23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. 
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. 
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.
Product: Payday loan, title loan, or personal loan

I have taken out one loan with security finance and it 's paid off which was 7 years ago probally around 2009. I 'm seeing new loans from as recent as 3 years ago with with them with different amounts borrowed that I did n't make myself. Seems someone used my information to create new accounts with out my knowledge because I never got any mail from them since my first and only loan I did myself.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I am filing a formal complaint against Halsted Financial Services, LLC at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. Halsted is falsely accusing me of not fulfilling a contractual obligation with XXXX ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
Product: Money transfer, virtual currency, or money service

Coinbase / XXXX lost my funds transfer.

I sent money from XXXX exchange to the XXXX exchange.

At the point and time of the transfer XXXX was representing the value of my XXXX at {$7400.00}. The exchange it was on had it priced at {$4200.00}. My intention was to sell it on the exchange that showed the higher price. Since XXXX lost the transfer, am entitled to reconciliation of my losses since they have held my BitCoin Cash since this date and I have been unable to sell @ {$4200.00} or {$7400.00}. The value has been cut in half since XXXX lost the transfer.

I would like to receive the US dollar value of the funds they misplaced from the exchange they were on at the point and time of the transfer was sent ( XXXX price ) or transfer completion ( XXXX price ). Tuesday, XX/XX/XXXX XXXX XXXX I have open many support tickets and have spent 26 hours waiting for customer service to answer. I 've never been given any information.

Amount : XXXX XXXX To : 1XXXX Requested At : XX/XX/XXXX XXXX From : XXXX  According to XXXX they sent my money on this date.

XX/XX/XXXXXXXX XXXX Completed Address : 1XXXX XXXX XXXX  3XXXX  According to the blockchain, XXXX received my funds.

XXXX XXXX XXXX Relay time Tuesday, XX/XX/XXXX, XXXX XXXX Time until confirmed after 8 minutes and it has since been transferred out to a private wallet.

Please help me in recovering my funds.
Product: Payday loan, title loan, or personal loan

Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
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2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.
Product: Credit card

i recently received a wells fargo ( wf ) credit card ( XXXX XXXX XXXX XXXX ). i tried to enroll for online access but was denied because i don't own a cell phone. apparently, wf sends verification codes only via text message. i spoke with several customer service reps and was told that i should be able to go to any wf branch with a photo id and a banker could help me enroll. i went to the XXXX XXXX, ca branch on XX/XX/XXXX and was told that i had to make an appt. i went back the next day and was told by a banker that there was nothing she could do to get me enrolled. the banker filed a complaint on my behalf ( XXXX ) wf responded by email and cited a mobile banking policy " which indicates you must provide us ( and maintain ) a valid mobile phone number which you are the owner of or have the delegated authority to act on behalf of the mobile subscriber. '' are these people utterly dense? the mobile banking policy doesn't apply to me because I DON'T OWN A MOBILE PHONE. it's hard to provide a mobile number if you don't own a mobile phone. if i did i wouldn't be filing a complaint and we wouldn't be having this narrative. i bank with my laptop and desktop which are not considered mobile devices. 

i will be XXXX next year. my generation did not grow up with all these modern electronic devices that proliferate today 's landscape. many of us, like myself, are not tech savvy and are intimidated by these new-fangled things so we don't use them. hence we can't get online access given.wf 's narrow and stinted policy. this is, in effect, de facto XXXX XXXX and needs to be amended immediately! 

nowadays we have all types of electronic options. i don't have to use XXXX XXXX as my web browser. i don't have to use XXXX  as my isp. i don't have to setup an email account with XXXX. there are options everywhere except with wf. i deal with at least 8 other financial institutions and all of them give me the option of code delivery via landline or email. XXXX provides options ; so does XXXX XXXX XXXX incidentally, is there any credible empirical evidence that cell phones are more secure than other methods of delivery? 

wf needs to wake up and realize that not everyone owns a mobile phone.
Product: Credit reporting or other personal consumer reports

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : WELLS FARGO : Account # XXXX.
Product: Debt collection

I received one ( 1 ) notice from Carter-Young , Inc XXXX XXXX XX/XX/year>. The notice was dated XX/XX/year>. The notice stated I owed back rent to their client, XXXX XXXXXXXX. I responded back to Carter-Young on XX/XX/year>, informing them the debt did not belong to me and to fact-check their source. Carter-Young sent the {$5400.00} debt to my Credit Report on or before XX/XX/year>. Carter-Young failed to comply with the 30 day Right to dispute an incorrect debt notification. Carter-Young submitted the inaccurate, negative collection to my Credit Report in less than ten ( 10 ) days after their one and only notification to me. The inaccurate, negative collection posted to my Credit Report resulted in a XXXX point drop to my Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I their own admission, never had Validation of these debts they reported to the credit bureaus for all the years you have been broadcasting this unlawful reporting of these XXXX accounts. 

This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

If you do not remove these collections from your systems I will sue you after 30 days has passed if you have not removed them - you are in notice and you have The proof and evidence attached. 

XXXX XXXX XXXX also unlawfully disclosed personal XXXX XXXX violation documents in their miserable attempt to validate this almost 6 years too late! They did not follow protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I verified with XXXX XXXX XXXX that they have already notified all three credit bureaus of the status of a collection account, they verified with me today that a letter was sent asking that Account # XXXX XXXX {$820.00} be deleted from my file and that the account has been paid in full. I also recieved a letter stating the account has been resolved. XXXX  sent letters out on the XXXX it is now over 30 days and according to the FCRA " Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days '' Because it is now over 30 days I kindly request that this account be removed immediatly from my credit. This inaccurate account is currently reporting on Transunion, XXXX, and XXXX. There is another very logical issue with this account being reported as all three reports state that this account was last reported of XXXX XXXX, which means the credit bureaus have choosen to keep this inaccurate account on my credit file even though XXXX  is no longer reporting it. This is both completely unacceptable and is also a violation of the FCRA. Your immediate attention to this matter is most appriciated. XXXX was 48 days ago!
Product: Mortgage

After hurricane Irma, received a letter from Wells Fargo, offering a 90 days payment relief, no late payments, credit report and the option of moving the relief to the end of the mortgage. Only took 60 days out those 90 days, before the due day I star calling Wells Fargo and let them know will start my regular payments expecting those two payments get move to the end of the loan. The said it can not be possible since they only service the account and need a new application and change of my terms. I was in chock and try many times to reasoning with them, specially after they were able to move those two payments on the home equity line, even try to get the name of those investors, which they never provided, those are cheap lies and they only try to either modify my loan and reset the clock back to XXXX and start collecting huge interest on the loan, or simple foreclosure my house since I start getting many nasty and aggressive letters from them. At this rate will be force to make those payments to avoid foreclosure actions on my House. They are lairs and they only thing the do is taking advantage of peoples miseries, does not matter how long or how well you pay your mortgage.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked and frustrated to see an unauthorized inquiry on my credit report. It came out of nowhere and left me with questions XXXX cant answer. I refreshed my browser repeatedly, hoping it would disappear, but it didnt. I demand an immediate review of my documents to ensure this issue is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute in regard to several accounts on my credit report that do not belong to me. Unbeknown to me my Foster Mother added me to several accounts which I had no access to, nor was I an authorized user for these accounts. I was denied credit and a residential unit because it stated I had credit cards with high balances an my debit to income ratio was high. I received the credit reports and saw the accounts listed. After doing my due diligence I was successfully removed off each account. I disputed the items and XXXX  and XXXX  both removed the said accounts from my report because I am not a authorized user nor are the accounts listed under my name anymore. 

