23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On X/XX/17 I received a phone call from a man, who said his name was XXXX. He demanded that I provide my personally identifying information to him but refused to tell what the call was in regards to. I advised him that I would not provide that information to a stranger on the phone. He said that he was calling me from Clark County Collection Services but continued to refuse to tell me what the matter was in regards. I told him that he was required to send me something in writing. He claimed that he did something and I told him that I never received it and that he needs to send it again. He refused and continued to try and ask for my information. He then proceeded to tell me to come to his office in person while still refusing to provide anything writing. I told him I was not going to his office and I wanted something in writing. He hung up on me. I sent the company an email and let them know that I was filing this complaint.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an 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 in regulation E these actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations. 

CashApp username : mothent
Product: Bank account or service

I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.
Product: Mortgage

I have a question on the other fee {$40.00} below from my mortgage statement for XXXX XXXX and they are saying the charge coming from lender department or underwriter contacting and expediting the payoff request document on XX/XX/XXXX and XX/XX/XXXX twice. But my loan application is never expedited and still in process. Please reimburse {$40.00} to me since the mortgage company can not waive it.
Product: Credit card

I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.
Product: Checking or savings account

Starting back in XXXX of last year I started noticing that there were transactions with my card that I did not do so I proceeded to check my wallet and that's when I noticed that it was an old card in my wallet and not my current one someone had changed out cards. When I tried to log into my online account again I was not able to someone had gotten into my account and changed my password and security questions. Since then it has been an ongoing thing from month to month that someone has taken funds out of my account without my approval. i have tried replacing my card several times being charged to expedite it every time to no avail. When I contacted XXXX XXXX about it to report the identity theft they said they would investigate it but always dropped the investigation on grounds that they said it was conflicting issues. They did reimburse me a few times where in return those funds were taken out of my account via IVR Transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/2022 to Transunion Consumer Solutions, XXXX and XXXX XXXX XXXX XXXX asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.
Product: Credit card

In XX/XX/year>, I had 3 credit card accounts hacked, including my account w/Prosper. I notified the company at that time regarding the unauthorized & fraudulent transactions. Since XX/XX/year>, I have written Prosper 5 letters & have made 7 phone calls regarding this issue. Again, I have requested to speak with a company representative in XXXX TX and have been denied this request numerous times. I want my balance cleared to zero & credit record to reflect no damage. The other 2 credit card companies have acknowledged the fraud and corrected my credit & corresponding rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion and XXXX in regards to the unauthorized inquiries on my account. In the last month i have accumulated 64 hard inquiries on my transunion and 34 on my XXXX, someone is trying to get credit in my name and they are running it multiples of times and I am not happy about it at all.It is looking like im begging for credit and is looking BAD on my credit. I have a cash car, no need for me to be searching for credit. My car is a XXXX and very reliable, they even tried to get credit from my job which i can NOT do. 
Transunion has allowed the following to run my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As for XXXX  they allowed the following to run my credit without my permission : XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3x XXXX XXXX XXXX XXXX XXXX XXXX 3X XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX 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: Mortgage

While closing mortgage, Specialized loan servicing LLC deducted extra future months interest and refused to return the excess interest. 
Payoff quote from Specialized loan servicing LLC on XXXX/XXXX/16 stated the total amount due was {$390000.00} which includes interest up to XXXX/XXXX/16. 
When XXXX XXXX XXXX XXXX tried to payoff the loan, the title company wired the amount of {$390000.00} which include the interest up to XXXX/XXXX/16. Specialized loan servicing LLC did not process the payment as payoff, instead deducted three months of interest and treated the rest amount as additional principal. The XXXX deducted interest amounts on XXXX/XXXX/16 are : {$1200.00} for XXXX, {$1200.00} for XXXX and {$1200.00} for XXXX. And the loan status changed with the principal balance remaining as {$5200.00} along with the escrow balance of {$3600.00} as of XXXX/XXXX/16. 
As suggested by title company, we went ahead to payoff using the new payoff quote as of XXXX/XXXX/16 which is amount of {$1600.00}. We wired the amount of {$1600.00} to the specialized loan servicing and the loan is closed on XXXX/XXXX/16. 
We expected to receive the excess interest payment refund of XXXX for XXXX plus the interest difference after XXXX/XXXX/16 however we received only {$61.00} for the interest refund. 
The amount of {$1500.00} should be refunded as the excess interest paid for non existing loan amount. 
Our calculation for remaining excess interest taken from title company 's payment on XXXX/XXXX/16 : ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$41.00} ( From payoff quote ) daily per diem interest amount as of XXXX/XXXX/16 : {$0.00} Excess interest for XXXX ( $ XXXX {$0.00} ) XXXX {$360.00} Excess interest for XXXX : {$1200.00} Refund from payoff : {$61.00} Remaining excess interest to be refunded : {$1500.00} ( $ XXXX $ XXXX {$61.00} ) Specialized loan servicing also refunded XXXX XXXX property tax payment amount of {$4800.00} which was deducted from the escrow account on XXXX/XXXX/16 however the tax payment did not reach to XXXX XXXX XXXX before the title company 's payment which was made on XXXX/XXXX/16. We have contacted XXXX XXXX and the only XXXX XXXX received was from First American title company and there is no evidence of Specialized loan servicing 's payment. 
Specialized loan servicing is stating that the refund check of {$4800.00} also includes the excess interest refund however it is not true. The interest refund is still in short of {$1500.00}. We would like to request a refund check of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well 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. Im doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : Personify # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  GA XXXX reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 15 USC 1681 Section 602 A. States I have the right to privacy - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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: Student loan

My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX XXXX XXXX XXXX by 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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: Credit reporting or other personal consumer reports

Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Equifax Non-Compliance with FCRA in Handling My Credit Report Disputes Complaint : I am writing to file a formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). Details : Failure to Investigate Disputes : On XX/XX/year> I submitted a formal dispute to Equifax regarding inaccuracies in my credit report. Despite providing all necessary documentation, Equifax failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax did not provide this description within the 15-day timeframe mandated by the FCRA. Disputed Accounts on my consumer report : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

I was informed that in order to close my account I must have a {$0.00} balance. On XX/XX/XXXX, I transferred out my account balance of {$5100.00} as the first step in closing my account. Immediately after my account balance was brought to {$0.00} I was charged a {$25.00} " Service charge '' on the account due to having a {$0.00} balance. I received notice that the fund transfer was completed on XX/XX/XXXX and immediately contacted PNC Bank via secure message requesting to close the account. I was informed that it was now not possible to close the account that there was negative balance on the account as a result of being charge the " Service Charge '' by PNC. 

On XX/XX/XXXX, I again requested PNC to refund the service charge as it was documented that the XXXX balance was a result of taking the steps to close the account but I was never given the opportunity to close the account for the instant the account had a {$0.00} balance the service charge was applied to my account making it impossible for myself or any consumer to close an account without being charged a {$25.00} fee for having a {$0.00} balance. This is predatory trap by PNC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATIONXXXX 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, 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: Credit reporting, credit repair services, or other personal consumer reports

I believe I complained about XXXX, XXXX & Experian but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a ze

ro balance. I saw a document on one of the bureaus that stated I have a zero balance with them but yet that same bureau shows I owe XXXX XXXX  over {$58000.00}.

I will enclose my letter from Idaho Housing that states I owe 0.
Product: Credit card

OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.