23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was staying in XXXX with my XXXX, I was being XXXX  by him. I have a history of XXXX, XXXX and XXXX XXXX. I received permanent XXXX for these problems. I was supposed to fly back to the states on XX/XX/XXXX. My XXXX  XXXX who is on my bank account purchased the ticket. I would have purchased it but prior to this date Wells Fargo accidentally turned off my debit card, so I was being abused and had no access to my money in a foreign country. So my daughter made the reservation for my flight home on XX/XX/XXXX. Attached you will find a doctors not from XXXX stating I couldn't fly unless I was XXXX XXXX ok on the XX/XX/XXXX. I was not I had another XXXX do to being XXXX by my XXXX. I was struggling to get back by my health was deterating.attached are pics of the abuse and a police report. The American embassy in XXXX finally rescued me but I lost all my documents and have been struggling to get them back from my x XXXX. I filled a claim the week of XX/XX/XXXX. I submitted as much documentation as I could to Wells Fargo. I heard nothing from them but on XX/XX/XXXX I received a provisional credit of {$740.00}. I have heard nothing from Wells Fargo since then. Well on XX/XX/XXXX I received a letter stating they are reversing the provisional credit on XX/XX/XXXX. This is not rite. I have lots of documentation to prove my claim. If they reverse these charges my account will overdraft and I live in social security XXXX and a part time job. Please help me with this claim any other documents you need I will try to get you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased a watch from XXXX. The item was sent with signature required delivery but was never delivered to me and no signature was obtained. I tried multiple times to dispute with XXXX but was not getting an answer. I disputed the amount with PayPal, but they did not properly review the evidence and denied my case. I had to further pursue action by disputing the amount with my credit card. They also falsely denied my claim and recharged my credit card on XX/XX/2021. PayPal has received the money from my credit card. The seller eventually admitted the mistake on XX/XX/XXXX and tried to refund me but PayPal still had my chargeback open. On XX/XX/XXXX, PayPal also deducted the amount from the seller ( I thought this was the seller refunding me ) on transaction XXXX. As of this moment, PayPal has both my money and deducted the amount from the seller.
Product: Debt collection

On XXXX XXXX, 2022- Convergent Outsourcing Inc. opened a collection. 
Account -- {$150.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : National Credit Adjusters , LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own my report.
Product: Debt collection

I am having problems with getting a collection account with Pro Collect off of my credit report. I called the company and asked how I could take care of the account and they would not work with me. I have no documentation of why the amount they are showing is owed. They claim they issued something to me back in  XXXX  of this year but I have nothing in writing. I am in the process of purchasing a home and I need this collection account off of my record. In an effort to rectify the problem I need additional assistance with getting this company to have better practices.
Product: Checking or savings account

I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.
Product: Money transfer, virtual currency, or money service

I have paid in {$5000.00} to Coinbase account on Friday XXXX XXXX. After purchase of Bitcoins the same day Coinbase locked my account and Im not able to convert my funds back to USD. No one I responding to me for over a week now.
Product: Payday loan, title loan, personal loan, or advance loan

The company has reported the amount of {$1700.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.
Product: Debt collection

I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting inaccurate information on my credit report. They have XXXX XXXX XXXX listed as my name and that is not accurate. My true name is all that should be showing. 

Equifax has my place of employment listed on my credit report twice. Duplicate entries should NOT be listed on my credit report. 

Equifax has inaccurate payment histories posted on my credit report. I sent over a letter on XX/XX/21 and it was received by their office on XX/XX/21 and they HAVE NOT responded or corrected my credit report. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remove. The account is with XXXX XXXX XXXX. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remover. The account is with XXXX XXXX XXXX.
Product: Debt collection

I've contacted North State Acceptance several times this year in order to get the original contract for this alleged debt on my credit profile that I do not owe. I have not received a response for my request at all. This error is hurting my credit profile severely! I never received a auto loan for the debt in question. I never heard of this company. On my report it stated it was a repossession. I never had a repossession ever!
Product: Mortgage

Good Morning, My name is XXXX XXXX, phone # XXXX, email-XXXX. 
Ocwen Mortgage Loan # -XXXX and XXXX XXXX Loan # XXXX. 

I am currently on XXXX  XXXX with a fixed income. I have completed a Loan Modification with my previous mortgage company ( Ocwen Mortgage Services ) and a decision was made which I accepted due to not wanting to lose my house and also did not completely understand their terms and conditions. However, I was concerned with the huge difference with the mortgage principal and contacted Ocwen immediately. A representative told me to provide document indicating the difference. I was not able to locate the document immediately and when I did, Ocwen eventually sold my mortgage to XXXX XXXX XXXX effective onXX/XX/XXXX. I contacted XXXX XXXXXXXX XXXX and provided them with the1098 tax form for the year XXXX that I received from Ocwen Mortgage Services. The XXXX tax form from Ocwen indicates- Principal balance {$270000.00} as of XX/XX/, while XXXX XXXXXXXX XXXX indicates- {$400000.00}. The modification agreement also indicated-balloon payment in the year XXXX of {$290000.00}. There is also an adjustable rate.I have Attached copies of the Loan Modification documents that I requested and received from XXXX, the 1098 tax form for the year XXXX, XXXX XXXXXXXX XXXX   monthly statement, and the letter I wrote to XXXX regarding the huge difference in the Principal balance. Please help with this issue, this is all I have. 

Thanking you in advance. 

Looking forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below was violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than SEVEN YEARS 15U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Since my loan was transferred to Freedom Mortgage, I have been receiving statements that say I pay {$0.00} per month toward my mortgage. I have never missed a payment. I have called 4 times to have accurate statements sent. They continue to send me inaccurate statements that stat I pay XXXX each month.
Product: Debt collection

Company : MOUNTAIN LAND COLLECTION # : XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX ( XXXX ) XXXX-XXXX This is the debt information : Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1400.00} DateUpdated:XX/XX/2019 Original Amount : {$1300.00} Original Creditor : XXXX-XXXX XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< BOTTOM LINE THIS DEBT IS NOT MINE THE COMPANY IS COMMITTING FRAUD, I NEVER INCURRED THIS DEBT~~~~~~ this debt is not mine, it belongs to my son who has a completely different social security number than I, however it was reported on my credit!!!!! At NO time did I agree to pay, sign or enter into an agreement to pay this company. The only thing I did was allow my son to use my debit card ( bank ) to make a payment to them. Then he turned around and paid me cash. How dare they use my information to apply this debt to MY CREDIT!!! My son played no part in this fraud they are trying to perpetrate! He called in with my debit card to make a payment. In no way did I agree to take responsibility for this debt, and my son called them to make payment arrangements with them. 
This is NOT my debt!!!!! 
I am mad as XXXX, bc it is damaging my credit rating!!!!!!!!!!! 
I disputed this with XXXX, they said that the account was verified as accurate, the only way that would be true is if the company lied and said the debt was mine and not my sons!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have broken the law by not responding to me. Transunion received my letter I have provided proof of tracking. They verified my account against law of usc 15 1609 FDCPA. Be advised this is 3rd and final written attempt warning that I intend to filed litigation in accordance with FCRA TO ENFORCE my rights, seek relief and recover all monetary damage that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 2 written requests, the unverified items listed below still remaining on my credit report in complete violation of federal law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In result of your first investigation, and subsequent reinvestigation, you mentioned in writing that you verified that these items are being reported correctly? I would like to know who verified these accounts? Transunion did not provide me a copy of any original documentation with ( consumer contract with my signature signed on it ) as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). You have failed to provide the method of verification as required under section 612 ( a ) ( 7 ). Be advised that under 611 ( 5 ) ( a ) of the FCRA you are required to promptly delete all information which can not be verified. The following accounts should be paid on time and open not closed XXXX XXXX, current account should be reporting paid on time XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to verizon years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

XXXX  states I owe them for a bill I disputed this twice with the 3 cba and they stated verified. I was not aware of my rights at the time, now I check my credit report and XXXX is still on there and Jefferson Capital systems for the same {$750.00}. I have asked both companies for validation of debt with no response and yet they both appear on my credit report I can't believe this is legal.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted a dispute to Experian. On XX/XX/XXXX Experian submitted a result from my dispute. The dispute is in regard to a bankruptcy that is reporting on my Experian credit report. The dispute results states that XXXX supplied the information of the bankruptcy to Experian. Which Experian has been reporting since XX/XX/XXXX. I did not give any written, un-written, verbal and/or non-verbal consent to XXXX or XXXX to sale and/or purchase this private ( Privacy Act of 1974 ) information and report it on my credit report. Furthermore, according to uscourts.gov, bankruptcy courts do not furnish any bankruptcy information to any third parties. Experian and XXXX both being third parties. Again, I have not given any written, un-written, verbal, and/or non-verbal consent to XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I've taken a {$500.00} loan and to date I've aid back over {$1000.00} and being told I still {$500.00}. I didn't relalize the apr is 624.25 %.
Product: Checking or savings account

On the XXXX I charged XXXX when my account had XXXX dollars in it. That nigh they charged me a monthly fee and overdrafts my account. Then charged me XXXX dollars because they over drafted my account. When I called them they said that it was my XXXX dollar charge that overdrafts the account and refused to address how thats impossible. That kept trying to give me the run around about oh our stuff goes automatically but the other stuff isn't until the next day. They do this on purpose, and my account had XXXX XXXX before I spent money. Then they charged me and put me negative and then charged me again. They blame me but they do this all the time. I explained how its impossible and they just keep repeating like robots they can't refund me. They are stealing from me overand over and I want to close my account but I cant while its negative.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX