23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a text @ XXXX XXXX  Asking if this is XXXX XXXX phone I responded back asking who is this So I called back it was a collection agency demanding that I pay {$600.00} for a credit card I have never owned dating back to XXXX the guy wouldnt give me a chance to speak he asked me what credit card I want to use to pay the {$600.00} after explaining I do not owe anything because I never owned the card Indigo credit card, He said he was going to put it into my credit report and hung up on me 10 minutes later I received a call from my brother saying that someone text his Phone asking if was XXXX XXXX phone So somehow someway they hacked my phone to see the last number I was communicating with I am also filing a complaint with the attorney general of New York
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, XXXX, and TransUnion refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, XXXX, and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Product: Credit reporting or other personal consumer reports

This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

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
Product: Checking or savings account

Linked account to XXXX, XXXX attempted to top up, which was declined due to NSF. Then I was charged NSF Fees on three attempts by XXXX. Contacted bank and I was told to pay or it would be deductued automatically. Shortly after account was closed due to the negative {$90.00}.
Product: Credit card or prepaid card

XX/XX/2019 The end of last month, XX/XX/2019, I came across a fraudulent hard check from XXXX XXXX via my online XXXX account that had posted XX/XX/XXXX, year prior. By the beginning of this month, I went to secure an American Express line of credit to satisfy an alternate agenda of compliance and " good faith '' measures for XXXX County Courts of Oregon. : a budget of dollars to purchase on credit while XXXX  XXXX assistance comes to fruition, presumed now in short order, but still waiting final judgement. 

Actively in pursuit, I wrote and sent via USPS to the Media Department of XXXX XXXX XXXX, UT, as directed by American Express 's New Accounts Division, XX/XX/19 with XXXX, my notes up through and including a Police Incident Report I had just filed, days prior. It was then, that I acted in " good faith '' mailing my notes and removed hard inquiry per XXXX. 

That very same day, the unmanaged underwriting team c/o American Express filed the first of three denial letters, failing to even wait for the " good faith '' documents to arrive via post and upload. That initial XX/XX/2019 letter picked up ( in tandem with the XX/XX/XXXX letter ) from XXXX Post Office, has literature pertinent to my next course of expedited lateral action. 

I went to Dept. of Social Services, XXXX website, downloaded their proprietary cover letter, put together a disputed response to fax directly against noted XX/XX/2019 letter of premature and discriminatory action ( s ) against me : a long-time costumer ( since the mid-XXXX to current ). 

My " good faith '' due to fraud stretched further in the 26-page facsimile to American Express, detailing protocols of student loans discharging post XXXX XXXX determination, and as a recipient of XXXX SNAP beneficiary, increasing my income from $ XXXX/mo upward to $ XXXX/ mo. Also worth highlighting : my XXXX FICO score went from XXXX against XX/XX/19 letter to XXXX XXXX   soft report reflecting up to XXXX. I followed-up that following Monday, XX/XX/19, for a re-submission -- a lateral last, prior escalating my complaint to this level of  governance. XX/XX/2019 denial letter expected in the mail within days, per today 's follow-up conversation, and due to enclose herein as well. 


Meanwhile, I proceeded to order a free XXXX report via USPS once the documents failed to load via their website. I anticipate returning more reconciliation due to fraudulent activity already presented me. 

In closing, I not only acted as Consumer Protection Act and Social Security  and XXXX binds me to in " good faith, '' but I also went to great lengths to prevent subsequent discrimination upon me from American Express. 

I entrust justice prevails here and henceforth, as I am a very concerned citizen regarding goings-on of Globalized mercantilism, indeed, between myself and situational trends with American Express as of late ; I anticipate resolve in my favor and on my behalf. 

Sincerest regards, XXXX XXXX XXXX XXXX XXXX XXXXn XXXX NOTE : SCANNED 39-PAGE ATTACHMENT FILE TOO LARGE TO UPLOAD
Product: Credit reporting, credit repair services, or other personal consumer reports

I request copy of Complaint # XXXX. XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permission to access and supply my credit report on XXXX. I have asked for a copy of permission so I may defend myself because I did not give any permission. Experian passes the buck to XXXX  who has sent a copy of an incomplete and undated application that even states it was processed. I continue to complain but XXXX  list complaints as duplicate since they claim to already have processed and answered on Complaint # XXXX. Two problems ; I do not have XXXX  response on Complaint # XXXX and I have yet to receive copy of valid permissible permission allowing XXXX  to process permissible permission and access my credit report.
Product: Credit reporting or other personal consumer reports

Several things to address in this complaint. 

1. I sent a certified letter to Equifax- on XX/XX/2024 noting several violations of the Fair Credit Reporting Act ( FCRA ). 

2. XXXX knows and has notified me that my information was leaked on the Dark Web and I've advised them I'm a identity theft fraud victim. I also enclosed the dark web leak in the attachments I am also a victim of the Equifax data leak. I've included attachments showing both are true. 

3. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4. Also in their response they stated " We were unable to locate a credit file in our database with the identifcation information you provided, in order to further assist you, we will need additional documents to verify your identification. '' However they not only located my credit profile but on XX/XX/2024 my dispute was submitted prior to them sending me a letter on XX/XX/2024 stating they couldn't locate my file and then completed the dispute without me sending them any supportng information at all. I didn't send them any supporting documentation until XX/XX/2024. Ive included the attachments for reference. 

1. 15 USC 1681 Section 602A 2. 15 USC 1681 Section 604 A section 2 3. 15 USC 1681c ( a ) ( 5 ) 4. 15 USC 1681s-2 ( a ) ( 1 ) 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 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
Product: Checking or savings account

Can not receive recurring line of credit after paying off line of credit borrowed
Product: Payday loan, title loan, or personal loan

In XXXX of 2019, I received a computerized voice mail to contact TD Auto Finance asap. I made the call since I had a prior automobile loan for which I co-signed for my son. Both my son and I thought the loan had been paid in full, as TD Auto Finance stopped taking their automatic deductions from my son 's bank account. When I called TD 's customer service department, I learned that they had not withdrawn the final payment, as it was a few pennies more than the payments they had been withdrawing. Apparently they do not auto debit the final payment as a result, but had failed to notify us with their 30 days ' prior notice letter. I received a notice from another creditor alerting me of a change on my credit score. When I looked at the alert, I discovered that TD Auto Finance had marked my and my son with 30, 60, 90 and 120 days late payments. 

Once TD recognized their internal error, they agreed to notify the credit bureau of the mistake. I waited 30 days but saw no change on my credit report. I contacted XXXX XXXX to dispute the late payments. I have since been advised by XXXX XXXX, that TD Auto Finance did not agree with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
FM XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX  XXXX XXXX Account XXXX 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 a account without my written instructions.
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 Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The companies involved are the XXXX credit bureaus : XXXX, XXXX, and TransUnion. On XX/XX/year>, I sent a letter to these three credit bureaus requesting the removal of incorrect information from my credit report. This was after I opened a dispute for them to verify all the information. The incorrect information is in the public records section of my report. Prior to this, when I initiated the dispute, I also sent a letter to the court requesting verification of the information, and they informed me that they had not provided that information because they do not report to the credit bureaus.

Upon receiving the letter from the court, I demanded that the credit bureaus remove the incorrect information they had claimed to have verified, and to this day I have not received any response. I will share the letters I sent. The letter demanding the removal of false information from my credit report was accompanied by a copy of the court 's response. Of these, XXXX never sent me any response in writing, but they did open a dispute because I received a digital notification. I never received any responses, and nothing changed. XXXX also did not change anything but did open a dispute. TransUnion responded on XX/XX/XXXX, stating that they had investigated and no changes were needed, which is false according to the court 's letter.
Product: Mortgage

DITECH is offering a misleading refinance proposal. They are offering to convert the 18 years and 11 months left on my current mortgage to a 30 year fixed at a slightly higher interest rate. They claim {$19000.00} in savings over 10 years but will actually increase total costs by {$66000.00}. I believe they are hoping consumers wo n't actually do the math!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to open a bank account which is essential to my financial health. I was able to unfreeze easily with XXXX and XXXX. However, with Equifax, I am unable to unfreeze my account despite calling and using the website. I will need help from Equifax to avoid incurring personal financial damage due to Equifax 's mistake.
Product: Checking or savings account

Attached is a copy of the letter I sent to XXXX be XXXX XXXX of the board : XXXX XXXX XXXX PenFed Credit Union XXXX, Board of Directors My name is XXXX  and I have been a member of the PenFed credit union for the last five years maybe a little longer. Ive been very happy with my account and the services you provide until this last month. For reasons that have not been explain to me my account was blocked and from what I understand the account numbers was changed and money was taken out and transferred and more money was put into my savings account and then taken out. I have repeatedly ask for the amount of money that is in the account, to be able to look at the transfers and whats going on. Also my credit card I dont know whether somebody is using it not using it because I can not look at the account. I have call repeatedly asking for the amount of money that is the Account, My Social Security check is sent there and I do not know if I got a check or knot. The only info that get I get is that nobody can tell me anything. And I think youll have to agree that this is not a very good way to run a banking system when you can not transfer money in and out of an account, will not tell the customer how much money is in it. They now tell me that they dont know who I am I sent them a copy of my drivers license social Security card and a utility bill and they still say they dont know who I am. This is the reason Im writing a letter to you with the hopes that you can take a look at it and please just let me get out of this organization I dont want anything else to do with PenFed Credit Union XXXX I am a XXXX guy just trying to get by in life and when you hold up my Social Security money and money in my checking account all its doing is making my life miserable. Please help .... XXXX
Product: Credit card or prepaid card

I have contacted PenFed several times due to issues with my account e.g.Complaint ID : XXXX and Complaint ID Number XXXX, FTC # XXXX ... I mailed Pentagon Federal Credit Union, XXXX XXXX XXXX, XXXX, NE XXXX, and called XXXX and emailed XXXX requesting for my account to be dissolved in case of XXXX  XXXX and accounts removed from my report. PenFed did not provide a decision/ response to my request for debt forgiveness due to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : KAY JEWELERS XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Debt collection

