23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The XXXX XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XXXX XX/XX/XXXX {$150.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XXXX XXXX Over 120 transactions from XX/XX/XXXX to XX/XX/XXXX totally {$4900.00} I filed a claim originally after being notified by BOA and I had to shut my debit card down. I instantly went to the police and filed a police report for everything that was going on. The officer in charge was on vacation so I had to wait until he got back to finalize the report but I was able to get in the report number over to BOA. The claim was originally denied. I called literally like every day. I was told it was denied because there was day where one of the transactions I confirmed. That never happened and if so it was on mistake. I forwarded over the police report and my claim was reopened. Since then I have XXXX every day its been escalated many times by many managers and is still under review and apparently waiting for merchants to respond. I also had my identity completely stolen a few years back so I was advised to forward over police reports dealing with that so whoever is working on my case has that information. Along with that I tried to reach out to each of the six merchants which was advised for me to do. None responded accept XXXX XXXX. They asked me for a bunch of questions to verify myself which I answered and there response to me was no account found. I have literally tried to do everything I can possibly do. I call every day its been going on over 30 days and now its hurting me financially. I am over 30 days late on my mortgage and its affecting my credit. I have a family XXXX kids and need this resolved. Please help me! The claim number is XXXX in the amount of {$7600.00}
Product: Debt collection

Unifund llc is reporting a debt that they must have bought from another company and was not aware that this debt was removed from any reporting under my name as this acct was opened as fraudulent under my name. This acct is not mine and that's why it was removed prior. Now unifund purchased this debt and it is un lawfully reporting as collections .. please remove immediately I have also sent the company a letter and copy of ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXXXXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sold my business, XXXX XXXX XXXX XXXX on XX/XX/XXXX. First Collection Services has been calling me countless times this year about a bill due to XXXX XXXX advertising. 
I explained that I sold the business and four people I talked to gave me the name of someone who signed the contract that 1. is not me 2. was signed a year after I sold the business. 
I have explained this many times and they have called me on XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and XXXX and left messages in spite of my explanation.
Product: Credit card

XX/XX/year> there were 4 charges on credit card that I didnt make. Filed a dispute report on XX/XX/year> # XXXX and charges were revered on XX/XX/year> along with a credit for the interest charges. On XX/XX/year> charges reappeared & when I called on XX/XX/year> I was informed that the charges were considered to be made by me and that they mailed me a letter, which I havent received. I asked for a copy of the report to be emailed time with no response. I was told that they are going to reopen the case. I asked for the account to be closed & since this is a secured credit card, the balance of the fraud charges will be included in the payoff. The credit card was frozen on XX/XX/year>. 

XX/XX/year> XXXX {$110.00} XX/XX/year> XXXX {$110.00} XX/XX/year> XXXX {$110.00} XX/XX/year>XXXX XXXX XXXXXXXX {$1.00} XXXX credit card
Product: Checking or savings account

I have had this netspend account open since XXXX im pretty sure and never had any emails or alerts requesting me to verify my identity but today XX/XX/year>, i decided to finally deposit some cash and attempt to use my account only to be literally locked out of my account. Losing the XXXX i just deposited on top of not having access to my account all of a sudden. 

No issues whatsoever before depositing money but now that i wan na put money in, my account locks. Very fishy and suspicious activity from netspend, why not do this before i put money in the account? 

I want my account closed and a check mailed to my address on file. I will not be sending any documents so dont even bother telling me to submit anything cuz it wont happen. Shouldve asked for any identity documents before i wanted to deposit money and the entire 3 months this account was open so now i dont want to do business with this company or bank anymore. CLOSE MY ACCOUNT AND SEND ME MY FUNDS PLEASE. this bank is awful and i shouldve known since its a prepaid account lmfao
Product: Debt collection

Well, when I fired off this FIRST EMAIL attached, I kind of half expected a RESPONSE to work things out. NOPE! The people at SBC, LTD, seem to think Im a nobody you can PUSH AROUND.
THEY SENT ME 12 MORE BILLS? 

I TOOK ON XXXX XXXX, XXXX XXXX, The US NAVY and WON EVERY SINGLE FIGHT. YOU ARE SMALL POTATOES compared to the FEDERAL GOVERNMENT. Dont believe me? Ask SENATOR XXXX XXXX who intervened on my BEHALF for XXXX XXXX. The LATE CONGRESSIONAL XXXX XXXX ( XXXX ) NY, INTEVENED for me in XX/XX/XXXX AGAINST the US NAVY. I TOOK ON XX/XX/XXXX ALONE in XX/XX/XXXX. 

I just filed a COMPLAINT with the WA AGs office, Im filing another COMPLAINT with the CFPB and a COMPLAINT with the FTC and contacting XXXX XXXX XXXX XXXX XXXX! Im going on SOCIAL MEDIA, XXXX and I HAVE A NETWORK OF OVER 30 MILLION PEOPLE on XXXX. 

I HEREBY FORMALLY DISPUTE ALL THESE and tell them to take the WA STATE COMMUNITY PROPERTY LAW and SHOVE IT UP their XXXX, AS FAR AS IT WILL GO AND XXXX XXXX XXXX! 

The WA STATE AGs response just came. 

-- -- -Original Message -- -- - From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXXXXXXXXXX Subject : AGO Complaint XXXX, Thank you for contacting the Consumer Protection Division of the Attorney General 's Office. The consumer complaint you submitted through our online form was received on XX/XX/XXXX. Your complaint is very important to us and we have assigned it to a consumer resource center specialist for review. You will be provided with a complaint number and the status of your complaint within 5 business days. During times when we experience peak complaint volumes, it may take up to 7 business days for us to contact you with your complaint number and status. Thank you for your patience during this time. 

Please do not respond to this email address. The mailbox is not monitored. If you have questions, please contact our Consumer Resource Center at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XXXX Dear Transunion : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX There were fraudulent charges made on this account and I have disputed them, please remove it until your investigation is complete. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX DOB : XX/XX/XXXX
Product: Debt collection

Our business has gotten multiple letters and calls from McCarthy, Burgess & Wolff claiming they are attempting to collect a debt owed to XXXX. We contacted XXXX and there is no outstanding amount due to them. This appears to be a scam common with this particular company, as many other people claim they have been contacted about a debt they do not owe.
Product: Credit reporting or other personal consumer reports

I filed a XXXX complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further. 

Upon reviewing my credit reports from XXXX, XXXX, and Experian, I discovered glaring inconsistencies in the information provided. XXXX reported a date of last activity as XX/XX/XXXX, while XXXX indicated XX/XX/XXXX, and Experian XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account.

Additionally, there are discrepancies in the reported high credit limit across all XXXX  credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided.

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by XXXX. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing.

As a result, I am requesting the immediate removal of account XXXX from all XXXX credit reports. Failure to rectify this situation promptly may compel me to pursue legal action for gross misconduct and defamation of character.

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.
Product: Student loan

After finishing graduate school, I called Navient ( then XXXX XXXX ) regarding setting up an income based repayment plan for my loans. Instead, they put me into an interest-only payment plan and told me that I was eligible for debt forgiveness after 10-15 years of steady payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I have a Citizens Access savings account. 
On XX/XX/2021, I electronically transferred approximately XXXX from this account to my business account at XXXX XXXX XXXX. The transfer was supposed to happen within 2-3 business days. As of XX/XX/2021, the transfer was not completed, although my Citizens account reflected the withdrawal. I contacted Citizens Access and was told that it would be investigated and that someone would call me the following day. As of late evening on XX/XX/2021, I had not received a follow-up phone call. I contacted Citizens Access again this evening. After an additional 45 minute phone call, Citizens Access was completely unable to tell me where my money was. They confirmed it had been withdrawn from my account, but they werent sure where it went. All account information was confirmed. I am not sure how to proceed.
Product: Student loan

I have loans with Navient and I the repayment options are impossible. I do n't see how the repay is this high, the interest is high as well. I feel that Im being over charged. The constant harassing calls, emails, and letters are out of control
Product: Debt collection

I was looking at my credit report the week of XX/XX/year> and noticed an account listed in Collections from a company " Credit Services INTL CORP '' The account is listed as being from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is very possible I lost track of a bill and it never got paid and it is valid debt. However, I have received NO written communications from a company with this name detailing the dedt, its reason, my rights to despite, or most importantly how to pay the debt. 

I tracked down a company online that appears to possible be this same company, but I have no way of verifying that, a call to them requests personal information I do not want to provide if it is not the correct company. On the website it requires I provide a reference number to gain any information, which again has not been provided in writing. 

Any assistance that can be provided in verifying this company, and how to pay the dedt before I accidentally provide personal information to an incorrect company would be helpful. Without verified write communication from the company of the details on the debt and the payment options, I am not comfortable providing information via phone or email. 

I appreciate you reviewing this incident and any help you could provide in obtaining the correct written communication from the collector so I can take care of the account if it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

Loan Depot contacting me on re-financing XXXX of my properties. XXXX property in XXXX and the other property in XXXX. With the information they provided that my property in XXXX qualify to re-fiance thru the HARP program I proceeded to start the process. I was told that no appraisal will be required for my property in XXXX. Well on XXXX XXXX, 2016 I received a call from Loan Depot changing everything on my XXXX property. I was told that the property was not going thru the HARP program and that an appraisal was require.Loan Depot lied to me by giving me false information. I 'm requesting that Loan Depot refund my appraisal charge on my California property and credit the amount of {$420.00} into my credit card. I stop the process not because I want it I stop it because Loan Depot lied to me. 
Thank you.
Product: Credit card or prepaid card

This was a credit card my ex-spouse had opened before we met and had me co-sign but I never used it. When we divorced in XXXX, he was ordered by the court to remove my name from the account. He did not comply, stopped making payments, and the account was closed with negative remarks. I made numerous attempts to have this remedied, but the bank refused to honor the court order, and my credit has been severely negatively affected.
Product: Debt collection

Hello, I received a call from an unknown source with a file number. They left a message today  XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back  XXXX  and asked to speak with  XXXX   XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File #  XXXX  and he immediately transferred me to  XXXX   XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed.  One  thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from  XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors  or something similar. He asked me if I would like to handle this debt otherwise they or  Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up  on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number  XXXX , but as soon as I told them that file number, they transferred me right back to  XXXX   XXXX . I got his name, place of business and address before ending the call.   I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you.     Name of Company :   XXXX   XXXX   XXXX   Name of individual and ID : Place of business address :  XXXX   XXXX    XXXX   XXXX    XXXX .  XXXX   XXXX , CA  XXXX .
Product: Checking or savings account

I am on XXXX XXXX, my mother 's Santander Checking account to help her manage her finances. I opened my mail Thursday and read a letter dated XXXX from XXXX , her utility company, that said her bank account was frozen and payment had been returned. 

I went online and saw beginning XXXX XXXX that checks I've arranged to have automatic payment had a note " Forced check payment ''. 

I called the bank and was told that a man had called in XX/XX/XXXX asking questions about my mother 's account, so they froze the account. I appreciate the fraud department taking action to protect my mother 's finances. 

My concern is we were not notified that the account was frozen. No one called my mother or sent a letter explaining this. The person I spoke with in the fraud department said the bank does not inform the customer. It is the customer 's responsibility to call the bank. 

I asked her to check this policy since it does not make sense to me that someone would call their bank if they do not even know their account has been frozen or there was a fraud alert. I pointed out that credit card companies always inform you - why wouldn't the bank? 

Now I'm told I need to bring my XXXX year-old mother to the bank to open a new account and I need to contact at least 10 different providers that I have arranged to be on automatic payment to transfer to this new account. 

My frustration is that we were not notified of the fraud alert and that the account was frozen. 

I hope you can encourage the bank to contact customers whose accounts have been jeopardized by mail. 

Thank you for your support, XXXX XXXX on behalf of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items 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. 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 XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.