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

I signed up for Unemployment benefits in XXXX of XXXX. A debit card from Bank of America was supposed to be mailed to me then but I never received one. In XX/XX/XXXX my EDD account was temporarily disqualified due to an Identification issue. At the time I didnt have a valid drivers license so it took me a while to verify my self. By XX/XX/XXXX after going through all the hoops and hurtles with EDD my I.D . Was verified and I was able to receive benefits. Upon receiving my first benefits in XXXX of XXXX in check form I was informed that a debit card was sent out in XXXX and I certified for benefits on there and EDD paid Bank of America and from now on my benefits would be paid out in checks. They said I need to contact Bank of America about the money that was put on the card in XXXX I never received. I sat on the phone for hours with Bank of America prepaid and with EDD trying to get this resolved. On one end Bank of America says there is still a block on my account due to my sponsor ( EDD ) and I have to have them lift it. When I speak to EDD they claim theyve reached out multiple times. It nothing has changed. It was {$13000.00} deposited on the debit card to be exact that I never had access to, and this had been going on since XXXX.
Product: Debt collection

I continually get robo calls with the message " Hello, this is Harris and Harris limited. We are debt collectors. Please call us at XXXX XXXX XXXX our office is open Monday through Thursday from XXXX To XXXX Central standard time Friday from XXXX To XXXX Central standard time and Saturday XXXX To XXXX Central standard time. Thank you. '' I do not have any outstanding debts and the caller does not address me by name. This appears to be phishing scheme to capture my phone number for further harassment. How can these calls be stopped. I have been on the Do Not Call list for nearly ten years.
Product: Mortgage

MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY.
Product: Credit card or prepaid card

Chase Credit Card services closed all my credit cards ( total 8 ) on XX/XX/XXXX without any notice. 
When I contacted Chase, they opened a review of this closure but I got a call on XX/XX/XXXX that they standby that decision and they will NOT reinstate none of the credit cards. Reason they gave was : 1. Many opened credit cards 2. Spike in large revolving balance I tried to argue my case that I applied for not more than 5 credit card in last 2 years or so and only recently applied for Chase XXXX credit cards. I am keeping cards ( and paying annual fees ) to increase my average age of accounts. 
I regularly pay my balances on time and has not delayed card card payment even once in entire credit history. 

While I understand that its Chase prerogative to extend credit line to me but I do think that this closure is unfairly done as I have not exhibited any behavior which deserves such an action.
Product: Debt collection

I have received between 5 and 10 calls, every single day for months. I have asked that they stop calling my cell phone, since they are calling so much and the calls just increased. Some of the calls, when answered, just sit quietly and hang up after a minute or so, others they answer the phone screaming and then when you tell them you don't appreciate being called 10 times a day they tell you to " get over it. '' They also call from a different, but similar, number every single time, so trying to block the numbers won't work either. Tonight, I stated that I was going to report them and the woman laughed at me and said " like the government would take the side of someone who owes money over the ones putting money in their pockets. '' I understand I owe a debt, I have lost my job, I have properly communicated this information with XXXX XXXX   per my signed agreement, yet they are literally harassing me all day and night, every single day and night.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/16 I received a call from the Wells Fargo fraud department a lady stated that there was suspicious activity in my account for a {XXXX XXXX  transaction and XXXX for XXXX. She asked if this was me and I said no. She then said ok that she can turn off my card and she will need to send me a new one. She said she needed my access code to do this. I was unaware of my access code so I guess and said my pin and then i said maybe its my last 4 of social security number. She then said my address number so she can send me a new card. She stated XXXX of my previous addresses and I told her it changed and she said in order to update it I had to tell her the verification number through text. She did it XXXX times and I told it to her. She said I would get my new XXXX in XXXX  day. A few minutes later after the phone call I got a text from Wells Fargo to verify account activity and I quickly checked my online banking app and saw XXXX  transactions that were not me. One of {XXXX} that was declined another one of XXXX  and another of XXXX. I turned off my card in the app and quickly called Wells Fargo and told them that was not me doing those transactions. I said that a lady had previously called me stating there was fraud and that she had already turned off my account. The Wells Fargo man on the phone said that my card was turned off and that the transaction probably happened before it was turned off. But I said it was not authorized nor done by me. He said he would send me a new card in XXXX business days and I was asking him why the lady said I would get it in 1 day. I finished the phone call with the Wells Fargo XXXX  and he submitted a claim. I then went to check my email and saw that my withdrawal limit was increased to {XXXX and that was not me authorizing that either. I then realized that the first phone call I received claiming it was Wells Fargo was really not and that I got scammed by them because I gave them my XXXX number thinking that was my XXXX code and because I gave them the XXXX verification numbers that they sent. I quickly called Wells Fargo back stating that I believe the first phone call I got was how I got scammed and the man said that a claim was already opened and that I had to wait XXXX days to hear back. I never heard back from anyone and when I called wells Fargo the claim was already closed and they said it was denied because I authorized it. I never authorized it and it was a scam I was telling them but they said that according to their investigation i cant get my money. No one was able to help me or fix this for me. They all said nothing can be done because their investigation shows no fraud. Someone was claiming to be me at the atm and it was not me. They had my XXXX  number and verification code and they took money from me that was not authorized. I want to see the atm video footage because this was not me and it was not authorized.
Product: Credit reporting or other personal consumer reports

