23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company bought a debt that is 11 years old, repackaged and falsified dates on it to appear as if the debt is brand new, and listed it on my credit report as brand new debt. No original documents were provided to the dispute through XXXX  as to the age of this debt. I have never been contacted by Diaz and Associates regarding this 11 year old debt. The name listed on the debt is a name I havent legally  had in 9 years, which was my legal name in XXXX when this loan was originated. My last name changed in XXXX, XXXX. That piece of evidence alone would give any reasonable person information to show that, as of XXXX, this debt is too old, and falls outside the statute of limitations for collecting and reporting. Looking at research, there are several instances from other consumers stating the same, that Diaz   and Associates buy old, uncollectible debt, fraudulently change dates listed in the account, and attempt to collect on debt which is outside of the statues listed by the Fair Credit Reporting Act of 1970. This is a clear violation of the Fair Debt Collection Practices Act of 1977, and should be addressed appropriately. My next step is to take appropriate legal action against Diaz and Associates and their owner through my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

*COMPANY DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS LIE AND ARE LAZY!. 1. Putting a collection on my credit report that is not my account. 2. Putting the same account that is in collection as a regular account two others items on my credit report. A TOTAL OF 3 times that XXXX is on my credit report and they refuse to remove any of them. I AM GOING TO SUE XXXX XXXX XXXX XXXX THEM. 3. Have never provided Method of validation or written signature for any of the accounts listed below. 4. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute 5. They have blocked me from disputing online because I complained on here. I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. Accounts I am suing them over : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, XXXX were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XXXX, XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted XXXX and XXXX and emailed me stating that according to XXXX and XXXX, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from XXXX and XXXX. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to XXXX and XXXX showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from XXXX and XXXX, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on XXXX and XXXX and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
Product: Credit card or prepaid card

I subscribed to service for {$1.00} trial fee and cancelled subscription very next day. I was still charged {$27.00} for a full month.My card refused to refund my funds.
Product: Debt collection

On XX/XX/2021, I received a phone call from XXXX from your company at my job. First, I have requested several times that you note not to call my job and family members. I was assured that no one would contact my job and family members to discuss my account. In writing, I would like to know why your company continues to violate the Fair Debt Collection Practices Act by calling me at my job after I have requested you stop. Also, I would like to know why you continue to contact my husband about the debt when he filed for bankruptcy. This is a violation of the bankruptcy law. Please let me know in writing why you keep contacting him at XXXX. 

Secondly, I informed the gentleman who called me on XX/XX/2021, that his company sent the letter stating a counteroffer to your letter. He tells me that no letter was received, and the amount that was an offer in your letter ( Please see the highlighted section in your letter for the offer amount ) was less than 10 % of what was owed. I am resending the letter that I sent you certified to know that you received the letter. 

Lastly, I have never dealt with a collection agency that is so unprofessional and continues to break all federal and state laws. I am requesting that you make no more phone calls to me or anyone else about my account. You may contact me in writing once you receive this letter. You may also contact me by email at XXXX. I would like you to send me what you paid XXXX XXXX or whatever company you purchased this debt from the amount you paid for the debt, and I would like to see a copy of your license from the State of Alabama. I am filing a complaint with the Federal Trade Commission and XXXX XXXX XXXX. Once again, please remove contact names and phone numbers from your records and cease making any more phone calls. You may contact me by mail or email only.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, Equifax and XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. Equifax says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and XX/XX/XXXX just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Product: Debt collection

I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged XXXX $ to repair my front bumper by XXXX in XXXX. When I picked up my car, they misaligned the holes for my parking sensors and didn't finish sanding down the edges. I then was told to come back and they would fix my bumper as they had painted an area that wasn't suppose to be painted. The manager ( XXXX ) at the place kept saying come back another date when they were less busy. Eventually I went down in person and they had closed that location. I then called the nearest XXXX which is in XXXX and they said there was nothing I could do and they didn't want to repair it. I opened a dispute with 5/3 bank saying the services weren't fully completed and they said that it was a valid claim and would not refund my money.
Product: Debt collection

An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX.
Product: Debt collection

Ive reached out to this company. 
This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and applied for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it. This is a result of identity theft not only has the lender or these people the debt collectors failed to give me one form of identification. The verification of debt that they sent me was just a print off of their computer screen saying I owe the money. Space they dont even know my Social Security number somebody went online and apply for an apartment complex in my name and never even moved in and theyre trying to collect {$360.00} for me years later when I have nothing to do with this I have a police report from the XXXX Police Department that verifies that I was a victim of identity theft and they still will not remove it.
Product: Checking or savings account

This is a complaint re Wells Fargo Bank and their obstruction to my efforts to close my account with them. They earlier responded to a complaint I made to the Washington State Attorney General 's Office ( AGO ), saying they would waive fees and represented that an account can be closed in several ways. All of which clearly turns out is untrue. 

I have since made efforts in-person, online, and by phone to close the account, all without success. They simply direct you to go to a branch location. I went to the branch located at XXXX XXXX XXXX in XXXX today ( XX/XX/31 ) and AGAIN requested to close the account. I was given more run-around about processing cycles and that the account could not be closed until XX/XX/XXXX. I was also ( falsely ) told the account can be closed on line, and/or to call the same number I had earlier tried only to be told to go to the branch. 

It is a never-ending run-around while Wells Fargo assesses fees against the account each month. They have since charged me another {$60.00} in fees ( {$30.00} per month for XXXX and XXXX ) since promising to waive fees and close my account. I obtained a bank check for the balance of my account on XX/XX/31, but was given more excuses at that time about why the account couldn't be closed. 

Again, all I want is to close my account and the ADDITIONAL fees they have charged since I first made this complaint ( {$60.00} ). I have screen captures of the website showing that there is NO option for closing accounts online as I have been told. The telephone line tells you to go to the branch and the branch always has some reason why they can't close the account, i.e. processing cycle, system down, etc. ( and they send you back to the telephone line ). It is total nonsense.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, we were approved and were funded for a loan with NetCredit. In XX/XX/XXXX, we had to close our bank account ( of over 30 years ) because of fraudulent activities ( someone tried to cash checks against our account ). I immediately started reaching out to all direct debit companies ( utilities, insurance, loans, etc. ). 

As you will see from attached correspondence, we reached out, followed their instructions, and still received late notifications. Despite my several attempts to have them follow through, these attempts were ignored. 

When I try to make payments through the website, I receive a message saying that we are not set up for automatic payments and we are unable to make payments online. 

I will be making similar complaints about two other online lenders. This issue may be endemic to online lenders because I did not have funding issues with any other online payment provider. 

Despite our repeated efforts to resolve the issue, we are being hit with penalties and late fees, as well as reporting to credit bureaus. I am going to file this complaint with every single source possible and I am hoping you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Prepaid card

I bought XXXX {$500.00} Gift card issued by U.S. Bank National Association at XXXX 's in XXXX, CA in XXXX. I still have the physical card, original receipt. I planed to gift them to my friend for his birthday. When I checked balance before I gave them out in XXXX, They were showing less than {$20.00} on each card. Some XXXX made purchased in XXXX, Rhode Island. I have never been there and I have my cards all the time. I called customer service, a rep shut down my account and my account was under investigation. I called them back in XXXX XXXX, the operator said my case was still in investigation and there was no time frame and there was no guarantee that I would get my money back. I am worried because {$1500.00} is a lot of money. Then I started to do research online. I found out there are a lot of gift card fraud in XXXX California and US bank has very bad reputation. Some victims waited 7 months but No one got money back after investigation. 

There are a lot of victims out there like me. I attached a blog link XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment errors inconsistent with my payment habits. Please address and update.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to fraudulent activity resulting from a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts removed from my credit file.

The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$8900.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$6000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$580.00}
Product: Student loan

I am the cosigner of my daughter 's loan. I realized in XXXX she was not making all payments on time, and at that time I contacted The National Collegiate Trust, and told them as the cosigner, I needed to know when payments were not made or were late. I asked for notification to be sent to me. To date I have NEVER heard from them. How can I make something right when I do n't know there was an problem? 

In XXXX, my now ex-husband and I filed a chapter XXXX and I do realize student loans are not covered, and they were not to contact me either while in bankruptcy. I just assumed my daughter wpildhave continued to receive bills, but she said she never did. 
I received my final decree for the bankruptcy in XXXX of XXXX. At that time I contacted my credit union so I could refinance my house. My credit scores were in the XXXX 's and XXXX XXXX. The mortgage manager contacted the senior underwriter and was certain I 'd be able to get a loan. In two weeks time my credit took a dump because of the student loan. Again I have heard nothing from them! 

My daughter was issued court papers and chose to ignore them even after I told her what to write, but I was not given any information about court papers. 
She was issued a judgement today, and the original {$13000.00} is now {$29000.00}. I was not named in the suit and have not received any information about past due payments. I found this out when I went on line to check my credit again and found missing and late payments for National Collegiate. I really do n't understand how I can make something right when I do n't know there is anything wrong. My daughter may, but not always, say something but it is always after the fact. 
It is WRONG that the cosigner is not made aware of what is going on!
Product: Credit reporting

A collection agency XXXX XXXX XXXX XXXX in XXXX, Colorado XXXX is incorrectly reporting to credit agencies that an item is in collection. That item was incorrectly reported and they said they were going to delete that information from my credit report. I have a letter dated XXXX XXXX from the collection agency indicating they were going to do so, but as of XXXX XXXX, XXXX, despite my repeated phone calls with them they still have not deleted the item so it is showing up as negative. They were also never able to provide me with a copy of any outstanding invoices to substantiate their claim, which was false anyway. There were rude and not cooperative.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, this account was opened fraudulently XXXX, 2021 and Ive sent in a police report, ftc report and now a cfpb complaint. 

They wont show any proof, but continue to report to the credit bureau monthly, this has severely damaged my credit and the ability to apply for credit. 

They are purposely updating this account and forcing it to be my account. 

Account name - XXXX {$4600.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX This is against the law!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX XXXX  ) XXXX ( XXXXXXXX XXXX ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative concerning a 30 day late payment that is showing on my XXXX and XXXX  credit report dated XXXX 2016, I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.