23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent this company over 1000 emails asking for written documentation regarding this debt. How it is owed, who it is from, how it is linked to me and my options to remedy the situation. They have promised me they will send me something in the mail immediately and then never do so. I have also phoned them dozens of times and written them via US MAIL requesting this information. They have lied to me and threatened me
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to spring oaks capital LLC back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX , VA XXXX address and emailed them to customer service@springoakscapital.com email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and spring oaks is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.
Product: Credit card

I have been a long time customer of Chase Bank and have Checking, Savings Business Accounts. In addition I have a Chase Sapphire Credit Card & Chase XXXX XXXX Credit Card both which have accumulated a large amount of Rewards Points as they are used for my business operations in which I rarely have used any of the rewards points. I decided to check on the balance for my rewards points on around XXXX of XXXX  and unbeknown to me Fraud or Scammers must have been able to access my rewards points and had been redeming them for gift cards going all the way back to XX/XX/2023. I immediately called Chase JP Morgan Bank to report this fraud in which only XXXX card was canceled at the time and a report filed for Fraud and I would receive the reimbursment of the rewards points in XXXX business days. After this time passed nothing came up so I then called again to Chase JP Morgan Bank and received the same line of XXXX business days in addition I found out that my other credit card was also compromised and even the Chase representative mentioned that the first representative failed to ensure that all my other accounts were safe and protected from the fraud or scammer accessing my accounts. This was very negligent on their part and she proceeded to cancel and re send other credit cards and changed my account numbers. We are now in XX/XX/2023 over 3 months have passed and I have yet to receive the full reimbursement for the rewards points which add upwards of XXXX. 

This is very negligent as Chase JP Morgan is responsible for the safe keeping of my accounts and this level of breach was a significant damage to myself and can only imagine the others that may be experiencing this same level of damage. This poses a huge threat to the integrity of the safety for consumer accounts and identities and would like to have this furthur investigated and receive a Full Reimbursement for all of the points that were illegally taken from the Fraud that occured. Any Chase JP Morgan client should be aware that this can be happening without their knowledge and I strongly advise to look into the rewards points they have accumalated and review to ensure they are not being redeemed by a scammer/fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/ to XXXX. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Checking or savings account

Good Afternoon, I purchased an airline fare from Spirit Airlines for a trip to XXXX XXXX. However, I was unable to attend due to obtaining XXXX. I canceled the trip with the airlines one week before travel and was told if I had submitted proof of having XXXX my trip would be refunded in full. I followed the provided instructions and then was told by SPIRIT that it would be issued as a credit and not a refund to my Bank of America debit card. I contacted BOA to dispute the charge and the merchant opened a 30-day investigation. I was just informed by BOA that would not pay the claim because SPIRIT provided proof that I made the purchase. BOA then closed out my case. I contacted SPIRIT to find out about my using flight credit and was informed that I had to contact my bank since I disputed the transaction. Neither merchant wants to return the amount of the flight after I submitted all required documentation as per their directions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

We never stopped paying PNC Bank After proving PNC wrongfully started foreclosure proceedings in XXXX while our account was paid up to date, PNC Bank retaliated by forcing the entire loan due immediately. They would not let me pay one dime more on the loan it was all or nothing. 
I have proof that PNC Practices have been abusive, deceptive, and unfair. After filing a complaint with the Consumer Financial Protection Bureau and not getting anywhere had no choice spring XXXX but to file for a modification to stop the foreclosure. Once again, no communication or notice was given but I kept calling to find out we were granted a trial modification at a very high rate we were expected to pay {$2000.00} a month on a $ XXXX HELOC. I made the payment, tried calling to confirm with XXXX XXXX at PNC, no reply, out sick then off work. Found out from another PNC Bank representative over a month later that the payment went to the wrong department! That is why it was returned! 
Total breach of fiduciary duty, what about due diligence? A simple note in our file, anything, to let someone know the status?? By the time all this was figured out and explained we were not only under foreclosure, but a sheriffs sale was set for XXXX XXXX XXXX 
No one should live with despair like this! Culpable negligence, PNC misapplied payments, harassed me, charged enormous fees, penalties and continued to debit our account until it was overdrawn. 
Our home is listed for sheriffs sale on XX/XX/XXXX for $ XXXX? How can they do this to us? Wont anyone help? 
Ive kept a listing of PNCs unprofessional behavior over the years and what I have had to endurePNC is a glorified loan shark taking advantage of less fortunate. The HELOC in question was a high interest predatory loan solicited by a bank representative, XXXX XXXX. This same bank representative granted my husband a $ XXXX second mortgage loan 14 months prior to discussion of the HELOC ( the terms of the loan had him paying interest of 50 % of the loan principle ). My husband could not make the $ XXXX second mortgage on time but that same bank rep granted a $ XXXX additional HELOC? My husband overdrew his PNC checking account 15 x the three months preceding the HELOC approval date and with the $ XXXX loan we already had no equity left in our home! 

Since this loan was taken out I've had XXXX children, XXXX twice and it looks like a possible third and final time... I'm trying to be responsible and pay what is due... they took advantage and have made my life a living XXXX. Everyone in the neighborhood knows, my kids friends say things to them. ( My daughter is in XXXX XXXX/my son in XXXX XXXX ) ... they are both XXXX XXXX.. PLEASE HELP US! Can anyone help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/ and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF XXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX
Product: Debt collection

they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practice, which violates the consumer financial protection act ( CFPA ). Specifically Cash App fail to take timely and effective measures to prevent an address fraud on the 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 economic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Debt collection

In early XXXX, XXXX, I received a letter from General Revenue. That letter gave me until XX/XX/year> to request verification. I must add that I received this letter subsequent to a phone call with one of their representatives, XXXX XXXX, who made a XXXX statement to me. On XX/XX/year>, I made a verification request on their website and I also faxed them a letter to that same end. 

Today, XX/XX/year>, I opened a letter designed to harass me. The letter, dated XX/XX/year>, says that General Revenue recently spoke to me to establish a payment arrangement and mailed me a form to set up such payments. That is patently false. I NEVER spoke to General Revenue about anything and they NEVER sent me any forms at all. It is my understanding, supported by their own correspondence that they can not pursue collection activities for 30 days following my verification request. This letter is dated XX/XX/year>. Even if, as they suggested during a phone call, that the system randomly generated this letter, they should have waited 30 days to send it. 

This is a prima facie case of harassment and should be dealt with as such. At a bare minimum, I want and expect an apology from General Revenue.
Product: Mortgage

I want t express my frustration on working on a Loan Modification request with Select Portfolio. Not only did they make the situation matter more complicated, they made it worst. It all started when I requested a Loan Modification back in XX/XX/2015. More than 4 years ago, I requested a loan modification on my house because I was experiencing an extreme hardship. My wife of many years and I encounter some life problems which resulted in her leaving me and a divorce. Through out this process, I became very ill and had an XXXX XXXX. My emotions were all over the place and I had a XXXX XXXX. Due to my XXXX XXXX, I was not myself and was considered XXXX. My family locked me up in a XXXX XXXX for a couple of years until I became better again. I have all documentation pertaining to the XXXX XXXX I had and also being in a XXXX XXXX  due to my XXXX  XXXX. This cause me a huge breakdown in my life because I was not able to work, and my expenses for the house kept increasing. I apologize the debt has become this large but its due to my XXXX  state, like I said I have all needed information to proof you of my hardship. Once I was out of the institution, my life started to get together slowly by the use of family members. They helped me at the beginning by providing me financially until I can get to my feet and start a life again, that was destroyed by my previous marriage. 
After all my financial situation was getting better, I decided to look for help from SPS to come clean and start making payments. 
Throughout the process of the loan modification, the bank kept bringing up my previous review. They kept requesting information from a loan modification that started 3 years ago. I kept telling them me and my wife were not together anymore, and they still wanted her finances, shes not even part of this loan, and nowhere near my life, I believe I was getting bullied by them or in a way they just wanted to make fun of me and I did not appreciate any of the gestures. Once it became clear after a couple of months, they denied my loan modification due to not enough income to support a loan modification, but approved me for a Repayment Plan. The Loan Modification was based on a payment of {$2800.00} which included the escrow. The Repayment Plan was for {$5400.00} on a monthly basis. I called this XXXX and excuse my language. I can not qualify for {$2800.00} but I qualify for {$5400.00} which is insane. I know this bank has been after my property because it possesses a great market value. I know they are doing this on purpose to take ownership of my house. Im scared of the sales date. I tried to re modify again and they said no, just sell the house or we would foreclosure. Please help me with a Loan Modification, it is neither my fault I had a XXXX XXXX  XXXX  that caused me to be hospitalized and cause me my hardship. I just want my house, please stop the foreclosure until we can finalize a review.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft and a related data breach. The accounts and inquiries listed below are fraudulent and were opened or initiated without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts 1. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} 2. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries 1. XXXX  XXXX - Date : XX/XX/XXXX 2. XXXX - Date : XX/XX/XXXX 3. XXXX XXXX  - Date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX 5. XXXX  - Date : XX/XX/XXXX 6. XXXX XXXX - Date : XX/XX/XXXX 7. XXXX - Date : XX/XX/XXXX
Product: Credit card or prepaid card

