23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Second Complaint Against Debt Collector for separate issue. Debt Collector continues to engage in unfair practices prohibited under both the FDCPA and and CFDCPA. Debt collector is unwilling or unable to provide all requested and required validation items that I as a consumer am entitled to under State and Federal law. Debt collector is unwilling or unable to verify that they are entitled to collect supposed debt by original creditor and is attempting to charge interest on supposed debt without providing requested documentation that they are entitled to do so as required under Federal and State Law. Company has refused to identify their company 's agent of service and is unwilling or unable to produce documentation where I agreed to pay supposed debt or to pay interest on supposed debt. Company has previously willfully denied attempted communication via regular and certified mail and over the phone and has now refused to provide requested validation documentation.
Product: Mortgage

My taxes were not paid. I will most likely end up paying late fees because of Mid-Island mortgage incompetent service.
Product: Credit card

My Bank of America credit card ending with XXXX was lost on XXXX XXXX, 2024. Therefore, I reported a loss afterward and requested a new card sent to my billing address in XXXX. I started using the credit card for online purchases and stayed in XXXX, California, during that period. However, on XX/XX/2024, a few in-store purchases appeared on my credit card, which I did not make, and the address is in XXXX XXXX XXXX XXXX California XXXX I have never received the physical card, and I have never given anyone permission to use my card. The new credit has been stole from my mailbox directly. As I already used the new card information online, the physical card was activated unintentionally. When that fraudulent transaction happened, I purchased in-store XXXX ammunition on XXXX XXXX, 2024. The XXXX shop 's employee can prove that I was in that store, and they have checked my ID. I also used my Bank of America debit card for that purchase, proving I was in XXXX XXXX, XXXX California. After that, I contacted the Bofa fraud department directly and provided the needed information. But after three weeks, they finished their investigation and gave me a report denying my claim. The Claim number is : XXXX.
Product: Money transfers

Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the XXXX XXXX XXXX XXXX XXXX that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including XXXX, XXXX and Transunion to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX  AS WELL.
Product: Checking or savings account

I have the information that they used to open the account in my name. I received 5 Emails on Friday XX/XX/XXXX. 1. Verify you email. address 2. Online Application in Progress 3. Your application was approved 4. Your email address was updated 5. Welcome to mobile banking. The first one came at XXXX PM and the last one at XXXX PM. 

In the email that stated your application was approved, I had a " Bank of America Advantage Plus Banking '' new account that showed a Account # and the last 6 digits. I also had a confirmation number for my application. I don't, nor i have EVER had a checking account with BOA. 

In ALL of the emails, it stated, If you don't recognize this activity, call us at XXXX. 

The first time I called, after several attempts, I spoke to someone who sent me to the fraud department. When I got to Fraud, the lady flat out told me, we only help customers with BOA accounts, I can't help you. You need to call a different number that can assist you. The number she gave me, XXXX is a third party number that was automated asking if i was over the age of 55 trying to sell me stuff. 

Now, i am over an hour into this and i can't get the BOA number to get me to ANY person because thier automated system ONLY wants to let members call. I am fuming at this point because someone can be opening up credit cards now in my name. FINALLY I get in contact with a banker who " can't '' help me but I was very persistent with what was going on and he graciously asked for my social and saw that I did infact have a account open. When he said he was going to transfer me to the fraud department i told him what happened and he said he would stay on the line with me until they picked up to explain the situation. 40 minutes later the fraud department answered. 

I started my phone calls at XXXX and finally got this account closed at XXXX. 

The person used my XXXX address on the account, I live in XXXX. The emails came to my XXXX but the email on file was not my XXXX  The name on file was not mine, nor was the phone number. Phone number was XXXX, name : XXXX Email : XXXX XXXX
Product: Debt collection

This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 i reached out to experian after a failed identity check through the secretary of state. The agent noticed my social was wrong and my dob. I asked to dispute the information. After disputing and not asking for proper documentation the agent deleted my dob altogether. Now my report is inaccurate further and they are requesting documentation. The erronous information on my report was done by a creditor and not by me.Experian allowed errounous information to be placed on my account without my permission. I tried several times to fix and I was met with unwiilingness to assist me about their errors.
Product: Checking or savings account

The XXXX  customer care team does not accept returned items that are used or damaged, which was the conditions the three pairs of earrings that XXXX XXXX attempted to return. 
Given that XXXX XXXX received a refund for the Leather XXXX XXXX that was in a good, unused condition, despite XXXX  30-day return policy, and XXXX  returned her three pairs of earrings in the same condition as she sent them to XXXX, we view this matter as closed. 
AFTER DUE DILIGENCE I HAVE COME TO THE CONCLUSION IN WHICH THE MERCHANT IS ADMITTING THE RECEIPT BUT NOT BEING ACCOUNTED FOR THE MISSING EARRINGS AND CREDIT AT THIS POINT I NEVER RECEIVED A CREDIT FOR THE RETURNED THREE ( 3 ) PAIR OF EARRINGS WHICH WERE RECEIVED NOR THE EARRINGS BACK WITH THAT SAID I NEED THE EARRINGS BACK OR A CREDIT. AT THIS POINT THE EARRINGS ARE NO LONGER AVAILABLE AT LEAST FROM WEBSITE
Product: Mortgage

The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?
Product: Debt collection

I purchased a grill for my vehicle from a company called XXXX XXXX Im XXXX using XXXX XXXX, A division of Affirm. Order XXXX ( XXXX ) and loan number XXXX ( Affirm/XXXX XXXX ). 

