23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. 

Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX Hospital, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. 

If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. 

Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. 

Thank you
Product: Checking or savings account

My XXXX phone number was ported to another carrier cancelling my telephone number with XXXX on XX/XX/2019. On XX/XX/2019 two {$1000.00} transactions were processed through Tdbank using XXXX  in Td mobile app. It was probably accessed using the phone number that was active on another carrier since I also received email notifications from other institutions I used stating that someone was trying to log in using my old phone number from a different state. Td bank is trying to deny the claim saying that phone transactions were varified using my phone number. I have a document that lists all of the phone information with the carrier XXXX  that says that the phone was canceled from device and sim card on XX/XX/XXXX thefore refuting there claim that transactions were made by my actual phone.
Product: Checking or savings account

Navy federal credit union has taken overdraft fee for 2022 XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} My account is low because every time I think I have money they are charging me fees. Your help is greatly appreciated Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my debit card declined due to insufficient funds. When I check my account I noticed a levy from California franchise tax board ( FTB ) on Monday XX/XX/XXXX I called the FTB and resolved the issue. At around XXXX the person from FTB said they would fax the release to Citibank and I should follow up in a couple of hours. 
When I did Citibank claimed they had no records of the release being sent to them. 
I called the FTB again around XXXX on XX/XX/XXXX and after another hour on hold the representative from FTB faxed the release again to Citibank and upon my request age also sent me a copy of the release. 
When I follow up with Citibank they would either hang up or route me to the wring extension. When I did get a banker on the phone I was told of would take 24hrs, someone else said 48hrs and today I was told 36hrs.

It's been over 48 hrs I still don't have access to my funds even though the lien release was sent over to Citibank well over 48hrs ago. 
On XX/XX/XXXX I walked into a local branch emailed the branch manager the documents I received via fax from FTB but that resulting in nothing. 

I currently do not have access to the funds in my account. I can't purchase gas, food or any other necessities Citibank refuses to release my funds or provide any information about who I need to contact of when the funds Will be available. They are holding on to my funds illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with Westlake Financial Services associated to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with Westlake Financial Services, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the Westlake Financial Services customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before XXXX, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the Westlake Financial Services customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of Westlake Financial Services at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with Westakle Financial Services but I have not received the necessary attention and I also tried to solve it with XXXX but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, these non affiliated third parties has false pretenses and deprived me of my rights due to perform or exercise I was denied extension of credit for INACCURATE and FALSE PRETENSES of any person knowingly and willfully obtains information on a consumer from a consumer credit reporting agency such as EQUIFAX, XXXX, XXXX XXXX under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. If you can not show proof of my documentary evidence or wet ink signature of my lawful consent of any transaction that took place between the creditor and the debtor that means any false information is willfully and knowingly that this is INACCURATE and FRAUD and I DEMANDING that you DELETE all FRAUD from these accounts that reported on my consumer credit report on their will be consequences and penalties for the violations.WITHOUT PREJUDICE BEST REGARDS, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing this letter to make a complaint and have investigation done against Equifax regarding my credit report. I have called and called and called and a representative gets on the phone from Equifax not able to speak good English and I have to keep repeating myself. Not only that I have been hung up on, but I also have left messages for supervisors to contact me back regarding my SCORE and no response. The worse customer service! I paid off a home loan last year, paid creditors that were listed on my report, and etc and my credit score has not changed a bit. I am discussed with Equifax.

I dont need a copy of my credit report. I need answers! My credit score is lower than my other scores. I know fully what is going on with my credit and know that my score should be much higher. I am writing letters to the XXXX XXXX XXXX, Mayor, and anyone else that needs to be notified about Equifax behaviors. Credit scores are important in everyones ' life and to have people like this at Equifax with disrespectful and inappropriate behaviors that is handling your credit report is scaring. If I dont receive a phone call back, I will file a law suit against Equifax, which I have already spoken to an attorney!
Product: Credit card

On XX/XX/XXXX, we paid XXXX XXXX XXXX the amount of {$6600.00} for a beach rental the week of XX/XX/XXXX. This payment was made using our Discover credit card. We have recently been informed that Stellar Property Management is no longer in business and XXXX XXXX ( owner of Stellar ) has been stripped of their broker license while allegations of fraud are being investigated by the XXXX XXXX XXXX XXXX. We rented with XXXX XXXX XXXX with the terms that we could receive a full refund 90 days prior to the rental date and have tried unsuccessfully to receive our refund as there are no current employees at XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX ) On XX/XX/XXXX, I ordered a pair of boots on XXXX and paid {$61.00} via PayPal and I expected to receive a Left foot and Right foot. The details of my order are still in my account on the XXXX XXXX online store. 2 ) On XX/XX/XXXX, I received my order from XXXX XXXX XXXX ) On XX/XX/XXXX, I opened the package and realized that XXXX XXXX had sent me the WRONG product : they sent me a Left foot and Left Foot. Nobody can walk in a left foot and left foot pair of shoe. XXXX XXXX XXXX XXXX advertised a Left and Right shoe ( see attached screenshots of their product advertised on their online store ). 5 ) I immediately attempted to contact XXXX XXXX on the phone the same day I received the order, but could not get through the line. 6 ) Then I submitted a claim on Paypal the same day too.7 ) All I need is to RETURNthis WRONG product to XXXX XXXX and get my refund. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they see that the items were wrong and are going to be fixing the issue. They say they will send me an email confirmation. But I have never received any email follow-up and certainly no resolution. 

Rather, they keep on sending me a " request for information '' requiring me to take the boots to an expert who will then certify on an official letterhead that the item is not as described. 
Never mind that 1 ) we are talking of a {$61.00} leather boot, 2 ) they can see clearly from the pictures that the item that they sent is wrong 3 ) why must I take the book to an expert for certification when I am asking the XXXX to take their boots back? they can take it back and certify for themselves if the item is correct or not. 

These outrageous request for " expert certification '' from paypal and its sellers are corrupted denial tactics to abuse customers when they know that they have no other reason to withhold a refund. 

This issue occurred in XXXX, 2 months ago. If ninewest and paypal truly lived by what they purport to be their values, they would have promptly apologised for the mistake. Rather they chose to put me through endless aggravation for a mere {$61.00}.
Product: Credit reporting

TransUnion Consumer Solutions XXXX. XXXX XXXX, PA XXXX ATTN : Legal Department Re : File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX CTY MUNI CT ( Docket # XXXX ) ACCT. BAL : {$250.00} This account has been paid in full. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$6800.00} This account was charged off. Please delete 3. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT. BAL : {$420.00} This account has been charged off. Please delete. 
XXXX. ACCT NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$440.00}. This account has been charged off. Please delete. 
XXXX. ACCT. NAME : XXXX XXXX XXXX ( ACCT. # XXXX ) ACCT BAL : {$1200.00}. This account has been charged off. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is that the account is reported as {$760.00} dollars past due however i have paid this debt and they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. This account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have paid and attached a picture for you to see that XXXX, XXXX  are reporting correctly but XXXX  continues to show a balance that should not be there.
Product: Mortgage

I..XXXX..am DISPUTING THIS CF-GOV CASE # XXXX ; where as the discrepencys of Wellsfargo training there hired venders, and there Employee 's trasspassing on my real proporptys, violating the Us protection Privacy Law 's of the United State 's of american over the phone , and there Contacting systems locacated in out of US State, And World wide.. : These employee 's state they donot have to give the State or Federal tax Id # 'x or proof 's of acklly working for Wellsfargo, or are not required to have a State Number with they are targeting consumers on the collection 's on Mortgages, or they state they also do n't have to give there Federal Finance Registrations ID numbers independently operating against FHA/HUD, Or VA Loans. The Crimes of changing the these Loan Address 's to aquire other people 's real propertys, I really belieave these are Federal crimes., And the US Government is not doing anything about it to protect the US Consumer 's privacy 's or inforcing compensation 's for hardships placed on Consumers from there opperating praces in a fuadulate manor also know as racketering, and international laundring of fund transfer 's. // case # XXXX -- -- WELLSFARGO-XXXX ! ... ./ used-court : to rob me, restraine me from my propertys-they moved, took my house items then, lefted i went to court/they did-not appear/judge cooper dismissed the case and told me to return home? I was never helped in paying this loan from XX/XX/XXXX to XXXX and my personal propertys were never returned, nor did the Insurance compenstae me me at that time ; XXXX XXXX '' When she lefted : On return : XXXX XXXX Sheriffs break out the glass doors : my bank account informations address 's had been stollen ; changed to a XXXX address of XXXX XXXX XXXX XXXX XXXX, ILL.,XXXX, had been paying also a on a $ 300,000ins-policy that was on the mortgage payments on me : have been spearheaded-buy peoples that have been fruading me, free legal attorneys-AZ, Bank accounts, XXXX retricted me from having an account in the-bank-over XXXX were taken. ; XXXX XXXX per the US Passport agency:
Product: Credit card

the account keeps reoccurring charges after being closed. 
this has been going on for 18 months. 
today an account that was closed in XX/XX/2023 was billed {$24.00}. and is now late affecting my perfect credit score. 
Apple Card GS Bank
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX XXXX Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX  & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Checking or savings account

Between XX/XX/XXXX and XXXX XXXX charged our account {$21000.00}. We contacted XXXX XXXX XXXX on the XXXX while many were still pending. We were told that the charges would be reversed and funds back in our account the next week. Yesterday, the bank said they could not do anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized accounts and inquiries on my credit report, as listed below. These accounts and debts were not opened or authorized by me and are the result of identity theft caused by the Equifax data breach in XXXX. I am requesting their immediate investigation and removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which governs the blocking of information resulting from identity theft. 

The unauthorized accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me, and I believe they were fraudulently opened using my stolen personal information. Under 15 U.S. Code 1681g ( e ), I am entitled to a free copy of my credit report if inaccuracies are due to identity theft. Please provide me with an updated report reflecting the removal of these fraudulent accounts.