23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX i keep receiving calls from an an individual with an XXXX voice from phone # XXXX, when i answer they hang up, when i call back i say where is this may i have your name please they don't respond said they cant tell me its a professional matter and if its not for me to hang up, I said where is this place why do u keep calling? they hang up, Im so horrified they called again on XX/XX/2024 and did the same thing i said to the gentleman you are taunting me from yesterday who are you im going to report this and thats when he said please dont and said the company 's name is TATE AND KIRLIN ASSOCIATE AND i said please you are terrifying me please stop and he said ok we will remove your number. 

Then i got a text from them about a debt from XXXX FOR {$460.00}, I dont have a contract and didnt or never signed anything with XXXX  PLEASE MAKE THEM STOP. XXXX ALSO HAS A COLLECTIONS ON MY 3 CREDIT REPORTS, i have never signed anything with them and they need to verify original debt. I have never had business with TATE AND KIRLIN OR XXXX
Product: Credit reporting

I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on mines.
Product: Student loan

the amount does not go down and infact the amount keeps going up at an intrest rate over XXXX percent
Product: Credit card or prepaid card

I reached out to Equifax two times regarding fraudulent accounts and they fail to uphold the law. they are violating my rights by not deleting these fraudulent accounts that I did not open, my identity was stolen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. You are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

Citi is using a Robocall to answer complaint and giving a number that don't exist to call back.
Product: Debt collection

Company called Empire Mediation or Empire Financial ( they reported they are known by different names ) repeatedly called my work phone stating that a debt is owed and that legal action will be required. They did have my name and last XXXX digits of my SSN. Problem is, I have no unpaid debt. They refused to give me an address for their company, stating that they are located in several different states. When I started asking questions, they told me that I sounded like someone that has a ton of debt. They hung up on me multiple times, and when I asked to speak to a manager, it was conveniently a manager that had answered the phone. They also told me that they had sent three certified letters, and that they are not allowed to send out any more per company policy. They told me to Google their company, which I had obviously already done, only to confirm that this is a scam. I know some people may be scared into paying this debt due to the caller threatening legal action, so I want to make sure others are warned of this bogus company.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of these unauthorized inquiries from my credit report, as they are negatively impacting my ability to obtain loans and secure credit. Additionally, I kindly ask that you provide documentation or confirmation once this matter has been resolved. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is a continue of your case # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on XXXX- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted CapitalOne invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed CapitalOne : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XXXX to CapitalOne let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XXXX and XXXX none were CapitalOne : XXXX XXXX XXXX has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
Product: Credit card

Citi Cards issued me a Citi XXXX Credit card. 
Citi had problems shipping me a credit card which delayed may aces to a card for 3 weeks after i was confirmed as being approved for the XXXX Credit Card. 

Per XXXX credit card I was going to charge on XXXX XXXX for XXXX {$250.00} purchase and be reimbursed {$250.00}. In addition Citi Manger XXXX, XXXX, notified me I was also eligible for the {$250.00} XXXX XXXX charge. 

Citi has NOW REFUSED to me credit for XXXX and XXXX. Citi recognized due to misinformed agents and late delivery of card I was prevented on making the initial {$250.00} in XXXX XXXX so XXXX, Kentucky Manager at Citi cards, authorized a {$250.00} credit in XXXX. 

Now Citi has CHANGEd the credits and REMOVED my {$250.00} credit for XXXX which had XXXX {$250.00} credit. 

Citi refuses to respond to this dispute and XXXX, Kentucky Manager will not call me back in 2 months! 

Citi is unprofessional and unethical to make promises to me and not reimburse my account as promised.
Product: Credit reporting or other personal consumer reports

REPORT # XXXX EXPERIAN PLEASE DELETE THE XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ADDRESS IS UNDELIVERABLE. CONTINUING TO REPORT THIS ERRONEOUS ADDRESS PUTS ME AT RISK FOR FRAUD AND IDENTITY THEFT. I DO NOT LIVE AT THIS ADDRESS. THIS ADDRESS NEEDS TO BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. XXXX also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
Experian has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
Experian is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
Product: Debt collection

Penn credit Corp has a XXXX XXXX  utility bill with XXXX XXXX XXXX date is was opened was XX/XX/2016 I never signed a contract nor did I show an ID I did not authorize this bill to be put into my name
Product: Money transfer, virtual currency, or money service

I have had a Square account for over XXXX years, which I have used for my business operations without any issues. On XX/XX/2023, without any prior warning or explanation, Square deactivated my account. This action has left {$800.00} inaccessible in my account. 
I have reached out to Square multiple times to understand the reason behind the deactivation and to resolve the issue, but I have not received any clear response or assistance. I have also requested to speak with supervisors, and while I was able to speak with one on one occasion, they did not provide any helpful information regarding the account deactivation. The others simply refuse to take my call, and the representatives proceed to disconnect the calls.

I find this situation completely unacceptable, as I have not violated any policies or engaged in any suspicious activities with my Square account. I have several accounts with Square, and this experience has left me extremely frustrated and disgusted with their lack of communication and assistance.

I believe that my funds should not be held hostage without a valid reason, and I request an urgent resolution to this matter. It is essential for me, as a business owner, to have access to my funds and to receive a clear explanation for the actions taken by Square.

Please investigate this issue promptly and ensure that I can regain access to my funds and continue using Square 's services without further disruptions.
Product: Mortgage

I requested Mr. Cooper provide a full accounting for all payments for 2020. I received a reply dated XX/XX/2020, The cover letter stated that on XX/XX/2020, payments on my account were reversed back to XX/XX/2020 to update the interest rate effective XX/XX/2020 to 1.625 %. The effective rate shown on my XXXX and XXXX statements were 1.75 % which is the same rate on the monthly ARM notices I received for those months. 

The reversal and reapplication of my XX/XX/2020 payment resulted in a higher balance. If the reversal and reapplication of my payments is due to a lower interest rate, then less interest would have been the result and more toward principal and a lower ending balance. Their reversal and reapplication of all subsequent payments for the year resulted in what I believe to be an overcharge of {$31.00} in year to date interest.
Product: Debt collection

The insurance Company sent me a check & said it was mine to cash for an accident in XXXX. Next thing i hear a collections company is calling me for the money. I then tried to make a payment arrangement by giving them XXXX and expected a confirmation by mail on the payment arrangement and the plan. They never sent me anything in writing and sold the debt and now they are harassing me and the original payment went up
Product: Consumer Loan

Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.
Product: Credit reporting

I was attempting to access my free credit report via XXXX and requested it from Trans Union, XXXX, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking Trans Union, XXXX, and XXXX to send me my credit report, preferably online, immediately.
Product: Mortgage

My mortgage loan was sold to Citizens Bank NA a bunch of years ago, I did not choose this bank to service my loan. I paid off my mortgage back in XX/XX/XXXX, and received confirmation that it was payed off. I have been waiting for my mortgage satisfaction/discharged ( to close out the lien ) to be recorded along with paid off loan documents to be sent now for over 5 months! New jersey requires a satisfaction/discharge to be recorded within 30 days, it has now been close to 5 months with no signs of any recording of any cancellation/satisfaction/discharge! All I get from customer service is 'our lien release department is busy, please wait longer ' after reaching out multiple times. This is unacceptable, this is violating NJ state law ( XXXX XXXX XXXX ). I have also reached out to XXXX, where they sent me a copy of the discharge paperwork, however the documents have not been recorded by the count clerk, and is verifiable online. I have reached out countless times, and am getting nowhere, and have waited long enough and wasted enough of my time tracking this down. This is for mortgage account/loan number XXXX. 

Dates with customer service discussions : XXXX XXXX  Complaint : XX/XX/XXXX, a discussion on phone on XX/XX/XXXX, left a voicemail without return to Chairmans office on XXXX
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. 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 theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX Collection Serve Amsher Collections Service
Product: Money transfers

Hello ... 
I live in XXXX NM XXXX. 
my parents residing in XXXX sent me a money wire transfer through Western Union. 
I first went to XXXX. 
I was told I needed to have an account. 
I already have a bank account with someone else. 
I do n't need another XXXX. 
I checked on the net and from there went to XXXX. 
XXXX has a cap/limit of {$300.00} ... 
I am expecting at least {$3000.00}. 
I wasted my whole day trying to find a cashing place with no luck. 
I go home and call Western Union. 
an agent assures me that XXXX or XXXX will cash my transfer up to {$9000.00}. 
I call XXXX and told again the cap/limit is {$300.00}. 
I call XXXX and the lady there tells me " her machine '' is broken. 
she can not cash my transfer until it is fixed. 
the " machine '' had been broken for a week, she says ... 
this is a joke. 
we are talking about XXXX. 
a huge international company. 
they charged my parents ( in XXXX ) a huge fee to transfer this money. 
I am going to call back a few places in the morning. 
but I am just afraid I am going to have to travel to XXXX NM. 
if right, I am going to have to take the afternoon train, it is a XXXX miles round trip and will waste my whole day. 
this is just not right. 
what if I were XXXX or something like that? 
what if I did n't have the means to get to XXXX? 
I talked to my bank XXXX and unluckily, is not affiliated with WU. 
I thought WU would be faster. 
my parents are old. 
they wanted to send a international check. 
getting them to do a WU transfer was XXXX. 
well seems the check would have been a better idea. 
this is unacceptable. 
and I can tell you that WU customer service is useless. 
I talked to a manager. 
I told him that XXXX had a {$300.00} limit and the lady at XXXX claimed her machine was broken. 
I said what do I do to cash my money transfer? 
he replied ; you either have to wait until " her machine '' is fixed or file a complaint at the bottom of the WU website. 
that is all he had to say ... 
unbelievable ... 
sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information corrected I have mailed several disputes and there hasn't been any changes
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY XXXX XXXX XXXXXXXX ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

I purchased my truck in XXXX of XXXX. My finance was offered through VEROS Credit out of Southern California. They offer online payment service for the loan but the online service servicing company changed processing platforms. The platform does not recognize all debit cards or bank cards. The company knows that the system doesn't work. I have submitted over 5 written complaints to the company regarding the inability to pay my bill on time due to their technology malfunction. I have now had a negative report on my credit for numerous payments VEROS considered late. I was told to get cash and pay my bill at a XXXX XXXX with the added service charge from the store. I have also been told to go to a XXXX pharmacy to make the payment or even get certified funds and mail it to VEROS. The distance from my home to any of the aforementioned businesses is XXXX miles and I shouldn't have to pay the added fees nor travel when my contract stated I could make payments online. They call on average 9 to 12 times daily and are rude and menacing. Threats of repossession are made and am told that they can take my vehicle at any time for any reason. I have attempted to contact VEROS management to no avail. The customer complaints department hasn't returned my calls, letters nor emails regarding this issue. The collectors that call tell me they are only involved with " getting the money '' that the rest " isn't their concern. '' I have asked for calls to stop as far back as XXXX of XXXX and the calls continue to this day. I have already received 3 calls as of XXXX am on XX/XX/XXXX after letting them know again last week to cease. I have recorded over 25 calls since I asked last week to have the calls both at work and home stop. These people are relentless and nasty when you answer calls. Their negligent practice has negatively impacted my credit and has cause severe mental duress. The abusive use of their autodialer makes answering the phone stressful.
Product: Credit card or prepaid card

Oliphant Collection Agency placed a collection account on my credit that was opened through XXXX XXXX. I have tried repeatedly to get in contact with someone to get the issue resolved. I was able to finally reach someone at XXXX XXXX and they confirmed that the social security number and birth date was incorrect but transferred me to different departments that kept transferring me to different departments. I have my social security card and drivers license to prove that these accounts does not belong to me. What's strange is that the collection agency placed it on my credit not XXXX XXXX. I tried calling Oliphant Collection Agency repeatedly and no one answered.
Product: Debt collection

This student loan was signed for in XXXX originally with Bank XXXX XXXX. To my understanding, the funds were sent directly to the university. Bank XXXX XXXX never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from student loan solutions LLC that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.
Product: Debt collection

Penn corporation was notice on my credit file recently saying that they bought the debt in XXXX but I advised them that I previously paid it with the last debt collector.they stated thats not true and I owe.my previous credit report should reflect this information.I am currently looking through my belongings because I have moved and a lot of my things are still packed up.I have retained a lawyer and I was advised to contact this agency first