I contacted the company a few days after my mechanic installed the grill due to water in one of the lights on the grill. I was sent two replacement lights. Two weeks ago, all of the lights are filled with water and a fuse was shorted. I contact XXXX XXXX XXXX via email and phone. I then put in a claim and disputed payment resolution to XXXX XXXX XXXX. 

Since affirm forced me to pay them, I now have a broken item and no recourse XXXX XXXX XXXX : XXXX XXXX XXXX You will see that the site is down and the numbers don't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).
Product: Credit card

I am writing to formally file a complaint against Discover Bank for their failure to respond to my repeated requests for financial hardship assistance. Since Monday, XX/XX/year>, I have been calling Discover Banks Executive Office of Customer XXXX at ( XXXX ) XXXX, leaving detailed voicemail messages each day, and sometimes multiple times per day, requesting a call back regarding a financial hardship application. To date, I have not received any response, which I find both unprofessional and concerning. I have explicitly explained my need for financial assistance due to hardship, yet there has been no acknowledgment or communication from Discover Bank. I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, hoping to resolve this issue, but I have yet to receive any resolution. 

I find this lack of response to be discriminatory and unacceptable. As a customer in need, I should have access to available financial assistance programs without being ignored. Discover Banks behavior is a clear failure in providing proper customer service and violates basic expectations of professionalism. 

I request that the CFPB investigate this matter and ensure that Discover Bank properly addresses my request for financial hardship assistance. Thank you for your attention to this complaint. I look forward to hearing from you and receiving a resolution.
Product: Debt collection

Hi i have not been aware of how checking credit works and havent checked my credit in probably 8 years. I just recently downloaded an app called XXXX XXXX   and notice two accounts reporting that i needed more information on to determine if its mines and 100 % correct. I followed the proper protocol by contacting the credit bureaus and when they allegedly verified these accounts i sent 2 letters to XXXX XXXX and XXXX. None of whom responded to me and its been over 30 days. I have a XXXX and my XXXX doesnt always allow me to XXXX XXXX from a long time ago because thats when my accident occurred and if this happened during the time of my accident i was in the hospital for almost a year i would have known.its not fair i couldnt get a response to ease my mind. I am now reading my rights were violated as well as spoken to a FDCPA Attorney as well. I am disappointed And Feel hoplesss that i followed all the right steps and being taken advantage off
Product: Student loan

I graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

nelnet : XXXX  removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW
Product: Credit reporting or other personal consumer reports

I financed my car through Capital One Auto Finance. The car was paid off and the account was closed as paid in full. They sent me a letter thanking me for my business and sent me the car title. However Capital One Auto misreported it as a charge-off with few late payments. I've never received any communication from Capital One Auto. If my account was charged off My car would be reposed. Which is not the case.
Product: Checking or savings account

On XX/XX/2020 I had fraudulent activities on my debit card. I called TD bank to make them aware that I did not make those charges. They told me that I had to wait for the charges to be posted to my account in order for them to dispute them. Their 3rd party fraud department contacted me to let me know that these people are still trying to pull money from my account and asked if I wanted them to block the charges and I told them yes. On the 14th the charges posted and the bank filed a dispute. My account went into - {$90.00} and then I was charged an overdraft fee of {$35.00} which put my account into - {$120.00}. I transferred {$270.00} to my account from XXXX XXXX. When I transferred that money because of the negative balance it took the {$120.00} from the {$270.00} to balance my account. Now today on the XXXX my account was credited the amount that was fraudulent of {$310.00} and the overdraft fee was not credited and the balance from my {$270.00} was not credited. I called the bank and they are rudely telling me that they do not owe me any money.
Product: Debt collection

I had no knowledge of this cat until unexperienced boost and I had a collection deck from XXXX XXXX am I done it was for {$440.00} am I had no knowledge of the deck try to dispute it and it was opened on XXXX of XXXX from probably XXXX XX/XX/2019 XXXX XX/XX/XXXX I was in I was city from all that time I was XXXX  I had XXXX  XXXX XXXX XXXX and XXXX   XXXX and I didnt even get out of bed for 3 1/2 months never left the house we moved from XXXX XXXX  to XXXX Im at three people my husband my stepdaughter and her boyfriend took me to the car never left the houseI didnt know anything about it until I went to collection and it was on my credit report and I disputed it and they say that thats mean its from Jefferson Capitol systems XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending complaints In for a few years. And yet the issues are still happening as we speak. My score from XXXX was XXXX now I dont have a score. Ive been paying XXXX for months to fix my credit. My score for XXXX keeps dropping. How many more complaints must I send in before someone does something about my issues. All these items hospital bills on my credit with very confidential information. I was denied a advancement because of my credit and all the issues Ive continued to report
Product: Debt collection