Early Warning Services is continuously reporting fraudulent bank accounts ( a direct result of identity theft ) to my Early Warning Services report. I immediately noticed these unauthorized accounts ( I believe in Septemeber or so of 2023 ) and some fraudulent bank inquiries, and filed an FTC Identity Theft Affidavit, and police report, and submitted the documentation detailing the fraudulent accounts ( all documentation submitted with the dispute is attached below along with this complaint ) that I did not authorize. 

I have the XXXX receipt confirming the delivery of the dispute letters. One was addressed to the CEO himself, and the other to the default Early Warning Services dispute address. Neither letter received a response. And at this point I am running out of options when it comes to remedying this current situation. Unfortunately, since I am clearly the only one that cares ( and also the only one having to experience the effects ), EWS has made it's level of concern regarding this issue very apparent ; to my detriment. 

I would just appreciate not having to continue this process of consistently providing the documentation, confirming identity theft, and to still have to suffer the consequences of some fraudster who obtained my information. It is EWS purpose to protect us ( consumers ) from being affected in situations like this. Yet I have not once received any kind of response from them that was beneficial in some way shape or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXl 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 instruction
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Debt collection

During XXXX and XX/XX/XXXX, and XX/XX/XXXX, I attempted to pay on a negotiated debt settlement with Bank of America through a checking account at XXXX XXXX. I was told by Bank of America that XXXX times it attempted to acquire the funds via an XXXX debit, which was a fabrication, as XXXX replied that BofA used electronic checks with me as signatory to request payment, which XXXX does not honor. After speaking to a litany of BofA employees over a period of approximately XXXX weeks, who relayed false information, at the suggestion of a XXXX worker I moved the funds to another checking account to avoid future problems, then informed BofA of the change, requesting payment come from that account. For the fourth time BofA charged the original account in the same way, electronic check, while insisting it was an XXXX transfer, and once more, the attempt was rejected. Neither Bank of America or XXXX informed me these actions occurred, resulting in a long delay of my knowledge of them with attempts to rectify the situation to no avail. It resulted in a pattern of contact with both banks, even once a XXXX way call in which XXXX dept employees of both banks blamed each other for the problem. They left me, as the customer, at an impasse and with no recourse.
Product: Debt collection

Hi I went to the XXXX XXXX with a severe emergency on XX/XX/XXXX, I was covered for the no surprised act, XXXX XXXX never try to negotiate my bill, not only they charged me a ridiculous amount of a huge bill, they treated me without respect disrespecting me and discrimination by my XXXX group, now I have a bill from NORTH AMERICAN CREDIT SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For {$2900.00} which should have been settled. Please help me out im currently pregnant and this is not fair for my family, being lied to by medical professionals and medical collectors. I know my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent out a dispute letter in reference to Macys account. I received no response. I sent out a Cease and Desist prior to XX/XX/XXXX and Macys representatives continued to call me. 
On XX/XX/XXXX I sent a letter to Macys Vice President & Assistant General Counsel disputing the same account and did not receive a response. 
On XX/XX/XXXX I wrote and email attempting to have this account closed due to macys error and the representative apologized and offered late fees to be removed. I asked again for the alleged debt to be validated and received no validation. 
On XX/XX/XXXX I sent a follow up email in reference to me and my telephone number being on the do not call registry since XX/XX/XXXX and received no response. In this letter I provided pictures of the numerous calls I received all hours of the say as well as the messages left. 
A few of the calls I was able to obtain were on the following dates : XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX and many other calls. All of these calls were after the Cease and Desist was sent as well as after my registry on the Do Not Call Registry on XX/XX/XXXX.
Product: Credit card

I opened a secured credit card with Capital One which required an initial deposit of {$49.00}. Several months have now passed, and I have established credit with them ( my credit line was increased to {$500.00} on the secured card and I was since approved for a second Capital One card with a newly-increased credit limit of {$3000.00} ). I contacted Capital One today to find out about getting my deposit of {$49.00} refunded on the secured credit card. They said the only way to get it refunded is to CLOSE the account! Here is the link where people sign up and it clearly says your deposit is REFUNDABLE based upon credit worthiness. I 've clearly proven my credit worthiness, as they have increased my credit line on XXXX separate accounts substantially. I was told today by a Supervisor at Capital One that the only way to get the initial {$49.00} deposit refunded is to CLOSE THE ACCOUNT. Nowhere in the application process/selling of this product does it say you 'd have to close the account to get the deposit back. Here 's the link to the website where it clearly advertises that your deposit is REFUNDABLE : XXXX Here 's what it says : " Security Deposit and Credit Line {$49.00}, {$99.00} or {$200.00} refundable minimum security deposit, based on creditworthiness. Minimum required security deposit gets you a {$200.00} initial line. Deposit more than the minimum required security deposit before your account opens to get a higher initial credit line, up to {$3000.00}. '' I believe Capital One 's failure to clearly disclose this requirement of requiring a person to close the account ( honestly, why in the world would we? ) to get the deposit back is fraudulent. I would like to receive a refund of my {$49.00} deposit WITHOUT closing the account, and I would like disciplinary action to be taken against Capital One for this clearly fraudulent act.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I purchased a car and had a loan through XXXX XXXX. This car was totaled in XX/XX/XXXX. I reported this to my insurance and XXXX XXXX. I had GAP insurance included in my loan. I spoke to a XXXX XXXX representative, and they told me my loan would be completely taken care of via my GAP. XXXX XXXX then called in XXXX of XXXX, stating that I owed them {$650.00} for 2 months worth of missed payments for XXXX and XXXX of XXXX. When I spoke to their representative and explained that I had spoken to a different representative immediately after my accident and that they had told me my loan would be completely taken care of by my GAP, the new representative told me there was no notes in the record that I had reported the car totaled. This call came two weeks after I'd received a notification with a copy of the check that had been issued to XXXX XXXX services, showing XXXX had acknowledged receipt. I forwarded a copy of this letter to XXXX XXXX and the negative credit report was then removed from my record. 
While reviewing my credit report in XXXX of XXXX, I saw that the XXXX XXXX loan and been re-opened for being {$650.00} delinquent. I had previously disputed the information as being incorrect, in XXXX. It was not removed from my credit report, in XXXX and deemed valid, even after previously being closed. Now, as of XXXX, my credit report is showing that I currently have XXXX missed payments to XXXX XXXX for XXXX of XXXX through XXXX of XXXX. This has shown up on my credit report in the last XXXX  days. This is falsification of my credit and has impacted my score. This is why I have not contacted the company or the credit bureaus. I have previously attempted disputes and written letters, to no avail. Therefore, I am now submitting a formal complaint.
Product: Student loan

In XX/XX/year>, I was placed on a plan to reduce my monthly payments due to financial constraints. However, I noticed that my payments were not deducted from my account in XXXX and XXXX. Upon calling in XXXX, I was informed that the issue stemmed from an incorrect account number on file, which was subsequently updated. 
Despite this correction, my account status continued to show late payments, adversely affecting my credit score. I reached out again to request a resolution. The manager I spoke with acknowledged that this situation was not my fault and indicated it was an internal issue. She assured me that she would follow up within five days, but I did not receive a callback. 
On XX/XX/year>, I called again and was informed that my XXXX payment was marked overdue, although it had been deducted from my account, along with my XXXX payment. Currently, I am on the phone with a XXXX from the escalation team who stated she would return my call. She could not explain why my payments failed to process correctly, despite the account information being accurate. 
I have been addressing this issue for two months and am increasingly frustrated. The latest explanation suggests a problem with my checking account, despite having other loans successfully deducted from it. They have claimed that my checking account is not valid and instructed me to upload my bank information for verification.

For further assistance, I have been given the callback number for Sallie Mae : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, i recently start to notice unusual activity on my account for example i have ( XXXX  credit account ) which is still open however in equifax report it said its closed!!!, also i found some disputes & remarks have been added lately which i never did, also it said that ( XXXX credit ) increased by XXXX $ which is not true because it didn't increase and i didn't use it for months, someone is using my equifax credit, kindly investigate it Regards XXXX XXXX XXXX Or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did a major violation of my rights under the FCRA by changing and/or illegally updating the date of status and date of first reported on XXXX XXXX XXXX XXXX  XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company didn't provide a legitimate consideration or accounting request. A mortgage contract requires both parties signatures they never signed with a wet signature