23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed my XXXX  's account in XXXX 2012 after returning faulty bedding, Sleepy 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX  's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


Account Name : XXXX  XXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Bank account or service

At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back.
Product: Checking or savings account

There was an atm withdrawal made for XXXX and I didnt make the withdrawal on cash app there was devices logged into my cashapp
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized hard inquiries on my credit report that werent approved. Kindly delete them.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act, I assert that the following accounts have breached my rights to privacy and confidentiality as established under 15 USC 1681 : XXXX Bank Delaware ( account ending in XXXX ), XXXX  XXXX ( accounts ending in XXXX and XXXX  ), XXXX  ( account ending in XXXX ), XXXX XXXX XXXX  ( account ending in XXXX ), XXXX XXXX XXXX  ( account ending in XXXX ), XXXX XXXX ( account ending in XXXX ), and XXXX XXXX ( account ending in XXXX XXXX The Act, specifically 15 U.S.C. 1681 section 602 A, affirms my right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A, Section 2, mandates that a consumer reporting agency can not release an account without my explicit written permission. Further, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from creating a report containing any adverse information older than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) dictates that no one should provide information about a consumer to a reporting agency if they know or suspect that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX I have no knowledge of this debt I did not receive notice of debt. I did not receive notifications of this debt. I no written contract with this agency. No validation of this debt. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am being abused and harassed by a debt collector from over 10 ( ten ) years ago! A judgement was entered against me in XX/XX/XXXX for a credit card debt that they bought from another company. The name of the current debt collector company is Hiday & Ricke , P.A . located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. The website is https : //hidayricke.com. The CEO is Attorney XXXX XXXX XXXX I sent them a letter dated XX/XX/XXXX offering to settle the debt for {$500.00} after I was sent a subpoena in XX/XX/XXXX to appear for deposition on XX/XX/XXXX. The debt collector sent me a letter back dated XX/XX/XXXX offering to settle the debt for {$1000.00} and to also send me a satisfaction on judgment. Unfortunately I did not have this amount at the time. In XX/XX/XXXX twenty-five ( 25 % ) of my wages were garnished without warning. As of today XX/XX/XXXX a total of {$5500.00} has been garnished from my wages. This debt collector refuses to settle the debt and instead wants me to pay them a grand total of {$15000.00}. If they were willing to settle the debt two years ago then why cant they make the same offer? My last communication with them was XX/XX/XXXX where I mailed a letter to the CEO of the company as well as sent to him on XX/XX/XXXX. He expects me to satisfy the full debt amount. You will see in my attachments how this is unfair and deceptive business practice on their part without mercy and regard for the consumer and my stressful condition!
Product: Money transfer, virtual currency, or money service

UPDATE TO XXXX PREVIOUS COMPLAINTS AGAINST COINBASE This is an update to XXXX previous complaints I filed against coinbase. See COMPLAINT ID XXXX THANKS for contacting them- all of a sudden they tried to fix the problem BUT just ended up STILL trying to make my access to my funds difficult by doing the following : 1 ) FIRST they said they could allow me to tranfer my coins to another database becaue I hadnt updated my address in their system This is crazy because I NEVER had problems tranfring before BUT I complied and updated my address. 

2 ) They told me AFTER I updated my address-which I did- that my funds would be available on XX/XX/XXXX after XXXX pm XXXX. 

3 ) FURTHER HINDRANCE Well when I went into their database to transfer my XXXX it kept telling me it FAILED for invalid wallet! Ironically- this is the SAME wallet I used to transfer XRP from coinbase OVER and OVER for the past several years and even on XX/XX/XXXX ( see screenshots attached ) XXXX ) On XX/XX/XXXX I sent Coinbase the following email : Dear Coinbase PLEASE : Verify the following as accurate : I attempted to send my last remaining XXXX from coinbase to a XXXX service I have sent to MANY times in the past! Its XXXX of the few ones that accept XXXX Your telephone customer service agent indicated that you will not allow me to send to the XXXX XXXX address below. This address is the same service I used to transfer XRP from coinbase over the years AND as recent as XX/XX/XXXX. Why all of a sudden I can not use this address? Her explanation made no sense. She said I nevr used this wallet address before- which is a lie- and EVEN SO- Are you saying that if I didnt use a specific address to send XXXX to in the past I can not use it now? Sounds like what she was saying but I want it in an email written explanation. 

COINBASE RETALIATION : In retaliation for filing complaints agains Coinbase with goverenment agencies, you first block me from my bank account. Then you tell me I need to update an address ( although I changed this address with you previously and sent ID after ID showing my XXXX  address, with Coinbase successfully verifying these addresses ) before withdrawing my last {$100.00} of XXXX when I transfered over {$6000.00} worth of XXXX with no issues XXXX weeks ago to this same XXXX database. 

I complied with your request and updated my physical address in your databse. 

NOW you are making my attempts FAIL to transfer my wallet from coinbase to a service I have used over and over to transfer XXXX from coinbase over the last few years- the ONLY service I used to transfer XXXX from coinbase up to XXXX weeks ago! 

This is plain and simple -- retaliation. 

You guys refuse to stop the games and messing with my account so I'm gon na have to continue to keep the authorites informed of what is going on. 

Please send me a detailed email explanation as to why you are not allowing me to send my XXXX to wallet address XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted to Transunion XX/XX/18. I received a letter from Transunion dated XX/XX/18 that was postmarked XX/XX/18 requesting proof of address and identity. With my original dispute they received my military id which has my social security number on the front of it and a letter from social security & veterans administration with my address. Now they want a bank statement as on of the forms. Who in their right mind would send a bank statement. This is nothing more than a stall tactic to get additional information and extend their time for investigating. This is a unreasonable request and unnecessary. Transunion is in violation of the FCRA.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/XXXX I received a letter from Fulkerson & Wing P.C. stating that I owed {$4700.00} to a 3rd party and I needed to submit payment. The letter was dated XX/XX/XXXX, with a postmark of XX/XX/XXXX. Included in the letter was a model petition to the court - an official looking document that, when combined with the text of the letter, comes across to me as a threat of legal action. I immediately called the firm and was told to send in my dispute via email and call back on Monday because the speaker was not in the office.

I feel that the letter text and inclusion of the model petition violates the The Fair Debt Collection Practices Act by deliberately attempting to intimidate and mislead the least sophisticated consumer. While the letter text is careful to not to directly say that firm is taking you to court, it does go to lengths to let you know what could happen if you are taken to court.

In my opinion, this tactic is a threat of a law suit that the firm has issued at a stage in the process where they have not collected enough information to determine if they intend to file a petition.

I am not certain if this constitutes a violation of the The Fair Debt Collection Practices Act, but I know it feels like a violation against my rights to not be threatened by an entity attempting to collect a debt.

Please find a copy of the letter and model petition attached to this complaint.
Product: Debt collection

Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. 
-Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Trans Union XXXX XXXX XXXX XXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my XXXX XXXX Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Mortgage

My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I am writing for the FINAL time about this right here. 

TRANSUNION is violating the law and me as a consumer! 
A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a! 
TRANSUNION is reporting my personal private information and I want it deleted from my report immediately. 

These are charge offs and should not be on my credit report period. 

What I am asking for is LAWFUL. I dont even know why I need to go quoting the law when you know it and should be holding these institutions account when they are violating consumers. Especially for the consumers that have already been consistently reaching out!
Product: Checking or savings account

I am trying to manage my finances more closely, one way in which I can do this is via a website called XXXX. They help monitor your accounts for extra charges, overdraft fees, etc. but obviously require access to your account to keep on top of it. For some reason, Capital One are blocking this external website from accessing my account. I am trying to use this site to access MY own data, and I feel it is totally unreasonable they are stopping me managing my own affairs in a manner I would like to.
Product: Credit reporting or other personal consumer reports

Please see attached doasfcuments. Do not close this complaint stating it is not me. I am a natural person and a casfonsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an extended fraud alert on my equifax credit profile. There are two fraudulent inquiries listed on my credit profile that I did not authorize. XXXX and XXXX. I am requesting that these fraudulent inquiries be removed from my credit profile ASAP within 4 days of receiving this complaint. I have filed a ID theft affidavit and I am contacted my attorney if not removed I will file a lawsuit against equifax due to their security breach!
Product: Checking or savings account

Wells Fargo was charging my large expenses first and then running every little charge even though they should have went through first so they could hit me with as many overdraft fees as possible. After going to the bank and getting some help but that's when I realized what they were doing. Not long after getting some of the XXXX fees dropped it started happening again and put my account in the negative during COVID-19 and I didn't have a job because they had shut down the 90 day XXXX I worked for, I hired a company that was supposed to get all the fees refunded and it would have put my Wells Fargo account back in good standing. But while the company was negotiating with Wells Fargo about all the fees I received Wells Fargo closed my account with no worming and the only thing that they said was that the account was in the negative and that they had the right to close it. They only decided this after I hired this company to work with them to refund all of the overdraft fees and they were expecting Wells Fargo to work with them and once they closed the account there was nothing else the company could do. I have seen many lawsuits against Wells Fargo for this exact same reason and I think I deserve to have those fees dropped and a check from Wells Fargo to open up a new bank account that I can trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to re apply for a deferment I sent emails with the required documents, but  Navient  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is    XXXX   XXXX  -   XXXX   XXXX
Product: Credit card or prepaid card

I was stuck waiting for a new Capital One 360 debit card for 2 weeks. I needed {$100.00} in cash, and called about using my Quicksilver card for a cash advance. The customer service representative clearly explained that interest started accruing immediately. This was fine by me, since I had money to pay the balance off immediately from my Capital One 360 checking account. 

However, upon using the card for {$100.00} of cash advance, I have been unable to pay off the balance. The cash advance charge was made on XXXX, but on XXXX, the charge is still pending. I called to try and pay the balance, but the representative confirmed that I started paying interest on the XXXX, and the XXXX. However I would be unable to pay off the cash advance until it finished pending and appeared on the balance. This is most likely to happen on XXXX. 

It seems very predatory that I am paying interest for 3 days, and have tried to pay the charge, but am not allowed to pay it until it settles in Capital One 's system.