23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call on XX/XX/2018 by a woman named XXXX at my place of employment. I asked her to not call me at work as I am not allowed to have personal calls. I provided her with my cell phone number and told her to call there. 

On XX/XX/2018 today around XXXX she called my cell phone with company Financial Account Services in XXXX from telephone number XXXX and then called my place of employment again. I immediately informed her that I had already told her not to call my place of employment and that I gave her my cell phone number. She then stated, " but you never answer or call me back. '' I then replied, that is what voice mail is for. Again she reiterated that I dont return her calls. She then says, okay well I will be sending this file up for other more severe actions and ended the call. 

About 15 minutes later I called the company back to make a formal complaint. A woman answered and did not give me her name. I stated that I wanted to make a formal complaint about an employee calling me at work. 

She transferred me to an older man. I told them what had happened and he did not in the least seem to care. I told him that they were more than welcome to call my cell phone and he interrupted me and started, " oh we wont be doing that any longer, now we are getting an affadavit and the next time we contact you will be through a summons to court. '' I then told the man that I had not received anything that his company had been sending and he became very sarcastic and said that is surprising considering that we mailed out a letter in XXXX. I replied that he will need to verify that this is indeed my debt because I didnt know what debt he was referring to. He stated that his company does not have to verify anything with me. 

At that point I told him that i would be seeking legal counsel. At this point this company seems shoddy in its business practices. I understand they have a job but they caused me distress at my place of employment by calling there when I had already asked them not to, the man refused to acknowledge any part on the verification and legitimacy of the debt, and threatened me when I advised that he could call my cell phone.
Product: Credit card

Amazon syncphony bank credit cards company have raised the interest on my credit twice without notice this change was added to my bill. I am filing this compliant because I am an old customer so if any changes had to take place it should be with new customer. Credit card company states over the telephone to file an compliant because Ftc raised the interest. Also, I did not receive a bill at all in 2015 and my bill was only on time which is due every XXXX day of the month. The bank reimbursed XXXX late charges in XXXX/XXXX/2015 in the amount of {$55.00}. I made numerous compliant to resolve this situation so I am contacting you because the are several more reimbursement which they fail to reimburse so I need your help as well. On XXXX XXXX, 2015 {$25.00}, XXXX XXXX, 2015 {$25.00} also overlimit fee {$35.00}, XXXX 2015 {$35.00} in total in fees {$120.00} needs to deducted from my credit cards late fee. In XXXX 2015 on my bill there is a {$45.00} which I did not order In my daughter and I was in XXXX XXXX from XXXX XXXX, 2015 until XXXX XXXX, 2015 due to water damage at my house. My temporary address XXXX XXXX, XXXX, SC XXXX why would I purchase anything online. In XXXX XXXX, 2015 I purchase XXXX XXXX dinnerware for XXXX the shipped arrived the entire purchase was destroy in tiny pieces so I could not send them back and I made amazon aware of situation and no refund was given in the amount of {$39.00} XXXX. 

My credit card bill should refunded in the amount {$200.00} plus interest. The old interest was 25.99 % and now it is 26.24 %. I am glad I closed my account and I will rid this card shortly. 
My bill was always paid in a timely manner, no late or over the limit fees.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - I opened up a case within CashApp support, this is when I was first told my account was paused. They stated they would transfer me to the specialized team, which could take up to XXXX business days to get back to me. Case number : XXXX XX/XX/year> - I received a direct deposit from my employer of {$310.00}, making my cash balance {$320.00} due to the money I had left over in my account. 

XX/XX/year> - I immediately got into contact CashApp support through the app first, I was speaking with an advocate who told me my account was closed. In CashApps ' handbook, it states that upon a closed account I will still be able to withdraw my funds, so I was confused because I couldn't. The advocate kept giving me the same calculated response on the terms of a closed account instead of trying to help me, eventually she ended the conversation. 

So, I called them instead, it was interesting because the advocate on the phone told me my account was frozen even though I was just told it was closed. CashApp doesn't really have any policies on a frozen account, it does state that within 24-48hours my account would be back but I opened up the case on this XX/XX/XXXX, yet I still have gotten no clarification. Basically, the advocate on the phone told me since my account is " frozen '' I can not withdraw MY money and I have to leave it to the specialized team to contact me. They said up to 10 business days and my case has already been extended to them XX/XX/XXXX, today marks the 10th day and still nothing. 

