23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Financial phishing!!! Was getting XXXX hang-up calls a day from XXXX, for several weeks, finally did a dial back and it was this company Opportunity Loans. Told them I was on the No Call List and wanted no further calls. Was told they were calling about my loan application and would need last XXXX of my SSN to pull ; advised I did n't have an application so my SSN would do them no good. Advised they could use my phone number to remove from their call list and any further representation that I had a loan application was fraudulent. Since that XXXX conversation I have received XXXX more hang up calls. I also received XXXX messages left from the same company on a toll free # XXXX, ignored the XXXX thinking it in error, the XXXX came in on XXXX, my conversation with the rep XXXX went much the same as my original conversation, with them insisting they needed SSN info to stop calls ; thus far I have not received further calls from this number- yet. I believe this particularly egregious phishing may have been triggered by my recent HARP process with my bank as I 've gotten a number of mail offers since then, but these folks just wo n't stop even after I told them I was a XXXX ( in credit & collections, no less ) and I worry that given the list the calls are apparently are being generated from they may take XXXX of someone who is at their most vernarable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures : - Identity Theft Report - Proof of Identity - Fair Credit Reporting Act Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed
Product: Debt collection

I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : XXXX Acct # XXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681sXXXX responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information. 
XXXX. Prohibition a ) reporting information with actual knowledge of errors. 

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the payment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to go pay my taxes on XX/XX/XXXX and was given a notice that my account has been suspended. When I called Chime on XX/XX/XXXX to figure out what's going on and they said they can't give me any information because the underlying bank was the one doing the freezing. I pressed them for over 30 minutes and was able to learn my account had been frozen for a few days ( they did not inform me ) and that if I wanted to do something about it, I could try to email their support and hope for an answer within a few business days. I pressed them even more and was able to learn that the source of the issue was deposits from XXXX and XXXX, both accounts that I have had for years. 

I sent a few emails to chime support after the call with all my XXXX and XXXX statements in a panic but did not get a response to the email with the attachment. 

I called that bank ( stride ) on the morning of XX/XX/XXXX and they said that's completely false information and I should call chime. I pressed them but they continued to apologize and say they really can't do anything and they have no access to the account and all I can do is try to resolve the issue with chime, repeating over and over again that chime had lied about everything. 

I called Chime again but just hung up out of frustration. Meanwhile they sent me a very questionable email with the following paragraph Written explanation necessary to validate the source of funds loaded to account regarding : ch recd c2c transfers and then offloaded the funds thru XXXX and XXXX.u may have received Desperate, I still sent them over all my personal information, but not so much as a confirmation email. 

I have no idea what to do. I'm self employed and have taxes due, not to mention XXXX XXXX rent and now to make everything worse, I'm terrified that they're going to use my personal information against me.
Product: Vehicle loan or lease

I have a loan with BMW financial my payments are automatically taken from my XXXX XXXX checking account each month. I had this load almost 2 years now. I don't know the reason why and BMW financial  never told me the reason why the payment of {$1100.00} for XXXX XXXX XXXX was taken from my bank account twice causing XXXX XXXX XXXX to charge me overdraft fees and put other wrongful limits on my checking account. I call them and let them know that and they stop the reaccuring draft because it tried to get withdrawn several times. But XXXX XXXX XXXX still did not take out those overdrafts they just refunded a portion of the fees and I just have to live with those over drafts on my checking account.
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 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

My account was closed on XX/XX/24 out of no where I got an email and text message to call Chase before my account close I called them they stated that my account is restricted I called and ask why no answer at all I ask could I go into the branch to get some type of funds due to me having a XXXX and I didnt have no money on me at all and whats in my account is all I have they stated they was sorry and I can try to go to the bank and talk to a bank manager long story short I went to the bank and the bank wasnt no help at all I dont understand how can a bank just up and close your account and cant even give u a reason I am still without funds for me and my child
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app fails to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, Cash App ( Block , inc ) dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

The fraudulent company posed as a student loan forgiveness program by the name of Guidance Alum. They had all of my current loan information and told me if I signed with them, and paid {$200.00} for 5 months, my loans would then me on a path to forgiveness. 

I attempted to contact them recently in XXXX for updated account information, only to find out the phone number has been disconnected and the website has been deleted. 

XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum
Product: Debt collection

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Product: Debt collection

I began recieving calls from a company claiming to be a debt collection agency. They claimed that I had an unpaid medical bill from a hospital that I had been to, but I had never received any such bill or communication from the hospital itself and thought I had already paid all of the bills incurred during my visit. Further, the debt collection agency said they had sent written letters/bills to me, but they did not have my correct address. When I provided my correct address I began receiving bills but never received evidence of the original hospital bill or what the charge was for. Further, the letters were not printed on letterhead, were never in the same format, listed different amounts due within the same bill, and the only payment option listed was to mail in a check. They then called me again asking me to pay, and only then gave an online payment option, which had no login information, account information, or way to confirm the amount owed, and I was expected to just enter an amount to pay without any security or confirmation that this information was correct. They have continued to call me regularly to collect the debt, which at this point I don't even think is real.
Product: Mortgage

On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.
Product: Credit card

I have had a Kohls regular credit card for many years. A few months ago, I received a letter that the card would be replaced with a CapitalOne visa card starting today, XX/XX/year>. 

Back in XXXX I called to let Kohls know I didn't want a Visa card from Capital One. They told me to call Capital One which I did and someone I spoke to said if I didn't want it they would make a note and not send me one. I also closed my regular Kohls credit card which had no balance to make sure that I wouldn't receive one from Capital One. Well, guess what the new Visa arrived in the mail last week. 

I have not registered the card and have absolutely no plans of ever using it. Not sure what to do now -- if I don't use it -- do I need to call them to cancel this new card, or just cut it up. I have read some people have said it will effect my credit score either way. This is absolutely not right -- I never applied for this card or gave my permission for them to send it to me.
Product: Debt collection

I asked XXXXAlorica Inc not to contact me or my wife ( co-signor ) by phone. They received mail from me disputing the alleged debt and failed to validate according to 15 USC 1692g. They called my phone and I missed the call, as I was working. They called my wife and stated I told them not to call me but left out I said do not contact us by phone. She then told them to only speak to me regarding the account. The responded to my initial dispute and then failed to respond to my rebuttal. They then spoke to a 3rd party I gave no consent to have my information and told them to call me. The agent spoke about the company moving into repossession stages and further discussed me paying XXXXAlorica Inc XXXX I informed her of XXXXAlorica Inc failing to respond to the rebuttal and that they were in default. I then stated that her calling still counts as a violation and also identity theft as I did not give permission for her company to have my information. On XXXX XX/XX/2022, an agent XXXX XXXX contacted me by phone to discuss the account. It was an inconvenient time as I was filing a document in court. I asked his permission to call him back. XXXX XX/XX/2022 I spoke to XXXX. I brought him up to speed on the account and he asked for copies of the affidavits furnished to XXXXAlorica Inc . I have proof of XXXX XXXX cyberstalking one of my social media accounts. XXXX XX/XX/2022 I sent the copies to XXXX and informed him if any further injury was caused to me or my wifes consumer reports, that communication would serve as a notice of intent. I can forward whomever gets this complaint copies of everything as well as provide certified mail tracking numbers. Thank you for your diligence. The account is for a XXXX home my family currently domiciles in.
Product: Checking or savings account

Earlier this month ( XXXX ) I had to dispute XXXX transactions. Was told canceling the card was the only way so i did that. got the new card and less than a week later XXXX NEW XXXX transactions occured. I do not own an XXXX nor have an XXXX  account. The bank took it upon themselves to file the dispute. cancel my NEW card and reissue another NEW card. Now I have to wait. Can not pay my phone bill ( lack of funds ) nor buy gas and groceries until payday. after i told them NOT to cancel my card. They took it upon themselves to do this AGAINST my wishes. I will do more research on this but it is clearly a violation of something out there. Going through my statements there is a XXXX time charge over a month PRIOR to thse fradulant charges from XXXX. this is nervewracking and is very much theft. and they are complacent in this act of theft amongst numerous other things.
Product: Vehicle loan or lease

I paid this account off via settlement with two payments on XX/XX/XXXX and XX/XX/XXXX to Credit Acceptance 's third party collector XXXX XXXX XXXX XXXX. This company has since forwarded the payments over to Credit Acceptance last month. As of today, XX/XX/XXXX I still have not received a {$0.00} balance letter from Credit Acceptance. I have called and placed verbal authorized twice now for the three credit bureaus to call and verify the balance. XXXX calls and gets a {$0.00} balance. XXXX  calls and speaks to a XXXX and gets a no the balance isn't updated and the file is with their legal team. XXXX speaks to a XXXX and she says no authorization has been placed. Again I've placed specific authorization with specific names from each bureau that will be calling TWICE. I want my {$0.00} balance/ settled letter as this was a ton of money I paid out to settle this account. I am being told that home new home closing set for XX/XX/XXXX will now be delayed due to this and that I may have to switch to another home! Again I paid this out on XX/XX/XXXX & XX/XX/XXXX. This is ample enough time for me to get an updated letter from Credit Acceptance.
Product: Debt collection

This company called Portfolio Recovery keeps on calling my business at all times of day and week using different phone numbers from different states and I have  never had a business credit card some of the dates and times are XXXX-18 at XXXX XXXX from California number XXXX XXXX-18 T XXXX XXXX from new jersey number XXXX they also have called from Georgia, new York, texas, and some other states and I have asked them to stop calling my business and they have also called as late as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

The information reported on my consumer report is not accurate, complete, true, and accurate. Reporting such information is misleading and a direct violation of the Fair Credit Reporting Act.
Product: Mortgage

On the afternoon of XX/XX/XXXX my mortgage lender and title company, while preparing documents for converting my new home construction loan into a permanent mortgage, informed me that on XX/XX/2018 my neighbor had taken out a {$200000.00} home equity loan on my property which I bought a year prior to this fraud occurring. Somehow his title company included my 1.123 acres as collateral on his loan without my knowledge, consent, or signature. I only discovered this had occurred because I was set to close on my new construction home in less than a week when my title company discovered the lean. This illegal lean on my property is essentially a theft of my land and house. If my neighbors title company can not correct the mistake before Monday the XX/XX/XXXX I will lose my locked in interest rate thus costing me thousands of dollars in higher interest costs, and if the problem is not corrected before mid-XX/XX/XXXX, my construction loan matures and I will potentially be foreclosed on by my construction lender. I contacted my neighbors lender, and they would not speak to me. On XX/XX/2018, I contacted the law-firm who reviewed the loan and they advised they could not provide me the name of the title company that my neighbor used as it would violate privacy laws. He did give me a name and contact number for an individual at my neighbors lender and advised me I needed to have my neighbor call him, as they would not speak with me since I have no account with this company. The lender contact did not answer when my neighbor and I called him. My neighbor then contacted his title company who promptly picked up the phone and advised they were aware of the problem and working on it. As of XX/XX/2018, I still have not heard or received anything from anybody regarding this fraud despite the title company stating I would have correcting documents before XXXX XXXX   Central Standard time on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The credit report reported is inaccurate because I sold my vehicle to a dealership on XX/XX/year>, which was dated before my next car payment was due. The dealership, XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, took full responsibility for paying off the car completely the moment I signed over the vehicle. If you look at my account, you can see that a complete payoff of {$35000.00} was made on the car I was financing from XXXX XXXX. It saddens me that my credit score I worked so hard to build up into the 700s was dropped by more than 50 points because of a negative delinquent account that was wrongfully reported. On record, it is shown that I contacted XXXX XXXX XXXX, and on two separate occasions, I made them aware that I sold the car, and it was noted on my account that a full payoff was going to be made by the dealership. It was noted on my account, and yet I still got panelized. After being given multiple apologies, I was advised to write a letter and dispute the report. I wrote the letter to XXXX XXXX and got no response and I was also denied understanding by TransUnion. I am a XXXX-year-old XXXX woman ; I have struggled but yet managed to make all of my car payments on time to protect my credit score and I am begging for some understanding in this situation. I have attached proof from the dealership that I sold the vehicle prior to my car note being due for reference. I need someone to please look into this situation properly, I have all documentations to support my claim and I can provide them. 

I request that the above-referenced report be corrected so as to remove the past-due delinquent account on my credit report, and to further reflect that the debt of the vehicle was paid off in full.