23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a phone call from a " Third Party '' in regards to a legal package that someone was going to come to my work to give me, he would n't give much info advised me to call XXXX for more information and he would put on hold for one hour, serving me at my job and " embarrassing me at my place of employment '' I called number explained what this man told me that called from Unknown number. The woman XXXX XXXX confirmed and said thank you for calling and taking care of this. She advised I saved myself {$2500.00} in legal costs ect. I set up arrangement and paid over {$400.00} right then and there. Once I got off the phone something did n't feel right, I realized this was an old debt that was too old for them to collect on. Called right back and asked for documentation showing that the court order was canceled. Which XXXX notified me on the previous call to her that they would cancel the court order. She then said it was a pending legal action and it had not yet went to the courts. That is when I realized they lied to me and violated my rights. I spoke with her supervisor XXXX XXXX ( which by the way has very, very similar voice to the man from 3rd party which I have a voicemail on my phone from ) He said they will remove one of the payments due to the mis information, we discussed for a while, then said he would remove two payments and settle for what I had already paid {$430.00}. I explained how I felt and that my rights were violated. He said if I did not feel comfortable paying he would refund money. I called him the next day asking to be refunded because I was lied to. He argued with me saying he will refund but I am just trying to get out of paying the debt. I would have never gave a payment of {$430.00} if I was trying to get out of it. My rights have been violated and this company should not be able to call and lie to people who are already having a hard time paying bills. I am a mother of XXXX, and have many financial obligations. I am upset that they called and lied and preyed upon someone just for a payment.
Product: Checking or savings account

My name is XXXX XXXX Wells Fargo has a huge history of long red lining towards XXXX as this case is already been stated when all of this first happened since they say, they record all the conversations their representative told me to contact my lawyer and get a settlement letter drawn up. I had the letter drawn up, they never responded. They then posted to the CFPB and on their website internal communications that they would reach out to me and we will get this taken care of and when they reached out to me, they gave me the same runaround story, we as XXXXXXXX XXXX are tired of being used by these banks for our profits and proceeds and ignored and degenerated in front of people. I was asked to open up my credit to show them that that check was mine and thats private information I feel like as a nation we deserve better for our banks. We have people like XXXX XXXX trying to take away to see XXXX when this is the only thing that no takes all the XXXX that they do to Us. They are liars. Theyre for nags. They always open up their accounts in peoples names. Wells Fargo needs to be stopped. Theres not enough finding that you can do to get these people to change the way that they do business. I am highly disappointed. We dont have much of an option and the taxes that they use are very much unfair and this documented so from this point forward, I am starting my own campaign to let Wells Fargo know that this will not be tolerated if they wouldve just talk to me as a XXXX man. I wouldve been OK. They ignored me. They do that all the time they ignored that they block XXXX people out of loans 100 to one 100 to one same pay scale XXXX people were denied loans. Wells Fargo is a XXXX company and my name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ  without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. 

My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and ex-husband XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for XXXX XXXX in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. 

This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. 

I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and PEI to XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Transunion, XX/XX/XXXX, And XX/XX/XXXXto dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.
Product: Credit card

On XX/XX/XXXX I reached out to care credit about a refund that was issued to my account. I explained to them the refund sent to them was actually supposed to be a check sent to me. The rep told me she can send me a check and I ok great thank you. I confirmed with her my address and she said I will receive it in XXXX business days. I waited XXXX business day and reached back out to them. XXXX was assured the check was sent and to give it some time. I still haven't received it so I reached back out to them and this woman I spoke to flat out lied and said I won't be receiving a check and can't reissue me XXXX. I told her to transfer me to her manager or supervisor and she also refused to a reissue the check. All I want is the check to be reissued or for them to send the refund to my checking account on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDENCE RESOURCE MANAGE Account XXXX CREDIT XXXX BANK Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX RESURGENT/LVNV FUNDING Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX SCENIC HWY XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX SCENIC HWY XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX SCENIC HWY # XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My servicer Mohela created duplicate erroneous loans in my name. I had a loan consolation that was successful on XX/XX/XXXX with a total of about $ XXXX in a sub and unsub loans ( XXXX and XXXX ). Then, around XX/XX/XXXX, I found out about the duplicate loans created at XXXX by Mohela ( loans XXXX, XXXX and XXXX ). I filed a complaint on XX/XX/XXXX with XXXX Ombudsman and contacted both XXXX and Mohela notifying them of the issue. Since then the duplicate loans were transferred back from XXXX to Mohela, but they haven't resolved the duplication that they created and keep trying to consolidate the erroneous duplicates instead of cancelling them out. Further- the complaint I filed with Ombudsman was closed without contact or resolution. This has been going on for months and has erroneously added approximately $ XXXX + interest to my apparent overall debt load. It is astonishing to me how poor the internal controls are that no one at XXXX, XXXX, nor Mohela have caugbt these egregious errors.
Product: Checking or savings account

I have an account with XXXX XXXXXXXX XXXX and I have been unhappy with them as I have been hacked 3 times in the last six months. I received a check from my 401K distribution fund for {$2000.00} and I have never used a mobile app in my life but someone told me I could check to see how long it would take to clear and when I scanned it through my XXXX XXXX  XXXX XXXXXXXX XXXX  the notification said 10 days and I could not wait that long. My daughter lives here in Florida and uses Truist ( Suntrust ) and told me to go there so I did and they deposited and released {$100.00} to me because I was flat broke. I only learned about 5 days later that the check that I scanned with the XXXX XXXX was an actual deposit. I went straight down to Truist and profusely apologized for my terrible error. The branch manager seemed to have been very angry and vindictive about what happened and put a six month block/hold on the check. I have provided proof that XXXX XXXXXXXX XXXX did not cash the check and have spoken to their fraud department and also provided the same proof. XXXX XXXX XXXX my 401K holder has given the reference # for the check clearance to Truist it cleared on the XXXX of XXXX. The branch manager at Truist located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX his name is XXXX refuses to release the hold and I do not know his last name but they are refusing to call me back or work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the USA at least two times per year all this during these 13 years because I was preparing myself to work as a XXXX XXXX  because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to USA because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, EQUIFAX and XXXX.
Product: Credit card or prepaid card

I contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.
Product: Mortgage

To Whom It May Concern:
I am writing this letter in the hopes that I can get some sort of resolution of the issues that I
am presenting to you.  Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX.  The mortgage to these properties were financed through XXXX Mortgage.  At some point in time, theses were acquired by PNC Bank.  At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans.  My credit rating at the time was XXXX plus.  I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages.  We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property.  By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account.  They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter.  The property was immediately sold at auction.  Thankfully we kept a paper trail in anticipation of being defrauded in this process.  We hired attorneys to help us navigate through the short sale process on our original primary residence.  PNC  delayed the short sale process for over XXXX months with a qualified buyer waiting.  This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC.  Even with a team of attorneys we have been unable to complete the modification process for over XXXX years.  I attempted the process alone for 18 months without legal representation.  So for close to 4 years we have been in limbo with respect to our primary residence.   Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices.  These last XXXX years have been hell on my wife and me.  After reading our situation we hope you can help us get this settled, for you are our last hope.  Thank you for taking the time to read this and I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After I filed a discrimination complaint with this agency, B of A closed my account in retaliation for making a discrimination complaint. I filed complaints XXXX and XXXX, After I filed the 1st complaint the bank told me I could not have equal access due to being XXXX. After I filed the 2nd complaint for saying I could not have equal access the bank closed my account in retaliation and in violation of my rights under the ADA and other laws. The bank never accommodated my XXXX and never engaged in any good faith process to achieve any accommodation for my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Product: Credit card

Because of a balance transfer of 0 % APR to my Citibank credit card account, they are charging me interest on regular purchases that are paid off by the due date. My credit card agreement states that there is a grace period for purchases when they are paid by the due date. I pay my purchases in full for each statement. They are saying because of the balance transfer, that they can now charge interest on purchases on the day that they post. I think this is unfair and very misleading to the consumer.
Product: Prepaid card

paypal support will not address the questions. they copy / paste random words and do not resole the problem. they disconnect the conversation.
Product: Checking or savings account

I made the money transferred for {$290.00} and they won't transfer the money or refunded back into my account
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX I sent a letter to Experian in reference to late payments that were reported to all three of my consumer reports. I requested that the late payment be removed from all of my consumer reports. The company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports. They refused to remove the late payments. They reported late payments for 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: Credit reporting, credit repair services, or other personal consumer reports

RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let it be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX-XXXX-XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days but that not the case in my scenario. This company completely ignore and continue to report this fraudulent account. I am attaching herewith ; the previous dispute I sent to this company, my identity theft report from XXXX  condition and my small claims form should them fail to cooperate and abide by the law.