23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

H & R block-Emerald Card was set to send me a new card because there was fraud committed on my account. There were some fraud internet charges that they thankfully managed to stop. The new card never arrived, and on Memorial Day I received text notifications that there were ATM withdrawals on my account. I tried calling but offices were closed due to the holiday. Later that same day, I received e-mail notifications that someone was trying to link my new card to another H & R block account. I called the number on the e-mail, and again no answer because offices were closed. The following day I called and informed them of the entire situation. They sent me forms to fill out to formally file the Fraud claim. I e-mailed the forms over and was told through the phone that someone will contact me about the " investigation ''. Today, XX/XX/XXXX, I called for an update and was told that the claim was denied and that the decision was final, and to wait for a letter in the mail about this. No further information was given. I called a total of five times to H & R block and the Emerald card people trying to find out anything about the reason and to reach the team that conducted the investigation. No one could tell me absolutely anything. Neither about my claim, the so-called investigation, nor the denial. They don't even have a direct number to the " investigation team '' or department. Almost {$2000.00} were taken from my account. 1. I was never contacted by the " investigation team ''. 2. They clearly have recordings of me calling to inform them that someone is stealing my money and trying to link my card to their account. 3. What did they investigate?! and why doesn't anyone in their team know the reason or can give me a number. If someone was trying to link their account to my card, who was it? If they used an ATM machine, request recordings! Why don't they prosecute THEM? My account is left with {$6.00}!!!! and I get my claim denied with no information but to " wait for a letter in the mail that will arrive in 5 business days ''. That doesn't help me at all.
Product: Credit card or prepaid card

I placed an order with XXXXXXXX XXXX online for a {$800.00} pair of XXXX shoes. I used Klarna to pay for this purchase. When I placed an order with XXXXXXXX XXXX, I requested for signature required when sent by XXXX and paid extra for the service. XXXX delivered the package to an incorrect address which we do not where it was delivered to. I reached out to XXXXXXXX XXXX to advise we did not receive the package and they are refusing to refund the money back, or replace the product. I have sent pictures of my front door compared to the front door that XXXX took, Ive sent screenshots where I placed the order for signature required, and a screenshot on XXXX  showing no signature required. Since I could not get a resolution with XXXXXXXX XXXX  I contacted Klarna. Klarna has reached out to XXXXXXXX XXXX and states that XXXX XXXX shows that a product was delivered even though its the incorrect address and they are refusing to refund. Klarna is only going by what XXXX XXXX is stating even though Ive sent them the same screenshots proving that I did not receive the product and they are refusing to take the product off of my credit. I am currently paying this to keep it from going on my credit score But I need a refund for a product I did not receive
Product: Checking or savings account

On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX  XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!
Product: Debt collection

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and have XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the company. I submitted a online dispute to Sequium Asset by so far have not heard from them.
Product: Credit reporting or other personal consumer reports

NelNet had never used proper or reasonable means to notify me my loan payments were resuming in XXXX XXXX. I had not received any calls at all. I found later after they reported they had a decade plus email on file and send lt communication that I was past due. They never reported a missed payment once to the credit bureau instead I only found out about this as my credit score I built up to XXXX was destroyed as they went right to delinquent rather than attempting to notify me of the issue. Once I found out I immediately brought the acct current and set up autopay.
Product: Debt collection

I recieved a phone call from XXXX  XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.
Product: Debt collection

For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

Judgement in XXXX, TX I 'm not the correct person and I received a letter from the court stating they have never nor do they report to credit and they claim equifax and experian must be getting this information from a public data site. XXXX has removed it based on the letter equifax has not. Again, these have been NEVER reporting to any of the credit bureaus. We have asked or proof and validation of the Judgement from Equifax and XXXX and both have failed to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out on XX/XX/XXXX2022 and received no response from department of education/ XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA  PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [
Product: Debt collection

I have unauthorized inquiries and fraudulent activity on my credit report. Inquiries are 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 15 US. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theftif Please delete these items IMMEDIATELY?

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 US Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT. As a consumer all accounts listed deleted IMMEDIATELY! XXXXXXXX XXXX XXXX XXXXXXXX, SAVIT COLLECTION AGEN XXXX.
Product: Mortgage

I have tried to pay-off this loan since XX/XX/2020. I requested the pay-off amount and was told that the loan could not be paid off without first receiving a pay-off letter from PHH. It was not a problem but during that time, the mail was slow. I requested the pay-off amount through via secure email and was told that was not possible. I did submit this issue to this agency but did not see where proper resolution occurred. In fact, the check that was forwarded to PHH ( {$35000.00} ) was returned. 

I have been paying ahead $ 5000 monthly. The balances received have not been reflective of the payment amounts -- interest and principle. The balance is now approximately {$10000.00} and I am now past due. 

This month, I received a past due payment amount of {$390.00} although the previous amount paid in XXXX was {$5000.00}. The XXXX payment was {$1000.00}. This could affect may credit rating as well. 

This company is intentional about discouraging pay-offs and is actively engaging in practice that could be considered as discriminatory. The practices that I am seeing appear to be not even legal.
Product: Debt collection

I disputed the following accounts from my report on XX/XX/year>. 

SELF Financial/Lead BA Secured Loan account # XXXX balance {$150.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection 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  I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX
Product: Money transfer, virtual currency, or money service

My XXXX father with limited English language and computer proficiency started trading crytocurrencies for a brief period in 2021 on the Robinhood platform. I was living in his home at the time, so I was able to provide him with the assistance he needs in order to not need customer service assistance. Since then, I have returned to my own home and have assisted him with basic online needs remotely. 

