23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I had XXXX XXXX at the Wisconsin XXXX XXXX on my XXXX XXXX. Since I was XXXX XXXX XXXX at the time the XXXX was scheduled, I did not sign any contracts or agreements pertaining to the XXXX. I am currently XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, a bill was received from Wisconsin XXXX XXXX for the aforesaid debt in my name only. My mother immediately contacted the Wisconsin XXXX XXXX and informed them that the invoice was incorrectly put in my name ; as she explained I am a minor. My mother explained that my father is legally responsible for the bill due to the martial settlement agreement from their divorce. She provided the employee with my fathers name, address, and social security number. The employee agreed that putting the invoice in my name was an error and indicated he would email XXXX, and request that the bill be fixed and put my father as the responsible party and have the bill sent to him. 

On XXXX/XXXX/XXXX, another bill for the aforesaid debt came in my name. My mother again called and again spoke to XXXX. XXXX confirmed the prior conversation and said he will send another email to XXXX to have the bill put in my father 's name and put him as the responsible party. A few minutes later, XXXX contacted my mother and left a voicemail message that the bill/invoice was fixed and my father was listed as the sole responsible party. My mother contacted my father and he admitted he is responsible for paying the medical bill and indicated he would set up a payment plan once he received the invoice from WI XXXX XXXX. A month or so later, my father indicated he had gotten the invoice. 

I have received no further correspondence from anyone regarding this debt until I received a debt collection letter from RSI enterprises dated XXXX ( that was not received until XXXX/XXXX/XXXX ) indicating I am responsible for the debt. 

I attempted to call RSI numerous times but they only have a voicemail and require you to leave a message to call them back. Since I do not want them harassing me about a debt that is not mine, I did not leave my contact number nor a message. 

On XXXX XXXX, XXXX, I sent RSI a certified letter notifying them that I am XXXX XXXX XXXX and that my father is responsible for the debt and provided my father 's name, address, social security number. I also requested proof that I am liable for the debt. 

At this point, I am seriously concerned that WI XXXX Center and/or RSI have unlawfully damaged my credit, by erroneously putting the debt in my name instead of my father 's name. 

I have attached copies of the XXXX invoices received from WI XXXX XXXX, the letter from RSI enterprises,  and the letter I sent to WI XXXX Center. 

I am requesting that CFPB not provide either company with my email address or telephone number or the email address and telephone number of my mother ( who I have given permission to have access to the status of this complaint )
Product: Debt collection

I tries to pay my dept but they told me they couldn't find my Information in there system and I was never notified by this collection agency that they had bought my debt from the previous dept collection company.
Product: Checking or savings account

I was asked to be a sugar baby to someone Ive never met in XXXX of XXXX. I allowed this person to access and deposit a check in the amount of {$3800.00} on XXXX XXXX. I then received notification from Capital One that they were going to close my account and said that I would never be able to open an account with CAPITAL ONE again. Because of this, I thought they were voiding the check. Since I needed the money, another check from the same person was deposited into a XXXX XXXX  account. My account was closed with XXXX as well, HOWEVER, on XXXX XXXX, XXXX XXXX sent me the closing amount of {$6300.00} from the check received which tells me that the check is valid. Now today, XX/XX/2020, I go to CAPITAL ONE bank and ask for the remaining funds. The excuse I am given is that the check is still under investigation since XXXX because they do not have enough information to release the check. It has been 3 months now and they are just holding the money. Please help me receive these funds.
Product: Checking or savings account

I have a situation where my bank will not accept a deposit of a bill of legal tender even though I think they should. I have a single dollar bill that has been torn and missing a large portion. it is clearly more than 50 % of a bill and it's an odd shape so there really aren't any questions about that. The other piece of the bill, wherever it is, would definitely appear to be less than half a bill. 

I understand that businesses do not have to accept cash as the federal reserve has have discussed previously here : https : //www.federalreserve.gov/faqs/currency_12772.htm According to eCFR, I have 'unfit currency ' that a bank should exchange for me, but I do not have 'mutilated currency ' that would have to be sent back to the Dept. of the Treasury for service. 
https : //www.ecfr.gov/current/title-31/subtitle-B/chapter-I/part-100/subpart-B/section-100.5 I don't qualify to send this to the Treasury, and Chase bank won't accept it. 

I took my bill to the bank and tried to deposit it into my savings account or exchange it for a fresh dollar, but they wouldn't take it, stating that their policy is as follows : they only accept money where there is at least 3/4ths of a bill intact and where 1 full serial number and at least half of the second serial number are present. My dollar bill does not suit their definition. 