I still have the previous complaint. I will sum it up briefly again. 
Hello, I spent over a month trying to sort this issue with the Upgrade , Inc. Their numbers on the statements do not match. I spent about 2 hours on the phone with their rep/supervisor XXXX and explained to him the problem. He should have escalated to back office, explain that we looked at XXXX or 4 months timeframe to isolate all disputes that were causing the confusion. We calculated all my payments, interest accrued during those 4 months, it created shortage of {$1200.00}. After that we deducted the 2 deposits to XXXX ( XXXX and XXXX ) and there is still around XXXX short. I called later and was practically blown off by other reps including rude XXXX XXXX who hung up on me, and then XXXX who basically stonewalled me. He said everything is correct. I asked him to either connect me to the the department who does the review, and he refused that. I asked him then to forward my email with explanation to that department and to forward back to me their response- he refused that too. Their statements are designed to be impossible to understand a thing, and I am a XXXXXXXX XXXX XXXX XXXX XXXX Their customer service is just as bad, and company acts as a fraud. I borrowed close to $ XXXX from them across XXXX accounts, and never was late while paid off almost all I owe, and for that I get such treatment. 
HERE IS THE ASK : PLEASE PROVIDE ME WITH DETAILED CALCULATION OF EACH TRANSACTION RELATED CHARGE, TRANSACTIONS LIST AND EVERYTHING ELSE THAT IMPACTS THE BALANCE INCLUDING THE INTEREST FROM XX/XX/XXXX TILL XX/XX/XXXX. YOU MUST ACOMODATE YOUR CLIENT AND EXPLAIN HOW YOU CHARGED ME AND FOR WHAT
Product: Consumer Loan

I purchased a XXXX in XX/XX/XXXX but the finance company is not reporting my ON TIME payments to the credit bureau.
Product: Credit card

I have had problems from the very beginning with this credit card and auto pay. Every time I set it up, I think it is set and I just happen to check the app to verify my payment details and it shows I am PAST DUE. I call and speak to a customer service representative and a couple of times they removed the late fee. However, I am certain this is affecting my credit score and report. This has happened at least 5-6 times with this credit cardNO WAY is it not be set up by me- all my other cards are! Now they are refusing to remove the late fees and increased interest rate! I have no way of know or proving that someone on their end is doing this to gain more fees and interest and they want me just to think that they would never do such a thing?! I have 4 credit cards. I put them all on auto- payment, why is there no problem with my other credit cards? Capital One is being shady and a bully to low income people with low credit limits because they can get away with it. I want the late fees removed, my interest rate restored and any negative impact removed from my credit report/score.
Product: Credit reporting or other personal consumer reports

I found a credit card from XXXX XXXX XXXX on my credit report that was open in my name with a XXXX credit limit. I did not authorize this
Product: Debt collection

On XX/XX/2021 at XXXX mountain time i received a call, that i requested, from professional finance company XXXX a ANd i asked for proof of the debt and everything, the lady, which she said our conversation was being recorded, told me she did not have proof and so i was given instructions to request proof so they could request proof from the company. If this is so, how did my dispute get denied twice due to the company providing proof? They have not had proof ao i need this removed from my credit report. Reference number XXXX with professional finance company and XXXX  XXXX XXXX, please.
Product: Debt collection

So I moved out of an apartment I left my forwarding address twice once in person and again via email when I inquired about my security deposit return. However XXXX XXXX never bother to respond to my calls and or email, nor has the collection company that sent me to collection bother to reach out to me regarding paying the bill before sending me to collection so i received no information to even know this exist until I seen it pop up on my credit report! I tried to initial contact transworld to see what this debt is an form as well as how they can send me to collection on something I had no idea about to begin with however after verifying all my information he would not provide me wit any information regarding the debt collection because he wanted me to pay a service fee for the information but couldnt even provide his company was legitimate I end up going into XXXX XXXX  apartment and it was bought to my attention the last property manager never put my forwarding address in the paper work/ file instead she used my old apartment address with the wrong city and zip so the address they had was not even a valid address nor did they bother calling me directly even tho they had my number on file! This collection should of never been open and put on my credit now my credit drop dramatically I resolved the issue with XXXX XXXX directly however trans world the debt collection company has not removed the account off my credit report! Which is now affecting me buying my first house!
Product: Credit reporting, credit repair services, or other personal consumer reports

While incarcerated I was renting a room from someone I knew and another renter got into my room and ahold of my wallet and all my personal information. There was more then one renter during that time and I went to each credit card company individually myself with proof and got all my active accounts rectified. I have not had as much luck with all the hard inquires while said person was trying to open new accounts. I have used 3rd Party services such as XXXX XXXX and XXXX XXXXXXXX XXXX as well with little success. 

XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.