This company, Synchrony Bank, continues to call me and send me voicemail messages 3 times a day. I reported them before and they will not STOP.
Product: Payday loan, title loan, or personal loan

I have been trying to get a loan from XXXX XXXX XXXX for my small business as it was dissolved during the Covid 19 Pandemic. I do not qualify for a loan anywhere else because I am a sole proprietor, my business is very small and I've only been operating for 3 years which unfortunately means for me that I have no returns to show. However, this was my only source of income so I revised my business plan made a few adjustments placed my business online and am now seeking a loan in order to get the assistance I need to operate successfully in the online space. I was asked by XXXX to provide a credit report as they weren't able to generate on from their system. This is primarily due to the fact that I only have both ITIN and EIN tax ID numbers that I was issued to operate my business here in the U.S and not a social security as I'm currently undocumented. However, I have been a resident here for 10 years, the problem when I contacted Experian was that I'd never borrowed a loan. The representative further explained, that because of this issue there was no information from which he could generate a credit report. When I explained this via email to XXXX, I received a response stating that my request was denied. I have been a customer with XXXX bank for over 3 years and visited them today to see if they could help as this is where I complete all my transactions- both business and personal. The representative gave me the website XXXX and advised me that this is where they refer all their clients who request credit reports as we are required by law here to get a free credit report at least once per year. When I logged in here they also asked for a social security and I was denied when I entered my ITIN number. My issue is not exactly a complaint, it's a matter of confusion. I don't understand how to get a credit report and I really need to rebuild my company so I can generate an income to provide for myself and teenage daughter. Again, I do not qualify for a loan elsewhere and was extremely happy when I saw that the services provided by XXXX includes business like mine. If I could get some assistance from here I would really be grateful. I'm searching ... lost.
Product: Credit card or prepaid card

I made a purchase on XXXX for {$100.00} on XX/XX/XXXX. There was a hold for this amount placed on my account with Venmo When the part of the items shipped on XX/XX/XXXX a XXXX for {$88.00} was placed on my card. When I spoke with Venmo customer service on XX/XX/XXXX, they stated there was also a charge for {$21.00} for the additional items I purchased. 

I called XXXX Customer service and spoke with their customer service by email on the same date and they stated both charges were clear on their side. They also stated the pending charges would be cleared on their side by XX/XX/XXXX. When I reached out to Venmo, they stated they wouldn't do anything about the charges for XXXX XXXX. 

I reached out to XXXX today, XX/XX/XXXX, and they stated that the charges for all of the items had cleared on their end. 

I reached out to Venmo to release the held funds for {$88.00} back to my Venmo account. They refused and stated they would have to wait the full 30 days to refund the held funds.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PHH Mortgage regarding their handling of my mortgage assistance request. I believe their actions constitute violations of the Real Estate Settlement Procedures Act ( RESPA ).

Summary of Issues : 1. Inadequate Response to Mortgage Assistance Request : - I submitted a complete application ( Borrower Response Package ) to PHH Mortgage after my home was severely damaged due to a disaster. Despite this, PHH denied our claim for mortgage assistance without properly reviewing all the facts or contacting me to discuss the situation.

- I made multiple attempts to communicate with PHH, specifically requesting that the assigned representative, XXXX XXXX, contact me to discuss my hardship. Despite emailing several times and requesting callbacks on XX/XX/XXXX and XX/XX/XXXX, I never received a response. 

2. Inappropriate Alternative Offered : - When I eventually spoke to someone in the loss mitigation department on XX/XX/XXXX, the only assistance offered was a home equity line of credit. I felt this was grossly inappropriate, as it seemed like PHH was more interested in profiting from a loan with a higher interest rate rather than providing genuine assistance to help me stay in my home.

3. Lack of Knowledge and Failure to Review : - The representative I spoke with appeared to lack knowledge about loss mitigation options. When I inquired about a forbearance, the representative was unfamiliar with the term.

- I also requested that PHH review our application with XXXX XXXX, the investor of our mortgage, but this was never done.

4. Misleading and Inaccurate Communication : - On XX/XX/XXXX, I received a letter from PHH stating that they would not issue a lender-placed insurance policy, which I never requested. They never explained what this was or why they were doing it.

The letter also claimed that PHH 's research suggested our insurance claim would be denied, even though it was never submitted to the insurance carrier. It is unclear how they could predict this outcome without submitting the claim.

5. Poor Communication and Reassignment : - Throughout this process, PHH has failed to maintain adequate communication. Despite numerous requests, I have never spoken to my assigned account representative. The only communication I have received from PHH has been generic letters that do not indicate any real evaluation of my situation.

- Furthermore, PHH recently reassigned us to a new representative, who has also failed to reach out or respond to any emails or phone calls.

Request for Action : I respectfully request that the CFPB investigate PHH Mortgage for their handling of my mortgage assistance request and their potential violations of RESPA. I believe their failure to properly review my application, provide appropriate assistance, and maintain communication constitutes a breach of their obligations under RESPA.

Thank you for your attention to this matter.

Sincerely,