23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It is my opinion and firm belief that Discover Card and subsequently XXXX XXXX committed fraud and failed to honor its consumer protection policy on an item never received by the consumer causing the consumer anxiety, shock, emotional distress, and monetary loss. Employees failed to honor consumer protection policies and attempted to deceive the consumer even going as far as sneaking charge-backs onto the consumers account without notifying the consumer. On several occasions Discover posted We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. under disputes however never sent a letter or secure message including documentation they reviewed. Only the consumers due diligence in reviewing the disputes page revealed the deception. The disputes page is NOT the Discover secure message. Employees attempted to deceive the consumer that they had received correspondence from XXXX that the charge was valid however no new documentation had been received and a prior review of initial documentation received resulted in a ruling by Discover that it was an invalid response and the temporary credit was reinstated to my account. Employees attempted to browbeat the consumer when they removed the temporary credit claiming that XXXX had my name and credit card and that they therefore could not dispute the charge despite the fact that there was no new documentation from XXXX and that XXXX had ruled in my favor. Employees fraudulently replaced a closed investigation found in favor of the consumer with a second review stating the charge was valid without notifying the consumer. Employees attempted to deceive the consumer that the temporary credit had to be removed to balance the account despite the fact that Discover had applied a courtesy credit and the matter had apparently been resolved. Employees refused to allow the consumer to escalate his complaint to speak with a supervisor claiming the supervisors were not available and in one instance claiming that they sent the supervisor an email and that the consumer would hear back in 72 hours even though a supervisor never called back on the stated complaint. Employees failed to acknowledge that the consumer had provided documentation that XXXX had ruled in favor of the consumer and had allowed the chargeback. Despite a call to XXXX XXXX XXXX on XXXX-18 and discussion with XXXX XXXX who committed to investigating my complaint and responding in two business days, Mr. XXXX only called back 11 days ( accounting for XX/XX/XXXX holiday ) later on XXXX-18 and had NOT resolved the complaint. Mr. XXXX had introduced himself as an associate however a search on XXXX revealed that Mr. XXXX was a coach/supervisor. Discover refused to connect me with Independent Director of Internal Audit, XXXX XXXX XXXX. As promised I am filling a complaint with the CFPD.
Product: Credit reporting

On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress
Product: Debt collection

On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX  XXXX. I deposited the check into my checking account ( XXXX  XXXX XXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX  XXXX XXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX  XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT # XXXX 15 U.S. Code 1681c-2 it has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete this items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

IT HAS NOW BEEN 30 DAYS THIS IS BY LAW REASON FOR DELETION OF THIS FRAUD ACCOUNT 15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections XXXX XXXX XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.
Product: Money transfer, virtual currency, or money service

Receieved a call from what appeared to legitimately be from Chase according to our XXXX. The caller claimed to be from Chase, calling to confirm a XXXX transfer that we had not initiated. When we realized it might be fraud we hung up and called Chase via the number on the back of our bank card. The Chase rep who answered, XXXX, said that the money never transferred and the call was probably legitimate, yet hours later the money left the account. The fraudsters then called back ( at that time we still believed XXXX from Chase that it was safe ) and they told us to do a transfer to the Chase department of cancellation, only later learning it was false and we'd been scammed. At the end we lost {$2500.00} even though our call to the actual Chase customer service department led us to believe the incoming calls were real.
Product: Bank account or service

I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  XXXX XXXX. The people I dealt with claimed to not to work on commission and introduced themselves as something else and not a salesperson. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was promised of rental income as well if I decide to rent it out to others. They said it had some tax benefits similar to owning a second home. I was pressured because they're saying that it was my last chance to grant me the lowest price being offered. They took my ID to make copies, I was given gifts such as a bottle of champagne and a gift card. Everything felt rushed especially and some information we deliberately skipped or withheld, I was never made aware of all the fees involved. I'm old, and they used that to take advantage of me. This has just been very stressful for me, I was simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, XXXX seems to be presenting obstacles, claiming I haven't completed all the necessary steps. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically XXXX, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 practices, which violate the Consumer Financial Protections Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their 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 Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agency and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. The agent stated that there was a code on their end that says it is correct so he could not remove them. I never gave them written consent to report such inquiries. 

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 an account without my written instructions.
Product: Mortgage

My name is XXXX and I have been Appointed as the Administrator for my Mom Estate by the XXXX XXXX XXXX. Please accept this complaint on behalf of my Deceased mom 's Estate, the Mortgagor. 

Background On, or around XX/XX/XXXX, I became aware that my mom 's home was in Foreclosure. I notified PennyMAC immediately that I am a Surviving HEIR of my Mom 's Estate. I faxed PennyMAC XXXX. ) A copy of my mom 's ( XXXX XXXX ) Death Certificate, 2. ) A copy of a XXXX XXXX XXXX XXXX XXXX that Identifies me as a Surviving daughter of my mom 's Estate and as the Special Administrator 2. ) A list of names of additional " next of kin '' who are Heirs to my mom 's estate as well. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PennyMAC 's Attorneys were served via Express Mail and Certified mail a Wrongful Foreclosure Notice with notification that I had filed complaints with FHA ( FHA Case No XXXX and FHA HUD Escalated Complaint No. XXXX ). 

PennyMACs Agent ( AP. ) was delivered via email a copy of a XXXX XXXX XXXX ( XXXX ) name me ( XXXX ) as the Administrator of the Estate. To date I have spoken with approximately ( 19 ) PennyMAC Agents, and PennyMAC has failed to be completely transparent regarding what additional documentation is required to name me as the Successor-In-Interest for my Mom 's Estate. 

Issues XXXX Foreclosure dates have been set to sell my mom 's home without allowing me a legal heir to be confirmed as the Successor-In-Interest of my mom 's estate. PennyMAC just delivered the TILA Disclosures, A copy of the Breach Notification, Loan Default information, Loss Mitigation, or any Account Reinstatement Remediation options, etc., on Friday, XXXX XXXX XXXX, after I had been requesting them for XXXX and a half months. 

I requested access to my mom 's online account after becoming approved Authorized Third Party. I was granted Access for less than ( 24 ) hours because a PennyMAC Supervisor by the name of XXXX revoked my access without cause and documented in the PennyMAC System for no one to give me back access to my mom 's account. I just received the TILA Disclosures, a copy of the Breach letter, Accounts in Foreclosure Notifications, Default Amount, Fees, Charges, and Loss Mitigation, etc. 


Motive for their Actions : My mom owes approximately $ XXXX on her property. The Estimated Value of my mom 's property is {$390000.00}. 

Thank you for allowing me to share this horrific experience! I am Praying that we will be able to reach a Mutually Satisfying Resolution. 


Very Respectfully,
Product: Debt collection

Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im aXX/XX/XXXX for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole Discover Card, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached Discover Letter dated XX/XX/XXXX is Discovers fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by Discover will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact Discover claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. Discover, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting Discover is not mine.
Product: Student loan

I submitted an application for  Public Service Loan Forgiveness ( PSLF ) to FedLoan Servicing. I have not been credited the correct number of payments for my current employment. I called FedLoan Servicing and was informed that I was not eligible for PSLF with my current employer (   XXXX   XXXX   ),  which is why my payments are not credited. However,  3 payme nts for  XXXX  loan and  2 fo r the other were credited according to the statement I received. It does not make sense why there would be differing numbers of qualifying payments.     I am also confused as to when I entered into a qualifying payment plan  for PSLF as the National Student Loan Data System only has information for my current repayment plan.