23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America sent me a letter, asking me to contact them about my application for a credit card. I NEVER APPLIED FOR XXXX. I DON'T WANT ONE.A week later, I received another letter, saying that there was suspicious activity on my card and that my account had been temporarily suspended. However, BOA sent me an actual plastic credit card. I repeat : I NEVER REQUESTED THIS AND I DO NOT WANT IT. 
My wife faced a similar issue recently and it took a long time and a great deal of effort to resolve the situation. 
I have not contact BOA because I do not want them to have any more information about me than they already have. 

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Product: Money transfer, virtual currency, or money service

I made XXXX transfers with Wise business account on XX/XX/2022 totaling about {$20000.00}. They were both denied by the recipient 's bank in XXXX and I was alerted by my vendor ( the recipient ). I immediately reported this to Wise and they have been playing games with me for more than 6 months now. 

XXXX of the transfers has been found and successfully returned to me but the second one they have lost or stolen and now their customer service is not responding to me either via chat or XXXX XXXX. 

I've attached a copy of our email chain and all their responses.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and this credit card was opened with a {$300.00} balance .. ordered products on XXXX XXXX XX/XX/XXXX - Order No. XXXX and they were not rec 'd - reached out to the seller to dispute the delivery and was not able to get in touch with anyone - reached out to the card company and disputed the non delivery and not sure what happened from then. Now they are saying that I owe {$610.00} .. this amount is highly incorrect .. the card only had a {$300.00} balance and that amount was disputed. was not able to get anywhere with the retailer nor the card company and have since been going back and forth with different companies who buy this debt trying to explain this issue over and over - XXXX XXXX closed the account .. it is showing on my report as Open .. this is incorrect also - the company currently with this debt is called XXXX XXXX XXXX and last reported was XX/XX/XXXX and this is incorrect - account reaged - shows the account was opened on XX/XX/XXXX but that is also not correct - reaged .. meanwhile it is still on my credit report as a collection - please help me to have this removed as soon as possible as it is an incorrect amount and also incorrect information .. I also believe that this account was reaged to remain on my report. please help me to remove - trans union file number XXXX.
Product: Payday loan, title loan, or personal loan

Marcus Goldman Sachs state they paid an account ending XXXX XXXX XXXXI have no such account number. I spoke to XXXX I have only XXXX account which was paid by Goldman Sachs for {$640.00}. 
XXXX states they need a document from Goldman Sachs that states the full account number, date it was sent and that it cleared. Goldman Sachs is giving me the run around. Stating they dont have the full account number that it was sent on the XXXX of XXXX. They are not doing anything about this and now I am paying XXXX that was used to pay off account that isnt mine. I am struggling as it is. Unfair practices!
Product: Debt collection

Reached out to ARS to ask for Validation and they continue to say they have. After reviewing the information and after constantly asking ARS for this information on XX/XX/XXXX after claiming they did on XX/XX/XXXX. Asked them to provide the original documentation and still to this day have not gotten a copy of that letter. Have asked them multiple times for even if they had the rights of owning or right to pursue in my state which is now Idaho and never answered. I went on the Idaho collection verification website and see that they are not even licensed in the state of Idaho to attempt to collect a debt
Product: Credit card or prepaid card

A credit card with Discover was opened in my name when I have never applied for one. I didn't know until I just received the card in my mail box
Product: Credit card or prepaid card

I have become aware that Apple Card continues to excessively violate my consumer rights. I have had multiple encounters with Apple Card and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. I did not give my consent or authorize them to furnish my nonpublic personal information. This behavior constitutes dead-right fraud and violates consumer protection laws. Apple Card has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS, ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a 20-year prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase has held my money for 5 days, and will not speak with me. I can only get automated phone calls and chats. I'm familiar with the process, I'm not doing anything different when I try to withdraw, ive force stopped the redownloaded the app, tried 5g and wifi, exhausted my options to verify it's a coinbase issue, and they haven't resolved it nor aknowledged it nor me. 

Ive tried their chat which said to try the website or wait for an agent, expected wait is over an hour, ive waited 8hrs, went on their website, requested calls and had a machine tell me the same wait time, waited 2hrs on the phone, called an XXXX number i looked up for them that told me to use the website, tried to file complains with them but need a case number, in order to get a case number you need to speak to a person which is impossible. 

On the surface the company looks awesome, I even bought stock in them, once you need help though you realise it is all for show, every button runs you in circles from one bot to the next.
Product: Debt collection

XXXX XXXX XXXX contacted not only me but my father, my step mother, my step sister, and my step brother trying to get a hold of me. I called them Friday XX/XX/2024, and spoke with a representative named XXXX. XXXX was very rude and pushy. He basically told me he doesnt care about me or if I paid that its his job and that it doesnt matter if I pay {$1000.00} or {$2.00} he gets paid by how many debit cards he runs in a day. It was a 5 minute call of complete unprofessional attitude and raised a lot of red flags. Fast forward to today Monday XX/XX/2024 I spoke with XXXX XXXX, the supervisor, and he was completely unprofessional as well and even told me that they wont be dealing with me anymore. It is my belief that this company may be legit but practices shady business practices. I would bet my bottom dollar that they dont follow the law accordingly based on the interactions I had with them. If its possible I would like for them to be looked into. Im also reporting them to the XXXX XXXX XXXX  as well.
Product: Credit reporting or other personal consumer reports

I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled XXXX or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX-XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXXE ) XXXX Balance : {$240.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Jefferson Capital Systems is reporting to the credit bureaus inaccurate information from a debt they purchased from my original creditor. They are showing XXXX different amounts on my credit, XXXX for XXXX and the other for XXXX. I have reached out via mail requesting proof of debt owed without a response in return. They also have an address on file where I never lived in the state of Georgia. They have illegally reaged the debt stating that it was opened in XX/XX/XXXX when the account went into collections in summer of XXXX with the original creditor. They also have my loan term reported as 1 month which is incorrect and are reporting late payments to my credit as if the account is open and even that isnt consistent. They skip over a few months instead of consistently reporting, and they shouldnt be reporting a closed account as open. I have disputed many times with XXXX and have been unsuccessful with no valid proof of the debt owed obtained from this debt buyer that can even legally collect on my debt. Also this debt is from the state of TX and according to TX law statue of limitations on a debt is 4 years in TX. This debt has reached its limitation per where it originated.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXXXXXX # XXXX Date opened XX/XX/XXXX Balance {$480.00} XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : XXXX. A copy of my government-issued ID. 
XXXX. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
XXXX. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Product: Debt collection

The company levied the amount in my bank account after I had told them I am unemployed. 
I was behind on rent and was facing eviction during that time of the levied amount. They did not show up for court. The Hand-delivered the court ordered so I was unable to have documents submitted for the judge. Although the amount was put back because it showed it belongs to my mother, I was suffered from the loss and lease termination due to can not pay rent for three months. 
The Debtor did not take in consideration what I was saying and still pursue their documents to court when they knew I can not hire an attorney. This is unacceptable because I had proof, I am a fulltime student, low-income home, and single-mother. They did not listen and pursue whatever they can without talking to me. 

Debtor collect levied wages XX/XX/XXXX. Eviction Notice was instructed for the amount by XX/XX/XXXX. Unable to hold of anyone regarding the money. Luckily, my mom was able to borrow her friends so we do not lose our home. 
Court was XX/XX/XXXX. DEBTOR was NO SHOW. They were hoping I do not show but I was in Court with XXXX XXXX. 
Money was returned. It causes hardship and inconsiderate of what they did. I was behind rent by months. By truth, it is not I do not want to pay, but I was being kicked out of my home if it wasn't for my mom 's help. I am suffering from financial due to loss of employment. I have yet to catch up on car payment, student loans, and rent plus taking care of a teenager. 
XXXX XXXX do not check their facts. I am saddened that if I do not understand my rights, I would be homeless with a child. Please check this debt company as what they did was not ethical. 
I have documents to back up on all the dates I am implying. It has all personal account numbers. I can attach the court papers and bank levied upon requests.
Product: Credit reporting or other personal consumer reports

My personal information was impacted by the XXXX data breach. l have been a victim of identity theft. I have contacted the company to dispute and get the account removed. They have failed to do so. They are aware and acknowledge that this account is fraudulent. I want this account deleted and removed from my credit report immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit breau transunion and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date is XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and XXXX. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.
Product: Debt collection

Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt. 

I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment. 

I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time. 

I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann. 

I believe as a consumer I have the right to the disclosure of debt ; not provided. 
I have a right to see where and to what and how such garnishments are being applied. 

If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits? 


If this is not illegal it most assuredly is poor business practice and poor customer communications. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Payday loan, title loan, or personal loan

I took out a payday loan with Big Picture Loans. I can not pay this loan in accordance with the terms of the loan. I contacted a credit counselor under the law in Florida which states : Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must : ( 1 ) make an appointment with a credit counseling agency within seven days of the original due date, and ( 2 ) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in  accordance with the plan without incurring additional fees or costs. I completed this. The company emailed Big Picture proof of same. Big Picture immediately placed my loan in a " past due '' status even though my payment is not due until tomorrow. They refuse to speak with me. They have already collected over {$900.00} in interest with {$0.00} applied to the loan itself. I have since learned that these types of loans are prohibited in Florida.
Product: Credit reporting

I have been trying to get Experian to make the appropriate changes to my XXXX XXXX account since 2013 because the account history information is inaccurate. I 've provided proof of payment, which reflects the month and year and still no change. Instead, of making the corrections, Experian added additional inaccurate account history information.