23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Update of Personal Information Dear Sir/Madam, I believe I was a victim of Identity Theft. Ive noticed some personal information on my credit report that does not belong to me. I am writing to request an update to my personal information on my credit report. Please find below the details of information I need updated : **Old Information : ** -Name : XXXX XXXX ( REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX, XXXX TN XXXX XXXX REMOVE FROM REPORT ) -Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ( REMOVE FROM REPORT ) -Phone Number : ( XXXX ) XXXX ( REMOVE FROM REPORT ) **New Information : ** -Name : XXXX XXXX XXXX ( KEEP ON REPORT ) -Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ON REPORT ) -Phone Number : ( XXXX ) XXXX ( KEEP ON REPORT ) PERSONAL STATEMENT : Im a victim of Identity theft, there is accounts and personal information details ( Including My Name and Address ) that DO NOT belong to me. I need these items removed/updated to the correct info Immediatley ; Ive listed them here : Name : XXXX XXXX ( REMOVE FROM REPORT ), Addresses : XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX, TN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( REMOVE ALL THESE ADDRESSES IMMEDIATLEY ).. Phone Number : ( XXXX ) XXXX ( REMOVE ). ALL OF THIS INFORMATION IS INACCURATE AND DOES NOT BELONG TO ME AT ALL. IT NEED TO BE REMOVED AND UPDATED TO THE CORRECT INFORMATION. THE ONLY INFORMATION THAT SHOUKD BE REPORTING IS : Name : XXXX XXXX XXXX ( KEEP ), Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX ( KEEP ), Phone Number : ( XXXX ) XXXX ( KEEP ). ANY INFORMATION THAT DOES NOT MATCH THAT NEEDS TO BE REMOVED AS IT IS FRAUDULENT. 

Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Paystub, Utility Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX -DOB : XX/XX/XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Credit card or prepaid card

I made a purchase on my Chase credit card that was flagged for fraud.
I received an email from Chase that asked if I recognized the charge with the following language under the yes section : Do you recognize this charge?
Yes - Your card remains active.
- If a purchase was declined, you will not be charged unless you try again.
The charge was for a different amount than the merchant bill and as soon as I saw the fraud flag I believed the merchant was not legitimate but I clicked yes as I did recognize the charge and still had the card in my possession relying on the following language " If a purchase was declined, you will not be charged unless you try again. ".
Later that night this merchant put through a charge for a different amount with no additional action on my part and Chase allowed the purchase to proceed.
Product: Credit card or prepaid card

A fraudulent credit account with SAMs Club was taken out in my name. As of XX/XX/XXXX, it is in collections ( see attached ). I did have a SAMs Club credit account, but this was closed in XXXX ( see attached ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment. 

I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for. 

My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation. 

Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them. 

In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts. 

Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now. 

XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt. 

I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt. 

Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

XXXX XXXX XXXX : has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions. 
15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XX/XX/XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Product: Checking or savings account

I wrote a letter on XX/XX/2023 to Apple Bank after not being able to get through to them either by phone or website. It is attached below. I have gotten no response. 

I have had a number of IRA CDs with Apple Bank that have been renewing for about 40 years. After trying in vain to reach the bank by phone or on the website in order to roll over these accounts into my XXXX retirement account, I wrote a letter. As with the other avenues of contact, this one too seems to be inaccessible. They have not responded to my letter just as they have not picked up the phone ( their service is absolutely impossible ). I have spent hours during the day holding on or on a waiting list for for call backs to no avail. I have a similar issue with the website, which will not accept my credentials. In the meantime, they send me notices about the automatic renewal of my CDs, which are at very low interest rates. This is an unfair and unacceptable banking practice. I dont understand how a bank can legitimately function this way. I have not been able to roll over these accounts, and now I want to cancel the accounts altogether, but can not get in touch with APPLE BANK to do so. I'm beginning to suspect some kind of fraud. 

I wish to close out my accounts as soon as possible. I do not wish to keep my funds in a bank with no possibility of customer contact and I believe this should be illegal.
Product: Debt collection

AFTER CHECKING MY CREDIT REPORTS I DISCOEVERED THAT XXXX HAD REPORTED DEBTS OF SERVICE IN ANOTHER STATE WHERE I PREVIOUSLY LIVED. I CONTACTED THE SERVICE PROVIDER AND THEY INDICATED THAT THEY WERE COLLECTING A DEBT FROM FIVE YEARS AGO. DURING THE DISCUSSION THE XXXX REPRESENTATIVE STATED THAT THE COMPANY HAD NO OBLIGATION TO PROVIDE ME A FINAL BILL OR ANY INDICATION OF THE EXISTENCE OF THE DEBT PRIOR TO THE COLLECTION. THE COMPANY WAS INFORMED THAT SINCE XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT AND REQUIRED SUCH INFORMATION TO BE PROVIDED IN TIMELY MANNER TO AVOID THESES SITUATIONS. THE REPRESENTATIVE STATED IT WAS A " COURTESY '' FOR EVERSOURE TO PROVIDE NOTICES OF ALLEGED DEBTS AND WAS NOT OBLIGATED. 

EVERSOURCE VIOLATED FAIR CREDIT LAW INCLUDING THE FOLLOWING : Debt collector communications concerning identity theft. If a person acting as a debt collector ( as that term is defined in title VIII ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be  the result of identity theft, that person shall ( 1 )  notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two XXXX XXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.
Product: Checking or savings account

I used the online service XXXX to file my taxes. The only way to get the money directly was to set up a credit, money account that XXXX recommended. I received my tax return into that account and used their parameters to start withdrawing the money. On XX/XX/XXXX credit Karma contacted me and asked if I had made, an online purchase for over {$2000.00}. I said no and they said they were shutting the account down. They deactivated the card and said they would send out a new one. After this phone call, they continued to allow someone to access the account and drain it of over {$2300.00} plus set up XXXX withdrawals from my bank account to them. They allowed this person to change the bank account, routing number, phone number, address, all of my personal information that was connected to this account was changed. I filed a dispute that same day and Credit Karma has never once reached out to me. I have called them over and over again and they will not respond except to put the money back into that same account which I can not access. Ive had to close my bank account and change my phone number to stop this from continuing to access my information. My last phone call with Credit Karma today was that they Needed an additional XXXX more days before they could answer how I could access my own money. Ive also spoken to XXXX because I believe that it may have been through them that the hack occurred, before I got my tax return. They sent me a notification saying someone had tried to access my account. I shut that down and change the password, but I am not sure where the breach came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to fight this due to the fact that I am never late on this account for whatever reason they did not process the payment for that month and as a result they have sent it to collections but I still have the credit with the company.
Product: Debt collection

I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, XXXX, AND EQUIFAX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

validation of debt-Ask for cease and desist of phone calls. Have kept records of calls. Continue to call on daily basis. Have explained husband is on XXXX and I am on Soc. Sec. Only income. have XXXX XXXX. Unable to work. They will not send a validation of debt.
Product: Checking or savings account

The year of 2021 included a total amount of XXXX $ in overdraft fees. Wells Fargo refused to reimbursement these amounts.
Product: Credit card or prepaid card

I applied for an unsecured credit card with Discover in XXXX of XXXX that they advertise that if you make your payments on time for 6 months you will receive your deposit back with a possible increase of a credit line. I have made my payments on time ( sometimes 2 and 3 times a month ) for about 16 months and have not received my deposit back. I called XXXX on Monday XX/XX/XXXX and was transferred to a supervisor. I spoke with him and told him the situation and I ask why I haven't received my deposit back when I had made all my payments on time for 16 months. He said he would send a request for information and to call XXXX in XXXX hours and I would be told what is going on with my account. I called today XX/XX/XXXX well over the 48 hour mark and I spoke with a supervisor named " XXXX ''. She said they are unable to tell me why this is happening to my account and that the previous supervisor did not put a request in and she could be of no help to me. I then called the cooperate office for Discover at XXXX and I was told again there was nothing they can do to check my account to see why this is happening and why the system review is not working for my account they they have no back up reviewing system in place if this is happening to their customers. I believe this is false advertising and I have done everything I needed to do in order to get my security deposit back and the system is not working. I am attaching a copy of my transaction history for the account to show that the payments were made on time well over the 6 month limit. My payment amount is usually {$20.00} a month unless the balance is less as you can see I also have made more then the monthly required payment. I have also paid my car loan on time or earlier. The site also mentions monthly reviews, it doesn't mention if those reviews are completed my AI technology or human. As far as my credit score it has not dropped since I started using the card so I don't think this would be a factor either.
Product: Mortgage

XX/XX/XXXX, I again contacted PHH Mortgage after they did not call me back within 48 hours as promised during the hour and a half phone call with them on XX/XX/XXXX. Many times during the phone calls I requested of them to accept my XX/XX/XXXX mortgage payment. They kept refusing to accept my XX/XX/XXXX mortgage payment and demanded that I must first pay in full the deferred amounts under the forbearance plan. As shown on the PHH Mortgage website, they will CALL me before the end of the forbearance plan to discuss all options. My forbearance plan ended XXXX XX/XX/XXXX as agreed by PHH Mortgage and myself. They never called me and they now refuse the forbearance amount being placed onto the end of the loan as they previously agreed to. 
During todays phone call I asked a question I already knew, Who Backs My Mortgage. After demanding the proper answer, I was informed my mortgage is backed by XXXX XXXX. I was then informed ; Our investors are not approving your forbearance amount to be placed onto the end of the loan. XXXX XXXX website in big bold letters says ; You dont have to repay the forbearance amount all at once upon completion of your forbearance plan : Get the facts. This matter is extremely important and urgent because of the false information PHH Mortgage is tell the American people. This is nothing but a unlawful money grab taking advantage of XXXX XXXXXXXX and others who have extensive equity who may not be able to defend themselves from the unlawful acts being committed by PHH Mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX XXXX to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.
Product: Student loan

I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX due to my retirement i moved from XXXX, texas to XXXX, tx. in XXXX i had XXXX XXXX.upon moving to my present address XXXX XXXX XXXX XXXX XXXX, tx., my land lord would NOT allow me to place an antenna on rooftop.I returned ALL equipment and cable boxes and now i am in collections with XXXX for {$320.00} for monies due???!!! i have been trying to get trans union to investigate since XX/XX/XXXX and still nothing!!!
Product: Credit card

WHAT HAPPENED I applied for an Apple Card on XX/XX/XXXX on my iPhone and provided a copy of my state identification card. I got an email the following day stating that my application was denied because " we are unable to verify your identification information ''. I checked the information and applied again on XXXX with the same result. 
I called Apple Card support ( XXXX ) on XXXX to find out what was wrong ( I have a XXXX XXXX so gave permission for my husband to speak for me ). The representative told me to check that all my information was correct ( on my iPhone, Apple ID etc ) and be careful with uploading my ID card. I tried again using the Apple website and again got the " unable to verify '' email. 
My husband and I carefully checked our credit reports at all three credit bureau ( XXXX, XXXX XXXX XXXX ). All our information was correct. The only possible problem could be that XXXX had our previous apartment number as current despite also listing the more recent unit ( we moved within the same building one year ago ). We contacted XXXX to make this correction. 
Before applying again on XX/XX/XXXX, I called Apple to check if it was OK to proceed. The rep encouraged me to do so but my application was again denied because " You have applied a number of times and we can not verify the information you have provided at this time ''. I called back and was told that I should wait a couple of days and then apply again. 
To be safe, I waited until XX/XX/XXXX before applying again but was again got the " ... number of times ... '' email. I called Apple again to ask why this had happened after I had carefully followed their instructions. The rep said that she would transfer me to Apple ( XXXX ) to get help with the identification process. The new rep said she was with Apple support, didn't know why I'd been sent to her, and would transfer me to " Goldman-Sachs XXXX XXXX In fact, this was back to Apple Card because, while the reps pretend they're speaking for the bank, they don't! This time, the rep told me that I should wait for 2-3 weeks before applying again. I asked to speak with a supervisor and explained the situation but was told she could do nothing. 
MY COMPLAINT Apple Card 's automated application system is like playing the lottery. Their representatives can not help and so are restricted to giving tips rather than providing factual advice to help customers solve problems that may occur. I was not told why my identification was unsuccessful, encouraged to try multiple times, and then prevented from applying again due to an unrevealed limit. This is not the way a serious and fair bank should operate. 
My husband applied in XXXX and was approved within minutes! We have the same addresses, high credit scores and income so why should I have so much trouble?