23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2023 : I received a phone call from a spoof number from a XXXX XXXX XXXX. 
When they asked for my name I said who's speaking? They immediately hung up. I called back 12 times that day to a XXXXXXXX XXXX XXXX in the name of XXXX XXXX XXXX 

I asked who are you? He said one second put me on hold. Then hung up. I called back again, the moment I got him again and he knew it was me so hung up 9 more times. 

Then the XXXX and last time, he finally had the XXXX XXXX to stay on the phone longer than more than he can last in the bedroom from what all the XXXX he attracts. He threaten to garnish my wages and gained personal information from me. Not really questioning if this really is the person or not. For all he knew it could have been someone having a bad day responding " YES '' ( Also probably the first time he heard that, too if you know what I mean. ) to all the answers that he wanted off the phone call. Then he said " XXXX XXXX '' and we're going to take you to court. So little XXXX XXXX XXXX XXXX' over here failed to realize, him being a third party debt collector just committed some pretty gnarly stuff. 


Number 1 is : Identity Theft. 
Since " XXXX XXXX '' over here used a lawsuit threat ( 42 USC 12203- Prohibition against retaliation and coercion ) over the phone with wage garnishments as well. That falls under per 18 USC 1028A : Aggravated identity theft, in which, I will attach that law down below so EVERYONE can see it as well. Which will also be attached below.

Number 2 under PA statute title 18 USC 4120 which states what happens when you steal someone's identity due to the fact if you're going to file a lawsuit which goes hand in hand pursuant to 26 USC 2032a 11 which would be needed first which if they don't even do that. That would lead to a due process violation that would fall under 26 6903 ( a ).

That's all I have to say for this one. It's been fun to play this game of XXXX, right " XXXX XXXX '' As XXXX XXXX would say and do XXXX hits him with the fake to the left twist, spins to the right and shoots. GAME WINNER with XXXX second on the clock baby. xoxo
Product: Money transfer, virtual currency, or money service

My coin base was hacked and there was fraudulent activities making transfer on blockchain which I never sign up or open an account for.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 someone did a transfer money without my authorization from bank of America to a saving or checking. on the week I have notice by card has been lost since I don't check my balance often I notice on the XX/XX/21 my whole money was gone from my visa prepaid by XXXX and I did a claim and a police report and bank of America didn't send me a letter notify who did the transfer on my account now they denied my claim please help
Product: Vehicle loan or lease

I have a vehicle loan from Exeter Finance LLC. For some months I struggled to pay my loan on the due date and they started applying late fees but at an amount higher than the contract said. The contract said that the late fees would be up to 10 % of the late amount. The amount charged was way up to 10 % on the contract. This month I could pay any remaining late payment in FULL but they keep charging a mystery amount of XXXX {$99.00} late fee that in any way is according to the 10 % of the contract. On top of that they are charging XXXX {$19.00} of the " past due amount ''. But which " past due amount ''? I paid in FULL what was late ''. After paying the previous payment in FULL ( that already included late fees ) it still appeared as a XXXX {$99.00} late fee. I made a second payment only for this " late fee ''. After that, they still included this XXXX {$99.00} in my next payment, but not for this month, for the NEXT month ( XX/XX/XXXX ) because the system KNOWS that I am NOT late! According to the contract for this XXXX {$99.00} late fee, my late payment should have been XXXX {$990.00} and that NEVER happened! They know that I am NOT late because my next payment on their website is set to XX/XX/XXXX and not XX/XX/XXXX, even then they are still charging undue late fees!! I tried chatting with them twice but when I tell that the subject is about the undue late fees they immediately ask to call ( XXXX ) XXXX because they had " limited resources to deal with that subject by chat ''. So the chat is useless. When I called that number neither option fit my need to complain about the undue late fees! I then searched the Internet for other complaints about this company and found several other people with similar problems!
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Update Personal Info : DELETE NAME : XXXX XXXX. DELETE XXXX  : XXXX XXXX. 
DELETE FORMER : XXXX XXXX. DELETE ADDRESS : XXXX XXXX XXXX  ADD ADDRESS XXXX XXXX XXXX XXXX XXXX NY XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX ADD NAME : XXXX XXXX. ADD EMPLOYER : XXXX XXXX XXXX XXXX.
Product: Bank account or service

ILLEGAL & CAPRICIOUS SEIZURE AND HOLDING OF CONSUMER FUNDS : Netspend Corporation ( XXXX ) has seized funds on our card and do to errors refuses to release the funds, allow us access to the account, allow us to make corrections on the account, or give us any possible way to get our money. The money was loaded into the account using XXXX XXXX 's re-load service. XXXX refuses to help. XXXX uses XXXX to reload cards. XXXX can not help us refund the money. 

DISCRIMINATION : It is discriminatory to hold our money without any way to release it, correct the situation, etc. Net spend claims it is because we changed our address and they are punishing us for having to move. 

NO SUPPORT ACCESS BY CONSUMERS : Netspend customer service NEVER answers phones any more as they did when I opened my account over 6 years ago. It is impossible to directly reach to company to gain access to our money.
Product: Credit card or prepaid card

I had a dispute for an insurance deposit. But no one is providing me with the service and I wanted it to be disputed and removed from my account. It was decline. After re-contacting the merchant they tell me that there is nothing they can do and the apartment complex isnt helping either. My card company has refused and declined the dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX, I decided to take advantage of a balance transfer offer on my current Chase credit card ( Freedom Unlimited ) and transferred {$3500.00} from another bank. The website offer clearly states " 0 % APR through billing cycle ending in XX/XX/XXXX. Additional terms apply. The balance transfer fee is 3 % of the amount transferred with a minimum of {$5.00}. Respond by : XX/XX/XXXX. '' There is no fine print about the interest rate, nor any other links describing how this affects my current balance or fees on new purchases. I typically pay off my new purchases in full. 

OnXX/XX/XXXX, I was surprised to see an interest fee of {$14.00} on my statement. I had just paid {$2000.00} the day prior to pay off my new purchases. I contacted Chase and they THEN decide to tell me " If you take the promotional balance transfer offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ), you will lose that interest-free period. This means that you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' I am extremely angry at this. Had I known this BEFORE, I would not have done the balance transfer. With the balance transfer fee, it actually cost me more money now if I want to keep using the card. This is a waste of my time and money and extremely deceptive.
Product: Checking or savings account

am filing a complaint regarding the unexpected closure of my bank account, which caused significant financial hardship. 

Bank Name : SOFI Date of Account Closure : XX/XX/year> Date I Was Notified ( if at all ) : No Notification Received '' Amount Affected : OVER {$2000.00} IN CHARGES Details of the Issue : On XX/XX/year>, my bank unexpectedly closed my account without prior notice. I was not informed about the closure until i called in about my account being frozen " I was not notified at all ''. As a result, I was unable to make scheduled payments for essential bills, including Electric Bill, Rent, Utilities. 

Due to the unexpected account closure, I incurred financial damages : late fees, overdraft fees, declined transactions, credit score impact. Despite my attempts to resolve the issue with the bank, I have not received a satisfactory explanation or assistance in mitigating these damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit
Product: Debt collection

On XX/XX/2022 I was notified that XXXX XXXX a utility out of XXXX, WI, had placed a {$2800.00} bill in my name ( via collections ). I have never had a WE Energies bill in my name. My father was placed in the hospital due to XXXX. During that time I was placed on his bill as an authorized person to make payments only. I spoke with XXXX XXXX and they stated it may have accidently placed in my name but the only way to fix it was to file a police report. I called with my father and he also spoke with them explaining the situation to them. They have now added his name to the collections bill ( as an additional account ) but did not remove my name. We sent in a copy of his lease showing the address to the account had always been in his name. The company is still refusing to remove the account from my name. The collections name is XXXX XXXX XXXX.
Product: Mortgage

We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect information - 1 ) reported in XXXX 2 ) First Delinquent date incorrect XXXX 3 ) Account was paid - All the dates changed after that 3 ) Tried to fix with XXXX XXXX XXXX- They couldn't find it per the customer service rep. I was instructed to write a letter in XXXX and I did, no response was ever received, over 30 days to investigate. 
4 ) Reported to all the reporting agencies and they will not review old reports to see the issue. The reporting agencies are not following up, or requesting documentation for this error. 


XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.
Product: Credit reporting or other personal consumer reports

Transunion Credit Reporting Agency claim I XXXX XXXX, made a request, to delete and remove my credit card that was in good standing, moreover, the card in question was XXXX XXXX XXXX XXXX XXXX  ; offered by XXXXXXXX XXXX  The Reporting Agency stated I made this false request, I informed this that '' I didn't make any such request, moreover this was fraudulently done, without my consent or permission. The credit card issuer XXXXXXXX XXXX closed my account, as a result of this fraudulent request made by Transunion, furthermore, they further stated the card was closed and could not be open, unless I reapplied for a new card. This is very disheartening, and it made me feel powerless, because they failed to take any action to correct the erroneous mistake.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted Experian, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  Balance : {$750.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Product: Debt collection

The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : EQUIFAX MORTGAGE SER XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
Product: Credit reporting or other personal consumer reports

So I sent a letter off on XXXX XXXX XXXXTo remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX # XXXX XX/XX/XXXX -- {$2900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Back in last year I noticed that some charges were being dedecuted from my account from my JP Morgan CHASE checking account. After the discovery about XXXXXXXX XXXX XXXX I reached out to CHASE to have the issue resolved. After going over the charges I thought the charges were just made in XXXX XXXX XXXX, thats when the representative told me that charges from the merchant XXXX was made from XXXXXXXX XXXX XXXX totaling an amount of approximately {$13000.00}. A claim was successfully filed and waited 10 days for temporary credit while they investigated. During this time I went online and tried reaching out to XXXX via ticket request because thats the only way you can get to them, all my messages came back with a read receipt but no response. I requested that assist me with recovering the funds as I do not have a XXXX account. After 4 days of issuing the temporary credit CHASE reversed the credit with a conclusion that they charges were valid even after explaining to them that XXXX themselves cant prove that the account belonged to me. They closed my account afterwords with no explanation.