23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint # 1 - Merchants & professional Collection Bureau ( " the Company '' ) continues to close complaints opened against it, falsely alleging they are duplicates of a complaint they have already responded to, even though they have been repeatedly advised otherwise. By doing this, the company is engaging in an abusive, unfair, or deceptive practice, and is there for violating the Fair Debt Collection Practices Act ( FDCPA ). THIS IS NOT A DUPLICATE COMPLAINT. YOU MUST TAKE ACTION AND PROVIDE A RESPONSE. Complaint # 2 ( AGAIN, NOT A DUPLICATE. THE COMPANY HAS NOT RESPONDED TO THIS COMPLAINT. CLOSING THIS COMPLAINT BY FALSELY ALLEGING IT TO BE A DUPLICATE WILL RESULT IN LEGAL ACTION BEING TAKEN AGAINST THE COMPANY. ) Merchants and professionals collections has reported to all 3 credit bureaus that I have a debt in collection, but I have never done business with them or the original creditor, nor have either ever contacted me about the alleged debt ( which can be confirmed in their response to a recent complaint against XXXX, which the company erroneously responded to and stated " MrXXXX XXXX has never contacted us regarding the account in question. '' That Complaint # is XXXX. ) Since they have not contacted me they have also made No attempt to validate the debt or provide me the opportunity to dispute its accuracy, both of which are required by Federal Law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. Sample Reason XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Sample Reason XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Sample Reason XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby demand that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. I kindly request that any information the creditor is unable to verify be deleted. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the address provided above. According to the law, no fee should be charged for this updated report. Additionally, I would like to request that you notify any recipients of my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

XXXX XXXX had reported a frivolous collection on my credit report, that had frivolous charges associated with it for which I was about to file the attached lawsuit against them for. 
XXXX XXXX agreed to remove the account following notice of legal action, ( see attached letter of deletion from XXXX XXXX However now United Collection now is reporting the account. 
I am hereby serving notice to United that I am disputing this debt and I refuse to pay it and I will proceed with filing a suit in the even United continues its collection endeavors and reports this account on my credit report
Product: Debt collection

Federated Law group harrassing to collect a debt they purchased from their client, XXXX XXXX, XXXX closed the collection last year and it is no longer in my credit report, federated law group sued me and is demanding I pay back the debt plus court fees, I did not go to court ( 2013 ) so the judge ruled in their favor
Product: Credit card or prepaid card

There were over 60 unauthorized XXXX  purchases made by my XXXX year old son for digital in game currency and items through the XXXX XXXX. These were not authorized transactions. My son figured out the password and proceeded to impulse buy. Some purchases were upwards of {$400.00}. Since I found out, I deleted the games off my wife 's XXXX and reached out to XXXX and Chase. The total purchases amount to around {$5200.00}. Both XXXX and Chase have declined to reimburse the charges even though I informed both they were unauthorized charges made by my XXXX year old son. The total amount of {$5200.00} is staggering to say the least and it is unfair business practice for neither XXXX nor Chase to notify my of such unusual account activity. I have attached the following correspondents.
Product: Mortgage

We were supposed to receive one annual tax disbursement from our escrow account on or before  XXXX   XXXX , made out to us and the tax authority. That amount would have equaled {$3700.00}. Instead we received a check from  Franklin American f or {$750.00}.     Once we got a second tax bill in    XXXX  2017  --  and no check from  Franklin  -- we realized there was something wrong. They had paid us a quarterly payment instead of an annual payment. After many long, fruitless conversations with the service center, and one with a helpful ( and knowledgeable ) person at the corporate headquarters, we thought we had the issue resolved.     Without our knowledge,  Franklin  sent a check for {$2600.00} directly to the tax authority. We were literally about to mail a tax payment ourselves ( and consider hiring a lawyer ), since  Franklin  had never updated us as to the status of our tax disbursement.     This leaves a remainder of {$320.00} in our acco unt ( if  my math is right ) that  Franklin  should have sent us  four  months ago. We 're still waiting.
Product: Vehicle loan or lease

My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome
Product: Credit reporting, credit repair services, or other personal consumer reports

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
Product: Credit reporting or other personal consumer reports

American Express is rearranging the account to try to show the date of chargeoff as the first date of original delinquency, which is an error. I have requested proof of the original deed of delinquency and have not received it as of this date., XX/XX/XXXX. American Express is engaging in the action of re-aging the account so that it remains longer than the statutory limit of seven years from the date of first delinquency. The date of XX/XX/XXXX as the first date of delinquency is in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.
Product: Money transfer, virtual currency, or money service

XX/XX/year>XXXX  {$2000.00} was taken from my account that I was paying to my landlord and personal assistant I reached out to Zelle and unfortunately was told there was nothing they can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax data breach. Now there are a pair of fraudulent claims on my Equifax report attributed to " XXXX ''. For many months I have tried to get Equifax to remove the fraudulent items, but they refuse. They refuse to provide any proof with a signature. They will only say that they have checked with XXXX and XXXX says it is real. ( That doesn't prove anything. ) I filed a previous complaint with CFPB and Equifax waited two full months ( already a violation ) to say that it is real and once again provided NO proof other than saying XXXX says it is real. They need to remove it from my report. It is fraud and they are helping commit it. The reason they will show nothing with my signature is because it doesn't exist. 

They are repeatedly violating federal law by refusing to remove it. They are violating federal law by fraudulently claiming they investigated, which they didn't. I want to file a legal complaint against them. It is bad enough they gave out all my personal data in the data breach, but now they aren't even helping to clean up the mess like they agreed in the settlement. 

For the record, the other two bureaus agreed it was fraud and removed it. They aren't intent on breaking the law. 

I'm tired of going in circles about this. CFPB, please start enforcing the law. Don't allow fraud. Don't allow extortion through manufactured ( ie fake ) debts that never existed. Whoever is reading this : imagine if someone falsified a debt that you owe them money, with no proof, and reported it to the credit bureaus and said the only way it is coming down is if you pay the false debt. Now imagine one of the bureaus backs them up. That's exactly what is happening here and it is illegal. Equifax is breaking the law. Enforce the law.
Product: Debt collection

MRS BPO continues to mail me letters saying that I owe them money or they are attempting to collect a debt from me.
I have never done business with MRS BPO nor do they have a contact with their company containing my signature. I sent them a letter requesting a contract from MRS BPO   reflecting my signature and they continue to send me letters from  XXXX   XXXX   XXXX   XXXX  instead of documents showing my signature listed.    MRS BPO needs to produce a contract from myself to them with my signature as I originally requested. I HAVE NO CONTRACT WITH MRS BPO. MRS BPO  NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Debt collection

XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.
Product: Debt collection

I have tried over and over to request documents, a contract or any form of proof that the debt is mine. R and R Collections refuses to validate this debt. I have sent them certified letters month after month. I also have requested that the 3 credit bureas send me proof that this debt is mine. All I know is that its a " vet bill '' I have no further information in the amount of {$2000.00}. R and R collections did not send me an early warning notice so that I may have time to dispute. With out my knowledge they placed it on my credit bureas. dates I have sent over disputes to the bureas and the collection agency on the following debts. I sent them letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and as early as XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from  XXXX
Product: Credit reporting

Trans Union is not responding to my requests to investigate, verify and correct accounts in my credit report that are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureaus are violating XXXX XXXX of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw fiat or crypto currency from the platform Binance.us ( user ID : XXXX ) suddenly and for no apparent reason. I was able at least as of : XXXX XXXX USD XXXX. 
I have over XXXX dollars that I very much would like to transfer into my bank account. This issue is negatively impacting me financially and causing hardship. 

When I try to withdraw either XXXX or crypto, I am given a message that says " Withdrawals suspended due to risk management ''. I have done nothing to warrant a suspension. I have no negative balance, and none of the common issues described on the support site apply to me. One day it was working fine, the next it was not, with no changes made. I appear to not be the only person experiencing this issue when investigating forums such as XXXX. 

I have issued a ticket ( # XXXX ) with the company some time ago and have not received a response. Essentially I feel like my money is being held XXXX, and I have not been given any indication why. This has been going on for multiple weeks. I have tried to no avail at least once each day to withdraw funds. 


This is not an issue with my banking institution ( XXXX ).
Product: Credit card or prepaid card

I am a consumer holder of a Payfare prepaid card. This card is used by gig workers who work for XXXX, XXXX or XXXX to receive their pay. On XX/XX/2022 at XXXX I received a text notification that my account had been breached and I called to report the fraud immediately and freeze the account. While on the phone with Payfare I watched in horror as my account was drained by unauthorized activity. Payfare will not help and said there is no way to file a dispute or a claim for these unauthorized charges. They said it's in their terms of service they are not liable for any fraudulent activity but that is not what my terms of service says. They just read from a script and hang up. The next day, on XX/XX/XXXX at XXXX they allowed MORE fraudulent activity to happen on this account after they assured me the account was closed. They allowed it to go into the negative and continue to be scammed of {$1300.00} even after I had reported the fraud the day before. 

I have done a lot of research the past few days and have discovered there are hundreds, if not thousands of consumer holders of the same Payfare card who have suffered the same fate with zero liability or recourse. Payfare is in violation of the Electronic Fund Transfer Act and several other consumer protections in place to protect consumers from this type of fraud. 

In almost all cases, like mine, the card is secure in my wallet and I have never used the card online this is a breach with Payfare and they will not take responsibility or abide by the law in allowing consumers to dispute fraudulent charges in any way. The calls are forwarded overseas where representatives just read from a script that we have no rights or recourse for this fraud and then they hang up. I have recorded phone calls and all documentation. There are so many victims this really needs to be investigated by someone or an agency who can advocate for our rights. Please help? Thank you
Product: Debt collection

On XX/XX/XXXX I received calls at XXXX and XXXX. The calls were to collect a debt from XXXX from a company I had never heard of. I asked to receive a verification of the debt. He said it was already verified and sent to an email I have never used and did not recognize. I asked him to email to XXXX and told him I would call back. I told him not to call XXXX anymore because that is my wife 's phone. On XX/XX/XXXX I received a call again attempting to collect the debt. I told him I had not received the verification letter and until that happened, I couldn't do anything. I asked him to not call me or my family on any numbers and that I would call them when I received the verification. He told me he would call me whenever he wanted and that I couldn't tell him how to do his job. He said I already verified and acknowledged that the debt was mine and that I owed it. I told him that was not true. I then asked him to send the verification and told him that it was my right to not be harassed or receive phone calls. He told me I better do my research and pay my bills and then hung up on me. He then called my wife at XXXX and left a message saying he was talking to me but that we got disconnected and I needed to call back to handle my business.
Product: Credit card

My XXXX was denied for a purchase at Sam 's Club # XXXX XXXX XXXX, XXXX, OH XXXX on XXXX/XXXX/15. I went to the Customer Service desk and they called Synchrony Bank, the issuer of the card and handed me the phone. After verifying my identity I was told that an attempt to use my card was rejected and was asked if it was me that tried to place the charge. I do n't remember the exact amount of the charge in question but it was between {$100.00} and {$200.00}. I said no, that I did not authorize that charge and was then told my card was cancelled and that a new card would be sent to me. Upon reviewing my statement when I got home I noticed another unauthorized charge in the amount of {$1000.00} on XXXX/XXXX/15 to XXXX. I do n't have an account with XXXX and have never transacted any business with them. I called Synchrony Bank on XXXX/XXXX/15 about the fraudulent charge and filed a dispute. I did not receive a Fraud Investigation form but I did receive a letter on XXXX/XXXX/15 stating " After reviewing recent activity, we did not identify any unauthorized purchases applied to the account. '' and also " At this time we have concluded the fraud investigation and consider the matter closed. ''