I started receiving past due notices from XXXX XXXX stating I owed them {$160.00}. I called XXXX because this was in error because I have auto pay on my factual XXXX account. I called XXXX 2 separate times and they told me the fraudulent account would be taken care of. I got a 3rd past due bill from XXXX and I called a 3rd time. I finally demanded to speak to the fraud dept in regards to this. The rep finally told me that he flagged the account as fraudulent and I didn't have to worry any more. Now as of XX/XX/year>, I'm already getting calls from The CBE group and letters saying I owe this bill. I'm reporting XXXX and CBE Group. Previously... .a month ago, I got a letter from XXXX XXXX, stating that they had a security breach and my name and ssn was leaked in the breach. I've already contacted XXXX and let them know my situation and was told they don't have any XXXX account on my XXXX that reflects a past due account with XXXX. I was able to freeze my XXXX. I'm thinking this fraudulent account is the work of scammers, they opened an account in my name with my address and then started sending past due notices to me, and it's weird how the account is maybe 45 days past due and there's a collection agency demanding payment for something that isn't showing up on my credit report?
Product: Credit reporting

I attempted to open an online CD account XXXX ... I had trouble w/their web site, called them ( XXXX XXXX ) got hung up on & locked out of my account before it was established. I was abused w/ " security questions '' then more by EXPERION ( XXXX XXXX ) these were questions from over 20 years ago ( where did I live 20 years ago ... .street address ) I am XXXX do n't remember the number, who would? my XXXX XXXX sored, I got XXXX from disbelief on how I was being treated, no other bank/financial ever put me through this ... .and they ask for is your social security # too much!, I had identity theft because of a bank, this is security abuse and out of controll. Experion has WRONG info, OLD, outdated info & are unresponsive, profiteering & should be put out of business, they also make me carry my X-husbands credit info on my report from 20+ years ago! disriminatory/unfair! XXXX is over kill/abusive in security .... banking/financials/credit reporting/security is OUT of CONTROLL & WRONG! ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX TX XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED IN OPENENING AN ACCOUNT IN MY A FRIVIOULOUS NAME UNDER MY SOCIAL SECURITY NUMBER. I HAVE DISPUTED WITH ALL AND YOU CONTINUE TO COME BACK WITH THE INFORMATION AS VERIFIED ACCURATE WHEN I KNOW IT IS NOT TRUE. I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Please delete this inaccurate information NOW. 
I asked for proof of the debt you claim I owe, and you sent me a basic print out that came from your computer. What happened to the document with my signature on it? I'M a victim of identity theft? This print out does not prove that I owe the debt listed below. 
Because you did not give me the documents requested, you did not prove I owe this debt. If you cant prove it, you cant report to the bureaus. As a result, you must delete this inaccurate item ASAP. If you continue reporting this item, I will continue to file complaints with the various agencies that regulate your organization such as your bond company and your professional insurance. In addition, I will explore all legal options on this matter. 
Im placing your company on notice. If this item is re-reported to the bureaus within the next 60 days or in the future, I will exercise my rights under the FDCPA and the Fair Credit Reporting ACT.Dont take me for granted.
Product: Checking or savings account

I got scammed by someone when trying to make a purchase on XXXX XXXX. I was supposed to be paying a deposit for someone who was selling a XXXX XXXX  He took the money and then blocked me. In XXXX transactions I sent him {$400.00} on XX/XX/23. I filed a complaint with the FTC and they said to be sure to contact the bank to let them know about the fraud so they could assist in getting my funds back. I contacted Chime and they said they would not even file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax declines to forward me any documents bearing my signature from any party involved ; and won't send me name of false verifier either ... I settled debts with original creditor which is XXXX XXXX XXXX, yet the three accounts were still sent to a collection agency ( XXXX XXXX  ) ; and Equifax declines to cease from reporting this inaccurate information and will not remove it ... They are violating F.C.R.A. law and my rights ... I have written and disputed them on three occasions to no avail ... and now I may have to seek litigation against all parties involved, because I can not get any documentation from anyone ... {$120.00}, {$55.00} and {$170.00} are the fraudulent amounts that were paid, but evidently not recorded or something ... I have also reached out to XXXX XXXX XXXX, and was told that XXXX XXXX   should not have an account for me, because it was paid ; so I called XXXX XXXX  and was told that it was nothing they could do, but settle the debt with me, and XXXX XXXX XXXX would not provide me with any documentation to send to them. How unfair and unjust this is!
Product: Credit reporting or other personal consumer reports

I have past due child support payments that were reported in error. The child support was never a contract that I engaged in, nor was it supposed to report to my credit seeing as how no line a credit was issued. This is defined and outlined in XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned account. I understand that, as mandated by law, you are required to investigate and respond to disputes within 30 days. I anticipate your prompt resolution of this issue and request that you provide me with a written confirmation of the correction once the investigation is complete. In addition, I kindly request an updated copy of my credit report reflecting the accurate and corrected information. Your assistance in this matter is essential to ensuring the accuracy of my credit history. These are the accounts that needs to be correct by the Credit Bureaus : 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 a victim of XXXX XXXX XXXX XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )