23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, Professional Bureau of Collections of Maryland contacted my  husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as XXXX XXXX XXXX. I have never banked with XXXX XXXX XXXX or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. Thank you.
Product: Checking or savings account

Some scammers got a hold of my online banking account pretending to be Wells Fargo and me and XXXX  themselves XXXX out of my account and also tried to get {$150.00} out they denied my claim when it had to be a security breach on their end for the scammers to get my user id and also gave access to Wells Fargo system
Product: Debt collection

CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.
Product: Student loan

About 11 years ago I consolidated my student loans. I think it was with XXXX XXXX. At some point they were transferred to Navient. I have been working for a qualifying non-profit for nearly 10 years and was looking forward to the Public Service Student Loan Forgiveness program. Unfortunately, I have been informed that the past 10 years worth of payments do not count because I failed to consolidate under a XXXX Student Loan. I would just like to participate in the forgiveness program. Is there any way I can get the government to honor my 120 payments? If I consolidate now and start paying my new Direct Loan, I will be paid off before 10 years is up, since I 've already been paying for 10 years. It hardly seems worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : Capital One Auto Finance
Product: Credit card

On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. 

I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. 

I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. 

I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. 

I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. 

I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint # XXXX XX/XX/XXXX I purchased a vehicle using XXXX XXXX XXXX XXXX as the loan provider. I made every payment ; occasionally a week or 2 late. However, payments were always made. I had a payment not clear because they cashed the check before the payment was due and the check was dated for, however they continued to cash my checks afterwards. XX/XX/XXXX, a repo man showed up at my job to take possession of my car. I contacted XXXX XXXX XXXX XXXX because I could see on my bank account that they had received my payment. they advised they were not going to cash the check and wanted cash for the current payment, the next month 's as well as the fee for the repossession. As I was in XXXX and XXXX XXXX XXXX is in XXXX, the time difference didn't allow for me to get to the bank for the cash as it was already past XXXX est. I had no choice but to let the repossession to happen. On my credit report they show my account current until after XX/XX/XXXX at which point I no longer had the vehicle. I received notification they were outing the car up for auction, however I never received any paperwork after the sale of the car. They charged off {$9500.00} for what I can only assume is the amount they sold the vehicle for. I initially financed {$12000.00}, making 7 months of payments of $ XXXX. I have contacted XXXX XXXX XXXX on multiple occasions to request proof of sale at the auction. they have refused to provide me the requested information or allow me to speak to the person who can provide me the information. 

If the initial loan was {$12000.00} and they sold the vehicle for {$9500.00} at the very least my balance should be {$3200.00} ; however the payments I've made should be factored in the balance as well. 

I've attached the credit report ; item 1 is the account information that you apparently could not find previously. I have also contacted my cell phone provider to obtain a list of the calls I've made. I will send as soon as I receive.
Product: Debt collection

I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at XXXX. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!
Product: Credit card or prepaid card

On XX/XX/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much XXXX
Product: Mortgage

We have auto-payment for our mortgage set up, going from our bank ( XXXX ) to our mortgage company ( Nationstar ). We have bank statements showing those payments have occurred consistently and have not been returned or rejected by Nationstar. They told us that they do n't have record of our last 3 months of payment. We have submitted bank statements and yet they still ca n't get this fixed in their system ( they have now found the payment for one of those months but not all months, and have indicated that some of the payments we sent were incorrectly applied, but tried to blame that on us instead of taking responsibility and fixing it ). They even sent our case to their collections department, where the staff were belligerent as well as unable to solve the actual problem. Now our credit report shows that we are 30 days late on our payment. They have assigned late fees, which should be removed. This is not the first time they have wrongfully assessed late fees on our account. We have attempted to resolve all of these issues with Nationstar and despite hours on the phone and providing the documents they request, we do n't see this being resolved easily. Thanks in advance for any help you can provide.
Product: Debt collection

First found out that I had a collection through checking my credit  XXXX . It was  XXXX  and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have  XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then  XXXX  again but now it is through  XXXX , had to go through the same thing and they removed from my credit. Again  XXXX  and  XXXX  through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on  XXXX / XXXX /  XXXX   and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact  XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.
Product: Credit card

I have twice requested on recorded phone lines for the EXACT ARRANGED AGREEMENT of debt collection. I do not have the date of first request, but 2nd request was XX/XX/2023. Department is nothing but hostile, denies not sending it, when they have never sent it. American Express is willfully withholding information and documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TransUnion for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Transunion to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. i even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " 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. 
I am the consumer and XXXX, XXXX, and EquiFax are the consumer reporting agencies. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto , charged-off my auto loan around  XXXX . Insurance and GAP insurance made the payment after the charge-off. The account is no longer a charge off as it 's been PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect addresses and names should have been removed from my Credit Report. I called Equifax, XXXX, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.
Product: Credit card

I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has taken it upon themselves to take {$23.00} out of my checking account in XXXX and they are trying again to take another {$23.00} out of my account-Only the funds arent there. I tried to email them after the transaction went through at the beginning of the XXXX XXXX. I want a STOP put to this and a refund. I NEVER asked for their services and I live on a fixed incomeXXXX. Thank You.
Product: Student loan

I believe I was a victim of predatory loaning. I was given loans of over {$20000.00} while homeless with absolutely no way to pay them back and was not given proper counseling. There was no system in place to decide if I was a proper candidate to recieve loans and in all other situations where lenders are in involved it would be impossible for a person with zero income that was also homeless with very poor credit to recieve such massive loans. I believe these practices are predatory and should be illegal. I do not know how to continue with this complaint or whobto contact.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hi, I was a telephone subscriber through XXXX XXXX with the account number ( Account : XXXX ). On XX/XX/XXXX, I cancelled my account ( single phone only with one number ) with XXXX XXXX after ensuring that all balances were fully paid and that any remaining equipment as per the terms of my existing lease was returned. I ported my number to XXXX XXXX and have used that service to this day.
In XX/XX/XXXX, I received a letter from XXXX XXXX letting me know that I owe them {$240.00}. Upon contacting customer service I was informed someone reactivated my account on XXXX XXXX and obtained a phone.I did not authorize this and had no knowledge of this action as I had already ported onto another service and no longer even had a XXXX XXXX online account to even confirm these findings. To stop any further transactions as a result of financial identity theft I immediately asked for the account to be re-closed and asked XXXX XXXX to start a fraud investigation. Upon their request, I also filed a report with XXXX Police documenting the theft of my financial identity ( REPORT NUMBER : XXXX ) XXXX XXXX then claimed that they believe someone who was previously on my account before its closing may be responsible and demanded that I produce a police report naming them to let this fraud be not deemed my responsibility. I contacted XXXX police and they informed me that since for me to file a specific complaint such as demanded by XXXX XXXX, I would need to know where the fraud happened and when. Despite numerous calls to XXXX XXXX to resolve this matter they have refused to give me this information and then subsequently passed the account which has ballooned to over {$800.00} now onto a collections agency called Receivables Performance Management.
I contacted them too to give them the information in XX/XX/XXXX I have detailed above, but was recently surprised to see that they have reported negative information to two different credit bureaus - XXXX and XXXX at this time and a loss of XXXX points on my XXXX XXXX. I am opening disputes with both of them to address this issue.
I am requesting that this debt be cleared from my name as I have not authorized it in any fashion and have been a victim of financial identity theft. I am happy to work with XXXX XXXX or the collection agency to file additional reports if needed but request a path to ensuring my financial record is not damaged due to no fault of mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Honda finance is to be removed from my credit report it has been over 7 years. And I paid off settlement account closed for 5 years. Delete from my credit report.
Product: Debt collection

Midland Credit Management has placed a collection account on my credit report for {$13000.00}. I never had an account with Midland Credit Management and want to see proof they own this debt. 

I want to see a bill of sale and/or assignment specifically showing my name and account number. If the bill of sale is governed by purchase and sale agreement, I want to see a copy of that also to verify a clean chain of custody. 

I also want a copy of the assignment of my account to Midland Credit Management. This assignment must show my name and identify the account being assigned.