The problem arose when he requested tax documents to be mailed. Since he is unable to get them online, I was able to work with his other brokerage firms to get his tax statements mailed to him. When we tried to get them from Robinhood, there were all sorts of issues, including : - no direct phone number that can be called to reach a live customer service representative - completely useless online customer service email correspondence to the issue at hand in numerous attempts to get the service we needed - what felt like robo customer service with no discernment for emailed customer inquiry While I understand that one presumably needs to be technically proficient to trade a technical product, these are real financial transactions with what the XXXX indicated today is a SEC-regulated financial instrument. The customer service setup implemented by Robinhood has set up unreasonable barriers under the auspices of account security to prevent certain segments of their trading customers to easily obtain tax documents required by the IRS in a non-online method. If they can not match their peer brokerage firms in being able to provide equal ability to call in for a simple request like mailed tax documents, this should be regulated just like any other financial institution. I should not have to " hack '' into my father 's email and Robinhood account ( all with his permission ) in order to get the documents when a simple phone call would have handled it within five minutes, like with his other trading account firms.
Product: Mortgage

We are one of the many American 's that experienced hardship as a result of covid-19 Lockdowns and restrictions. Sometime on or before XX/XX/XXXX, we contacted our mortgage servicer ( PHH Mortgage ), and explained that as a result of lockdowns and covid-19 restrictions, could not meet the mortgage payments. In response, a PHH Mortgage representative told us not to worry and further claim that PHH was helping their customer get thru the pandemic. The representative said that we was placed on a forbearance plan and when ready to resume the mortgage payments, all unpaid balance would be placed on the back of the loan. We have been trying to resume our mortgage payments for many months while PHH have entertained us with many follow up calls and paper work to no avail. PHH Now wants us to pay the full balance and filed a foreclosure action despite our verbal forbearance agreement back in XX/XX/XXXX. Instead of honoring our forbearance agreement, PHH filed a law suit on XX/XX/XXXX for non payment. PHH has engaged in Unfair Business Practices, misconduct, and abuse in connection with the Cares Act. Under the Cares Act homeowners can engaged into forbearance agreement due to the pandemic restrictions and lockdowns. Clearly PHH has violated every sentence of the Cares Act in connection with this loan. We ask that you investigate the matter and forward a copy of this complaint to the Government Accountability Office NPR for sanctions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX sent me a Notice of Summons for a debt with Discover Card. The summons I received was Overnighted by XXXX XXXX but had information from another Discover Borrower, giving me all her information including Debt owed. It would seem that that person or someone else received my personal XXXX XXXX information. 

When I called the Law Firm I was told that I have a debt and that I should contact the Federal Agency to file a complaint. I was told that a Summons does not have to go to me, it could go to any relative or responsible party, well my information went to someone not familiar with me.

The Law Firm said that they received an affidavit that stated I was served which is either Fraud or Negligence. 
So my financial information as well as the other party received other peoples information And a Judgement was entered unlawful as Affidavit the law firm received was erroneous, and since it was outsourced they are responsible for all actions, at the same time Discovywould also be responsible as they are the Creditor and are ultimately responsible for outsourcing their business needs.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Payday loan, title loan, or personal loan

This account was closed ( Account # XXXX ) by this company more than 30 days ago and I have not received my payout. I have tried contacting by phone several times and it prompts an automated message then disconnects. I have also submitted two contact inquiries for support and no one ever responds at all. Where is my money?!?!
Product: Mortgage

complaint against GMFS servicing. 1. GMFS placed my account in forbearance without my knowledge and now has reported me to the XXXX credit bureas stating I was 65 days behind. I have never stopped but placed in what appears to have been in a suspense account. As a consumer I am unsure if loan payments has loan amortized correctly due to GMFS holding my payments in suspense. XXXX. When I called GMFS over 50 times and faxed them my bank statements to a fax number on their automated service numerous times without response, spoke to XXXX service representatives starting on Monday XX/XX/XXXX without a resolution. Every representatives I spoke to refused to review the previous statements that never reflected a past due amount up until a XX/XX/XXXX statement with a balance owed of {$5000.00}. There was one representative that finally answered and said " ma'am we do not see exactly where the past due balance is coming from, the month or the specific dates but we can see that you missed payments in XXXX. " I spoke to another representative that admitted some truth " The only reason we " GMFS '' is telling you its XXXX is because WE CAN NOT SEE ANY PAYMENTS before XXXX '' GMFS has basically reported me to the credit burae and sending loan modifications and credit counseling options because they dont have access to my records.
Product: Mortgage

I lost my job last year and had many financial hardships. I was about to save my home by doing a modification on by existing loan. I completed the trial period of three months than I began making regular payments to the company. After I started making regular payments the company sent me a ststement informing me that I owed them XXXX This was after legal documents were signed that stated How much I owed and, my new payment amount. 
My concerns are : 1. If I did owe this company additional money why was this not calculated into the modification. 
2. I have called this company multiple times and then state the XXXX is due to fees assessed. What fees? 
XXXX. If a consumer is already going through a hardship how can a company modifiy their loan and than expect them to pay an additional XXXX 4. This company had 6 months to identify all monies they believe I owed them during the modification process.Everything should have been involved in the modification process They are setting me up to lose my home of 25 years. And I believe what they are doing is illegal. Informing me of an additional amount of money owed after legal documents were signed and notarized stating I owed the company a dollar amount without this XXXX. This is illegal