23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received upwards of 20 calls in ONE week from Discover Card regarding a debt owed by XXXX XXXX. My XXXX mothers last name was XXXX, however her first name is not XXXX. I called Discover Card after receiving five calls in one day. I advised that XXXX XXXX does not live at this address, and asked if someone had used my moms information - since they were calling her number with the right last name. They advised they could not disclose that information, or the nature of the call. I verified with them that the number calling me was them, and they advised it was. I asked them to stop calling since my mom is XXXX ( going on 7 years ), this is not her debt, nor is it a debt for anyone at this number. The harassing calls continued to the point that I needed to disconnect my phone number. I have XXXX small children and the constant phone calls throughout the day were interrupting their sleep time, not to mention, they were harassing due to the sheer volume of calls received in a day and week. It was nearly one month ago that I called Discover and asked that they stop calling me however to date, these calls still continue. I was notified today by my old phone carrier that another voicemail was left on the old number around XXXX. I am upset that these calls continue. I am upset I have had to cancel our old phone number and get a new phone number, and I am upset that Discover refused to tell me if my XXXX mother 's information had been used - yet they continue to call me an obscene amount of times. That phone number had been my number for 31 years - this was a difficult decision to make, and I do n't feel that Discover should be able to harass me in the way that they have.
Product: Credit reporting or other personal consumer reports

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is XXXX me and making me XXXX on why and how this happened.
Product: Checking or savings account

This complaint is concerning my account with cash app. My records indicate that a place called XXXX XXXX  XXXX XXXX Attempted to take out {$97.00} on XX/XX/year>. I did not have the funds in my account at the time and I was not aware of them trying to take that out of my account So luckily they were unable to at the time. on XX/XX/XXXX they did debit {$97.00} from my account. On XX/XX/XXXX I contacted cash app and made a dispute they canceled my card reissued me a new card and a newAccount number I believe. I can't remember the exact date I called them again to check on my dispute At this time they had told me thit could take up to 45 days. XX/XX/XXXX I received an email saying my dispute was resolved {$5.00} From XXXX com bill. So I'm pretty sure I called them Again around XX/XX/XXXX I explained to them that I had disputed a charge for {$97.00} from A place I never signed up for never provided my information too which is the XXXX XXXX XXXX XXXX place. And that I never filed a dispute for XXXX For {$5.00}. At that time they told me that my dispute was never put in on XX/XX/XXXX and they had given me a dispute number and they said that was the same number for my case. I do not currently have that I will have to look for It. So then I see on XX/XX/XXXX and XXXX 2025 that the same company XXXX XXXX XXXX RE Attempted to take out {$100.00} Out of my account. I don't understand how they got my account information again if my card was canceled and I was issued a new one. Currently at this time I am not heard anything back from cash app About my dispute.
Product: Credit card or prepaid card

I purchased a computer from Best Buy on XX/XX/19. The virus protection that comes free with the computer was not in the box. The following day I went to a different Best Buy near my son 's home and explained the situation to a gentleman in the computer section. He told me he would give me one at no cost, since I did not receive it, I showed him my receipt. He was unable to do so, he went and got his supervisor whom also tried and was unable to have the register accept it. The supervisor told me I had to pay for it, then they could give me a full refund once it cleared my bank, which was the following day. I used my bank card as credit, and they refunded the {$31.00}, the cost of the virus protection to my Best Buy card, which was not the card I used to make the purchase. There was {$22.00} credit on my Best Buy card due to interest. I want the {$31.00} back on my bank card not my Best Buy card. I also heard it is against the law to put the credit on a credit card that was not used to make the purchase. I have waited three weeks, and the refund has not been put back into my bank account. I called Best Buy headquarters on XX/XX/19 and spoke to XXXX, a manager, he told me to go back to the store and have them give me the refund. I told him that the store made the error of not including the virus protection, and then put the credit back on the wrong card, neither one was my error. Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, Transunion, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the balance of the JPMCB Card with the negotiated understanding that the negative impact on my credit reports would be removed. I was told letters would be sent on multiple occasions as well as emails showing this. I have called multiple times with customer service hanging up on me and transferring me as well as being told the letter is being sent to no avail. 
XXXX is the customer service number
Product: Credit reporting or other personal consumer reports

I been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both they say that is a secure card but I never open or I never knew that it was open
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe XXXX XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or XXXX XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. My ongoing issues are with Equifax. I informed them several times via letters and phone calls that they have a lot of incorrect information reporting on my credit report and to please remove it and they keep telling me that they can't find me in their system. So I sent them pictures of my I.D . my social security card and a bill in my name along with my disputed accounts and it's now been about 45 days and I haven't heard or received anything back from them yet. They are violating my consumer rights and they aren't taking my issue serious nor are they trying to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've followed the instructions on Equifax’s TrustedID Premier website and cannot access the site. I've used XXXX and XXXX browsers but the TrustedID Premier website is experiencing continuous outages and the customer service phone number has a long wait times and busy signals.
Product: Debt collection

I recently checked my credit report history and seen there was inaccurate information on my account in regards to XXXX I did not sign for nor I did agree to this account being open i am filling this complaint to ask that it be removed from my credit history the account number is XXXX
Product: Debt collection

They call multiple times a day, every day. I don't know what they are trying to collect other than it says XXXX XXXX XXXX. I lost my job in XX/XX/XXXX and in the process of obtaining a new one. The calls are are annoying, repetitive, and flood my voicemail.I am also registered on the Do Not Call list.
Product: Debt collection

After consulting with XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid, on Monday, XXXX XXXX XXXX, I wrote and posted a NOTICE TO CEASE COMMUNICATIONS letter to Midland Credit Mgt , Inc. ( hereafter, MCM ). 

The first paragraph expressly states, " You are hereby notified to immediately cease all communications with me regarding the collection of a debt. This includes by telephone, mail, email, or any other means of communication to my home. 

I went on to inform MCM that " The debt is not enforceable because I am a low income senior citizen ; I have no cash reserves or other income to satisfy this debt. My sole income is Social Security which is collection proof ( judgment proof in common parlance ). Social Security is exempt from garnishment [ per Federal law ]. '' I also expressly stated in my letter to MCM that " Any further contact by your firm is a violation of the Fair Debt Collection Practices Act and could result in judgment against you for actual or statutory damages plus attorney fees. '' On Thursday, XXXX XXXX XXXX  I received a phone call at XXXX XXXX XXXX, even though I had expressly written the above letter referencing MCM 's account # XXXX regarding collections communications cease. 

I declined this telephonic communication. 

I do not intend, nor do I have any desire to be harassed by any member or assigns of MCM , Inc. The Fair Debt Collection Practices Act is quite clear on this point. MCM was put on written notice that I have to desire for any and all communications from them. 

XXXX XXXX is not on retainer. She merely provided advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency will not remove inaccurate accounts from my credit report that I have filed identity theft for and disputed. XXXX XXXX XXXX, XXXX is listed three times on my credit report. 1. XXXX XXXX XXXX, XXXX for {$390.00} - 2. XXXX XXXX {$620.00} - 3. XXXX XXXX XXXX XXXX  {$620.00}. Two of these account have the same account number, amount and the same information. 

The other two major credit reporting bureaus have removed these accounts and updated my credit file, but Equifax still shows these three accounts and it is affecting my livelihood. I am in the process of purchasing a home and have been denied twice, due to Equifaxes incorrect reporting errors. 

On XX/XX/2018 I informed Equifax once again that I am a victim of identity theft and faxed them a copy of my Drivers License, Social Security Card, a current bill with my name on it and my FTC Identity Theft Report. I placed a security freeze on my credit report and took all the necessary steps that I was advised to do take by the FTC Federal Trade Commission.
Product: Consumer Loan

I had a vehicle loan with Wells Fargo Dealer services and traded vehicle in and they took a ach payment out of my acoount 3 days after they received my payoff check.
Product: Debt collection

This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says XXXX XXXX. My name is not XXXX!!! My full legal name is XXXX XXXX XXXX.XXXX is a guys name and XXXX is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! This debt is CLEARLY not verified and clearly is not mine!!!!!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a
payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll never live at the following addresses this is all incorrectXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought a home from my father through an FHA loan through NewRez Fiance address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX phone number XXXX on XX/XX/year>. The closing paperwork changed numerous times when I told them repeatedly it wasn't right. XXXX XXXX continued to tell me it was when it wasn't. He told my father all the wrong information to put on the documents he had to submit. The loan was supposed to be for {$110000.00} so my XXXX could pay the payoff of the house of what he owed which was {$84000.00}. XXXX XXXX told my father to put house was selling for {$200000.00} which was wrong. It was supposed to be for the payoff of my fathers loan on home and he wanted nothing else since he gifted me all the equity in the home which was suppose to be {$110000.00} but XXXX told him to put " Not to Exceed '' {$110000.00}. When closing date came the loan was only {$100000.00} and I was charge {$10000.00} for closing cost on an FHA loan and that is not what they told me before the closing date. Everything NewRez did was wrong so the money I received at closing was {$9000.00} when it was suppose to be {$27000.00} minus closing cost which was suppose to be way less than over {$10000.00}. I've had several family members that have closed on {$500000.00} homes and never been charged over {$10000.00} for closing cost and fees. I was a first time home buyer, on Social Security Disability benefits, had an FHA loan and never received a discount at all. I looked up NewRez on the BBB and I'm not the first person they have stole money from or the governments money. They have a 1 star rating. I want this company to give me the money they took from me. Also my house payment was only suppose to be {$700.00} since I told them I could not afford anything over {$900.00}. My house payment is {$940.00} a month which I'm going to struggle to pay each month. This company ruined my life and did absolutely nothing they said they were going to do. No one ever went over the paperwork with me to break down the numbers and cost after I asked repeatedly from XXXX until the end of XXXX. XXXX XXXX told me he would reach out to do so and never would. I would call him over and over and he would never return any of my calls. I finally just signed the paperwork at closing the way it was written up because XXXX told me if I didn't then I was going to be denied for the FHA loan and I would have to start all over again and they would deny me which was nothing but a lie he wanted to make a profit. All of this information has been recorded on NewRez phone lines and some in emails that I saved. I want to see if I can get a lawyer to help me sue this company for what they did to me and how I was treated and taken advantage of. PLEASE HELP
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge about them, and the company conducted them without my consent.
Product: Credit card

Apple Card holds payments for 7 business days before updating credit limit, despite funds already being withdrawn from bank account. This means that despite paying the credit card on time, there is a 10 day period of not having access to credit on the card. 

Support will not manually release the hold. They advise that the only way to avoid a hold is to pay the credit card balance via Apple Cash and that it will then be adjusted immediately.

I am not sure whether forcing consumers to use Apple Cash for timely release of their credit is legal but it is inconvenient. There is no notification when you make an ACH payment that your credit will not be updated for 7 business days. This is a big annoyance and has resulted multiple times in $ XXXX of credit not being available to me more than a week after submitting an on time payment. Please help.
Product: Money transfer, virtual currency, or money service

Hi I had filed a complaint with XXXX XXXX Bank of America, XXXX XXXX XXXX XXXXXXXX. Bank of America tried to contact me but however, whenever I tried to call back there was no answer and they closed my case. As per the letter I received from XXXX XXXX XXXX XXXX XXXX XXXXXXXX tXXXX XXXX stated that they did not receive any ACH return request from BofA for the transaction. 
BofA has not been helpful at all.
Product: Vehicle loan or lease

the company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have a right to privacy and I never received or was told that I could Opt out from my nonpublic information from get report. This is a violation of my consumer rights and identity theft
Product: Credit reporting or other personal consumer reports

The following hard inquiry currently listed and showing on my Experian credit report is a fraudulent and unauthorized hard inquiry : XXXX XXXX XXXX XXXX, XX/XX/year>
Product: Debt collection

Regional Finance continues to contact my personal phone and my work after being told I have no knowledge of this debt and to stop calling. A letter was also sent to them to cease and desist
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error in my credit report after getting the acknowledgement from the creditor in XX/XX/XXXX, for XX/XX/XXXX, for 7 times. Each time XXXX  just closed it without proper research and I am not able to even dispute online any more as they abruptly close the window where dispute is entered and it goes back to starting g screen without saving any work. After complaining to Attorney general of California, the creditor again issued the correction letter. All my credit cards increased interest rates as my score went down from XXXX to XXXX due to the error. Unfortunately XXXX  propagated the changes to other agencies also and all my reports show the error, and keep coming back after i individually correct with them. Need a resolution asap. Please attached documents for review. Please review and make decision if possible than just forwarding it to someone and then abruptly closing the case based on improper response. I am really tired of the incompetency of the agencies and penalized for their errors even when they promise legendary customer service
Product: Checking or savings account

My complaint is in regards to my unemployment lump sum fraudulently stolen out of my BofA checking account ( California EDD ). The amount was approximately {$17000.00}. and the timeframe was between the 2nd and 4th quarter of 2020. A person, who I knew, fraudulently and without my permission stole every penny from my BofA checking account without my permission. I tried resolving this matter with Bank of America but they did not overturn the money back to me. The bank also states that there is nothing that can be done. My hard earned wages through blood, sweat and tears will not stay in the hands of the bank when it could go into my daughter 's college fund. Please help me resolve this. I'd like the bank to be on my side, but they're not. I need your help. Thank you for your time and patience.