23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I contacted Equifax to purchase a Credit Watch Product from them. The first rep I spoke with, XXXX had me on the phone for 53 minutes after I gave him my debit card info to make the purchase. He checked in periodically to tell me to continue holding as he was having system issues. After 53 minutes the call was disconnected. I called back and spoke with XXXX. Again told to hold and the line was disconnected. I called back and spoke with XXXX and she told me I needed to send copies of my social security card and drivers license. I advised her I had already sent that in. They have it on file. She said there was nothing she could do but transfer me to XXXX XXXX XXXX. I asked if my card had been charged and she said she could not tell me that and transferred the call abruptly to them. The lady I spoke with, XXXX said they did have the docs on file already but I would need to speak with Personal Solutions to order the product. I advised I had spoke with 3 people in that department already. She said they were 2 different departments and they could not communicate with each other. I got no resolution at all. The information belongs to me but it as if they are holding it hostage and making it impossible to get. I have a job offer pending receipt of this information and do not want to miss this opportunity because Equifax is fraudulently withholding my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/ Ive contacted Equifax almost every day twice a day to remove a security freeze from my credit report in order to refinance my mortgage. Ive debt with some fraudulent activity in the past so I like to keep my reports locked until I need them. Ive been told itll take 24hrs, then 72hrs but the freeze still remains. I pay a monthly fee Equifax XXXX to access my reports, monitor my credit and lock/freeze my reports which Ive tried to do manually myself. Equifax gave me and advance ticket # on XX/XX/XXXX and promised to give me a call within 3 days with a resolution, Ive yet to receive a call, and my Equifax report remains frozen.
Product: Credit card

CAPITAL ONE IS STEALING MONEY FROM MY CREDIT CARD! {$320.00} DO I HAVE TO REPORT CAPITAL ONE TO THE FEDERAL LAW ENFORCEMENT FOR FINANCIAL CRIME? 

First, the sick people working at Capital One corporate intentionally closed all my credit cards to damage my credit. But, that was not enough to satisfy their ego. So, then they started adding false fabricated dollar amounts to my credit cards to squeeze money from me, and damage my credit further. Capital One did not stop there. These white collar criminals at Capital One are now trying to steal money from my closed credit card. I received a refund from a merchant, and asked Capital One to issue me a check with the refund amount {$320.00}. Capital One supervisor said sending a check for that refund amount is not possible at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Product: Debt collection

I have reached out to WFXXXX XXXX and requested information in which I have yet to receive a response. WFXXXX XXXX is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Product: Debt collection

Company has been calling me since XXXX of last year and potentially beforehand. The have been using an auto dialer and call multiple times using different numbers even after i block them. I was eventually able to get some information from a representative. The were claiming to be from Student Loan Forgiveness Services and that they worked with the department of education, that I was supposed to have received an email, then they said that my FAFSA account was locked and they needed my password and username to unlock it, I was a little confused but refused to provide my password however they were able to get my password reset. They tried to get me to finalize some sort of forgiveness plan agreement that was supposed to be through the FAFSA website. However when I asked for an email and company name they refused to provide one. However with the help of another individual through a conference call, by calling them back using a number that was provide for their " senior loan servicer '' i was able to get their company name and address. This was the most recent communication with them. I have previously hung up, blocked them, told them not to call me, and have been on the Do Not Call Registry since 2008. The have at least three reports on the XXXX website stating that they have defrauded people. They are calling my cell phone and I have never solicited their business or asked /given permission for them to call me in any way.
Product: Debt collection

I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX. On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX  has removed those items, including these two accounts. So i dont know why XXXX XXXX is still listed on my XXXX and XXXX The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, an agent from Broadway fiance called me, and informed me, that if i just made one payment it would bring my account up date. As of today XX/XX/XXXX, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.
Product: Mortgage

Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.
Product: Debt collection

When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Product: Credit card or prepaid card

I had fraud occur in my account =to XXXX. I researched with the places where the fraud occurred and they informed me that a female made the purchase age being from about XXXX years old. Stated she purchased an XXXX XXXX x repeatedly. All in all I contacted the debit card company and they refuse to refund the charges back to my account. They say I need to work with the merchant. A case was filled and then closed not in my favor. Dates of dispute was XX/XX/2017 case opened case closed XX/XX/2017. Under regulation e Im not responsible for unauthorized use of my account except 50 .
Product: Checking or savings account

I had someone try to purchase my vehicle I told them if the check was good that they can drive off with my vehicle. I tried to do mobile deposit and it didnt take. I went into the bank and tried to deposit it and was told no that it was a fraudulent check. Mad that someone was giving me a fake check I was informed later that my account was closed due to security suspicion. When I was asked for information I wasnt given that. They asked for a police report and was given that and still closed my account based off of one bad check. After pleading and crying for help from them they was neglecting me and didnt care about me and chose to just not hear me out. I felt like a kid being thrown away into a group home.
Product: Money transfer, virtual currency, or money service

My PayPal account is used for my business in which I sell XXXX. Almost all of my orders were ran through PayPal or XXXX ( In which I have over XXXX confirmed sales ). I sell under a XXXX XXXX called XXXX where I have various vouches that I am a legit seller. 

My PayPal account was randomly put on hold and my balance of over {$1400.00} was put on hold. As a small business owner this hurts my operations a lot. 

TO add on to this before completely locking the account PayPal requested proof of shipment for each order which I graciously provided without an issue. Every order was shipped and delivered in a timely and safe manner. Despite this my account was locked, my funds are no longer accesible all for a reason I have yet to find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was in forbeatance but my credit report for that time period shows late payments I tried co texting the loan provider to get it fixed and they said they dont correct information with credit reporting agency. I tre IED credit reporting agencies and they didnt change it either
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I noticed an unauthorized transaction on my Coinbase app in the amount of {$6800.00}. I notified Coinbase immediately by their phone system which only allows you to notify them if your account is suspected as compromised. I received an email from them on the same day, acknowledging the unauthorized transaction. The next day an ACH debit was initiated from the bank account that I have on file with them, but as the account never has that amount of funds in it. It did not go through. I notified my bank of the unauthorized transaction and the fraudulent use of my account and that the ACH should be stopped. They stopped the ACH and the funds were not taken from my account. On XX/XX/XXXX I received notice that fund withdrawal was suspended for my account. The next notification, on XX/XX/XXXX, was that they were recovering the funds from the transaction by selling the currency in the account. On XX/XX/XXXX, I was notified that 'recovery was complete ' and that 'account restrictions have now been lifted '. I have emailed on XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, hoping for any reply but have received none. They do not have a customer service line to speak with a real person involving my account. I am afraid that I have lost my funds in the account since I am still not able to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 I was made aware Someone made credit accounts in my name with creditors I did not authorize. Now I will attach a police report, FTC report, my old ID with renewal paper, and a phone bill that has my current address. every other address reporting is incorrect and needs to be deleted along with every fraud account I'm reporting. Per the XXXX  you have XXXX  days to delete these accounts. I will pursue legal litigation if needed to fix this issue of fraud. Please see attached documents with accounts and numbers that need to be deleted.
Product: Prepaid card

Dear Sir My friend bought a Macy 's gift card for me from the XXXX XXXX on XXXX XXXX, 2024 worth {$150.00}. I called Macy 's at XXXX to check the balance. They confirmed it was {$150.00}. However, when I went to Macy 's to use it to buy something, they told me that the Card has {$0.00} in it. They confirmed that the money was loaded on it but was redeemed on XXXX XXXX, 2024. 

I never gave the card information to anyone other than the Macy 's helpline to check the balance. I have the physical possession of the card. I never parted with the card. 

Macy 's says that something went wrong so I should go back to XXXX to get a refund. XXXX says that card was issued and I should go back to Macy 's. I am not sure what to do now. Please help me out.
Product: Credit reporting or other personal consumer reports

These accounts are included in a data breach I'm a victim of identity theft. Please have these unauthorized accounts moved from my report
Product: Mortgage

In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.
Product: Debt collection

CFPB + The Best Service CO/XXXX  On a recent check of my credit reports I see there is a collection/charge off account from The Best Service CO/XXXX  saying I owe a debt of {$4700.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed below : University of XXXX Acct # : XXXX, Bal- {$1100.00} Date opened : XX/XX/XXXX University of XXXX Acct XXXX : XXXX, Bal- {$540.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$34000.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$1700.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$1300.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$370.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$140.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX, Bal- {$65.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct XXXX XXXX XXXX, Bal- {$1400.00} Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to FrontLine Asset Strategies LLC . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CREDIT BUREAU REPORTING : XXXX XXXX  ( XXXX ) - REPORTING NEGATIVE TRADELINES ON MY TRANSUNION CREDIT REPORT REQUESTING REMOVAL OF ALL NEGATIVE LATE MARKS
Product: Debt collection

This company reported that I have a collection from  XXXX  balance of  XXXX  from  XXXX / XXXX /  XXXX  .   The last time I had a phone bill with  XXXX  was 9 years ago! The last balance I had with  XXXX  was paid in full and the termination fee was to be deleted as the result of a dispute with the company 9 years ago.   This debt is not valid. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$7600.00} is reporting in error. I have tried Mutiple time to correct this matter. Please delete this item from my credit report.
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report i have reviewed that I have an account from XXXX XXXX XXXX that is not my account. I also believe this is a result of identity theft and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.