23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IRC Services have contacted my elderly parents in regards to me many times by telephone. This is a violation and we would like for this communication to stop asap. We both have communicated this with them. 
They are harassing my sick elderly parents by constantly calling their home and cell phones. I am a grown adult and my parents called me in a panic thinking I was in legal trouble stating that I needed to call this number asap ( XXXX ). They stated to my parents that they were a legal firm in my county and wanted to speak about a pending case. When my dad began asking questions the representative was very rude unprofessional and hung up in his face. So I called back. 
When I called I spoke to a different representative with the same result. She hung up right in my face. With a nasty attitude I was told that there was a pending case against me in district court and she wanted to clear it up. Then she stated somethings about an old cash advance. I said first things first, you are clearly a collection agency and you need to stop harassing me and my parents. She then stated that I should be happy because that was just a courtesy call because I am about to get sued. No mam you all are about to get sued!!! I know my rights and the law and I hope these calls are recorded for MY proof. She stated that they sent letters to my home address and I didn't respond so that is why they contacted my dad even calling his personal cell phone. She knew my email address along with my home address so I'm confused as to why they kept contacting my parents phones stresessing them out. These tactics they are trying to use are unaccepable and I hope something is done about this. See you in court IRC!!!!!
Product: Mortgage

XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held. 

My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}. 

This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question. 

It has been seven months with no resolution.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you
Product: Student loan

I had my former Employer submit a XXXX XXXX XXXX cancellation request to ECSI. XXXX XXXX XXXX XXXX and received notice that I had not repay This loan after XXXX yrs. I have received numerous harassment notifications from this Company but have not gotten in writing any information at all. I repaid all of my loans to University and somehow this fell through the cracks. Please assist because I am being forced to repay under duress. Thank you
Product: Credit reporting or other personal consumer reports

The three credit bureaus have been asked to investigate the hard inquiries, since I do not recognize them or they are not mine, but they have chosen to send me notifications of the case being closed and have not resolved the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, or implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting or other personal consumer reports

I did not mean to dispute my XXXX XXXX XXXX card since that is current and that is my account. I was moving too fast when I was going through my hard inquiries. I did not know that that was one of them. Please disregard since this account is mines and I have been paying on it on time. My last payment date was XX/XX/year>. Please do not dispute. Please leave open! Thanks But I do not recognize that XXXX XXXX  account, which is a revolving account for {$1000.00} And I do not recognize XXXX XXXX XXXX XXXX for {$2400.00}. The address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove that off my address as well since I have no knowledge of that or these credit card charges are fraudulently and not authorize. Thanks.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, M ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXXXX/XX/2023. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I 've been a Chase bank customer for over 15 years, I 'm a XXXX  XXXX year old man and any small amount i lose is considered a very big deal. On the XXXX of XXXX 2017 XXXX XXXX i woke up to a message from Chase notifying me that there has been a withdrawal of {$200.00} even though there were 3 consecutive withdrawals of {$800.00} before that. I opened my account to see the activity, turns out there there was a check deposited first before the withdrawals and then it was withdrawn right away before the consecutive withdrawals. I called the bank immediately to notify them it was n't me that did these transactions and they asked me to fill out a form so that they can start the investigation.They then sent me an email saying that according to their investigation, it was an authorized withdrawal and that done by my card with a chip and used my pin. At that time I was sleeping and my card, the only card i have was in my wallet. They could 've easily realized that in the past 15 years banking with chase, i never withdrew an amount this big, used my card or deposited a check at that time, or used that specific bank. Also the signature at the back of the check that was deposited does n't mach any of my previous signatures. So i made a police report and gave chase my complaint number, but again they were very careless and did n't help in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has verified that the late payments on a closed credit card were indeed fraud. They sent me the credit card statement reversing the charges. The credit report companies have ruined my credit score and have not changed it back to the original which I believe was XXXX. This is severely hurting my credit and its due to their incompetence. Ive been dealing with XXXX since XXXX. Fix this. NOW.
Product: Credit reporting or other personal consumer reports

On XX/XX/27, I opened a myEquifax account with my ITIN number in order to access my credit report. Everything went okay and I was able to see my credit score + report on a monthly basis. 

The problem comes up when on XX/XX/27 I send a dispute on my profile information in order to get my ITIN number updated and replaced with my SSN that I recently got from the Social Security Administration. After almost a month, the response that I receive is that " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' How come can my SOCIAL SECURITY NUMBER that has been issued by the SOCIAL SECURITY ADMINISTRATION be as per them a " Worker ID Number Only '' what is this nonsense?. Now, just because my SSN has restrictions due to my immigration status does that means that I will be denied access to MY OWN credit report? I don't think that is any fair, and just like me there's plenty of individuals in the same situation that should be fixed and addresses by EQUIFAX, there's no excuses to say that my SSN is not valid as I can perfectly see my credit score and credit report with the other credit bureaus, I didn't have any problem updating my SSN on my bank account nor on my credit union.
Product: Credit reporting or other personal consumer reports

Im a XXXX XXXX  that was scammed out of title to my home by company under many civil lawsuits the company is also under the XXXX  of Senator XXXX XXXX and other attorneys generals for fraud I would love if could also get my correspondence to Senator XXXX the company is called Easyknocks llc please look them up they changed their name to XXXX XXXX XXXX  basically because of all the litigation they are facing I thanks for your help with matter
Product: Credit card

As of my XXXX/XXXX/XXXX Chase Visa statement, my only balance was {$6900.00} which was entirely related to a 0 % APR balance transfer I had processed thru my Chase Visa account in XXXX. This balance transfer includes a 0 % APR that does n't expire until XXXX/XXXX/XXXX. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I added {$3800.00} in new purchases to my Chase Visa card. Since I knew I would incur finance charges ( at my regular 10.24 % APR rate ) immediately after these NEW purchases were posted, I paid off these new purchases a week later by paying {$75.00} on XXXX and {$3700.00} on XXXX ( Total= {$3800.00} ). Rather than applying my payments to the higher interest rate balance, Chase applied most of my payment to the 0 % APR balance. I wrote a complaint to Chase Visa, but got back a messy canned response that repeated several sentences ( obviously a bad copy and paste job ) that claimed that all postings to my account were done correctly. Should n't Chase have applied my payments to the higher APR such as is mandated by the CARD Act of XXXX?
Product: Mortgage

In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. 
So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( XXXX, XXXX and XXXX XXXX ) accounts, 2 ( XXXX and XXXX XXXX ) have been removed and 1 ( XXXX ) remained. The account was opened in XXXX for a XXXX credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.
Product: Debt collection

The product was returned and closed owing nothing more three days after buying products and services I personally returned product and was told that it was complete by store clerk that collected it.
Product: Credit reporting or other personal consumer reports

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  has violated my rights. 

I looked at my XXXX & Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a film through Google TV. It did not load into my library and we could not watch it. I called Google support and spoke with a gentleman who advised me to purchase the full again through XXXX and he would refund me through Google TV. I did as I was advised and I never received the refund for the original purchase. I've had multiple contacts in the last month trying to resolve the issue and today I was notified that they will not refund me.