Equifax on the other hand has been difficult. I received an email from Equifax an " dispute completed notification ''. When I tired to access the file online, it wont show me the resolution. So today XX/XX/17 I called Equifax at XXXX. The Representative did not give me his name or Operator ID. I explained my situation and he stated to me that I 'm suppose to call the Credit Card company and make them send a statement to Equifax. I tired to explain to him that I do n't have access to the accounts so I can not get a statement. The representative was rather nasty and said " do n't talk over me or Ill hang up on you ''. I said " excuse me ''? I said Sir please do n't be disrespectful I am simply trying o explain my side of the situation. He stated I do n't have time for this have a good day and disconnected the call. I think its rather absurd that I have to go through great lengths to get assistance. And If I speak up for myself as a Customer, I am belittled or scared tactics are used against me. How is it that 2 credit bureaus could easily delete the information from doing their own investigation while Equifax is requiring me to go and get information for them to prove I do n't own the account? I was n't the one who reported the incorrect information so why am I required to get reports and letters? No other bureau asked me for that. The sheer fact I was threatened and hung up on because I spoke my truth is a sign that there is something grossly wrong with this company. I feel it is unfair business practices and should be looked into further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint addressed to the Credit Reporting Agencies to request that the Following Dispute inquiries were resulted due to identity theft. I was a victim of identity theft and that the disputed inquiries were never made by me neither anyone I authorized on my behalf. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following inquiries completey from my Credit Report as soon as possible. Also, the Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. I have read enough to understand my rights which is clearly being violated by the Credit Reporting agencies. Once again, I need the following inquiries to be removed completely from my Credit Report : XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

This is in regard to Paypal-a company that is clearly breaking the law-but it is a serious uphill battle fighting them as they seem to care about no one. I had 3 accounts with them ; then an ID theft ; once I reported that ID theft in XX/XX/2018( when it affected me ) I told Paypal that I felt strongly that many charges were fraudulent and my ID theft was not only verified by the FTC but proven ( completely ). They immediately closed my Paypal accounts to online or app access, and after 60 days reject all 25 disputes I claimed ( as the names of the charges were too vague, one letter names, numbers, etc-I needed to know who they really were ) on a Sunday at XXXX XX/XX/XXXX ... all of the disputes were rejected in a plethora of late night form type emails. I never paid these accounts because of this clear breach of contract-now they send them each to collections-where I explain this to each agency, they then return the debt to Paypal, and XXXX XXXX-both of whom I have not only contacted, but basically after hearing my story-dismissed it as " too difficult '' and to late for their 180 day window ). But I filed my disputes within 30 days of the problems arising-and yet, they still would not allow me any courtesies. Now they are getting each collection sold BACK-over and over again, as the agencies agreed these were not collectible debts-then Paypal and XXXX XXXX   sell them yet again-it has now been 6 different collectors,  and it seems this will continue. I believe this isn't legal-but moreover, I strongly believe Paypal, a public company has violated their charter-and I think my proof of my ID theft was very compelling. I am asking for your assistance in this matter, otherwise I would need to sue Paypal-a daunting task, and probably fruitless. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Product: Checking or savings account

At the beginning of this year, I saw a promotion offered by  Wells Fargo . They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of {$250.00}. Please see attached "   XXXX   XXXX   ''. I thought it was good deal and applied for it right away.   Then I got an email fro m Wells Fargo  on  XXXX   XXXX , saying my app was received. This email, did contain a phrase saying the bonus was attached. Please see attached " app received.jpg ''.  One d ay later, I got an another email that required me to go t o one of  their branch to provide more information. On  XXXX   XXXX , I went t o one of the ir branch to complete the application process and the account was opened successfully.   According to the offer term, I had to complete either  one qualified direct deposit or 10  debit card transactions within 60 days of account open date. The bonus would be paid within 45 days after that. I have completed thei r 10 d ebit card transactions requirement by  XXXX   XXXX .  Wells Fargo  did n't honor this bonus after 45 days. I tried to contact their customer service and go to branch. Customer service rep suggested I should go to branch for further assistance. But the banker in branch told me I should call for customer service instead. Basically it is a dead end if I want to get help from  Wells Fargo.
Product: Debt collection

Debt collection agency sent a 1099C to the IRS. When attempting to contact said agency to request " proof of debt. '' They informed me that the " Statute Of Limitations in North Carolina '' has passed, and they could not provide any proof of debt. Now, I owe the IRS taxes on cancellation of debt, in which I have NO PROOF of.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Verify the accuracy of the reported late payments. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The Following Information is XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report
Product: Credit card

I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods