23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 XXXX XXXX the title processor for XXXX XXXX   XXXX XXXX  XXXX  # XXXX, that I am working with to Refi my home loan contacted XXXX XXXX XXXX  for a pay off amount and letter in regard to a lien on my property. He was told at this time the lien on my title and judgement was expired and the owed amount is {$0.00} due to California 's statue of limitations and was directed by the customer service personnel to the lawyer 's direct line ( XXXX XXXX ( not sure about the spelling of his last name ) XXXX ext. XXXX ) where he was forced to leave a message. 

Multiple calls from XXXX XXXX XXXX  and myself have been made to this company and all have been redirected to the lawyer 's voice mail. No messages have received a return call. 

The original debt was from XXXX XXXX, they were called as well, directed XXXX to call XXXX XXXX XXXX. 

XXXX has been also reaching out to XXXX XXXX XXXX ( XXXX ), they are the attorneys office that initially handled the judgment. The contact info for them is XXXX XXXX and XXXX XXXX, unfortunately he has not received any type of response from either of them. Their phone systems are not good, he kept getting hung up on during the transfer and they finally sent an instant message to XXXX XXXX XXXX Sounds like she is the boss ). He reached back out to XXXX XXXX   XXXX  on XX/XX/XXXX as well ( XXXX ) ( They took over the judgment from XXXX XXXX XXXX XXXX ), I was told the judgment was cancelled with them and became invalid but the initial attorneys office will need to provide information as they are no longer involved. 

XXXX XXXX XXXX has had this request for 2 months and has not even bothered to call back. I am not unable to move forward with my refi due to their incompetence.
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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 crime 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Control Services several times and they know this account is fraud, But them keep reporting it back with a different account number to make a new collection trade line on my credit file. I do not live nor have I lived in XXXX XXXX  I live in XXXX XXXX and I have been a XXXX XXXX XXXX XXXX  for over XXXX XXXX in XXXX XXXX  I will next be filing a civil action against this company Credit Control Services if this account isn't removed off my Credit file with all three credit Bureaus in 48 hours. enough is enough.. I will not stand for fraud on my file. I have file a report with FBI and NC insurance commissioner to investigate this company Credit Control Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Fraud. There is a capital one account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, XXXX, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but XXXX reported the account back on my file. I need the CAPITAL ONE ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.
Product: Money transfer, virtual currency, or money service

I was referred to this program by my creditor, XXXX  XXXX XXXX, via Accredited Debt Relief under the guise of credit counseling. After acknowledging this was not then right solution for me, I cancelled within the three business days stated in the contract. I was told a manager would call me, but I only found automated voice messages in my inbox. I called, and a representative, XXXX, was very difficult in processing my cancellation. He tried multiple times for me to continue with the program despite my insisting. I even yelled stop twice from the top of my lungs, which made him go silent for 15-30 seconds until he finally realized I wouldnt budge. He also told me I would receive a confirmation email, which never happened. This was an extremely predatory experience, and I would have much rather have dealt with collections agency than this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 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 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: Checking or savings account

I signed up for XXXX so sometimes the people email me about working for them and XXXX or being a my for their child. I had received a email XX/XX/XXXX saying that someone wanted me to contact their sister because she 's interested in me being a XXXX for her child. I emailed the email she had gave me giving them info about who I am and my experience in XXXX XXXX. I received a email back the same day and it said they 're interested in my working for them and being XXXX for their child and that they are on vacation in pureto rico right now so I would n't be XXXX until they came back. I was told I was going to receive a check they wanted me to cash and take my first weeks pay and send XXXX to the " landlord '' for Their house. When I received the check in the mail the next day I went to the back to cash it at Santander and I was told it would take a couple of days to go through. I went back the next day and met wit a lady there and she told me the check was fake so I texted the number I was given in my email and said that the check was fake and the person kept denying it and while I was texting the person I was still with the lady and she told me to prentend like the check went through and lie to the person so that they would send me the account number and so the person can send the account number so they could track who sent me the fake check. But the person did n't send the number so I told them I will be reporting it and I hope they have fun getting locked up. I 'm on here because I go to XXXX XXXX XXXX in Vermont so I 'm nowhere near XXXX XXXX in XXXX where I was when the incident occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue but was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
Product: Student loan

I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, NCB Management Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXXXXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by Experian, XXXX, and XXXX this XXXX XXXX account should not be on my consumer report until XXXX months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until XXXX year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until XXXX months after alleged delinquency by Experian, XXXX, and XXXX.
Product: Checking or savings account