This bill is otherwise in pretty good condition. It is generally clean, barely folded, legible, of normal color, of normal density, etc. 

Here 's how I know this dollar bill is more than half a bill : * I folded another dollar bill up perfectly in half and put it behind my part of the bill. My bill completely covers that folded bill and extends beyond its border. 
* the shape of the tear on my valid but unfit bill is not even. It protrudes at one end so it's not even a close call. 
* if the other part of the bill ( or parts ) were found, they would clearly be less than half of a dollar bill. 

In 2012, Chase even went on the record saying they accept legal tender so long as there's more than half a bill in a public news article : XXXX XXXX XXXX I guess my question is, if my bank accepts cash deposits, do they have to accept all legal tender, or can they set restrictions such as my bank has done? I'm not trying to be difficult ( such as paying with XXXX XXXX XXXX ; this is a normal deposit ) or outrageous ( this is just a single dollar, not a large sum of money ), but I'm trying to understand the principles and policies that govern this situation. Should I appeal to them to accept my dollar anyway? Can you provide guidance on if they are allowed to limit the receipt of this dollar? Can you require them to update their policy? If not, what should I do to use this dollar? 

Thanks for considering this question. I know that it's not a very important issue, but maybe its weird details will be interesting to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my American Express credit card stolen and someone had used it on XX/XX/XXXX {$200.00} and XX/XX/XXXX {$700.00}. I had never authorized this card for anyone to use it. 
my account number is XXXX
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Fax Number : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1972 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

On XXXX/XXXX/XXXX, additional fees of {$20.00} was charged to my loan account through myloancare.com. Address LOANCARE XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is when my loan got transferred from XXXX XXXX XXXX XXXX. I have asked loancare several times to remove {$20.00} imposed on my mortgage account. This amount was never reported in any of my statements as fees. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 saw on XX/XX/XXXX that money nearly all of my money for the month was gone and I was left with a dollar and some change. There were 5 unauthorized charges on my account. Four were from XXXX, all done on XX/XX/XXXX in the amounts of : {$28.00}, {$9.00}, XXXX, and {$21.00}. These were taken between the hours of XXXX and XXXX am when my XXXX payments were deposited. I didnt notice those right away as they were smaller. I had a few charges of my own come out just fine is why. Then, on the XXXX at XXXX XXXX my account was charged {$670.00} from XXXX. I have never used that site, dont even have an account there. I called them immediately. Was told I would be given provisional credit as soon as I filled out forms they were sending and would be getting a new card. Neither arrived, had to call them back again on the XXXX or so, I believe. Was told the form was sent out the XXXX and was charged {$13.00} for a new card leaving me a negative balance. Finally received the forms on the XXXX, filled them out and faxed them on the XXXX. No credit was issued, heard nothing. Called them again the XXXX and was told it was my fault, I had to contact XXXX and XXXX and get my money back. I did contact XXXX and they issued refund request, but no money has shown up as of yet. They did tell me my actual card numbers were used, it didnt come from my account, so I wasnt hacked. Someone got my card expiration date, 3 digit code and knew the exact time to hit my account. XXXX I chatted with, screen recorded the chat. They emailed after saying DE has to charge back the charge. DE told me yesterday their decision is final, that it was over. Is Direct Express not breaking laws here? I didnt authorize any of these charges. I just want my money back. I have never disputed a charge before. I also told them I would be willing to prosecute. When I first called they told me they would issue provisional credit, investigate, and make a decision in 45-90 days. Nothing they said was true. They keep you on hold for hours hoping you go away. 

I attached the documents I faxed them, the fax confirmation sheet and receipt of proof of date/time of payment for the fax and the email from XXXX Thats everything I have on my end besides the screen recorded online chat with customer service from XXXX. It didnt do much as you can read in the email. Nobody else has permission to use my card, I have never just handed out private information, I mainly use an iPad, I have changed all of my passwords and do so often. I believe I do ok in protecting myself. This is the first time I have ever had this happen and I am XXXX, so..they tried insinuating it was my fault because I responded to that email from XXXX. That email address doesnt receive spam, I dont use it willy nilly. And I dont go theaters, I dont use XXXX. DE told me to gather information on my own, thats what I was attempting to do. 
Thank you in advance for any assistance in this matter.
Product: Mortgage

I am of XXXX ethnicity, but was born in the US. I have been accepted into a XXXX in TN. I will be making XXXX/year the first year. I applied for a mortgage from Bancorp South for {$230000.00} in XXXX for a house in XXXX. I was originally told I would be able to get a {$250000.00} loan so I stayed in the budget. The underwriter required me to have documents re : my repayment plan for my loans XX/XX/XXXX. I was not due yet, but I applied for a loan consolidation and got an estimate that I would be paying XXXX $ / month. I submitted this information to the underwriter XXXX XXXX and the underwriter required more information. I had planned on the REPAYE plan which is an income based repayment. When I received my loan summary, the underwriter said they needed a specific document indicating how much I would have to repay per month. I then contacted the loan company and they tried to expedite my income based repayment application. As soon as it was completed, I sent it to the bank representative who sent it to the underwriter. The underwriter finally commented that because it is an income based repayment plan that could change as my income increases, they can not give me the loan. I have been living in a motel for 1.5 weeks waiting for the mortgage in order to close the sale of my house. My daughter started school in the XXXX district. I have had to start work living in a hotel. When we speak to the bank representative and the real estate agent, they are flabbergasted. They have never heard of an underwriter doing this. It does not make any sense. The bank representative is appealing this decision. In the meantime, we are a displaced family, living in a hotel which is not financially sustainable for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )
Product: Mortgage

I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.
Product: Credit card or prepaid card

On XX/XX/2021, a purchase of {$49.00} was made online through XXXX and appeared on my CapitolOne Visa bill. I reported it as soon as I saw it. I have never had my Visa credit card attached to my XXXX  account. I explained this to CapitolOne. They investigated and didn't believe me even though I rarely used the credit card inside the United States. I got the CapitolOne card for travel outside of the United States when merchants do not accept XXXX XXXX. My XXXX XXXX card was also hit with fraudulent charges and the issue was immediately resolved by XXXX XXXX without me losing any money out of pocket. With CapitolOne, I was forced to pay the fraudulent charge. I then closed my account due to the lack of protection from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXXXXXX XXXX : Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XXXXXX/XX/XXXX : I filed a dispute with XXXX XX/XX/XXXX : Dispute completed by XXXX, reported that the account was not fraudulent which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, XXXX  {$120.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A.Clearly 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 an account without my written instructions, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

The government check amount XXXX was deposited through cashapp on XX/XX/XXXX. I spoke to a customer service on the weekend to understand what's happening and told that it would come into balance on the XXXX and it never did. Spoke to another customer service and was told that it would come through on the XXXX at XXXX and it never did. I spoke to another one and was told that it would come through on the XXXX at XXXX and it never did. Today I spoke with another customer service and was told that would come through at XXXXXXXX XXXX. This situation has caused me to be behind on my bills that I needed to pay. Nobody should have to go through this trouble with cashapp and it's customer service. I am unable to reverse their decision of holding my government check in order to go to my original bank to deposit. It's frustrating and it feels like I've been scammed.
Product: Credit reporting or other personal consumer reports

years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing stress and mental anguish while they gain profit off of the consumers name. There are XXXX accounts in question that XXXX refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. I never gave the XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX explicit or written consent to publish my non public personal information. The definition of XXXX means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the Federal Fair Credit Reporting Act and also a violation of 18 USC 894 in the conspiracy to team up against me in the collection of a debt as well as 18 USC chapter 77 - Peonage, slavery and trafficking of persons. The Credit agencies is also in Violation of section 604f of the Fair Credit Reporting Act 15 USC 1681 Permissable Purpose. These accounts are XXXX accounts and the credit agencies is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, The credit agencies is also in Violation of 18 USC 1028A - Aggravated identity theft stemming from violating FCRA section 604 15 USC 1681b permissible purpose can be access and used by third parties. Therefore I am exercising my consumer rights per FCRA under 15 USC 1681c-2 and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. The Credit agencies, XXXX XXXX XXXX nor XXXX XXXX can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court. There isn't any lawful contract in effect between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. No verification has been sent to XXXX XXXX proving consent or agreement for the publication of non public personal information. XXXX, XXXX and Equifax are non government affiliate private third party entities who are purposely violating consumer rights. I XXXX XXXX do hereby attest under penalty and perjury that I did not give explicit or written consent for my non public personal information to be shared with any third party entity.
Product: Debt collection

I was notified by my bank about a year ago about credit card fraud where the person used my XXXX  account and ordered various items on my debit card and/or through my mastercard. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??