23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

someone got a hold of my CC. There was about 20+ charges for the XXXX XXXX and email confirmations of the orders were immediately sent to me and I called and let them know that, they were fraudulent charges ( gave them dates and times ). I was told that after investigating I had ordered a medium sized XXXX XXXX that I would be responsible for. Mind you this was orders during the time someone got into my account. Now @ barclaysbankus is sending me a bill and interest for the charge. The balance on my account was {$0.00}. Im not paying for a too small jacket that I didnt order nor the interest. And also, your fraud department is rude! Play the recording on that! 
Long story short, they are holding me responsible for fraudulent charges and interest after I reported the date and time of the charges and they said I would not be responsible for it.
Product: Debt collection

On XX/XX/2020 I received three anonymous phone calls on my work number, as well as three additional calls on my cell phone. 

I received information by a non-relative who provided me with the same information as they have contacted at the very least 3 other people. 

The caller states there name is XXXX XXXX with " XXXX ''  and will be serving me with my certified documents between the hours of XXXX  and XXXX at either work or home and I need to contact them regarding this debt right away at XXXX. THis information was provided to other individuals who have had no relation to me, nor have been placed on any reference list. 

When I contacted the number " XXXX '' responded by letting me know that I owed {$4400.00} from a debt with Ace Cash Express and if I would be served with certified documents. 

I inquired as to why they were contacting individuals with no relation to me and she responded " You have them as a reference '', I asked for her contact information including address, company name and was only given " XXXX ''. I asked for a valid address and she refused repeatedly. She informed me she was not required to provide me with any information because I owed a debt. 

I asked to speak to her supervisor. After several attempts the supervisor stated that at first I had the individuals down as a reference. I asked why they called thousands of times ( in general I did not count ), and he stated " no we called 12 times as well as others to try to contact you ''. 
I asked how he was able to receive information for individuals I have never had as a reference and he stated that he was able to get the information based on my social security number and contacted everyone who has had a connection with me. 

I asked him for their address and he refused and stated " I don't need to give you anything if you are not telling me what is harassing about our calls ''. I informed him that they were in violation of the Fair Debt Collection Practices Act and am requesting their information. He responded by saying he wasn't required to give anything if I didn't tell him why I thought they were harassing. 

I have called back repeatedly but I seem to be blocked from their number.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/2019, I contacted GM Financial in hopes of receiving relief because I was 14 days behind in my payment. Therefore, during this call, GM Financial Representative provided several options, then I proceeded to exercise one of those options, which I was immediately denied. Confused, I inquired about the denial, the Customer Representative stated, I needed to pay my bill, which was 14 days late. I requested to speak to her supervisor, the representative tone, volume, and pitch became increasingly unprofessional and hostile. Therefore, the GM Representative ( XXXX ) eventually disconnected the phone, while I was in mid-sentence. I called back, to only have a representative answer, while obnoxiously laughing. A couple of weeks had past and I requested for the vehicle to be repossessed, then the charade begun, with " we are sorry for how you were treated, '' " we are sorry the representative misinformed / misquoted our policy. '' In addition, the representative falsified the notes, which created a debacle about whose telling the truth. Well, I have written the XXXX, and provided more in-depth information, and I can say my biggest mistake was becoming a customer of GM Financial. I am completely disgusted with their treatment of me and this topic. Furthermore, I was talked out of returning the vehicle ( repossession ), because I was informed, if I paid a small fee, that XXXX and XXXX payments would be placed at the end of the contract and my credit would be restored, which was another lie. As aforementioned, I should have never became a customer at all. I have 59 miserable payments to go, which I feel ( re ) victimizes me every month, afterwards, I will request for it to be deleted from credit report, because I never want to look at this mistake again.
Product: Debt collection

My payment was due on XX/XX/2023. On XX/XX/2023 ( Sunday ) I receive 3 calls from phone number XXXX. I spoke to a representative on XX/XX/2023 at XXXX XXXX The I advised the representative my bill is less than 48 hours past due and I have received several call already, yesterday was Sunday and the banks are not open here.The representative informed very rudely " if you just pay your bill, we stop calling. '' I advised him again it is just now due and for him to not call me again. I received 2 more calls that day. 3 calls on XX/XX/2023 3 calls on XX/XX/2023 3 calls on XX/XX/2023 ( made the payment and a complaint ) and received XXXX call so far today from that number and several other calls from this company on a different number.
Product: Checking or savings account

