23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted the company on various accessions and have disputed this account numerous times. Ive asked them to validate this account to show the means of where it originated with no is full results returned back to me, and with nothing but vicious attacks on my credit file like this happening in return from them causing harm in the effect of not being approved for a refinance for my home due directly to their illegal tactics.I have submitted to them on occasions ample evidence that I have no recollection of this debt and am not responsible for it and they still maintain the position of neglectful sabotage on my credit file by changing the balance periodically by {$1.00} and the dates and nothing is ever the same that they report but the all of the CRAs let them keep getting away with it by the simple means of them just saying the company verified everything without actually doing anything or having to prove an actual thing on their end.
Product: Debt collection

I filed an complaint through the cfpb for my Aspire Credit Card. I told Aspire how they violated me by using their logo on communication and they said that it was their policy. So here I am again filing another complaint on how Aspire Cardholder Services violates me Aspire Cardholder Services are sending me bills with their logo on it and its alarming everyone I live with that Im in debt. 
Pursuant to USC 1692b. ( 5 ) and USC 1692f ( 8 ) it states that a debt collector can not use language or symbol on or in the contents of any information effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Also that content should not state I owe any debt pursuant to USC 1692b. ( 2 ) thats another violation. Aspire also violated me under USC 1692e. ( 11 ) none of the statements they send states that theyre attempting to collect a debt. Thats false and misleading. On my statements they all come in a positive balance. How can you pay on a positive balance!?? Pursuant to 1692e. ( 2 ) ( A ) the amount on the statement is always misleading.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I completed an online ACH money transfer from Wells Fargo to XXXX XXXX in the amount of XXXX dollars. After a few days the funds were not transferred in the XXXX XXXX but on XX/XX/2021 XXXX XXXX refund the XXXX back into my account. Unfortunately, I am not aware if Wells Fargo business practice does this but once the funds was return in my account, Wells Fargo immediately did a bank withdrawal reversal on XX/XX/2021 and sent the XXXX dollars out of my account without my authorization back to XXXX XXXX 

I submitted a claim to the Wells Fargo online department and spoken to several representatives about the matter, after their investigation I receive several letters that appear to be conflicting about the transaction error. The letters states that were no account errors on my end and the transaction was done correctly. Another letter I receive is states I did not have the funds and is very misleading and conflicting. I continue to call and request detail information, such as an financial audit transaction, but have not receive it. From my conversation and understanding, Wells Fargo assure me there was no error of insufficient funds on my part and confirmed the funds requested for bank to bank transfer were in my account. I am concerned after speaking to XXXX XXXX they confirmed that their bank return the XXXX funds on XX/XX/2021 but has not receive the second transaction from Wells Fargo reversal process. Can someone please assist me in this matter, its been over 2 months and I have not gotten this issue resolved. 

Thank You
Product: Debt collection

Good day. In XXXX i paid an collection from XXXX XXXX dated XX/XX/2021, original balance was XXXX, it was paid in full & now the balance is listed as " XXXX '' paid in collections as negative status the amount & this was paid though aldous and associates. Hear me out, I am a young man trying to solidify my pursuit of happiness through stabilizing my credit because i understand the importance of it now. This XXXX XXXX account that should be closed and removed from my credit profile is stagnating my opportunities for me & my company, it has also interfered with my ability to obtain housing ( Because the collections is having a negative impact on my profile. Ive put in multiple disputes, The XXXX XXXX representatives were hardly any use, they basically in context told me that they couldn't do anything for me that i needed to contact the creditor. i contacted the creditor & they redirected me back to XXXX. At this point im begging for your help, I have a XXXX here with me in XXXX, New York. im working on my credit profile so i can take out a loan to assist with moving out of New York. Most of my friends were killed within the last 5 years, please this is vital to me. 

You can also check my XXXX and XXXX reports. this same collections was removed from both reports, but for some reason its sticking on transunion it doesn't make sense ( once again i paid the full balance i didn't settle all the evidence is there on all reports )
Product: Debt collection

Under the doctrine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Jefferson Capital System on a matter that pertains to my credit. I have been a victim of fraud. I sent Jefferson Capital System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Jefferson Capital System to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Jefferson Capital System and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Jefferson Capital System. You can not because this is not my debt nor do I owe Jefferson Capital System anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM JEFFERSON CAPITAL SYSTEM NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Been turned by different companies unable to identify my identity ND fraud alert
Product: Credit reporting or other personal consumer reports

Upon reveiew of my credit report I noticed about XXXX unauthorized credit inquiries on Mt report and would like them immediately removed
Product: Credit reporting or other personal consumer reports

Sent out debt validation letter and XXXX letter on XX/XX/year> regarding the following accounts : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The investigation took more than XXXX days. Also, I was not furnish with proof of this debt ( contract agreement, signatures, payment history, balance, etc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Bank account or service

I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXL XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXXE Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I did two transfer of XXXX every transfer so in total XXXX but in my coinbase account is XXXX when I call customer service support they told me that there was a delay in the SEPA transfer but XX/XX/XXXX I did a test with small among of money I transfered XXXX andi arrive one day later to my coinbase account. I am really scared because The service support told me that They do n't see the wires transfer from my side, but it is really weird because after the two transfer in my coinbase account in Method of payment appeared my bank account number and I have never put the data inside. The Ticket number that customer service gave me are XXXX. 
They can find more information about transfer documents with all the details inside. 
XX/XX/XXXX I talk with my bank and they are claiming to his bank ( XXXX XXXX XXXX ) the transfers what I did because the answer of Coinbase is that both transfers never arrived.
Product: Checking or savings account

I signed a LIMITED POA that was specifically for ONLY to use to withdraw enough money out of account for a specific reason and it was specifically stipulated in the paperwork because I wrote it but when I got the copy from the bank that page was completely missing and he continues to represent me against my benefit or desire!
Product: Mortgage

The mortgage company made an error on the closing documents and added an {$18000.00}. tax loan the previous owners were paying off prior to closing, by adding to my tax 's so the escrow account showed I owed over {$200.00} more per month. I have tried getting it corrected from day one at signing. I was told due to the type of loan it would be corrected shortly after closing. It has been 3 months and I have received many excuses on why it can't be done. I am now being told to continue to pay the extra amount until they do a tax review in XX/XX/2020. That is 9 months since closing and the extra amount is causing a hardship. I have sent several messages to the current mortgage company which it was sold to on XX/XX/XXXX and have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2019 i made a vehicle lease payment of XXXX dallors i was XXXX dallors short of making the correct payment and GM financial reported a late payment to my credit report which i want removed becuase i made a payment the information is incorrect
Product: Debt collection

We are told on phone that we are charged for carpet replacement while vacating the apartment complex. When we were vacating, we were told only a spot in one room needs to be replaced. However, it seems full house carpet replacement fees has been charged. We tried to obtain details of the charges but were denied and threaten to pay the full amount or else it will be reported to our credit history. We also tried reaching out over email but did not receive any response. 
Date vacated : XX/XX/2021 Amount : ~ {$1200.00} ( we never received a bill, only a call from debt collector )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act -XXXX  XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3800.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/year> Balance Owed : {$370.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Went in store Check into Cash XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX to Cash an check. Lady at store showed the check to her manager and the manager asked me what was the check for and from and amount on the check. She she told the lady to email the check to someone and call them. She called another lady on the phone and the lady said '' I'm looking at the check now is the customer there, yes, yes it looks suspect to me, have you called the bank, no, okay tell them you tried to verify and it couldn't be verified. " So I told the that's fine give me my check since you about to lie to me and I left.
Product: Credit reporting or other personal consumer reports

I contacted transunion about a collection regarding XXXX collection I have no knowledge about this collection which is located in Pennsylvania. Ive tried to have it removed and they wont make an effort to work with this fraudulently opened account. Please investigate this fraudulent account Ive lived in Florida for the past XXXX  years and my personal information was used without my consent. Transunion wont help remove this fraudulent account that doesnt belong to me. Please help and investigate. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. XXXX Experian has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with XXXX XXXX to make the address correction ( I live in XXXX XXXX ). So today I received a notice from Experian that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX