23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On today XXXX I was at work and I received a phone call from XXXX requesting payment on my account. I just spoke with XXXX on Friday XXXXwhen she called my personal phone telling her I will make a payment on XXXX and I also told her I was at a funeral and I had to go But I will reach back out to them on XXXX. I told XXXX that I have made several request not to be contacted at work and that I am not allowed personal calls she stated " When I called your phone number it said your number has been disconnected " I told her my number is not disconnected and I told her to hang up and call me on my personal phone. I called her back because she never called me, I then called her back on my personal phone and she accused me of blocking the number. I did not block any number and it still stands that I DO NOT WANT TO BE CONTACTED AT WORK!!!! Something need to be done I am reaching out to you as to what is the next step because she was aware I was not to receive calls at work and she called any way. Maybe it is something wrong with they're phone, she should not assumed I blocked her calls, she do not have my permission to call me at work and she need to be handled for this
Product: Credit reporting or other personal consumer reports

Despite my numerous written requests, your organization callously ignores my communications. I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, Acima Credit, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding Acima Credit, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Product: Credit card

My credit card experienced unauthorized charges in XXXX XXXX. Discover did reverse all the charges, however several months after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. The credit bureaus removed this fraud XXXX XXXX address from my reports, and placed a seven year fraud alert on my credit profiles which is done only in cases of ACTUAL identity fraud. Finally, a private investigator went to the fraud address in XXXX XXXX where the goods were apparently shipped, and investigator met with owner/landlord of that property verified that I had no connection to that property, that he had never seen me after being shown my driver 's license, and that I had never rented from him or been anywhere near that property to his knowledge. I went through a thorough review of my Discover account already and on XXXX XXXX, XXXX, Discover 's executive office of consumer advocacy already reinstated my full credit line. 

After all this, Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
Product: Debt collection

XX/XX/2023, the phone number XXXX which comes through as a Potential Spam continues to call my husbands phone number and asks for me, by my nickname, saying that I owe money to a collection. I called the number and spoke to a woman named XXXX. She stated that this company name is Sequium and she had no information in regard to me owing any money using only my name ( again, a nickname ). She asked me for the phone number that they are calling and I would not give it to her. As I told her, " If you pull up my name and show that I do not owe money in collection to someone, then stop calling ''
Product: Credit reporting or other personal consumer reports

I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

On Friday XX/XX/XXXX, my bank account at Huntington Bank had an overdraft of {$4700.00}, and the account was frozen. This was due to a court order. On Monday XXXX XXXX, I attended the court hearing, and the case was dismissed. This is due to no income or assets. The judge ordered my bank account to be unfrozen. 
I understand this takes time. I went to the courthouse on Friday, XXXX, in order to get a certified and sealed copy of the order. I then brought it to the bank and submitted it with the understanding it was being sent to the legal department. On Monday when nothing was done right away, I contacted the bank again. I called the local bank at XXXX XXXX XXXX, XXXX XXXX Il. They assured me that the account would be taken off the hold and funds would be there in the morning. On Tuesday the situation remained. I contacted the XXXX number for the bank. They gave me a number to call. I called it and it was the original creditor. They can't help me ; it is the bank not them, and it is a process. I though she sent me to another department of the bank! I again contacted the bank and demanded to speak with the legal department. I spoke with XXXX in the legal department. I told her this was causing me great harm. She assured me she was on it! After XXXX hours she calls me back and tells me they never got the copy from the local bank. I offered to bring it to the bank. I did, and again the bank emailed the order from the court to the legal department. The person at the bank said it would take minutes and I would have my account back. Today is Wednesday, still no change. I called XXXX, she said it is submitted and she will call me. 
Here is the problem. As the court papers will show I have NO income. The ONLY money I have is my social security. And while I understand freezing someone's bank account through a court order is legal, withholding social security is not. It is a federally protected program. The bank knows this, the court recognizes it, yet I am unable to access the only income I have in the world. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is all happening to me because the bank will not release my federally protected funds. My constitutional rights have been violated since XX/XX/2022, when the social security funds hit my account and the bank withheld the funds from me. 
This needs to go to federal court to stop the banks from doing this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not pay my student loans due to the student loan payment Freeze. XXXX explained my particular federal student loan did not qualify for the payment freeze. They reported me to the credit bureaus. My Credit score went from a XXXX to a XXXX. This type of decrease is unusual for one late payment. I have one other late payment which was 4 years ago. It has been three months of on time payments and the two credit bureaus have reported my credit score at XXXX. Transunion reports my credit score at XXXX. this is a XXXX difference. I wrote the XXXX XXXX XXXX asking transunion for an explanation of the drastic difference. Transunion explained they use different algorithms and I should pay for a copy of my reports to compare. I explained to transunion, I already compared all three credit reports from each bureau and they are all the same. Transunion then said I had high credit card utilization. This is also untrue. All three bureaus show that I use 3 % of my available credit. I currently hold {$85000.00} in available credit and use about $ XXXX {$4000.00} each month.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Debt collection

All we want to know is for whom you bank through. During this crisis only XXXX  XXXX XXXX isn't forgiving and late charges or overcharges during this time of such Pandemic. Who do you bank with and if we're late, are you to forgive such overages and extended interest rates on your end? Please e-mail me, XXXX XXXX, with such specifics. If you do deal with XXXX XXXX XXXX, we'd like to reapply with another firm. 

So honest and true, XXXX XXXX
Product: Mortgage

I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk.
Product: Credit card or prepaid card

I purchased a number of pre-paid XXXX cards, issued by US Bank National Association, on XX/XX/XXXX, at a local grocery chain. My gift giving didn't work out as planned so I had XXXX cards that I now didn't need. I figured I'd pay bills or something with them, but eventually use them up. I thought the money was safe. 
A couple weeks ago, on XX/XX/XXXX, I finally tried using XXXX of them at an antique store and they said my {$500.00} card only had {$20.00} on it. I went home and called the help number and they informed me the card was not registered in my name and a number of purchases were made against the card in late XXXX. Furthermore, XXXX other cards I purchased at the same time had been spent, to some degree or completely, by a thief. They requested I fax in copies of my ID, the receipt for the card 's purchase, images of the cards -front and back- with the ID blown up XXXX XXXX and lightened by XXXX steps. They said I could call back on Monday and the people there could tell me that they've received my paperwork. I complied. 
When I called Monday, the lady said she couldn't see that they had received my fax and, perhaps, I hadn't blown up my license to exactly XXXX XXXX or maybe I hadn't written the card number or the " CID '' number on each and every page of the fax, because with out that, things might get mixed up. I re-sent the fax with blown up license and the CID number on every page of it. I waited XXXX business days, as the lady had suggested this time, and called today, on Monday XX/XX/XXXX. They STILL couldn't tell me if my fax was received, so their investigation could even begin. I presume that if their customers have failed to comply to the letter with some process for which even their own phone attendants are not fully knowledgeable, they just throw away your papers and pretend nothing happened. That's not good enough. 
Sir, or Madam, it's one thing that they insist I use an antiquated technology, the fax, as their preferred means of communication. And, if there had been ANY feedback from them, telling me whether my information was incomplete or too small or not light enough, I'd still be playing along. However, at this point, their apparent apathy toward my very expensive predicament leads me to believe that they are deliberately apathetic and are forcing me to seek satisfaction through some regulatory agency rather than honor the terms of their contract. 
If what our grocery stores are peddling on every isle 's endcap is little more than a plastic pick pocket for which the store or the card issuer aren't willing to take any responsibility, the practice should be outlawed. If they can't, or WON'T, protect the money I trust them to protect, then this product is defective and this company is liable. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Product: Debt collection

I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report.
Product: Mortgage

To whom it my concern, I am submitting a complaint about Dovenmuehl mortgage company, taking money from me outside of our mortgage contract and not, after many months being able to explain why.

Dovenmuehl used to service my mortgage but sold my account to XXXX XXXX in XX/XX/2020. 
I was told to start paying XXXX XXXX each month, which I have faithfully done and continue to pay each month. 
I then had a withdrawal in XXXX from Dovenmuehl for {$1600.00} which non of the " supervisors '' can explain. 
I have spent 2-4 hours on the phone 4 times trying to obtain some sort of resolution to no avail. 
I have also been asked to email a bank statement to show the withdrawal which I have now done 3 times. Being told each time that I will be contacted shortly to resolve the issue.

3-4 months go by before I call and ask " what is happening? '' To which I receive the same run around of a story.
Product: Debt collection

I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on Experian credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the Experian, but miraculously the dispute came back as verified the as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this is the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, instead of sending it via certified mail like the regulation requires. I would really like to know what Experian relied on to verify this account since there is nothing even showing the acct. was verified unless it was forged.
Product: Student loan

Credit Bureau received incorrect information. 
Mohela impacted and reduced my fico score by XXXX points. 
Reported thebincorrect College. I attended XXXX XXXX not XXXX XXXX  I did not request a Student loan XXXX loan with Mohela Student loan was transferred to Mohela without my authorization or my request. 
I called XXXX and my call was automatically routed to Mohela. 
Submitted a XXXX  application and loan was approved on XX/XX/year> therefore, credit should reflect annupdated fico score. 
XXXX reflects 6 missed late payments with Mohela. 
Legal last name should be updated to XXXX. Legal last name remains as XXXX. They have yet to update or make the correct changes. 
Requested correction and to report to XXXX asap This is impacting my current housing application
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/year>