23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX called after I got off a graveyard shift. He was trying to collect a debt. I explained I didn't have the money and not sure about making a payment arrangement due to my situation. He said I didn't seem to want to resolve the issue. I tried to probe further. My thoughts were how do you possibly know I don't want to resolve the debt. He said they would take further action, but didn't say exactly what that is and I feel that is a deceptive practice and dishonest. He also hung up, so I never got to ask what he meant by further action. Is it more calls to collect the debt, lawsuit, etc. I have no clue. Maybe he had no interest in resolving the debt with other means. I hope I can file a lawsuit for either harassment or deceptive practice.
Product: Checking or savings account

I wrote a check and put it in the US mail, the check was made out to City of XXXX for {$51.00}, the following day I looked at my banking app and I was negative {$2600.00}, I looked at the transactions and saw the check I wrote for {$51.00} had been altered to {$4000.00} and deposited into another checking account with XXXX  XXXX XXXX. I went to Fifth Third bank in person because no one could help via phone. They closed the account and I opened a new account, they told me that it will take 180 days to get my {$4000.00} money back after they investigate the situation, I said that seems unreasonable since I alerted them within 24 hours of this fraud. This happen on XXXX and Fifth Third has not communicated anything to me as of yet, I keep going into the bank branch and they tell me I have to be patient with the process. I understand that but no communication from the bank in regards to even acknowledging the investigation is even happening. Feel free to reach out directly to me. 
Thank you! 
XXXX XXXX
Product: Credit card or prepaid card

I have been charged so many fees for the cards I have and I was not informed if the fees. I am asking for a refund of the fees and statements for all accounts in my name under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, WELLS FARGO BANK NA DIL  add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit card or prepaid card

I have tried to purchase an online Tv program service via PayPal Credit account on XX/XX/2020 and the amount was {$390.00}. When I processed the payment, the online Tv program service provider`s website gave me an error message and they stated the payment was declined. Then I tried to do the payment with another credit card ( XXXX XXXX ). The process was completed and payment was received from the service provider. However, PayPal credit issued a charge as well. So I was charged twice for the same service. 

When I contacted the service provider, They stated that they were able to locate the payment with XXXX. However, they were not able to locate the PayPal Credit charge. 

I also received a written statement from the TV Service provider that they do not see any payment received from the PayPal Credit.

I have disputed the transaction on the PayPal Credit account 4-5 times and faxed supporting documents ( Statement received from service provider and Credit card statement of XXXX XXXX  to show the same charge for the same date ) each time. Also I talked with their customer service at least 20 times and spent almost 20 hours over the phone to explain the case.

Unfortunately, all disputes were rejected and when I talked with the customer service ( Supervisors and Account managers ) to understand what was wrong with it, I had to explain the case from the beginning and they understood my case. But they told me that they can not do anything other than submit a new dispute and they blamed the PayPal Credit Dispute team and they advised me to submit a new dispute. 

Also, they stated that My supporting documents were not received. I have confirmation that the faxes that I sent were received. I also submitted supporting documents via their Secure message. Also, I mailed hard copy documents as well. But, there is NO WAY to confirm that the documents were received from their end. 


There is no way to communicate with someone who can solve my issue. 

This is the worst customer service that I have seen. It has been almost 10 months and they still reject my disputes without looking at supporting documents and ignoring my requests,. 

If you please help me to solve the issue, I will really appreciate it. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to experian that this account with XXXX XXXX  was cancelled and no balance is due. I submitted a 1099c. Experian updated my account as a charge off and its now reporting as a new charge off for XXXX and XXXX. This debt has been canclled since 2016 and should not still be reporting as a chargeoff. I called experian and the rep advised me that XXXX never advised them the acct was cancelled. I have spoken to XXXX and they confirmed that the account is cancelled and they dont know where experian is gathering the information.
Product: Money transfer, virtual currency, or money service

It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me
Product: Debt collection

In regards to company XXXX XXXX XXXX for unprofessional and emotionally abusive practices : Mountain Land Collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX We would like to report this company for the unprofessional and abusive way that they dealt with us. We felt that the communication was not professional or straightforward enough, and then they behaved in an emotionally abusive manner. 

We received multiple phone calls from the service that were vague claiming they wanted to collect a debt. Over the phone, we were immediately asked sensitive information because they said we had overdue medical bills. We did not feel comfortable giving them our information and as far as we knew it was a phishing scam. Someone randomly calling you and asking where you work and what your social security number and birthday is without knowing who they are is not the best way to tell someone that there is actually a reputable dispute and you are not a scammer. We were not referred to an online account where the charges were listed we were given. There was no email outlining what was wrong. We did not receive letters in red from the company listing the overdue charges with dates. We were not properly informed. Nothing but vague harassing phone calls, but no evidence of what was actually going on. We assumed it was a scam. 

On XX/XX/XXXX, XXXX XXXX a man not in uniform showed up in person to our home from the company to deliver notice that they were filing a lawsuit. We were having dinner with our kids. It was not an official legal summons. They could have delivered it on any day and they could have delivered it through mail. But no, a man showed up at my door on SUNDAY, XXXX 's Day to tell us we were being sued. It upset us very much and ruined our holiday. I personally felt like it was abusive, unnecessary, that they did not communicate well. And the way that they are conducting their business is absolutely terrible. They knew what they were doing and it was completely unnecessary.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I moved to Florida from Massachusetts in XXXX. Sometime in XXXX I couldnt find my card and ordered a new one, it arrived and I activated it ( or so I thought ) then I received a letter that it was blocks due to recent activity. The balsnce is {$0.00} so it wasnt a charge. They needed a photo id. So I sent them a good copy ( it was the second copy because the first wasnt clear enough to me ). I waited about 10 days and called, they say they didnt get it and I could fax it. I sent the fax and waited a couple days. When I called they said they received the fax and my acct would be fixed within 2 weeks. Now its 2 weeks later actually XX/XX/22 and I called. Now after being run around they say they got both the mail and the fax but couldnt read the issue and expiration dates. I noted that they must be XXXX because I know for a fact the mailed copy was crystal clear. So now Ive just sent out another enlarged photo. Its been about 2 months on this. Is there anything that can be done to these companies? Like I told the woman, Ive done everything theyve asked, I get their letters, I sent a fax, and Im calling from the phone number on file, these are low limit cards, if I was trying to defraud them I would have given up by now! why is this such a hassle and she couldnt answer me. The card company is destiny through XXXX credit
Product: Credit reporting or other personal consumer reports

Equifax employees placed a credit freeze upon my credit report without my consent knowledge or authorization. Upon several attempts and writing as well as uploading documentation and reaching out to Equifax via phone calls, representatives refused to remove security freeze. This freeze has caused great hardship denying my financial institutions access to my profile. Upon speaking with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, some of the representatives I spoke with refusing to provide assistance
Product: Credit reporting, credit repair services, 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 - 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 XXXXXXXX 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 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 XXXX 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: Money transfer, virtual currency, or money service

I sold childhood toys and sports jerseys on XXXX. I started selling on XX/XX/XXXX and have been active until they locked my account about 5 days ago. I was asked by PayPal to provide tracking numbers for sold items along with a copy of my ID. All of which were provided for my account and should have left my account in good standing. On XX/XX/XXXX, I was notified via email that my account was permanently locked and I could no longer do business with PayPal. My balance from selling on XXXX that is locked in PayPal is at {$1700.00}. I am unable to access that money in any way. I have contacted PayPal the only way they are available right now which is through a live chat on their website. I have spoke to 3 different representatives. All of which were rude, vague and unwilling to help me in any way. I contacted XXXX to see if they could tell me what was going on as I am very confused as to what went wrong in the first place. XXXX told me that it should have been an easy fix on PayPal 's end as there is nothing fraudulent on my account. I am not asking for my account to be unlocked so that I can continue to do business with PayPal, but unlocked so that I am able to transfer my money that was all honestly earned. I have proof of sales for every dollar in that PayPal account. If that proof is needed, I can gladly send it. 
Thank you in advance for taking a look into this for me. I look forward to a reply.
Product: Debt collection

They're saying I owe XXXX when I don't. I fulfilled my contract and never renewed. Called and cancelled three weeks early. No one said a word about me owing anything. Credence started calling and I told them I fulfilled my contract. Also told them they can not produce any contract I have signed digitally or otherwise. He said they would put it's under dispute. Month later calls me back and same thing. Said he'd put under dispute again. Another month they start calling again.Never produced a contract or copy. Stopped answering after looking up credence and seeing their several complaints. Now they put an illegitimate debt on my credit report!
Product: Student loan

I am on PSLF program. I was placed on forbearance. I never asked to be placed in forbearance. It was done without my knowledge. 

I have twice requested to be taken off forbearance by phone. Twice no action taken and I am still in forbearance. I have missed one month of payment and thus 1 month has been added to how long I am with PSLF. 

Mohela is not taking me off forbearance. 

Mohela is not responding to my emails. 

Please help as this is now costing me time. 

Thank you : )
Product: Mortgage

I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.
Product: Checking or savings account

Marcus Goldman Sachs closed high yield saving account. I can no longer access funds or any account information. They will not release my money. They have held ont my money now for XXXX months. I have spent hours on the phone, filled out paper affidavits via US Mail. They just keep telling me that they can not verify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services and XXXX XXXX XXXX is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
Product: Consumer Loan

naver open car loan with wellsfargo bank it is a fraud account for XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

I have been in good standing with carhop for XXXX and not a single loan for the now XXXX vehicles have been reported on my credit report. None of my early payments none of the payoffs nothing, it's as if I never did business with them. From XXXX to today.
Product: Checking or savings account

Chase debited {$3000.00} from my checking account today ( XX/XX/20 ). I received an alert of an overdraft. When I called customer service, the representative acknowledged the charge and gave me the impression he was familiar with the name on the debit. ( this has happened to me once before, and I was informed it was someone paying their mortgage, same name on the debit ) he transferred me to a claims person who stated they could not cancel the charge even though they knew it was inaccurate she then advised me to close my account and that it would take anywhere from one to three business days after they let the charge settle for the money to be returned into my account. I asked for my claim to be escalated because I could not wait that long for the money ( again, the account is overdrawn by over {$2000.00} ). I was transferred to an escalation representative who then told me the same thing that there was nothing they could do for me. About 4 hours later I called a different corporate Chase number had to tell my story to the operator on the phone to request to file a complaint she then transferred me to a supervisor and he told me that he could not help me and then I was in the wrong Department transferred me and then on hold there was over 20 minutes hold time. It was Friday just after noon when I got the alert. Presumably the charge would settle in the next day so I am meant to have my account in the negative until XXXX next week? That's XXXX days from today.
Product: Credit reporting or other personal consumer reports

After looking over a copy of my consumer report recently I've noticed several accounts that's reporting to my report that's unauthorized and in violations of multiple laws. I've mailed XXXX a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made :.