23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good afternoon, Ive been having an ongoing issue with XXXX XXXX XXXX for several years now and not quite sure what to do. I see that theyve been under lawsuit for the exact issue that Im dealing with. In XXXX my wife and I bought our first home in XXXX and had a security system installed by, then company, XXXXXXXX XXXX XXXX  Our contract with this company was two years. Two years later we were notified that XXXX XXXX XXXX was purchasing this existing company and we were asked if we wanted to renew a contract. We were selling the house and moving to XXXX so we told them to close our account once the terms were up. Once we moved to XXXX we kept receiving bills from this XXXX XXXX XXXX company, which has continued up until about 1 month ago. Since we moved in XXXX we would call and try to figure out what the issue was and why our account was still open and being billed. We would be placed on hold for extended periods of time, or we would be transferred to someone who wouldnt answer and we would leave a message only to never get a call back. If we would ask for them to give us information on the transfer of our old account from XXXX XXXX to this new XXXX XXXX account they would literally hang up on us. This scenario has been played out month in and month out since XXXX. On one occasion I finally got through to someone that actually looked into our account and he stated he saw in our notes where it said we were moving and sold our home and that upon safe homes acquisition of this other company, that our account was supposed to be closed at our request. He said he would push this through to be taken care of and I was very thankful. Unfortunately I didnt get his name and the next month received another bill. Now we have been receiving phone calls and letter mail from Hillcrest Davidson and Associates saying that they purchased the debt from safe home and that we now owe them the money in the amount of over {$4000.00}. They are threatening to report this debt against my credit report if it is not paid. However, this security company nor the original company we started with doesnt even show on my credit report. I have a credit score of XXXXXXXX and have never missed payments, have never defaulted on anything or even had a late payment on anything in my name. I am curious as to if there is any help or advice I can seek out on how to resolve this so called debt that I do not believe I owe. We stated we wanted to close the account, havent lived in the house since XXXX, had one person confirm this in our notes, and now we are being pursued by a collection company threatening to report my debt as a default or delinquent. This is terrible that a company would do this to people and I hope someone can give me any information to put my wife and I at ease. Upon further research of XXXX XXXX XXXX XXXX the attorney general of XXXX filed a lawsuit against them in XXXX for blocking customers from terminating contracts and that is the exact issue I am dealing with. 

Much thanks and with respect,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to apply for a credit card & multiple loan account
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity
Product: Bank account or service

I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.
Product: Mortgage

Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.
Product: Student loan

XX/XX/XXXX I received an email regarding my private loans and was wondering why my payment has increase again, I have been paying on this loan since XXXX and the balance has never changed, there are thousands of people not even paying there loans and they keep increasing my interest rates, how the XXXX can a person ever pay off their loans when they keep increasing the rates, then they don't even notify me of the changes. After XXXX  years of paying on this loan my balance has remained the same, never changing in fact it has went up instead of down, so these predatory lenders who give us money to education institutions are bleeding money out of us for financial gain, if I new that XXXX XXXX and Navient were such a scandalous institution I would have never borrowed a single XXXX from them because in XXXX  years they have made over XXXX dollars off of me and my loans are only XXXX, and my balance is still {$32000.00}, this is a crime, and I still have XXXX years to pay this off imagine {$370.00} for 156 months is the total of {$59000.00}, plus the already approximate XXXX I have paid, sad that I have to pay XXXX for loans that are only XXXX what a grand profit for Navient, what a scandalous institution the education sector has become, public or private loans does not matter. The government and these other institutions are stealing from the American people who tried to do better by going to college which has also become a racket, it is a XXXX XXXX shame that this country does not offer a quality education to individuals without having to sell our souls for it. I have XXXX loans that will never get paid I will be dead before I ever see a change in my balance, XXXX.
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Equifax due to me being a victim of identity theft and human trafficking, I have several items being reported on my credit in which they do not belong to me!! I have sent Equifax police reports and FTC reports, and they still will not remove the inaccurate information from my report!! 

The following information is incorrect : Addresses- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : WFHM ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Product: Student loan

Dates are ongoing I lost my home my work and XXXX XXXX XXXX XXXX Navient student loan services calls 6-10 times a day and today XX/XX/2022 started calling and harassing people the believe are family member which they are no I have sent emails and mail to tell them to not contact anyone else concerning this account. One potential employer pulled my application this morning because of the call. I have asked and asked written and told them not to contact or harass calls 6-10 times daily every day.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I do not give expressed written consent t or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TD BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX PLEASE PROMPLTY REMOVE THIS DATA WITHIN 4 BUSINESS DAYS PURSUANT TO 15 USC 1681-C-2 TO AVIOD ANY FURTHER LEGAL PROCEEDINGS. THANK YOU FOR YOUR TIMELY COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

XX/XX/24 Someone applied for a credit card using my personal information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax on XX/XX/21. They received it on XX/XX/21. They closed the dispute on XX/XX/XXXX. The results were the item is not currently reporting on my Equifax credit file however, XXXX XXXX XXXX is currently reporting on my credit file twice. I am attaching the certified mail receipt, a copy of my Equifax credit report where the two accounts are reporting the alleged debt that I am challenging and requesting to be permanently removed from my credit file. Equifax failed to properly investigate my dispute and therefore should be IMMEDIATELY removed from my credit file. 

This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and XXXX XXXX XXXX which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

There is another violation showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.

Also, Equifax make it extremely difficult to submit a dispute as a consumer their customer service agents are awful to deal with and will ask you for your blood type and still not be able to assist you with any matter. I am still waiting for a credit from Equifax for being over charged for their premier product that doesnt work as it should. It doesnt update once daily.
Product: Checking or savings account

I do my everyday banking with Bank of America. Back in XXXX, I set up an automatic monthly wire transfer to pay my rent of USD XXXX to my landlord. When I moved out in XX/XX/XXXX, I cancelled this automatic monthly wire transfer. On XX/XX/XXXX, I received a text message from this landlord informing me that they unexpectedly received USD XXXX from me. When I logged onto my Bank of America account, I confirmed the money was indeed withdrawn from my account. When I went to the page where one can set up automatic wire transfers, I found to my surprise that the monthly wire transfer I had cancelled was back ... as if I hadn't cancelled it. I know for a fact that I'd succeeded in cancelling it, because no money was was withdrawn in XXXX or XXXX. 

When I contacted Bank of America, they didn't help retrieve the money and they didn't even acknowledge their systems had malfunctioned. They simply instructed me cancel the automatic wire transfer again and to coordinate with the recipient to recover the money. I'm now paranoid that this will happen again. 

My hunch is that they reverted their systems to a back up they had, and in that back up, my wire transfer had not been cancelled yet...
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS.  On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I called XXXX XXXX XXXX to lock my card because I thought I had lost it but I found it. So I called them back to tell them that i found it and can they reactivate my card. They told me no and that I should have a replacement sent to the address on file. I said no because I would never get it because the apartments where I reside at, is bad I have been treated very very poorly. The mailboxes are open. They been vandalizing my cars, they constantly send harassing messages thru emails. But thats not the issue but you get why I dont want my card sent there. So I gave them my daughters address to send the card at her address but they told me no, they couldnt send to her address without proof that its me. But somehow they have let someone else change my account and do Lord knows what to it. If the prison man XXXX XXXX XXXX and XXXX XXXX did that cause theyre the ones whos been hacking on my phone and email account, thenIm going to sue if these people steal my hard earn money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX
Product: Credit reporting or other personal consumer reports

I recently was notified by a creditor to verify that I applied for a car XX/XX/2024 and I notified them that I am a victim of identity theft a few years ago and was involved in the XXXX  Data breach so they should cancel the application because I did not apply for any products or accounts. 
I noticed on my credit report that 2 fraudulent accounts were on my credit report and a few fraudulent inquires were reporting so I contacted XXXX XXXX XXXX and XXXX XXXX of the fraudulent accounts they said that it was verified that I own the debt I have requested from both companies to provide me the application with my signature but was told I cant get any information on the alleged debt that I owe because some of the information doesnt match. 
Attached I will show how XXXX reporting the XXXX XXXX Credit Card as a Authorized User and XXXX has me as Primary Individual.
Product: Bank account or service

I CALLED NETSPEND COPRORATION AFTER BUYING A NETSPEND PAY PAL CARD, IN WHCIH THEY TOLD ME THAT THEY COULDNT ACTIVATE A XXXX WOMENS CARD I BOUGHT THE CARD IN XXXX PAID XXXX DOLLARS AND PREPAID FEE TO PUT THE MONEY ON THE CARD IN XX/XX/2017, THE SECOND TIME I CALLED THEY CALLED ME A XXXX WHEN I CALLED AND I HAVENT GOT MY MONEY BACK
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, {$1500.00} was transferred via Zelle to an unknown individual from my XXXX XXXX bank using Zelle. XXXX XXXX said it was my fault I sent it to the wrong person and I needed to contact Zelle. When contacting Zelle, they said it was XXXX XXXX problem. No one wanted to try and retract the money. To this day Zelle denies anything and their representatives dismiss my call. XXXX XXXX has denied it as a scam.
Product: Checking or savings account

I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations I reported 60 days XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXX
Product: Debt collection

This company ( I C SYSTEM INC Account XXXX ) is stating that I owe XXXX XXXX XXXX. 
I never had an account with XXXX XXXX XXXX. 
I have disputed this item before and had it taken off my credit report once. 
This is the second time they have submitted that I owe them. 
My attempt to reach out to the company failed they did not answer the phone. ( XXXX ) I have disputed with XXXX  and this time they have verified this as accurate so it is still showing on my credit. 

I dont understand if this was disputed before and taken off how can they ( I C SYSTEM INC Account XXXX ) put it back on my credit. I fell this is harassment. 
Please advise