23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their TD Bank check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a XXXX account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because TD Bank took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Debt collection

On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is  attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. 

I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. 

As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect.
Product: Debt collection

I had XXXX XX/XX/XXXX and XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX. I am a self pay XXXX. I was required to pay the facility charge as well as the XXXX bill up front prior to treatment. XX/XX/XXXX, I paid XXXX {$1500.00} for the XXXX XXXX, and {$1000.00} XX/XX/XXXX for the XXXX XXXX. I received a statement in XX/XX/XXXX for a bill for XXXX XXXX saying I owed {$1100.00} for the XXXX XXXX XXXX. I called XX/XX/XXXX to tell them this bill was prepaid and they needed to call XXXX for the money. I also called XXXX and was told I had a XXXX balance and do not worry about the statement. I received another statement dated XX/XX/XXXX for the same bill in early XXXX. I sent a letter to XXXX along with a copy of the payment to XXXX as proof and asked them to correct their records. I started to receive calls from MiraMed who I have no knowledge of and believed it was a scam. I have no past due XXXX bills. XX/XX/XXXX I received a call from XXXX. Message said I have a past due bill and call with a CC # to pay or ignore if I paid. I ignored as I had paid. XX/XX/XXXX, XXXX, XX/XX/XXXX, MiraMed left messages again. I called XXXX at XXXX and left a message saying I was tired of being harassed about a bill that was paid LONG ago. Today, I received a letter from MiraMed who is a Debt Collector trying to collect {$1100.00} for XXXX XXXX and {$1600.00} for XXXX XXXX. I was told by XXXX XXXX of XXXX on XX/XX/XXXX when I was called, that the bills were paid and I would be sent a paid in full receipt by Monday XX/XX/XXXX as their system IT was not functioning. I sent her an email today stating I had not received as promised. How do I get them off my back and out of a debt collector???
Product: Debt collection

I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to lower my score from XXXX to now XXXX and I have paid all creditors off and or timely the last year. I have now new collections and a mortgage farmed my mortgage out to XXXX companies last year whic didn't do soft rather hard pulls which was detrimental as well. 
They dropped me XXXX points due to my XXXX at 50 % available yet I pay the card off monthly in being cycles.
Product: Mortgage

On XX/XX/XXXX i refinanced and paid Citizens bank in full for my first mortgage and homeEQ account. 

At that time The account was closed and i was unable to draw any money from this home equity account. 

I noticed in the coming months that the home EQ account was still showing in my profile but i didn't think anything of it because it has XXXX balance and no interest was being charged. 

I XX/XX/XXXX i received a notice that i needed to pay XXXX to close the account which i paid. XX/XX/XXXX In XX/XX/XXXX i get a notice that XXXX was charged to my account. I called to find out what is going on and after multiple days of being left on hold transferred to multiple departments i was told that they need flood insurance for this loan and the added a forced policy. I explained that the loan was paid and it has XXXX balance and i am unable to use the line of credit because it is closed. They told me they see the issue and will reverse the charges. 

Now in XXXX i get a bill in the mail for interest on the XXXX and a request for another XXXX dollars to close the line. I have called and as i write this complaint i have been on hold and 1.5 HRS and talked to some one told them the issue and they disconnected me.
Product: Credit reporting or other personal consumer reports

Experian has not updated my archive personal loans account. The company said they would remove the late payment and experian has not updated that.
Product: Debt collection

Previously, submitted a complaint through CFPB reference # XXXX. Results came back with creditor stating that *account has been verified and validation documents have been sent to XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. This address is inaccurate. Address is not mine! * stating that a dispute letter had been received on XX/XX/XXXX, saying that " I believed that my vehicle had been stolen by XXXX XXXX ''. This is false because my letter clearly said " this vehicle had been stolen from me and XXXX XXXX was aware of it " I had personally called and made XXXX aware that vehicle had been stolen by XXXX XXXX I just had no clue where vehicle was at this point. But, I new that vehicle was been tracked by XXXX so it wouldn't be difficult to find it. Therefore, I have not received any validation documents nor the notice to sell the vehicle, deficiency notice, a financial transaction history of the account and a copy of the bill of sale agreement between XXXX and NCB. Accurate address was provided to NCB when dispute had been done XX/XX/XXXX. Account continues to report inaccurate stating open account status by XXXX while XXXX report Closed and 120 days late by XXXX, account status and date open also report inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 1 HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Debt collection

I was living in a duplex apartment and out of nowhere, the landlords sold the blg without giving me time to find another place to live. I was told by original landlords that they " didn't want to deal with the apartment because they were getting quite elderly and it was too time consuming and that they found a buyer. They literally had someone come in while I STILL lived there to view it and the following week they sold it. I was told by my original landlords that I had to vacate by the end of the month ( this was mid XX/XX/XXXX ) so the new owner could shut things down and began renovating the duplex. I very huridly got out and attempted to shut off the utilities but was told the final billilng would not be available for another month or 2. When the bill was finally available to me, I was informed by the company, XXXX XXXX XXXX XXXX XXXX XXXXthat the bill was sent to collections because it was not paid by the end of the monthly billing cycle. I then waited for the collections dept it was sent to to contact me, when I got their bill, I PAID IN FULL. I was told they would remove it from my credit report as a bad debt once paid and yet it remains there, though not showing a balance due, it shows up as " potentially negative debt '' owed. I have asked them several times to remove it but they do not. I want it removed as I have honored my part and paid the debt owed...
Product: Credit reporting or other personal consumer reports

Experian didnt properly investigate my dispute for a collection named XXXX XXXX XXXXXXXX account that was removed and then re-inserted back on my credit report without notice.
Product: Vehicle loan or lease

I purchased a camper  and financed it through BOA and setup auto pay. They were not automatically taking payments. I called to confirm information and authorized 5 payments eqaulling XXXX and I was charged that. I then authorized the next month of XXXX and was charged that. I was then charged XXXX for interest on so called late payments and was never told about this or authorized this payment. I was told it was their policy and that was how it works. The customer service refused to listen to the recorded conversations and authorizations and told me that I would have to deal with their policies.
Product: Credit card

XX/XX/24 I had received a change of terms and conditions for my Amex card. My balance is {$0.00}, and I did not like the new terms. The letter said if I did not agree to these terms, I could close my account and not be charged an annual fee. I called Amex to close the account. I was transferred to a retention team and was told it was closed with no fee after refusing multiple attempts from Amex to keep my account open. 

XX/XX/24 I get a new bill. Account is open with a {$99.00} annual fee due. I call Amex and complain. I was transferred to retention again. They place me on hold to review what happened on XXXX. After this, the representative apologized for the failure to close the account and agreed to close it with no annual fee. I request a statement with a {$0.00} balance with confirmation the account is closed. I am told I will receive it in the mail, and I am given confirmation # XXXX. 

XX/XX/24 I get another bill with a {$99.00} fee and a warning of late fees and increased interest if I fail to pay. I called Amex again and request a manager. I reached customer care and spoke to a supervisor named XXXX. I explain to XXXX  that I do not want to speak to Retention because I no longer believe they will close my account. I let him know I am going to file this complaint and that Amex should close my account but I refuse to speak to Retention. XXXX puts me on hold, comes back and apologizes but says he needs to transfer me to Retention. I explain to him I am not doing that a 3rd time and tell him to close my account and tell him goodbye.
Product: Checking or savings account

Bank of America will not release my funds. Fraud was committed on my account in which i reported to Bank of America. Bank of America has been investigating the claim for over 30 days. My account is being closed in which no one has explained anything I keep getting the run around and told they will not release my money till the investigation is close in which they still do not have a close date. I have explained my financial hardship and having no money to feed my children and they are still giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account in collection for XXXX XXXX hospital in XXXX California that's affecting my credit. I do not recognize this account and I believe this is a fraudulent account due to identity theft. I do not live in California I live in Nevada. I moved several years ago but during that time I had my vehicle stolen which I did report to the police. I had my personal belongings in the vehicle at the time it was stolen because I was packed up to move. Unfortunately my ID, birth certificate and other important confidential documents were in the vehicle. This has been a nightmare because I have had to closely monitor my credit report and dispute several items already.
Product: Credit reporting or other personal consumer reports

Different day same computer generated response which addresses nothing fixed nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out a personal information dispute letter to Experian. They have information that isn't accurate and I sent a certified letter to Experian detailing this information. They received my documents on XX/XX/2020. They haven't removed the addresses stated in the paperwork. The haven't removed the names stated in the paperwork either. I was hoping they could resolve the issue but it wasn't resolved.
Product: Debt collection

Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, Experian, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
Product: Debt collection

Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got XXXX XXXX   and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.
Product: Debt collection

XXXX XXXX has issued a fraudulent collection bill. The company EOS XXXX is attempting to collect and has been unable to provide any debt validation. They continue to add and remove the account from credit reporting, despite their inability to validate the debt and provide the documents I have requested on multiple occasions. The response I received is vague, and in no way debt validation. I have attached my request, sent XXXX XXXX and the inappropriate response I received from EOS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.