23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Checking or savings account

We moved out of the XXXX in XX/XX/year>. We changed our address and now receive mail electronically. I notified all my banks NOT TO SEND ANY LETTERS and ONLY TO communicate electronically, as we can not easily get mail here ( XXXX XXXX ). 

Wells Fargo apparently sent me letters stating they did not like we changed our address to a XXXX XXXX XXXX it WAS A XXXX XXXX XXXX to the new XXXX XXXX XXXX service ). 
They DID NOT COMMUNICATE THIS ELECTRONICALLY. I get plenty of other messages from them via text, and never did they relate this issue. 

Apparently, their letters said I had to physically come into the bank to prove the address was real ( or something to that effect ), and if I did not, they would close my accounts. 

Because I was not made aware of this electronically as I had requested, They proceeded to close my accounts : XXXX business accounts and a personal account. 

I found this out the day they decided to do this, and they refused to do anything about holding it, otherwise allowing me to transfer, or to help do nothing with this account. 
Their message was hard and fast, " No, too late ''. 

I asked them how I could get my money back. 

They said they would send it, so I gave them my prior XXXX address, where they could send it and a person there could deposit it into another XXXX account I had in the XXXX. 


XXXX check showed up ( not three-they don't know where the other XXXX are and refuse to stop payment until later his week ). And oh, by the way, they sent the checks ( there is a photo of the one received ) in the business 's name. 

How can I deposit these checks when they had my ONLY business accounts at their bank? 

So, after literally hours on the phone ( at XXXX a minute ), I was told I could come into the bank in person ( a flight from XXXX XXXX ) and prove I had closed these businesses, and then they could reissue these XXXX checks to my personal name. 

I now am forced to CLOSE these businesses. I can not open a new account there ( why would I want to ) because all my documents are in a container overseas and will not arrive for another month or XXXX. 

They did not communicate with me the way I asked, and they would not cooperate in ANY WAY with us to resolve this. 

FURTHER, I made a CC payment PRIOR to knowing they were going to close these, and by the time the CC company processed the payment, it was frozen, which has tied up my Credit card here in XXXX XXXX for almost XXXX weeks now as well to explain why a payment bounced. It is still frozen. 

These guys have caused us XXXX with no help whatsoever. 

I am now worried I will close these accounts and fly to the XXXX to get my money, and they won't give it to me for some other reason. 

There is a place in XXXX for Wells Fargo. 

Kindly communicate with me on this matter via email so I can ensure I receive it. I appreciate a place where someone else can be forewarned about their insensitive and ruthless business practices. 

To know a bank can just close your account and freeze your money unless you take XXXX and expensive measures ( with no guarantee I can still get your money back ) is very scary.
Product: Credit reporting or other personal consumer reports

I called the banks listed on the credit report to report fraud. My XXXX  stole my social security number and used it to open credit card applications. I have a police report number XXXX.
Product: Money transfer, virtual currency, or money service

I was using an app called " XXXX  '' which allows people to sell stuff online. So I got in contact with someone who claims to be part of a company called " XXXX XXXX XXXX XXXX '' and she was selling an XXXX for {$170.00}. I got her number and email which we used to contact each other. Then I paid her through an app called " XXXX '' and she told me XXXX would hold the money until I receive the phone but I have not received it yet. She told me I would receive it Monday afternoon. She also gave me two different tracking numbers to track my package but I can't track them at all. I try to call her, but my calls are rejected. She doesn't answer any of my messages in both mobile and email. I already contacted XXXX  and they said transactions are on the spot payment so XXXX has already received my money and I have not received my phone and I have no idea where it is. Will you please help me? I will give her contact information when you respond.
Product: Credit card or prepaid card

I have an NFL Extra Points card now issued by Comenity Bank. One of the promotions they advertised was receiving a {$100.00} statement credit if you have over {$500.00} in purchases other than NFL purchases within the first 90 days of the card 's issue. I met that requirement within the first 60 days. The issue date of the credit card was XX/XX/XXXX. I met the {$500.00} non-NFL  purchases by XX/XX/XXXX. I have called and sent secure messages on their website starting in XX/XX/XXXX. As of XX/XX/XXXX I still have not received the {$100.00} statement credit. I received a letter from Comenity Bank  dated XX/XX/XXXX saying I received the credit on the XX/XX/XXXX statement, which is not true. They have also removed all of the secure messages except the most recent one. They do not keep the rewards points available to review on their website nor do they include that information on your monthly statement. They still advertise the {$100.00} statement credit upon {$500.00} non-NFL purchases within the first 90 days. There are more issues but they fall under the payments category. I have never had such a deceptive company issuing a credit card. The NFL should be ashamed of putting their massive brand on a company that is totally unprepared to handle credit cards.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate consumer service and unfair practices which violates the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) in reference to the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate, otherwise the information must be removed under federal law. EXPERIAN has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 

Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 

I am asking for this verification because my credit score is important to me. and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I would like to remind you of Dixon-Rollins v. Experian Information Solutions . Inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information I expect to receive a response within 15 days of receipt of this letter. or I will expect to see the item in question permanently expunged from my record.
Product: Bank account or service

I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666Bthis is a billing error always paid as agree on time this is an error this account in violation Please correct this inaccurate information on my credit report
Product: Debt collection

Was provided with unclear debt transactions that di not match my history with the supposedly owner of the debt, which was XXXX XXXX XXXX XXXX XXXX, which did not match because I paid with my bank debit card with all transaction and have an active XXXX XXXX account with XXXX, which I never received mail, I did not receive correspondence via my amazing account via mail. I have been disputing this false account for over a year.
Product: Money transfer, virtual currency, or money service

I sold 3 items to 2 different people on XXXX on XX/XX/21. Paypal has NOT sent the money to me, there is a hold for NO apparent reason. I think they are keeping it to get the " float '' on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXXXXXX XXXX  factual date XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

I would like all documentation regarding this loan to be published to me and the consumer financial protection agency and I want all signed documents and how many times it has changed over to these debt collectors or services they call them I want I wan na know where my statements are I wan na know why the loan went up I want all information regarding this from day one
Product: Debt collection

I have disputed this debt several times with  Portfolio Recovery Collection  and asked for verification and validation.  Portfolio Recovery  did not provide any of the requested information, however the company updated my credit report to indicate that I have an " Open '' account with them in collections. I have not ever done business with this company and have requested that the erroneous account be removed from my credit report.      Portfolio Recovery  is reporting that I have  two  open accounts in the amounts of {$1200.00} and {$2600.00} for a total of {$3800.00}.
Product: Mortgage

This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.
Product: Debt collection

So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for or recieve funds for a loan from Today cash. There is a fraudulent account open in my name with the wrong employment information and unknown banking information. I did not apply for this, I have no idea who today cash is. This is fraudulent. They are harassing me for collections and tried to garnish my wages! This is not my account!! I jave bank statement XXXX showing I recieved no funds from them.
Product: Credit reporting or other personal consumer reports

Remove the following account for improper use of my credit report.The payment history reflects continued reporting a charge off after the account was closed.This is detrimental for me and my family XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to respond in a timely manner to my dispute letters of XX/XX/2019 and XX/XX/2019, deposited with the U.S. Postal Service on those date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond to both of my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should they continue in their non-compliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.
Product: Credit card or prepaid card

a person called me from XXXX said they want to lower my interest rates on all of my card i asked what company they represented they named many companies including XXXX, XXXX XXXX XXXX , visa, master card, XXXX XXXX and others. I was getting suspicious asked if they represented all of the companies they said that my name came from the experian credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX , XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX. in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX , XXXX has tried calling me, however I expressed that I would file my dispute in writing.
Product: Student loan

On XX/XX/2019, I received notification from XXXX XXXX that Nelnet had posted negative remarks on my credit report with XXXX which caused them to drop my credit score by 40 points. On XX/XX/XXXX, they did the same thing with XXXX with dropped my credit score by 43 points. The payments with Nelnet for my daughter 's federal student loans I applied for haven't even started yet and they're making trouble for me already. If they're pulling this XXXX now, what will they do if I really do something wrong? Nelnet has NO business reporting every little thing to XXXX, XXXX  or XXXX unless I do something serious like miss a payment or default on my loans.
Product: Checking or savings account

I received an deposit of {$12000.00} from the SBA government agency on XX/XX/XXXX  to my PNC Checking account and on the next day on XX/XX/XXXX  they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for 3 weeks. I called PNC customer service 4 times on XX/XX/XXXX  and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX in XXXX, FL and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the SBA agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. It has been 36 days now and the company promise it will be done in 30 days. I have called every day since XXXX/XXXX/XXXX  to speak with XXXX XXXX at PNC Client Relations department and she have not told me anything and she is rude every time I call her. She refused to work on my case and no one have provided me date on when my money will be sent back to the SBA government agency or a reason why my money was held in the first place. I need this resolve asap now.