23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : LOBEL FIN XXXX XXXX XXXX XXXX This collection account is inaccurate because the collection agency, LOBEL FIN 3has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.
Product: Mortgage

I submitted a {$50000.00} additional payment to the principal account at bank of america. BOA miss applied to my payment and have not corrected it. I spoke to various level in the mortgage supervisory chain and know one has fixed the problem. my complaint control number is XXXX. I have spent more than 8 hours on hold waiting to speak to someone, know one is fixing my problem. I included a letter signed by me with specific instructions to apply the payment to principal. In addition, i wrote apply to principal balance on the check. This is probably my 5th or 6th extra payment with the same instructions included each time.
Product: Money transfer, virtual currency, or money service

My PayPal account ( which I never use ) was hacked and used to send a series of three " friends and family '' transactions to a stranger I have never met using XXXX currency. None of the linked bank accounts in my PayPal are active, so the account now says I owe {$63.00}. It never should have allowed my account into a deficit, as Venmo and other digital wallets only work if the transaction processes. Moreover, I tried to contact customer service, but because the fraudulent debt is in collections, they hung up on me when I provided my account information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name 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 card or prepaid card

XXXX XXXX, XXXX XXXX XXXXXXXX with older son to open XXXX to XXXX XXXX statement from TD BankXXXX The amount on this credit card was over {$4000.00}. I knew this was trouble because I did not make those charges. I went to a branch of TDBank the very next day to dispute these charges, XXXX XXXX I called Customer service on back of credit card. No results that day. XXXX XXXX called customer service again. Nice woman wenr through charges with me XXXX by XXXX. Told me it was fraud and switched me to Fraud. A woman from Fraud quickly looked at charges and said she had to switch to Dispute I waited for a reply but nothing. I kept on paying monthly payments because XXXX was my total. Adding Fraud {$2700.00} to account. 
TDBank kept sending new cards. My original card # XXXX, new caes # XXXX, another card I never received # XXXX People were still charging in XXXX. In the coming months no action from bank was taken. I went to another branch where the branch manager tried to help. TDBank gave me credit for XXXX charges but never considered original fraud. Called customer service they simply won '' t aswer. This is affecting my well being
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The  repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

XX/XX/2018 the amount {$1400.00} I sent a dispute through XXXX XXXX
Product: Mortgage

Guild Mortgage called me from XXXX today and had my personal information to ask me about a mortgage on a property. I do not now nor have I ever had a mortgage. I asked the representative his name and he gave me a fraudulent name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He also threatened to kill me. We exchanged insults until he hung up. This company has my PERSONAL information and let 's thier employees threaten people who aren't even thier customers. They should be shut down. Who knows what other fraudulent activities they have going on with people 's personal information and threatening to kill me is not a light matter. I tried calling back but it goes to an answering system for the co.pany
Product: Debt collection

I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.
Product: Student loan

XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} I had a total student loan at EdFinacial of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire remaining student loan balance. 

On XX/XX/2022 I spoke to a representative at edfinancial and requested {$20000.00} of my balance get refunded back to me and the loan balance be reinstated at edfinancial so that I can apply for the One time Federal Student Loan Debt Relief for {$20000.00} for which applications have already launched. I cant apply until loan balance of {$20000.00} gets updated in edfinancial and XXXX It has been more than 1 month now and I have not received my refund of {$20000.00} and I do not see my balance updated for {$20000.00} on edfinancial and studentaid.gov Side Note : Also the XXXX XXXX  page at Login has misleading information provided by edfinancial which says " You will have to wait until the end of next year XXXX XXXX to submit the debt relief application '' XXXX XXXX is the deadline by which to apply for student debt relief application and this is contrary information which states one can only apply after XXXX XXXX. PLEASE ask them to correct this as this can be misleading information for all student borrowers.
Product: Credit card or prepaid card

My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Date Subject : Dispute of Inquiries on My Credit Report ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally dispute certain inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any unauthorized, incorrect, or inaccurate information, including inquiries that may not have been authorized or were made in error. 
The following inquiries appear to be either unauthorized or inaccurate : XXXX. XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Inquiry Type : Auto loan. 
Scheduled to remain on record until : XX/XX/XXXX. 
2. XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
3. XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
4. XXXX Inquired on : XX/XX/XXXX po box XXXX, XXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
I request that you thoroughly investigate these inquiries in accordance with 15 U.S.C. 1681 and remove any unauthorized, incorrect, or unverifiable inquiries from my credit report. If these inquiries can not be verified, I request that they be deleted from my file and no longer reflected on my credit history.

Please send me written confirmation of your investigation and any updates regarding the status of these inquiries. I would also appreciate a copy of my updated credit report once this issue has been resolved. 
Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a few accounts on my credit file be investigated by TransUnion starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent severals follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Mortgage

List the house to foreclosure because they would not help or modify loan had paid monthly payments on time for almost 9 years and as a result lost the house and my husband XXXX XXXX XXXX passed away, XX/XX/2019 I now live alone in a Apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and before my husband passed away when lost house we lived in a XXXX rm.hotel
Product: Debt collection

CAPITAL ONE XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$720.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for help, the thing is i had this credit card from " XXXX XXXX XXXX '' and i paid off and asked to close it long time ago and it was disappeared from my credit report long time ago, from about one week ago i found my credit score went down because the credit card company reported that this card paid full but in late then i found the credit card appeared to be open which is totally odd so i am asking for help please thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has reported that I have a store credit card with them and it just hit my credit reports. I do not have a   XXXX   card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Product: Checking or savings account

The bank dont want to close my account. I visit 5 times the branch to close the account. The bank dont want to close my account. I ordered them to close my account giving a letter to the advisor of the branch and dont make any action. I email close order and they dont take any action. The ignorance of the bank has caused charges on my accout due to the bank irresponsability. I have transactions on my account undefined. I want every transaction defined with a name of the merchant amount and check number as required by law.
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Consumer Complaint Division Citibank XXXX XXXX XXXX, XXXX, Fl XXXX Account number : XXXX Dear Consumer Complaint Division : On XX/XX/year>, my tenant notified me she could not deposit her rent check in my account as usual. I called the bank to find out why and I learn that my account has been closed. They refused to tell me why and told me they will send a check with the balance to my last address in 30 to 90 days. They also told me that my ex-husband is on the account. I got divorced 3 years ago and I went to my branch to take his name off the account at the time. I told them that they had done a mistake and to please inform me what was happening. 
They refused to give me any information. 
72 days have passed and they still are retaining my money without an explanation. 
I look forward to your reply and a resolution to my problem. Please contact me at the address on this letter or at the email on this letter or by phone at ( XXXX ) XXXX Sincerely, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX Hello, I am filing a complaint regarding Gemini, a cryptocurrency wallet for trading and adding digital currencies. XXXX XXXX, XXXX, etc. 

About three or four months ago, my Gemini account got hacked and unfortunately I had funds I wanted to get out. I could not access my account and customer service has not been helpful. 

Between XXXX to XXXX this year, I have had multiple attempts of someone logging into my account and taking money out. In addition, I was going through a financial hardship and had a lot of late payments. Due to the late payments, one of the banks put a hold on my credit score that basically didnt allow me to open any bank accounts. 

So local banks wont let me open new accounts as well as other online banks. 

According to Gemini policy, I can only do a wire transfer or a bank transfer. No credit or debit cards can be made. 

Out of all bank accounts to this day that I have opened, none of them qualify for withdrawal and I am unable to receive my funds. 

I was very disappointed with XXXX decision to close my account. As I mentioned, my account got locked due to hackers taking over. I have maybe a little over {$50.00} in there currently. 

What shocks me is that Gemini says I am unable to know a reason why my account was closed. So apparently they closed my account and never tells me the reason. They claim its due to policy and confidentiality. I have been trying for months to collect the rest of the money I have in Gemini. 

To this day, I am UNABLE to open any in person bank accounts due to a credit hold. Local banks are the ones that let me do wire transfers. 

In summary, Gemini closed my account, with about {$50.00} of my own money, and I am unable to retrieve it due to some policies. 

In addition, I am unable to create any bank accounts that would allow me to collect the funds. The only way I can get the money is through wire or bank transfer, which I can not do and is something out of my control.
Product: Credit card

On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.
Product: Money transfer, virtual currency, or money service

Tried to contact cash app XXXX toll number for customer service and got no where. Account transactions got charged in double sequence for two or more transections.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I was a victim of identity theft through data breaches numerous times. There is a charge off showing on my account that isnt mine. I Contacted company for 1099-C as verification. Company refused. This is not my debt.