearance - Navient has turned our loan over to XXXX for servicing as of XX/XX/year>, to avoid any responsibility and any solution based upon the recent CFPB ruling and fines. 
Loan is for over {$93000.00} - double the original loan amount.
Product: Mortgage

The lender was provided our XXXX party authorization and a QWR on XX/XX/XXXX - The lender has failed to provide us with the requested information needed to properly assist the client - They have also been provided the XXXX party XXXX XXXX additional time, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - the lender is failing to approve and provide any information on the clients file - and is in violation of the clients right to counsel
Product: Student loan

First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.
Product: Checking or savings account

On XX/XX/2022, I received an email saying that a six hundred dollar charge was sent thru my account that was pending after checking my account which opened to check. While my account was still up I called whatever number they express to cancel whatever charge this was. They sent another email saying it was confirmation of my cancellation only that when I opened the email it had looked like someone put money in my account {$5000.00} more than I had in my account I started freaking out that I might be in some trouble and was about to call my bank. That is when in one second all my money in my account looked like it was gone. They threatened me that they have to get back their money or all was going to be missing. They had me running from one store to another buying gift cards to send back their money after about {$3000.00} my bank Suntrust who now merged with Truist called to advise that I was having fraudulent-looking charges on my account to which I told them everything. I made a complaint to the gift card company. I filed Complaints with ftc.gov/scams report number : XXXX and my State Attorney General. I never would have made any of these transactions if I was not under duress. 
Please assist if you can. 

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

ID theft affidavit ( XXXX ) and Report to be filed, if necessary ( remaining unresolved fraud ), with XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS mail dated XX/XX/XXXX stated : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Please request my provision of this original letter should XXXX persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. 

On approximately XX/XX/XXXX I was made aware of XXXX lease obligation, not by XXXX ; rather, on my XXXX, XXXX and TransUnion credit reports. I email disputed XXXX, XXXX, XXXX and TransUnion. XXXX recognized XXXX fraud and immediately removed XXXX from its credit report. 

I further notified Consumer Financial Protection Bureau, complaint # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ; without successful resolution. 

There have been 121 subsequent emails to XXXX requesting removal of its XXXX fraud ; including, cc. XXXX  and TransUnion, questioning their willing participation in XXXX fraud. These emails were to : XXXX, XXXX, ExecutiveEsc@transunion.com and XXXX. 

The attached XX/XX/XXXX XXXX letter was received from XXXX XX/XX/XXXX. Please accept its completion. 

Response to ( XXXX ) ID theft affidavit is : name, address, phone # and additional information are : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 2. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 3. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 4. XXXX XXXX, Senior Lead, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 5. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX. 

Attached is XX/XX/XXXX TransUnion XXXX credit report date opened, balance, last payment made and terms duplicity. 

Additionally, attached is XX/XX/XXXX XXXX credit report page 1 names ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), page 2 - 4, 3, XX/XX/XXXX ( balance, scheduled payment and paid ), responsibility and date opened, page 3 ( status, balance and terms ), balance history ), pages 4 and 5 balance history compelling, irrational and invented fraud.
Product: Credit card

On XXXX XXXX I was a victim of online fraud. As such, I submitted a payment via PayPal for {$400.00}. Immediately the same evening I contacted PayPal via phone and alerted them that this was a fraud. I heard nothing back from them despite alerting them. When I called in I received a recording that the transaction was under review, but no one acknowledged the telephonic report I made about this being fraudulent. I also filed an online dispute. Despite this, PayPImmediately after this transaction I reported to PayPal that this was a result of fraud. On subsequent conversations with PayPal customer service representatives I was told to have my bank decline the transaction, which they did, and PayPay would not be out any money and I would not owe anything. I followed the customer service advice and now they are showing a deficit on my account for the amount of the fraudulent transaction. Despite my warning they paid the fraudster the money on the XXXX of XXXX, a day after I alerted them to it. I can not understand how PayPal wouldn't have first contacted me for additional information before making a decision, especially since I alerted them right away and, on a recorded message to PayPal, I was notified the transaction was disputed. I have also reported this entire fraud incident to the FBI for investigation. This was clearly a fraud that should have never proceeded until a ) someone from PayPal contacted me ( which no one did ), and b ) until my bank approved the transaction, If PayPal approved the transaction given these circumstances then they are enabling fraudulent activities. Plus, the first customer service representative I spoke to was of no help, and she didn't seem to comprehend what I was saying. Today when I contacted customer service again, they just gave me rote answers on how to conduct future payments ( which I will never use PayPal again ). They were of no help and refused to answer my question why PayPal proceeded with the payment despite my timely warning.
Product: Mortgage

JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.