23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX. 
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX  XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.
Product: Prepaid card

I have attempted to use a Visa Vanilla Gift Card on about a dozen retailers online, including fairly major ones such as XXXX and XXXX, as well as trying to add them to XXXX, XXXX, and XXXX XXXX. Nothing worked. It's a {$25.00} gift card that I can not use.
Product: Credit card or prepaid card

I purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX  but know one responds, no responds from customer service either.
Product: Debt collection

I contact XXXX XXXX to dispute one main off my credit report. because they're reporting that I made a payment in 2020 and I haven't made a payment on this account when I contact XXXX XXXX there no help
Product: Debt collection

First off, I'm a partially incapacitated severely autistic adult. A company called XXXX XXXX keeps calling my telephone incessantly. They violated Texas Penal Code 42.07 ( a ) ( 4 ) on XX/XX/2020 by calling me ( from XXXX ) three times in a row in immediate succession. I file a report with the XXXX Police Department and they contacted the company to instruct them to never call this number again, both as a remedy for the criminal harassment and also as a reasonable accommodation request under American 's with Disabilities Act and Texas Human Resources Code 121.003. 

They did not honor this request. Today, XX/XX/2020, they called me again, three times in rapid succession, only this time it was a different telephone number that was offset by XXXX, XXXX. I have asked the XXXX Police Department to criminally charge them for harassment as well as a criminal violation of Texas Human Resources Code 121.004 ( a ). Also after reviewing my call logs, they called me  twice on XX/XX/2020, from XXXX. 

I don't know what their deal is, they incessantly harass me via the telephone, there are many other occasions where they call me only twice in a row. Their communication tactic are abusive, especially for an autistic. 

Furthermore, they are attempting to collect a debt that I do not owe. Additionally, they have not provided written notification about this alleged debt. I checked my credit report the other day and they are defaming me with false statements on my credit report. I have been rejected from stuff due in part to derogatory marks on my credit report. 

Furthermore, my credit report shows they are tacking on penalties, this too is unlawful. I dispute the debt entirely and demand they provide a debt verification letter.
Product: Debt collection

I requested debt Validation from American Coradius International LLC that represents XXXX XXXX XXXX and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but XXXX  responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking XXXX to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times with Experian in regards to XXXX XXXX  XXXX error in reporting and notified them that this account is not mine. It remains on my report with Experian. 

XXXX  and XXXX had kindly removed this error without any problems. 

The second complaint is why is it that with all of my credit, inquiries, limits, and payments almost identical with the other 2 my score is significantly lower with Experian? 

It doesn't make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed several wrong items that I require to be corrected. I decided to file this complaint for myself without the help of anyone. I am requiring that Experian, XXXX, and XXXX permanently remove the following from my credit file immediately. These accounts are not mine XXXX XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX, XXXX, XXXX. There are hard inquiries that have shown to be on my file I did not sign for or authorized. Remove the following inquiriesXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US SM BUS ADMIN ODA. There are also addresses listed that are to be removed such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Reported : XXXX XXXX, XXXX - {$640.00} Balance {$640.00} Highest Balance {$640.00} Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX XXXX XXXX, {$3300.00}, XXXX XXXX,  {$140.00}, {$19.00}
Product: Credit card

I've had a Discover credit card since 2020, so well over 3 years. I've never missed any payments, and my credit score is very fair ( actually it is over XXXX ). I applied for a new credit card with them on XXXX XXXX. I even called to verify my identity, because I have a credit freeze on my account, and everything was fine. My card was subsequently sent out a day later. However, I received an email on XXXX XXXX, asking for information regarding my income taxes. The email also stated that " my account would be on hold " until I signed the document for them to essentially audit my tax returns, or closed if I refused to sign it. No one ever called me ( I did receive two AUTOMATED phone calls, but no live person was available to speak with ), regarding this completely inappropriate and invasive request. Discover HAS never, neither has any of my other banks, asked me to do such a thing with the threat of an account closure. I am puzzled as to why my account is on hold, and why my income is relevant to my account. It is in good standing, and current. I am going to file a complaint with the attorney general and reach out to the news channel if nothing is done to correct this border line criminality.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX, XXXX, and Experian. The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I contacted Discover about an account on my credit report in XXXX and I have heard nothing back, and the account is still reporting. The account was opened in XXXX, but I don't remember opening an account with Discover that year. I also informed the credit bureaus as well as Discover that my personal information was compromised in a data breach. I requested documentation for this account over 60 days ago. I am demanding that this account be removed due to clear violations of the FCRA. I want to also point out the inaccuracies in the date last active. I will attach my credit report as well as my XXXX data breach claim. Please remove this account within 15 days.
Product: Money transfer, virtual currency, or money service

( Block , Inc ) Due to inadequate, customer, service, and unfair practices which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and proactive measures to prevent and address fraud on their platform leaving accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electric fund transfer act ( EFTA ) and Regulation E. These actions has caused significant inconveniences and Financial loss and I seek appropriate redress For these violations.
Product: Student loan

I have made payments on student loans to Nelnet using my XXXX XXXX card. Today I 'm told by nelnet they will not take it as a payment, say the DOE changed the policy. I called the DOE and they say they did no such thing I called nelnet back and they wo n't share the email memo, letter that says the rule changed. So what is going on? I have paid my taxes with my XXXX! Who is telling the truth? What is going on? If other people ca n't manage their money why is this effecting me. Please know nelnet will not share source document, also know no one seems to have a last name ... Seemingly the refuge of cowards. How do I get to a servicer that will take my payment? If this a new DOE policy - who what person persons - by name - thought this up
Product: Debt collection

Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later.

There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part. 

We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver. 

This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$130.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries to Block and Delete 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I purchased an item from a seller on XXXX. On XX/XX/XXXX, It was delivered to my address. I took the item to the XXXX. The XXXX  notified me that the item did not fit my vehicle. I then contacted the seller on XXXX. The seller on XXXX initially was not responding to me. I then requested from XXXX to send me a return shipping label. The label sent to me via email was incorrect. I then purchased my own shipping label from XXXX. The seller on XXXX signed for the package in agreement that he received the item back. I filed a dispute with my bank for merchandise returned. My claim was denied over 10 times. Ive sent in receipts, invoices, tracking numbers and messages and my claim remains denied. I have since then tried to contact XXXX for a refund. They denied my refund as well due to their policy of opening a claim outside of XXXX. Chime has denied my claim several times. My bank stated that they needed an order number. That order number was provided to them and my claim remained denied. I found the sellers personal information online and contacted him. He agreed to do a refund but XXXX is preventing him from doing such.
Product: Debt collection

My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Product: Money transfer, virtual currency, or money service

hi, citi bank illegally hold up my company 's money for three months. At the beginning, the account was frozen and I was trying to recover this, after I confirmed with them the form was correctly filled out, and mailed to them. Citi said they delete my signature in their system, so they do not know how to verify it. 

They froze my company 's account illegally, and now refuse to recover the bank account unless I provide the company 's shareholder solution, which is irrelevant to the bank account. I asked citi to give me laws and regulations, why in order to recover my company bank account, I need to provide board resolution of the company 's parent company? they do not give me any laws/regulations. 

I can not pay my employees, my suppliers because of this, my employees sue me and my suppliers are chasing me. I had a huge financial and business loss, and citi do not care.
Product: Checking or savings account

On Thursday, XX/XX/2023, my debit card with Truist was declined for a transaction and I got a fraud alert, and I responded and confirmed that it was me making the transaction and not fraud. I then tried the transaction again, and it was still declined. I spoke with truist and they said they fixed it and I hung up and tried it again, and it in fact was not working. I repeated this same process of calling them, them saying its fixed, still not working, 3 more times till they said try again or tomorrow. I waited a few hours and was able to get 2 transactions to go through. 
The next day, XX/XX/2023, I tried to make some more transactions and was declined again. When I called I was told my card was now locked and my account is under review but my account is not locked. One of these transactions attempted was at a local atm to withdraw money for an emergency for which my only possible source of funds was this truist debit card. 
On Saturday, XX/XX/2023, I went into a local branch on XXXX XXXX in XXXX, Virginia, XXXX, to withdraw my funds for said emergency again, and was imediately handed my card and ID and told they couldn't help me.
Product: Credit reporting

I have a account thats not not mine should be pay by Insurance because i have Medicaid an Medicare an XXXX XXXX XXXX its XXXX Dollars so it should be pay.Thankyou XXXX XXXX XXXX
Product: Mortgage

My complaint is with Ocwen Mortgage Lender. Ocwen is more of a debt collector as suppose to a traditional Mortgage Lender because costumers get none of the benefits that come along with having a mortgage loan from a traditional mortgage Bank. 
I was a victim of Hurricane Irma. Ocwen gave me a three month mortgage relief plan. After three months the repayment plan was almost double my original monthly payment, so I asked for a modification. During that time they gave me another 3 month extension until the modification was complete with affordable payments. The modification that I was given increased my interest rate which made my monthly payments unbearable with the diaster I already endured with Hurricane Irma. I rejected the modification and proceeded to talk with Ocwen about alternative agreements. Each relationship manager tells me a different scenario. No one is accountable for your account but only calling to collect a debt. When you ask them to review the notes from your previous call with the previous relationship manager you find out that they only wrote notes on half the issue discussed and practically none of the resolution.So you are back to square one. They drag out this process with misinformation until your home is in foreclosure. That is my situation. I am facing foreclosure due to neglect on the part of Ocwen. Also most of the customer service agents or ( relationship Managers ) as they refer to themselves do not speak English clearly but appear to be in another country reading from a script. Please direct me to the proper channels so I can attempt to get this situation rectified before I lose my home