On X/X/2017, I received a text message from Chase bank stating that there may be fraudulent charges on my account. I replied by stating that I did not make the charge. The charge was still pending at this time. I called Chase shortly after I replied to the text message. They informed me that the claims department would refund my money and they did a few days later. On XX/XX/2017, they took the money back out of my account. The amount was for {$74.00} to XXXX XXXX, who I had never purchased anything from in my life. I contacted Chase to get my money back. They informed me that I needed to contact XXXX XXXX to get my money back. I contacted XXXX XXXX and they informed me that they do not reimburse fraudulent purchases and that my bank should refund me. XXXX XXXX also informed me that my transaction should have been pending on the account ( which it was ) and the bank should not have authorized the purchase and the item would not be shipped. I contacted Chase Bank and they provided me with an address as to where the product was shipped to but basically made it my responsibility to do the research on something they should have never released my funds on. The item was shipped to another state. I filed a police report with my local police department and Chase told me that I have to send them the copy of the report, instead of them obtaining it. I had to take half of the day off work in order to work on this situation, when this should have never been a situation.
Product: Debt collection

I was first notified by a telephone call in XXXX  from a woman who told me she was coming to my home to have me arrested and seize my property because I owed a debt to XXXX financial. I hung up and called XXXX, they had no record of any debt ever in my name. I had purchased a XXXX laptop and paid cash at XXXX. I contacted the store manager and he said it was a scam and to disregard it. So, I called the federal trade commission the same day and reported the number.

Since the summer XXXX XXXX, the debt collectors then called my senior parents and told them I owed money and if they didn't pay I would be arrested. After that I continued to get mail for this debt. I've called the company and told them I do not have any record of a debt with that company. And that it was never on my credit report. I contacted the company they are collecting for and they have no record of me owning money. But the calls and letters continue. Today I received another bill. I called again and asked them to stop. 

I have NEVER had a debt, credit card, loan, or payment plan with XXXX XXXX. I have no idea what this even is. I have pulled copies of my credit report for years. It's never showed up. I asked for a loan document with my signature, no one has given me anything. I don't know if this was sold to a debt collector as a scam or if it is identity theft but I don't have a debt with these people. And they have continued to harass me, my parents and the ones before them, harassed me as well!
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is distressing to know that you have included incomplete and erroneous details in my credit report, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports that you publish. The credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. However, it appears that you have failed to adhere to these laws, and have continued to report inaccurate information. I demand that you immediately investigate the following information, and provide me with proof of the alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX - XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The listed items are completely inaccurate and incomplete, and are a very serious error in reporting. It is unacceptable that you have continued to report such misleading information, despite being informed of these errors by other credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX is reporting late for XXXX. Payment was made as well as they are offering me a XXXX. 
On my XXXX statement the late fee was waived due to an error. I would like this status corrected. XXXX, Equifax and XXXX need to be corrected immediately.
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 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

As far as I can remember, I never owed money from anywhere else, but on XXXX of XXXX, all for sudden and out of blue, I have received mail from collection agency and they are called 'Credit International Corporation ' stating that I have debt that went to their collection agency and stating that there is interest amount as well. but never received any other validation email from those folks prior to receiving this mail today. And I'm pretty sure I never used any service or goods without paying anything or never had a call from anywhere that I had due from them ...
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.
Product: Credit reporting or other personal consumer reports

Hey this information the bureau are reporting inaccurate information on my report. Also reporting incorrect information that not XXXX percent accurate. By law and according to 15 u.a code 1601. This item need to be deleted for the inaccurate information. Please remove and delete this from my credit report.
Product: Debt collection

This account is not mines, I tried reaching out numerous times to XXXX  regarding it. Even submitted a police report. This collection agency never tried reaching out to me XXXX just placed this account on my credit report.
Product: Student loan

I am low income and applied for the newly introduced Saving on a Valuable Education ( SAVE ) Plan. I was deemed eligible with a predicted monthly payment of {$0.00} ( I make approximately {$13000.00} a year which according to SAVE means I will have no monthly payment or interest while my income is below {$32000.00} ). My application was processed and accepted and I was told that my eligible loans were places on an income-driven repayment ( IDR ) plan on XX/XX/XXXX. 

However on XX/XX/XXXX I received a Billing Statement stating I owe {$650.00}. Thinking it was still processing and would update soon, I waited a few day, but didn't get an updated statement. So I went to look at my loan details and the SAVE plan was only applied to XXXX of my XXXX eligible loans. I called immediately and was connected to a Mohela rep named XXXX at about XXXX XXXX  on XX/XX/XXXX. 

She told me she had no idea why the SAVE plan was only applied to 4 of 10 loans and that it should have been applied to all 10 Federal loans because they all were eligible and there was no error on my end.

Even though the SAVE plan should have been applied to all loans, she did not have a way of fixing this herself, so her solution was to have me reapply for the SAVE program over the phone. As for the currently due payment, she suggested putting the loan in Forbearance. 

The biggest issue with this is that I am now accruing daily interest while I wait for them to fix their error. Since XX/XX/XXXX, I currently have over {$70.00} of interest accrued and it goes up daily, when had the plan been applied appropriately and correctly the first time, there would be no interest. 

I just received a notice from Mohela titled " Correspondence Processing Delay '' which states it may take up to 90 days to process my request. This is another 90 days of interest that I was never supposed to accrue all because of a technical error on their part. 

It feels really unethical to first incorrectly apply this Federal SAVE program, send me a bill for loans I should not owe anything on, and now charge me interest daily while they take an unreasonable amount of time to solve the issue. And reading online, it seems many others have had this issue.
Product: Debt collection

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I just getting emails that I have opened account with a company called " Chime '' I didn't even heard about it before this emails. I got like direct deposit form in my name. I called that company but I felt was no safe to share my personal information with them. I only provided the account number. They said they couldn't do nothing about it? .I was doing my research before submitting this looks like this " company " is doing this or at least doesn't verify who is opening accounts.
Product: Mortgage

My Wife lost her {$95000.00} job due to a XXXX. 

I filed a Loan Modifications and Select Portfolio Servicing, servicer of our Loan is forcing us to sign a 7 % Loan Modification, when the Prime Rate is now at 0 %. 

Since I will not agree to the 7 % Loan Modification, Select Portfolio Servicing is Foreclosing on my Property. 

I need help, so I can get this Hardship Modification complete. 

Thank You, XXXX XXXX XXXX ( XXXX  ) XXXX-XXXX
Product: Checking or savings account

XXXX, While on a plane from XXXX to the United States I received a security message regarding a charge of {$420.00} at a XXXX in XXXX California. I responded to the message stated I did not recognize the charge and upon landing at XXXX I called the recommended number to report and dispute the transaction. It was not possible for me to make this transaction as I was not present in the country at the time and had my debit card on my person. When On the phone with the Claims agent I contacted from the number XXXX, i specified that this is fraud for the reasons mentioned such as not being in the country and having my physical card on my person as well as utilizing my card via chip while traveling. I also stated I would like to have a new card delivered and open a fraudulent claim on the transaction. I was told I would receive a phone call and email once the claim was resolved. 

XXXX The Claim was resolved and the transaction was deemed authorized but I received no direct communication other than a letter in the mail. 

XXXX XXXX I received a letter in the mail stating that my claim of fraud was denied and the transaction in question was authorized. I then called the claims department the following Monday to be informed that they can not reopen my claim as it was already decided. Additionally when i requested formal documents from the claim review it was stated that it would take 60-90 days which would place any inquiries I make about this instance of fraud invalid as they are not within Wells Fargo 's stated period. When requesting the names of the individuals I had spoken with to issue my claim with Wells Fargo in an effort to collect information for a claim to the proper regulatory channels that information was denied to me. I was informed by a secondary agent on XXXX that the individual who originally filed my claim misfiled it as a dispute rather than fraud and this is why they are unable to reopen my claim. I have multiple forms of proof that I was not in the country at the time of the transaction as well as the security messages and bank statements showing my prior transactions were overseas with my physical card. My claim as of right now is being denied on the basis of " Wells Fargo has ways of determining if a transaction was authorized or not '' according to the primary claims department agent I spoke to on XXXX. The misfiling of my claim should not fall onto me as it is not my error in the resolution of this issue however it is barring me from reclaiming the money that was fraudulently used to purchase {$420.00} of goods from a XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was horrified to discover inaccurate accounts on my credit report this morning with no explanation for how they got there. Checking my credit is a regular habit for me, but this time, I was blindsided by unexpected errors. I refreshed the page, hoping it was just a browser issue, but nothing changed, leaving me both shocked and frustrated. I ask that the documents Ive provided be carefully reviewed to ensure this kind of mistake never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.