23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity Bank Calls from different numbers repeatedly I will do a request for each # separately here are Dates and times for the XXXX phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's 8 calls in a 3 day period. Other numbers called on same days different times I will report those as well.
Product: Credit reporting or other personal consumer reports

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

This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the previoues CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts 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 any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : {$0.00} 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  XX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.
Product: Credit card or prepaid card

XX/XX/XXXX.

My wife applied for J.P.Morgan Chase Sapphire Preferred Card at the end of XX/XX/XXXX.

The decision to apply for this card is based on Chase 's promotions : 1. XXXX points after spending {$4000.00} at the first 3 months ; XXXX XXXX additional points for adding authorized user ; 3. {$0.00} intro annual fee, {$95.00} after 1st year ; However, when we received the card on XX/XX/XXXX, we saw there's this charge of {$95.00} annual fee dated XX/XX/XXXX already showed up in the account.

I called Chase 2 times and both 1 tier service agent and her supervisors refuse to honor the promotion shows in the screenshots attached.

XXXX
Product: Credit card or prepaid card

I agreed to pay shipping charges only for free samples of facial cream and gave the company my credit card number. I received the sample and didn't order any more of the product as it was not something I wanted. Beginning XX/XX/2020 and XX/XX/2020 I was billed on my Citicard the amount of {$94.00} from XXXX and {$97.00} from XXXX. I immediately contacted my credit card company and contested the charges with the promise that it would be investigated and to not pay the charges. The following month on my XXXX bill, I received the charges of {$99.00} from the XXXX and {$100.00} from XXXX. I tried calling both companies both months and received no answer.I also contacted the credit card company and spoke at length with them once again. In between these, my account was closed and another opened. The bank had sent the closed account to collection and I spoke with them, also was told not to pay the contested amount. At this point my protest has been denied by the Citibank and I was told I must pay the full amount plus interest and late charges. Case closed by the credit company. I did receive a second shipment of the facial cream and returned it immediately and was told my account was closed. The CitiBank is now threatening to report me to the credit reporting companies and therefore wreck my credit rating. XXXX, XXXX XXXX XXXX and XXXX  XXXX I have NO product what so ever for any of these expenses being charged. Not only have I been charged for items I did not order but the credit caard company will not support me in this matter,.
Product: Student loan

Since XXXX I have been paying student loans! I was put in default and wages were garnished when I should have been taken out of default after 5 years. I never got a call, received a letter regarding my loan status and or what my loan balance was. Since then I have paid XXXX! and still had a balance of XXXX! I applied for PSLF because I have been XXXX since XXXX and supposedly I was awarded that and am XXXX payment over the XXXX. I deserve a refund. I also am owed the XXXX in over payments which every month I paid XXXX a month, ( XXXX ) the fact that I never received information, payoff amounts, or any other documentation regarding the status of my loans is unacceptable! I nearly fainted when I saw the XXXX in total payments provided by my employer and to still have XXXX left! My school didn't even cost half of that! I could have applied for the loan forgiveness when I started XXXX but never got information. I have been misled for XXXX years regarding these Federal Loans! The financial strain this has put me in since the garnishment has been emotionally warring. I was robbed by the Federal Education System. Federal Student Aid made thousands of dollars off of my interest and not to mention late fees and penalties. I expect a refund for the XXXX in over payments and some if not all of the XXXX! I have called so many people and all the loan serving companies that were assigned to me have no idea where my payments are and or where they went to! I have documentation from my employer and will provide that to you. I have worked all my life, been on my own since I was XXXX and to have the Federal Government rob me of what I deserve is just horrible. I need help regarding this unfortunate situation. Feel free to contact me at XXXX or XXXX I look forward to hearing from you and recouping money owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint for the fourth time to follow the dispute of the remaining fraudulent inquiries that are currently reporting in my XXXX and Equifax credit files. Despite my 1st and 2nd attempts to have these errors corrected over the past several months, the fraudulent inquiries still remain. As a consumer protected under the FCRA, I have the right to accurate and up-to-date credit information, and I request to the XXXX and Equifax Credit Bureaus that my rights be respected. It is unacceptable that these fraudulent inquiries continue to appear on my XXXX and Equifax credit reports. Once again, it is obligatory that these fraudulent inquiries are fully removed immediately from my credit reports. I request the following inquiries to be promptly removed from my credit report : XXXX : XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX : XXXX XX/XX/2022. I will again remind XXXX and Equifax, that credit bureaus are required to investigate and respond to consumer disputes within 30 days under the FCRA. However, it has been over several months since I initially reported these issues, and I have not received a satisfactory resolution. This delay has resulted in significant financial harm to me.
Product: Debt collection

I woke up to this and i have no idea what this collection is
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX REFUSED VALIDATION REQUEST AND INSTALLED INQUIRY ON MY CREDIT. IGNORED CEASE AND CEASE, PAID ORIGINAL CREDITOR.
Product: Checking or savings account

Ive had my savings account with US BANK since XX/XX/2009 and have never been advised of the federal regulation D which states I can only make up to 6 transactions with my savings account otherwise Ill be charged a fee. It has almost been 10 years that I have had this account and no one has mentioned this detail. Also, while using their app to transfer the funds there is no warning to me as a client that a fee may be assessed after the 6th transaction. I was charged {$30.00} total, so I made XXXX transactions within this cycle. When I called to have this refunded and stated I had no idea, they refused. It should be the banks job to provide this information to their clients. I dont work in the banking world and I was not aware of this law when I was XXXX years old.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX {$680.00}
Product: Credit card

I am writing to formally dispute an unauthorized charge on my credit card account I did not authorize this transaction, nor did I receive any goods or services related to it. 

This charge was made by a former employee without my permission. As soon as I became aware of the unauthorized use, I took immediate steps to secure my account. I request that this charge be removed from my account and that a fraud investigation be conducted. 

I kindly ask that you respond to this dispute in writing and confirm the resolution as soon as possible. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this unauthorized charge.
Product: Consumer Loan

I paid my vehicle off and received the pay off letter from Santander Consumer USA on XXXX/XXXX/2015. The letter states to allow 30 days for the credit reporting agencies to update their records. As of today 's date, XXXX XXXX, 2015, XXXX shows the account as a Repo with an out standing balance? The vehicle was taken XXXX XXXX and I picked it up the same day? The following month it was paid in full. Santander credit dispute department states they forwarded the information to all XXXX credit reporting agencies. XXXX is saying they never received it? The 30 days to update has passed. I would like for the status of that account to show " Paid in Full ''.
Product: Debt collection

XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX {$12000.00} Debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX, XXXX XXXX account number $ {$15000.00} XXXX, DEPT OF EDUCATIONXXXX account number # XXXX, total amount {$20000.00} has violated my rights. Account Info Reference Number XXXX Court US BKPT CT XXXX XXXX Original filing date : XX/XX/2021 Latest status date : XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus Experian, XXXX XXXX and XXXX did not update my addresses and remove them off my credit report. I filed a dispute with each XXXX of them. Its been XXXX days and I havent received anything no word nothing and these addresses are incorrect and some of them are over XXXX XXXX XXXX.
Product: Debt collection

Augusta Collection Agency is vicious. I contacted them to pay once I found out the bill existed ( someone else actually used my credit card, but I wanted to pay it so it would not hurt my credit ). Augusta Collection Agency messed up the information I gave them to pay the bill. So, they called me, but my friend answered. They discussed the debt with this third party. Then when I called and complained the woman was rude to me. I asked for the manager and he got on the phone and was worse. He yelled, was profane and threatened to refuse to accept my payment and send the bill to collections, if I did not apologize to them. He was lying to me, because I did not know at the time it had already been reported on my credit. So, I had to apologize to them for them to accept my payment, even though they were in the wrong. They are horrible, XXXX people.
Product: Debt collection

I keep getting calls from RABTX.COM for a debt I do not owe. I have no idea who this company is or the debt they are referencing too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Money transfers

NOT ABLE TO ACESS REFUNDS FROM FTC RULING AGAINST GOOGLE DUE TO FUNDS SENT TO CLOSED ACCOUNT. 
I have over {$700.00} in refunds from the FTCs ruling against google for unauthorized in app purchases. According to the ruling if the original funding source is not accessible or closed google is to send a check for the amount of the refunds. Google has failed to do this and sent the refunds to XXXX google play accounts that have been " permanently closed '' according to them, for over a year now. I have been emailing the Google play support team and the wallet support team trying to get a check issued to me for over a month now and keep being told that there working on it.. This is unacceptable
Product: Consumer Loan

Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.
Product: Debt collection

Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report. 

I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible. 

This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information. 

Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.
Product: Debt collection

I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.
Product: Checking or savings account

I was cut off from my *substantial* funds by Capital One, with no warning, and for no good reason. Then, when I went to the branch in person, with ID, they refused to let me unlock my account to get my money. They would not even tell me why they locked my account. Turned out it was all their mistake. Details : I have a joint checking account with my wife, and I am the primary user ( I pay the bills ). We had plenty of money on the checking account ( more than {$30000.00} ). I tried to pay a bill in the amount of {$3300.00} ; a small amount compared to our cash balance. The bank informed me that THE ACCOUNT HAD BEEN LOCKED, AS OF THAT DAY., and that my check would not be sent. 
When I tried to unlock my account and access MY MONEY, I was told by Capital One that they were unable to do that. Also, they sad that they *could not even* tell me why the account had been locked. They said that only my wife could be told the reason for the account lock, and only she could do the steps to unlock it. I was therefore unable to access and spend my own money. 
Finally, my wife called Capital One, and after waiting on hold for 50 minutes, she was told that the bank had locked up our account because she had not yet responded to a snail mail letter ( no phone call, text message or email was ever attempted ), that asked her to verify her address ( which by the way, has not changed in years, and was already on file at the bank ). Cap One never tried to reach either one of us to say that our account was about to be, or had been, locked. NO! They just sent a letter that we never received - ONE SMAIL MAIL LETTER - asking for address verification, and then when they felt we had not replied, to a single snail mail letter, they froze our account and caused significant damage because we could not pay our bills. 
They say that their terms and conditions allow them to do this, but this is illegal,
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I executed a wire transfer deposit from my bank account at XXXX to Coinbase, Inc. in the amount of {$50000.00}. Coinbase states " Bank wires often arrive the same business day if sent before the cut off time for your bank, otherwise they will arrive the following business day. '' I still have n't received the money in the Coinbase account. 

After numerous attempts to engage their web-based support portal, all I got was a few automated or completely meaningless responses with no resolution in sight.
Product: Debt collection

After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.