23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed for a option trading course with XXXX XXXX XXXX in XX/XX/XXXX which they charged {$2900.00} paying, I paid {$600.00} Down and {$86.00}. a month. I invested {$5000.00} to start my account they claimed a 68 % successful trades. The trainer and owner XXXX XXXX recommended trades each day. I wasn't having success. Got a call from ( XXXX ) convincing me to come to XXXX and train, they guaranteed I would make money after the training. 
Went to XXXX on XX/XX/XXXX with about 8 others from across the US. Complete waste of time I also learned he did not research for a trade just pull I informed them I was not happy and wanted to cancel. I was told I owe the balance. Omega RMS is the collection Agency. OMEGA said I owe {$10000.00}, for a debt I signed for {$2900.00}. On XX/XX/XXXX I sent a certified letter requesting document that state I signed for a {$10000.00} debt. I moved to XXXX did not get the mail call and advised Omega to resend the information gave correct address. Received the mail nothing about the sum of {$10000.00}. only signature for {$2900.00} debt. I am attaching the copy of mail I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX  XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXX XXXXXXXX Balance : {$25.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I've notified the bank and disputed the charges but they held me reliable for the transitions and took the funds from my account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

At the beginning of XXXX 2016 I received a phone call from a collection agency stating that my Sears had been sent to collections. I had not been able to access any information about the card for a year, I had elected to get electronic statements but had not been able to see them for 14 months as of XXXX. I was paying my bill through the electronic payment service provided by my bank. I do not know how long it took to process the payments because I could not access a statement.
Product: Credit reporting or other personal consumer reports

I don't recognize The following address and account attached to it I would like to get this incorrect information out of my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
Product: Debt collection

1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I.

2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 
3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. 

THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - XXXX XXXX XXXX status closed charge-off {$3100.00} In XXXX 1XXXX XXXX XXXX on D .status closed charge-off {$1400.00} 2-JPMCB card services status closed charge-off {$3100.00}
Product: Money transfer, virtual currency, or money service

On the morning of XXXX XXXX, 2019, I initiated a money transfer to a friend in XXXX, XXXX, named XXXX XXXX. Despite having made transfers to Ms. XXXX multiple times in the past, I was told the company needed to review this transfer. An agent called me after several minutes to ask for information. When he asked for the receiver 's name, I gave it to him. He asked me to repeat it and I asked him to clarify which part he had not heard. He would not do so, and became rude on the phone. I asked to speak to his supervisor. He refused. 

To make a long story short, I had to make three phone calls to find out what was happening with this money transfer. I was cut off once -- call dropped. Eventually I spoke to an agent named XXXX, who was helpful and told me that the transfer was canceled for " business reasons. '' I asked what that meant, he said it had something to do with the compliance department but he could not be more specific. I asked to speak to someone in that department. He said he was unable to connect me because they did not have the phone number of that department. 

There should be no reason that this transfer was questioned, much less cancelled, since it was identical to transfers I have made in the past. There is absolutely no reason Western Union can not  provide a specific reason for the cancellation. And there is no reason why I, as an ongoing customer for this company, should be subjected to such miserable customer service, the agent named XXXX excepted. 

I also tried to initiate an online chat with an agent but was told that the chat function was unavailable -- immediately after being connected with an agent. 

Here are some relevant details : - WU tracking number -- XXXX - Amount : {$100.00} - Fee : {$12.00} - Time I have spent trying to clarify and register a complaint : over XXXX hour. 
- Phone calls made by me : 3 - Chats initiated by me : 1 - Phone calls dropped by WU : 1 - Detailed explanations given by WU : None
Product: Credit reporting or other personal consumer reports

I'm disputing this account on my Experian report because I believe there is an error. According to the XXXX XXXX XXXX XXXX  guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the XXXX collection agency to no avail, and I would like to request that Experian XXXX this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Product: Credit card or prepaid card

XXXX XXXX Master Card 2go program for GA unemployment insurance. 
XX/XX/XXXX I ordered a replacement card as mine was lost. I paid to have it expedited.Was told by the agent two days. Card never showed. XX/XX/XXXX I called they cancelled order and ordered new card. Told me that i would have it in two days. Still no card. My bills are late and my phone is shut off. Also, I will be contacting a lawyer. The fact that they just flat out lied is what really perturbs me. I will maintain my composure and conduct myself as a gentleman but i am XXXX  to put it mildly. On several occasions i remained on hold for over an hour. I had to set my alarm for XXXX jusft to speak to an agent, including supervisors that all flat out lied. I will be recording my conversations with your lying agents going forward. Direct reflection upon leadership : guess you're all liars. 
Card was lost so i have no card number
Product: Checking or savings account

On XX/XX/2023 i deposited my check in the amount of XXXX into a third parties ( ( XXXX XXXX ) chase account ( XXXX ) the check was put on a XXXX  day hold in which the check cleared. The account was restricted and i was unable to retrieve my funds nor check from XXXX XXXX account. I was told the check had to be verified by me ( XXXX XXXX ) as well as the maker which is XXXX XXXX. Chase asked for a phone number to verify the check i then proceeded to give Chase XXXX customer support phone number ( XXXX ) only but for Chase to inform me that the number i provided wasnt in their XXXX XXXX risk management system. I called XXXX and they informed me thats the only number they have for the business so at this point Im stuck. XXXX informs me they cant cancel or reverse the check because technically its been cashed and Chase says the same thing so my money is just sitting in someones account until i can provide a phone number thats in their system. This has been going on for XXXX months now. Please help
Product: Debt collection

The collection company has sent over an invoice from XXXX XXXX XXXX. XXXX. XXXX. I am questioning the validity of the invoice and the debt. The invoice lists an address that is in XXXX, XXXX XXXX XXXX XXXX XXXX is in XXXX, XXXX XXXX my home town. There is also not a phone number listed for me to call and request information from the XXXX XXXX XXXX. XXXX. Services. The number listed for the XXXX XXXX XXXX. XXXX. XXXX yields a XXXX area code ( XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX hours away. Also, there appear to be listings where my insurance provider has paid the listed charges. I am not able to verify however with the information presented to me.
Product: Debt collection

XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data XXXX my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$470.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle and their handling of disputes. Despite using Zelle multiple times and reporting the discrepancies my financial institution and Zelle.Both failed to resolve the issues I had. I was told that any funds sent or lost are impossible to recover, and there was no way to find out where those funds went.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, my former roommate opened two Upgrade , Inc. accounts in my name and pretended to be me racking up XXXX  of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly two years with no unemployment, no family, no friends and various mental health issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN THIRTY 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX mortgage sold our loan to LoanCare ( XXXX ) on XX/XX/XXXX. 

We applied and were approved for HAF of {$16000.00}. Loancare received the funds but waited weeks before allocating the funds. Eventually, Loancare applied HAF funds of {$16000.00}. However, instead of our balance being decreased to reflect the payment, the new balance went from {$470000.00} what {$470000.00}. 

Additionally, under RESPA, LoanCare was not allowed to report the account to credit bureaus for 60 days during the transfer. Our loan was transferred on XX/XX/XXXX and LoanCare reported delinquency of 90 days on XX/XX/XXXX. LoanCare reports the account as having been opened on XX/XX/XXXX ; however, they were NOT our loan servicer until XX/XX/XXXX ; the credit bureaus reflects that LoanCare opened the loan on XX/XX/XXXX ; whereas, they have restarted the loan. 


LoanCare violated and reported the account to credit bureaus before 60 days. As a result, they reported the account delinquent for 90 days during XXXX, XXXX and XXXX and charged late fees whilst they held the HAF funds. 

Additionally, XXXX mortgage transferred our loan with an ending SURPLUS ESCROW and LoanCare never refunded. 

We never requested to refinance. We never requested to be transferred. We were in forebeafance during the transfer period and LoanCare is attempting to profit on government funds.
Product: Credit card

My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states " As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these listed accounts below late will be removed/corrected. 
XXXXXXXX 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: Bank account or service

I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.
Product: Payday loan, title loan, or personal loan

Approximately XXXX XXXX, 2019, I was solicited to open a Paypal line of credit, PayPal also solicited numerous advantages for having their line of credit including taking 6 months or longer to pay for items with no interest. As a result of PayPal 's promises I Applied for and was approved for the PayPal line of credit. with a credit limit of {$3000.00} However, and somewhat incredibly I am not able to use it for anything. I have make numerous attempts to use their line of credit for purchases between {$200.00} - {$750.00}, each attempt has been with Merchants who DO accept Paypals line of credit. Each time I have been declined with no specific explanation, I only get a standard response which does not address my specific reasons for being declined. I have also made numerous, like dozens of attempts to reach PayPal through their messaging and help platform. Each time I get the identical standard response which again does not address my question or problems. PayPal just gives me a run around and has wasted hours of my time, Further, if I knew PayPal has a restriction when you first are approved I would have never applied. Now my credit score has decreased as a result of the credit pull. PayPal seriously and on purpose misleads consumers to apply for their line of credit. I give up trying to use it, Wish I never applied
Product: Debt collection

On XXXX XXXX, XXXX, I disputed a collection item listed on my XXXX credit report for Financial Control Services ( XXXX XXXX XXXX. ), last reported XXXX XXXX, XXXX in the amount of {$250.00} through Experian, control number XXXX. At this point in time, the investigation is ongoing. 

I was alerted to a change in my credit report by a monitoring service. The change to my credit report included a new collection item from Financial Control Services last reported XXXX XXXX, XXXX in the amount of {$250.00}. 

I believe that this new item was added in an effort to circumvent the Fair Credit Reporting Act. I believe Financial Control Services ' and XXXX XXXX XXXX 's intent was to allow the CRA to delete the original dispute to avoid having to complete a reasonable investigation as dictated by FCRA by inserting the new collection item. 

The new item reported on XXXX XXXX, XXXX was disputed with Equifax, control number XXXX. In addition, I submitted a complaint with the CFPB regarding the duplicate collection item and XXXX lack of controls that allowed a data furnisher to report a duplicate collection item while the original item is currently under investigation, CFPB complaint number XXXX.