I feel I have been very patient with CashApp, however I am already finically struggling. I can not afford to wait another 10 business days for my funds. Please help.
Product: Debt collection

i gave a vehicle away signed a bill of sale and turned in a release of liability to the dmv 6 plus years after i have a report on my XXXX that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
Product: Debt collection

Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am reporting inaccurate and incomplete information regarding several XXXX XXXX XXXX  on my credit report. The Department of EducationXXXX XXXX were closed and transferred in XX/XX/XXXX, yet they lack essential details such as payment history, last payment received, and specific servicer information. 

These accounts were reported with only basic details ( open date, original balance, and account type ), but crucial information is missing. Despite my previous dispute with the credit bureaus on XX/XX/XXXX, they were marked as verified without providing the missing details necessary for complete reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit information should be accurate, complete, and verifiable. I am requesting that these accounts be properly verified with all necessary information or removed from my credit report if verification can not be provided. The credit bureaus should have removed these accounts if they could not verify them fully. 

I am seeking assistance from the CFPB to ensure that the credit reporting agencies and the original creditor comply with FCRA regulations by either providing complete information or removing the accounts entirely. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable information, or unverifiable accounts resolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged systemic issues, such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses, failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I NOTICED SOME FRAUD INQURIES THAT I DIDNT APPLY FOR I HAVE NO OPEN ACCOUNT WITH THESE BANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank, who arbitrarily and capriciously closed my checking ( 2 ) and credit card account effective XX/XX/XXXX, due to retaliation for complaining of discrimination when the VP of the XXXX, Illinois branch treated and proceeded to call the police on me instead of directing me to file a complaint with Chase Executive Offices regard XXXX XXXX, whom discriminated against me in their store, who agreed to waive all fees and deposits associated with a tiller rental, but then decided to bill my checking account for {$50.00} and {$150.00}, in which only {$150.00} was returned in a timely manner. The VP XXXX XXXX. She lied yo the police and accused me of using 'racial slurs ' when that was not turn, and the officer refused to review the security footage which shows me leaving the bank. XXXX did not put me on a no-tresspass list at the time ; however, after filing a complaint against her with Chase Executuve office , I was informed on XX/XX/XXXX after discovering my credit card account was closed and I was unable to get funds from my account at the bank, that they were closing all of my account XX/XX/XXXX, though the took steps to restrict access to my account and close two of the three of my accounts prior to that date. This is summarized in a previous complaint : XXXX. 

However, since the first complaint, XXXX discovered that Chase not only had been illegally monitoring my account, but comprised my personal information when they alerted me in XX/XX/XXXX that my information had been released on the dark web, in an attempt to further harass me and cause me distress, as Chase had no business monitoring any of my accounts if we no longer have a banking relationship and most likely released this information themselves due to further retaliation, since they never provided me an opportunity to enter into a repayment plan for my credit card account, which stayed open until they charged it off on XX/XX/XXXX, and they reported my late to the credit bureau for six months. They kept assessing late fees which made it hard to pay my bill, and would not allow me to enter into a repayment plan. XXXX had never been late on her credit card payment in the nine years she has had her credit card with Chase, and has damaged credit as a result of their bad faith, and mailcious retaliation for complaining about discrimination ( 'banking while XXXX ' ), at their branch by their VP XXXX XXXX .
Product: Debt collection

I paid a settlement with Bank of America several years ago and they have recently tried to take out a garnishment from an old bank account I no longer use, this debt was settled a long time ago.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 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 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 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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/20, I purchased an XXXX gift card for {$500.00} which I sent to a client a few days later. The card arrived unopened and intact with no signs of having been tampered with. On XX/XX/20, my client emailed saying he was about to use the card and when he had checked the card balance on the XXXX website, it showed someone had stolen {$490.00} from the card on XX/XX/20 leaving a balance on the card of {$5.00}. The client printed out and provided to me the activity for that gift card showing the card purchase and the unauthorized disbursement of gift card funds. It shows someone with a PayPal account in the name of XXXX XXXX stole the money and passed it through PayPal. He also emailed photos of the card and the card envelope. See attached. I have also attached the receipt for the purchase to cross-reference the card information on the package to the card information the receipt. 

on XX/XX/20, I contacted XXXX who said I must contact PayPal for any help recovering the stolen funds since they were " laundered '' through PayPal by the thief. 

Beginning XX/XX/20 and multiple times since up to XX/XX/20, I have emailed and left written messages on PayPal 's " Message Center '' explaining that theft/fraud had been committed against me by one of their users using their payment system and asking them for a response. PayPal has provided NO RESPONSE. 

I have also called multiple times to the PayPal phone number posted on their website and on the printout of the XXXX card activity - XXXX. Each time, after going through the lengthy phone menu to try to speak to someone at PayPal, a phone messages says there is no one available to service this call now and the call disconnects. 

I want PayPal to take responsibility for ... 1 ) the fraudulent use of their system by one of their users ( the thief who stole my and my client 's gift card funds ) and ... 2 ) their failure to provide to me any response to my repeated requests for help and ... 3 ) to recover the gift card funds from their account holder who stole them and reimburse those funds in full to me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple fraudulent accounts and unauthorized inquiries that have appeared on my credit reports due to identity theft. Despite my repeated attempts to resolve these issues directly with the credit bureaus, these fraudulent accounts remain unresolved and continue to severely impact my credit score and financial standing. 

Summary of Fraudulent Accounts and Inquiries Being Disputed : XXXX : XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$28000.00} Status : Derogatory XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Status : Disputed XXXX. XXXX, XXXX. 

Account # : XXXX Status : Disputed 4. Inquiries XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Card Date : XX/XX/XXXX Experian : XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280000.00} Status : Disputed XXXX. Reprise Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed XXXX. XXXX XXXX XXXX Card Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed XXXX : XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Status : Disputed XXXX. Reprise Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed XXXX. XXXX XXXX  Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 6. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Actions Taken : I have filed disputes with XXXX, Experian, and XXXX and submitted necessary documentation, including a police report and an FTC Identity Theft Report, proving these accounts and inquiries were the result of identity theft. 
Despite my efforts, these fraudulent accounts and inquiries continue to remain on my credit report, causing extensive damage to my credit profile.
Product: Debt collection

Noticed this account added to my consumer report, tried to contact the debt collector by mail requesting validation and didn't received any response, reached out to the credit bureaus ( started a dispute with XXXX ) 3 days later came back verified yet not method of verification hasn't been provided by any party. Today noticed the same account, amount and collection agency listed twice under the same XXXX report ( XXXX XXXX ) which is a violation under the FCRA.
Product: Money transfer, virtual currency, or money service

BBVA recently acquired my previous bank, Simple on XXXX. I had tried removing my funds prior to this from Simple, but they had locked all funds from being transferred. On XX/XX/XXXX I began the process of transferring my funds from BBVA to another account, so I could close that account. On that day, I initiated a transfer of the maximum amount, {$5000.00}. I was told that this transfer would take 2 days to complete. Today, XX/XX/XXXX after 9 days have passed, this transfer is still showing up as " under review ''. I simply want to remove my funds from this bank I didn't choose and close the account, however for the last 4 days of calling this banks customer service line, I have received no help or solutions. I'll either spend hours waiting on the call line to get hung up on, or have to speak to someone that seems to have no clue what's going on. At this point, I feel like I'm being held financially XXXX by this unsolicited bank. I'm just lucky that I was able to set up my direct deposit to my new bank and transfer some small amounts to keep me afloat. I will here on out advise anyone I know to stay away from this bank. It seems to me what they're doing right now, is not only bad business, but frankly, it shouldn't be legal.
Product: Mortgage

I filed an insurance claim and my insurance company paid {$81000.00} for damage to my home. They included Newrez on the  check with me, since we both have an interest in the property. NewRez asked me for documents to verify that I have completed the work that I'd like to collect the funds on. I sent all of the requested docs. NewRez never called, so I followed up and they said I only needed a license for the contractor I used and they'd release the funds. I got the license and sent that in. NewRez sent an email saying they were processing the paperwork, but never followed up again. 
So I called and then they told me that the documents I sent before I sent the license are not correct now. They didn't bother to tell me that weeks prior when I followed up and only mentioned I needed a license. So I paid for all of this work to be done and they are still holding 100 % of the funds months later, as I pay interest. Also, I own about 25 % of value of the home, so there's no reason they should be holding every penny of the amount given. 
They were not satisfied with the paperwork, so they asked me to follow up with the contractor again only after I called again. 
NewREz is clearly holding the money hostage. They make no effort to do anything unless I call them, and every time I call them they need more documentation or they tell me something isn't right. 
I asked about the interest on the money that I'm paying and they're collecting while holding it and they only tell me that I can get what's in the account only. So they're profitting while I'm out of pocket as they hold the money hostage. 
I informed them that I'd file a formal complaint and then they said they'll get someone out right away for an inspection. This company is ruthless and leave people hanging as they profit. If this is typical of their business plan they should be looked into.