23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Equifax placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, Equifax and XXXX Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX XXXX # XXXX and XXXX 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to XXXX.

I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Product: Checking or savings account

XXXX with XXXX XXXX XXXX XXXX called on XXXX at XXXX XXXX and left a message with no contact information or phone number threatening my to cancel membership due to " unprofessionalism. '' When I called XXXX XXXX to dispute a charge on my debit card. 

I only know this person 's name is XXXX from the other representative that I spoke to who gave this information to me. 

XXXX is a hypocrite that demands professionalism from XXXX, yet he is allowed to not leave his name or call back number, or call from a number that can be reached. 

XXXX XXXX Discriminates against XXXX XXXX trying to make sure their money isn't stolen.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap

p ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform. I requested my money back from the user and put in a complaint with them, but nothing happened. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek a
ppropriate redress. They also never tried to stop my money from being transferred or taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REFERRED TO YOUR AMAZING CONSUMER PROTECTION AGENCY BY MY DEAR AND VERY GOOD FRIENDS FROMTHE UNITED STATES SENATOR 'S OFFICE AND THE FEDERAL TRADE COMMISSION OFFICE.I'AM A VICTIM OF IDENTITY THEFT AND ALL OF MY IDENTITY WAS STOLEN AND FRAUDULENTLY USED TO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME WITHOUT ME KNOWING.I'AM STUDING FOR MY XXXX XXXX IN XXXX AND I'AM TRYING TO PURCHASE MY FIRST NEW HOME AND I CAN'T DUE TO THIS HORRIFIC INCIDENT.I HAD AN XXXX CREDIT SCORE BEFORE ALL OF THIS HORRIBLE SITUATION HAPPENED.I JUST WANT MY WANT ALL OF MY DAMAGED CREDIT REPORTS FROM ALL THREE BUREAU 'S CLEAR AND BACK TO MY XXXX EXCELLENT CREDIT SCORE.ALSO I WANT AN REFUND OF THE MONEY THAT I PAID FOR AN CREDIT REPAIR AGENCY TO RESTORE MY DAMAGED CREDIT WHICH IS XXXX   XXXXTHANKYOU AND GODBLESS YOU AND YOUR WONDERFUL STAFF ALWAYS.SINCERELY, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account XXXX : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian documentations twice of my correct address. They have a copy of my Driver License that was sent certified along with my dispute letters. I have continuously tried to contact Experian and have fail to get through to a representative. I even contacted the fraud department and still no possible way to get a live person. This is an urgent matter. There are several personal information reporting that does not belong to me. Also inquiries that are also reporting that I did not authorized. I had a security freeze and I am concern as to why it was not active when these unauthorized inquiries applied to my credit report. I also contacted two creditors who stated they have requested to remove the inquiries, however theyre still showing. And this was in XXXX.
Product: Credit card

I was not aware of the expiration date of the offer due to not receiving statements in the mail also the company send me several offers with different expiration date I used the wrong one, ended up they charge me {$360.00} and when I called I was mislead by their representative by telling me I need to make a payment then requested refund and when I did I discovered that they added more interest for the previous amount to be ended with balance to {$510.00} and they ask me to make a payments then talk to the manager who did says we are sorry we cant do any thing to help. Bank of America is misleading the customer
Product: Checking or savings account

On XX/XX/XXXX I received an alert that stated that my account was overdrawn by {$23.00}, plus a overdraft fee of {$34.00}. This transaction was made on XX/XX/XXXX while I was in XXXX, NJ on vacation almost 2 weeks ago and was posted by Chase on XX/XX/XXXX. I called the bank to find out how this overdraft occurred and was told by a Manager that they did not receive the request for payment until XX/XX/XXXX. I do not understand how 2 transactions from XX/XX/XXXX posted then took 11 days according to the Manager to be taken out of my account. My account on XX/XX/XXXX had a balance of {$150.00} which covered the {$23.00}. 

All other transactions from XX/XX/XXXX - XX/XX/XXXX were payed within 2-3 business days.

Chase is known for holding onto payments and waiting for them to go into overdrawn status so that they can collect recurring overdraft fees of {$34.00} daily until paid. This isn't the first time this has happened and I will be closing my account and going to another bank. I hope if this has happened to anyone else they decide to do the same.
Product: Credit card

I made a purchase with my Macy 's credit card back in either XX/XX/2015 for a pair of white high top converse sneakers for my daughter. I last made a payment to them XX/XX/2015 which was supposed to count for my XX/XX/2015 payment. They were stating that I never made the XX/XX/2015 payment which made me told them to cancel this account which I though I did. Ever since then they have been sending me statements each month billing me for the card which I clearly told me that I did not want and which they expect a higher amount of payment which I am not willing to do as I have not touched that card since. They have also been calling me non-stop harassing me about this from a XXXX phone number so much so that I had to block the number but since I got a new phone, I have n't been able to download the app to re-block them again. This needs to stop immediately, I will only make a payment on what is owed from that purchase nothing else nothing more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already been paid ( Attachment on file ) and currently being reported as a collection. Which is a violation of my rights according to the FCRT. Please, update to closed or delete as soon as possible.
Product: Credit card

I have on a few occasions been locked out of my account for no reason whatsoever. I pay my bills on time all the time, and have done so for decades with all my credit card bills. In short, I am an excellent customer with an excellent credit score and history. Nevertheless, I am asked to verify my identity all the time, forced to call up the credit card company to provide more and more private information. Today I was locked out of my account, so I called up customer service, who asked me to add up the last few numbers of my driver 's license number. What!! XXXX, how do they even know what my driver 's license number is? I have never given this information to them. XXXX I just moved to Montana and so have a temporary license until I receive the hard copy in a week XXXX XXXXXXXX. I am sick and tired of credit card companies being XXXX overly zealous in security and XXXX prying into my personal information. If I pay my bills on time they have no business, and no right to demand security checks from me all the time, and no right to be gathering information that has nothing to do with my account. I am disgusted with this new development of credit card companies doing this. In having credit cards for over XXXX years this never started happening until just a few years ago. These companies need to be reigned in. This is both terrible customer service and an invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

NISSAN MOTOR ACCEPTANCE {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries on my report from XX/XX/2018 and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EXPERIAN****** Addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$140.00} DEPT OF ED/XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2000.00} DEPT OF ED/XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$1200.00} DEPT OF ED/XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$1200.00} DEPT OF ED/XXXX  Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Open Balance {$2000.00}
Product: Checking or savings account

I have sent American Express gift cards to XXXX XXXX XXXX XXXX ( RWCB ) to meet grant requirements and never received the grant. Since I have not received the grant, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. You may have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor Office of Inspector General and the FBI. I request your investigation with a goal of returning all the AE gift cards totaling {$4000.00} ( attached ). All gift cards were initiated from my XXXX XXXX checking account. I consider these gift cards as stolen and request their return. Thank you XXXX XXXX
Product: Credit card or prepaid card

I purchased a {$100.00} prepaid XXXX issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX.  Turns out the card was already compromised in XX/XX/XXXX ( according to U.S. Bank ) by a fraudster, who unloaded the value of the card in XX/XX/XXXX, soon after I purchased the card. After I became aware that the card had XXXX balance on it, I called U.S. Bank to find out what was going on. U.S. Bank refused any responsibility, claiming it had advised me in an XX/XX/XXXX phone call that re-activating the card carried the risk of exposing it to fraud ( in fact the very person they were talking to was the fraudster - the card value was unloaded the following day ; I even provided evidence to U.S. Bank to show that I was in Hawaii, not anywhere near where the fraud was perpetuated in XXXX California, at the time of the phone call and unloading of the {$100.00} ). On XX/XX/XXXX, I provided all information requested by U.S. Bank to dispute the fraud by fax. I had no response from U.S. Bank and called back two weeks later. In repeated phone calls since then, U.S. Bank would only tell me that it was being researched, or that someone would get back to me, or that I was out of luck because I had already been advised about the risk of re-activating the card on XX/XX/XXXX ( when in fact they were talking to the fraudster ). Although I have provided all requested information, U.S. Bank continues to give me the run-around ( now having talked to over a dozen people at U.S. Bank ) rather than any action to resolve the problem.
Product: Debt collection

This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Now that XXXX has released all our information all over the world, I tried to put a " Security Freeze '' on the 3 bureaus. I was successful at XXXX and XXXX but TransUnion not. I took me click after click on the internet on links that kept bringing me to their pay services. When I finally reached a page it wants me to register. Since one bureau already shared my information across the globe I care not to even register. All I want is my credit frozen. On top of it, I have been on the phone on hold for over 15 minutes and can wait no longer. 1 - This should not be so difficult. 2 - They only seem to want your money 3 - We should be regulated like XXXX 4 - I and my spouse both need to have our credit frozen 5 - I also am going to write my Congressional and Senatorial representation and even though not mine, XXXX XXXX. This is more than ridiculous we are putting the heart of America at risk for  disaster for short-term gains by the few. How can I get our Credit Frozen and when. Thanks, XXXX