23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Tried to speak with the company to get information on debt breakdown as well as paperwork used to issue garnishment. Representative stated they originally had old address on file that was not updated until XX/XX/year>. Post may received no correspondence from the company regarding debt, lawsuit or judgment just discussed potential payment arrangements. Company never sent any debt validation nor was i properly served papers in order to respond to lawsuit for recovery. 

Attempted to work with company and get information but rep said only thing that could be done is payment in full no documents or further explanation.
Product: Credit card or prepaid card

I had a prepaid card that had about {$100.00} left on it. On XX/XX/2023 someone was able to steal my card number, log in to the account, and change all of the personal information. They then made a purchase of about {$100.00}, clearing out the card. I called immediately after discovering this on the same day, XX/XX/2023. I was instructed to fax a copy of my ID, front and back of the prepaid card, and other personal information in order to get the card back under my name and that I couldn't dispute the fraudulent charge until the card was back under my name. I was told that it was take 3 business days to process the faxed information and to call back once 3 business days had passed. On XX/XX/2023 I called back and was informed that there was an issue with the faxed documents and to refax them. The issue they told me was that the faxed images came in 'mirror imaged. ' On XX/XX/2023 I spoke with a supervisor who said he could see the images, that they were NOT mirror imaged, and made a claim ticket to have the documents rechecked. That supervisor gave me a ticket number and told me to call back periodically to check in on the claim. I called back on XX/XX/2023 to check in, I was hung up on by the first supervisor. The second supervisor straight up lied about the issue. First she said that the problem with the faxed documents were in black and white. It's a fax, it can ONLY be in black and white, I'm not sure why she tried to claim that. Then she tried to say the images were too 'cartoonish '. I have no idea what she even means by that. It's simply a black and white copy of everything I was asked to fax. Then, after asking to speak with literally anyone above her, she refused. She said her bosses do not talk to people on the phone. I was refused any kind of email or phone number to anyone I could talk to. I was only offered a XXXX XXXX XXXX. This whole thing is incredibly frustrating. I've been lied to, hung up on, and given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Product: Credit reporting

On XXXX/XXXX/XXXX I went into XXXX XXXX of XXXX XXXX in the intention of buying a car. I bought a XXXX XXXX XXXX, signed all the appropriate papers needed to complete the process. I signed the contract, left and was told on XXXX/XXXX/XXXX that I had to call XXXX and clear my fraud alert. I have a fraud alert because I am going through identity theft. I called XXXX the next day and was told by XXXX to go online and continue the process there. I did as I was told but it was not fast enough for XXXX XXXX, which to my understanding XXXX was not able to get funding for the contract. They kept calling demanding, pressuring and threatening me to taking my car if I did n't do my part. I stated that it took 5-7 business days for that process to go through. I was surprised that they let me go with a new car without doing the required process for approval. 
After verbally being told I was going to get the car taken away, I had had it with the company. On XXXX/XXXX/XXXX I told XXXX XXXX that I wanted nothing to do with the company. I told them that I was going to return the car and wanted an unwinding paper stating in the documentation about everything that had happened. The company waited until XXXX/XXXX/XXXX to comply with my demands. They still tried to have me keep the contract but I wished to have nothing to do with them. As of XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX took full responsibility in the issue and stated that they were going to unwind the deal.
Product: Credit card or prepaid card

I have not supplied proof under the doctrine of estoppel by silence, engelhardt V Gravens ( MO ) 281 SW 715,719 I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Product: Mortgage

I opened a Prime Equity account with Wells Fargo many years ago.

In the past I have made payments to pay down the princpal on the loan.

In the past when I received my new statment it would show on the first page = Total Amount Due = which relfected the amount of interest I now needed to pay due to the reduced principal amount. 
In XXXX of 2020 ... I made a {$10000.00} payment on the principal. 
My XX/XX/2020 statement from Wells Fargo stated the Total Amount due was = to {$0.00}. 
I called Wells Fargo, to ask why the new interest payment was not reflected in the Total Amount Due. They advised - it was due to the large payment I made in XXXX, and the timing of the payment, thus no payment was due. 
My XXXX statement also showed Total Amount Due = {$0.00}. 
I call Wells FArgo, they advised it was due to the large payment made in XXXX. 
I requested to speak with their Executive Office. Their Executive Office advised that the interest accrued was displayed on other pages in the statement. 
I told them I found this new, very confusing, and almost seemed to not show me how much interest was now due ... .even though it was still accruing.

Basically, they advised this is what they are NOW doing..

Thus, I am bringing it to your attention..

Please research and advise if this is legal. 
Thank you, XXXX XXXX
Product: Debt collection

Sent a letter to Collectech Diversified , Inc. through certified mail to : Collectech Diversified , Inc . 
XXXX XXXX XXXX XXXX TX XXXX In the letter I requested the original purchase agreement that shows they are the legal owner of this alleged debt and to include all the terms and conditions that are included in this purchase agreement. It's been over 30 days since and they still have not mailed this information to me. I mailed my certified letter on XX/XX/, and it was delivered to their office on XXXX XXXX XXXX
Product: Debt collection

My credit reports shows I owe a debt of {$5000.00} and XXXX ( Account Number # XXXX and XXXX ) I repeatedly disputed this claim with Navy FCU several times via mail over the past 5 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from Navy FCU debt is belong to me.
Product: Credit reporting or other personal consumer reports

My Information was stolen during XXXX  data breach and XXXX Data breach . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and gender marker ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and gender marker in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/gender marker, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from Experian with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a transgender person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on Experian 's website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.
Product: Credit card or prepaid card

For the past two years, I've been in a constant battle with identity theft. When I applied for the XXXX unemployment, I figured I didn't qualify because I never received anything in the mail and for some reason my XXXX sign in wasn't working. 

I really didn't pay it no mind until I read an article about how XXXX XXXX was still paying out people who didn't receive their XXXX  during covid-19 and that it was possible that some people could qualify. I went to sign into my account and it was still locked out. Luckily I knew some of the questions that only I could remember but I had a hard time figuring those out as well. After the third try, I finally was given access to my account. The first thing I did was a change of address since I moved. When I started looking through my profile I was able to see claims of which I didn't file. I never received a debit card. Funds were being issued during the pua/ covid-19 season and I was having a hard time finding a job and could have used those funds to get by. 
I reached out to Bank Of America XXXX  in late XXXX and told them that I never received any XXXX payments because i never got a statement or a debit card for that matter. I made XXXX claim disputes XXXX claim # XXXX in the amount of {$3100.00} XXXX claim # XXXX in the amount of {$11000.00} XXXX claim # XXXX in the amount of {$590.00} XXXX claim # XXXX in the amount of XXXX I received letters from Bank of America on XX/XX/2022 denying all my claim disputes. 
How is that if I never got a debit card to begin with? I asked for Bank of America to send me their reason and proof for their decision. I haven't received nothing yet. 
It's clear that I was a victim of a nation wide scam and for some reason BofA makes people feel like they are at fault or the criminal. That's not fair to the consumers who have been targeted and taken advantage of. BofA has a XXXX liability policy for debit card users. Well I never received a debit card until 2 weeks ago and I'm still being punished. I just want what is owed to my daughter and It's with me being a Widowed parent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I was a victim of XXXX XXXX. There is information which appears on my credit report, is the result of that XXXX  that is not correct. 
Under XXXX XXXX. & XXXX ( XXXX ) or XXXX XXXX  under XXXX XXXX. & XXXX ( XXXX ) as required to qualify for certain adverse credit information to be blocked pursuant to XXXX C.F.R. & XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Equifax ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

This is for a XXXX credit card managed by synchrony lending. I made a {$1500.00} payment and did not see it show against my XXXX credit card balance. I inquired if they saw it on their end. From there they have added XXXX to my account with the reasoning I disputed a transaction and lost. At a minimum I would like to have {$1500.00} removed from my account. They are saying the two {$1500.00} payments are them crediting my account when I inquired about the payment not showing. Even if this was true I would still be owed {$1500.00}. Once I get the {$1500.00} I will move on to potentially disputing the payment I made that never showed on my account. Attached is a screenshot showing all {$1500.00} transactions for the history of my account. You can see there are two showing on XX/XX/XXXX. They are telling me there was only one on XX/XX/XXXX. I have messaged them many many times and called with no movement or attempt to resolve this. I am over my limit and being charged interest as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I moved into a townhome in XXXX based upon his income. I do not work and did not have an income. We have XXXX down on a deposit and paid XXXX per month in rent. My husband unexpectedly died of XXXX in less than one week in XXXX of XXXX. I paid the rent for XXXX gave them the deposit and was told I owed nothing. I pulled my Experian credit report and it was showing monthly debts owed as if I lived there even though I left in XXXX. I disputed the debt with Experian and XXXX  based upon the fact I did not owe the debt and the information supplied to the credit bureaus falsely claimed the nature of the debt the wrong original creditor and amounts of delinquency it also violated the FCRA by falsely purporting the original creditor was in Tennessee when in fact it was the debt collection agency phone number and address falsely claiming to be the creditor. I made Experian and XXXX  aware of this yet they still kept the debt on my credit report. I am XXXX years old and can not move into an apartment because of this erroneous debt. Please help
Product: Money transfer, virtual currency, or money service

In the year XXXX using wells fargo bank, I sent several wire transfers to an apparent fraudulent investment platform that wells fargo assured me that were legitimate, stating there software had built in security features that would detect fraud should it be needed, but in the end had zero security features and was scammed out of every cent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a Capital One checking account. The following inquiries are showing on my XXXX  report and were not authorized by me. I am a victim of identity theft. 

Capital One XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX was accessed by the credit company that has put this inquiry on my report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Account Number : 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 consent.
Product: Debt collection

I have just discovered that I have a judgement against me with a company named XXXX XXXX XXXX , XXXX. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from XXXX. I called XXXX to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also XXXX my XXXX children. I would like this investigated and judgement removed.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up communication regarding the fraudulent issue I have encountered. Compliance with law 605b of the FCRA, as delineated in report # XXXX, is imperative. Failure to rectify the inaccuracies detailed below, which are attributable to fraudulent activities, will necessitate legal action through my legal representative. It is my preference to resolve this matter amicably, without resorting to litigation ; thus, I strongly urge adherence to the law. Kindly expunge the following fraudulent entries, which were initiated without my authorization or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which, to my knowledge, does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please be informed that you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Debt collection

Repeatedly keeps calling early in the morning. After I told them Im XXXX patient and have no money. Do not call and sent it in writing. They have ignored my request of do not contact me.