Wells Fargo was manipulating transactions on my account to cause overdraft fees. They are changing transactions by a week 's transaction date. I called multiple times and discuss the issue with Wells Fargo. Customer service provided a little feedback as they could identifying the issue stating that they had no control over the actual post date and pending of a transaction in the " true post '' date. After about a year of trying to identify and work this issue out with Wells Fargo I was reimbursed for about half of the fees that were assessed to my account. I am not entirely sure when it started but it came to my attention during 2020 during covid when money became tight. As an event coordinator during that time you can imagine my wallet was affected the soonest and for the longest. So I was very conscious about every dollar going in and out of my account. I was processing bills down to almost every XXXX in my account. Then let 's say I had a transaction that I know put me negative and I would willingly take the overdraft fee. However once this transaction would occur Wells Fargo would then change a transaction date on an earlier posted and fully processed transaction to my account to reflect after my account had been gone negative, which sometimes would cause a return payment another overdraft fee and potentially a late fee with other finances. I tested this theory on my account and took screenshots. At that time I did get pretty upset I called Wells Fargo provided evidence. As I tried to escalate the issue nothing was ever done. I am still battling with them about this issue.
Product: Debt collection

I am the power of attorney for my mother, who has   XXXX   XXXX  . I opened a bank account with TD Bank which contains only her social security benefits and pension benefits, which are exempt from collection under state and federal law. My mother and I have the same last name, but different first names. I opened the account as the power of attorney, but the bank incorrectly placed my name on the account as a joint account holder.
A debt collection law firm served the bank with a restraining notice based on a judgment someone obtained against me in small claims court. I returned the exemption forms to TD Bank and to the law firm. I returned them within approximately two weeks of receiving them. The letter accompanying the exemption forms was dated XX/XX/XXXX , but I did not receive it until  XXXX . There was no post mark on the envelope. I consulted with a lawyer and returned the exemption forms within a few weeks of receiving them, indicating that the only money in the account was my mother 's money, so the account should not have been restrained, since she was not the judgment debtor. The Bank never responded. When my lawyer and I called the bank to follow up, they said they would not release the account because the exemption form was sent back more than 20 days after they mailed it. They admitted that they do not have any records relating to the mailing date and asked me the date of the postmark. I explained there was no postmark, just a preprinted mark stating that TD Bank paid the postage. They refused to release the account, even though they had notice that the judgment applies to me, not my mother, and the only money in the account belongs to my mother. They also refuse to correct their error in putting my name on the account as a joint account holder rather than as the power of attorney until the restraint is lifted.
Product: Money transfer, virtual currency, or money service

I bought concert tickets on XXXX on XX/XX/18 for {$150.00}. The seller 's name was XXXX or XXXX XXXX, XXXX, number ( XXXX ) XXXX. He sent me a picture of himself with a drivers license and screen shots of the tickets. I sent the money through XXXX on my Wells Fargo account, only to realize it was a scam. His XXXX ad was already taken down by this time. I contacted Wells Fargo, who told me that that the money had already been transferred but that they would look into it.
Product: Debt collection

This company opened account XXXX on my credit file on XX/XX/2022 that is reporting to my XXXX and XXXX reports. I noticed this report in XXXX so I sent them a debt validation letter pursuant to the Fair Debt collection Practices Act, 15 USC 1629g Sec. 809 ( b ) on XX/XX/2022 via certified mail with a return slip as well as another request on XX/XX/2022 with a return slip. This has been well past 30 days and this company has yet to present me with the competent evidence of the signed contract between me and the original creditor where I AGREED for account XXXX to be collected by their office validating that I have any LEGAL obligation to pay them. This debt is not mine and this company is committing fraud as well as defamation of character causing me unable to get approved for a vehicle!
Product: Credit card or prepaid card

Hello, Early in 2018 I found I had {$18000.00} in fraud on my checking account at TD Bank. 

They told me to contact XXXX, which is where the charges originated. I contacted XXXX and they told me they could not tell me about the charges, due to privacy laws. 

I called the police. The police assumed it was done by one of my XXXX cousins and asked if I wanted him investigated -- at that point, I had doubts that it was him, and said no I do not. So the police did nothing in my case and I had to investigate on my own. 

I eventually found that one of my ex-girlfriends had committed the fraud on XXXX by compiling a list of suspects I had, and using their information ( addresses, names, etc ) while over the phone with XXXX to overcome their privacy protection laws. 

I reported this information to the police who finally secured a trial against her, which she refused to show up for. A bench warrant was issued for her arrest, but it's been months now and nothing has happened. 

There has been no progress on this and TDBank, and XXXX have treated me with contempt on this. Please, if it's possible, I am looking for any assistance I can find.
Product: Credit card or prepaid card

I applied and was approved for the American Express Delta Gold Business card  on XX/XX/XXXX. The terms under which I applied were a welcome bonus of XXXX Delta Skymiles for reaching {$3000.00} in purchases within 4 months which I did complete on XX/XX/XXXX. Weeks passed and the XXXX miles never posted so I contacted them via online chat on XX/XX/XXXX and they opened an investigation into the matter. I never heard back so I did another online chat on XX/XX/XXXX and was told I wouldn't receive the bonus " due to incentive bonus offer misuse history ''. I had never been warned/notified of this before/during/after the application process. I feel I don't have a history of misuse with Amex and I'm frustrated that they haven't lived up to their end of the deal when they approved me for their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

XXXX : # XXXX, Experian : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # XXXX XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXXXXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX