23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear WEST CREEK FINANCIAL XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that WEST CREEK FINANCIAL XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing WEST CREEK FINANCIAL XXXXXXXX from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with WEST CREEK FINANCIAL XXXX, and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by WEST CREEK FINANCIAL XXXX may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA.

I demand that WEST CREEK FINANCIAL XXXX cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This is LTD Collection Agency and I have NEVER bought ANYTHING from them therefore I can not owe them ANYTHING. They are calling trying to collect money from people who don't owe them anything.
Product: Debt collection

XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. 
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok.

Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. 

There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.
Product: Money transfer, virtual currency, or money service

Zelle restricted my phone number upon a fraud claim by a person I sold a good on XXXX. That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called Zelle, my bank or send an email to them, they didn't help me with activating back my phone number with Zelle. Now I can't use my phone number with any banks via Zelle also can't use Zelle at all with XXXXXXXX XXXX.
Product: Student loan

I was placed on administrative forbearance due to being on SAVE plan. I noticed my loan balance has been increasing since last year due to added interest. I tried to contact Mohela but was place on hold for many hours and unable to reach anyone to address this.
Product: Credit reporting or other personal consumer reports

I went to purchase a car on XX/XX/year>. I was informed that my birthday has been removed from my credit report. And I called Equifax to fix the issue. They could not give me any information on why this happened. They told me that I could log into my online account and submit documents. When I tried to do this it gave me an error on the website. Then they told me I needed to mail in copies of my social security card and drivers license. I mailed those over night on XX/XX/XXXX to their XXXX like they instructed me. I added a cover letter asking to be updated when they had this process completed. I call back on XX/XX/XXXX and got confirmation they have gotten my documents and they would be added my birthday back. I went to the dealership again on XX/XX/XXXX and found out they did not add it back. I called again last night and Equifax is now telling me they have not updated my birthday but they did get my documents. They have been unable to provide me with any updates since that point.
Product: Vehicle loan or lease

I always call credit acceptance to help me with my bill and everytime i call i get a customer service advisor forcing me to pay up and asking XXXX dollars even when i miss my payment agreement vs me comminuting with to make a payment agreement to a different date I feel like im always get treated disrespectfully everytime i call.
Product: Debt collection

I have a closed debt from Nissan Motor on my credit report opened in 2021 I think, shows it was closed about 1-2 years ago. This is a result of Identity thief
Product: Credit reporting

The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I a consumer, After discovering an obscene number of errors on my consumer report contacted Experian to dispute these errors and to validate all accounts from all furnishers with documentation. I sent in my evidence for how these accounts and their reports from the furnishers were all inaccurate due to fradulent contracts. 
After the reinvestigation the agency sent me the results with nothing on the report changed. The reports/claims from the furnishers did not include any documentation to validate the furnishers claims and if so they were not received at my request from Experian. After my attempts I went over my credit report once again to discover over 50+ errors on my credit report, some I had not found prior to the dispute. I wrote an affidavit of truth and notice of intent to sue since Experian has clearly revealed they can not report correctly and accurately on my credit reports, continue to add transactions and interactions with the furnishers, and all full account numbers for these reports as well as the dates opened are not correct. Their reports are unfairly doing me harm as a consumer and are defaming my character. 
In the notice of intent to sue I referenced all violations they are committing against me and what is to be done to cure the situation. I have been met with no communication since sending the notice of intent to sue via registered mail to the agency in XXXX and I am getting ready to move forward in US district court if no resolution is offered to me including the deletion of the accounts with these inaccuracies and compensation for the emotional and financial damages I have suffered from their 50+ violations.
Product: Credit card

I got a american express business card specifically for the no interest for the first 12 months. I setup on auto with a rep over the phone. I was informed a few days later that I still needed to make the XXXX payment so I setup the auto payment AGAIN. I am now finding out that I am being charged all the interest for the XXXX 12 months of interest fees which totals to over {$2500.00}. I told them that XXXX setup the auto pay and they said theres nothing they can do. I got this card and planned to pay it off and pay off the balance every month for years to come.
Product: Debt collection

On XX/XX/2021, I sent CCS an invoice for violating my rights. CCS must pay the attached invoice pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and have filed FTC report in reference to the incident. I was told by credit reporting agencies to file the report and items contained in the report would be blocked/deleted. However, the items contained in this complaint are still listed on my credit file. I have attached a copy of items to be blocked in this complaint. I am reaching out to the CFPB to assist me in resolving this incident.
Product: Bank account or service

Subject : I used Bank of America Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Bank of America is not returning my money to bank account. 
Bank of America Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Bank of America closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Bank of America Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Bank of America credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Bank of America debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Bank of America by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of XXXX days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Copy of my drivers license - Copy of my social security card - Copy of my address- Copy of my written complaint
Product: Checking or savings account

Wells Fargo negligently misplaced account records and then demanded we replace them. We did multiple times and each time they mishandled them again. The sixth tie we got confirmation in writing. Immediately thereafter the bank closed two accounts in violation of written and oral representations. It withdrew over {$100000.00} from the accounts and intentionally mailed the checks representing those funds to a known incorrect address. Wells Fargo will not reissue the checks and denies us access to the funds unless we agree to indemnify it against loss arising from its own misconduct. Wells Fargo Small Business Resolutions has advised it determined the branch was negligent. Branch located a XXXX XXXX XXXX, XXXX, CA. XXXX.
Product: Checking or savings account

On XX/XX/2018 my checking account was hacked in amount of {$440.00}. 00 and credit card was hacked in amount of {$500.00} by someone using XXXX App. 53rd Bank Fraud Department alerted me. Filed a verbal claim at that time. Went to bank an put a stop on both accounts. Fraud Department denied my claim said it was my fault. So I filed a dispute an they denied it. Saying they could not determine I didn't give the hacker my account information. My next action law suit.
Product: Checking or savings account

I opened a business checking account with Capital One. I was issued a debit card. I activated it and put it in a drawer. It was never used, the card information was never copied or written down. 
An unauthorized charge appeared on my account to the debit card. As there is no way to lock the card, I called Capital One to report it. They claimed they had no record of the transaction and all traces of it vanished from my account. They cancelled my card and overnighted me a new one. 
It happened again on the new card. I called them and told them they had a data breach. Clearly my debit card information was being accessed by someone from their end. Again they deleted all trace of the transaction and sent me another card. 
2 days ago it happened again with the third card. This is getting ridiculous. Someone in authority needs to investigate this. I can't be the only one. 
I will be calling them this morning and I expect they will simply deny everything and make it all disappear again.
Product: Debt collection

I dispute six accounts on my XXXX credit report they have been closed, charged off, written off and it is still showing a balance state of Michigan reported an account that has no lender or bank lender attached to it. I disputed these things because they are supposed to be removed off of my credit report. Accounts are showing written off or charged off and they still showing a balance which is against the law. Fraud during lent with addresses that I have not resigned that also names on my credit report that are incorrect, and I would like them to be removed, as well as the addresses that I do not reside at. And all of these issues are from XXXX credit bureau.
Product: Money transfer, virtual currency, or money service

My issue is with Coinbase. I have an account with them and have bought thousands of dollars worth of Cryptocurrency. I saw an authorized deduction from my bank account for the amount of {$1000.00}, so I submitted a Helpdesk ticket on XX/XX/XXXX on Coinbase.com per their instructions. After I submitted the ticket, the money magically appeared in my Coinbase Wallet, not sure if they put it back or it was glitch in the system. They proceeded to lock me out of my account and now I ca n't access my account that has thousands of dollars in it. I have tried calling them every week since then and I get the same response, someone is working on it. They wo n't let me transfer my money or take it out, or close out the account. They are basically holding my money hostage.
Product: Mortgage

On XX/XX/2020 I telephoned ( XXXX ) Loan Deport, a mortgage company at approximately XXXX XXXX. I was asking about a refinance on my home. A lady answered and identified herself as XXXX. She further advised that this was a recorded line. I asked to not be recorded. XXXX replied that there was nothing she could and that I would be recorded. I explained that California was a two party consent state for recording via telephone. She again said there was nothing she could do. I asked if it was a requirement for me to give up my right to not be recorded in order to apply for a mortgage from Loan Depot. XXXX replied yes. This is clear discrimination. According to XXXX, if I dont consent to being recorded, I cant get a mortgage from Loan Depot.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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: Debt collection

It was unfair the way this debt collection was carried out by XXXX and their collector company. First of all, I was enrolled in auto pay for my internet service with XXXX. That means that I did ALL my payments ON TIME while using their service. I kindly called XXXX and let them know in advance that I would no longer need their service because Id be moving out of state where, unfortunately, they dont have service coverage. They couldve charged that amount to the credit card that I had on file with them and/or could have send me an email or call me to remind me about that bill that I wouldve taken care of immediately as I did with all my previous payments. I tried to find out what had happened and called XXXX directly as soon as I received the alert on my credit report. They told me they couldnt remove that bill from the agency, even though I called the same day I received the alert and when they knew of my good payment history. They told me they didnt have my account details, nor my credit card information. So I went ahead, called the agency and paid the amount right away. I was told the report would be removed from my credit score in 3 months if I could pay the amount that day, which was always my intention since Im VERY responsible with my payments. To make it more upsetting, Ive been getting monthly bills -without outstanding balance- from XXXX  in the mail after I paid that amount to Credit Management , LP. Why would they then have my information after this but not one or two months after cancelling their service? They shouldve attempted to call or send me an email ; but they never did. Now Im left with a terrible credit score for their incompetence when Ive been paying all my bills, and this was all for the ridiculous amount of {$140.00}. They can and should do better to make their costumer feel valuable.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}