23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Opened computer in the morning, XXXX had a notification of XXXX XXXX web site had my personal information. Purchased program from XXXX to fix the dark web on my computer. Picked up my phone and googled and called XXXX customer service. Phone number popped up at the bottom and I clicked and called. It ended up being a scammer. It asked me to download an app on my phone. I was informed that my XXXX was not secure by person on the phone. I said " are you from XXXX '' He said Yes. I downloaded the app he got into my phone. Once he got into my phone he advised me to apply for and XXXX XXXX and also confirm my identity to send money to him on cash app. When we initially did the {$2700.00} cash app denied it so then he asked me to do {$200.00}. That went through. Then he asked me to do {$2700.00} and this went through. He then asked me to transfer the {$2700.00} to him and this was denied. He then had me send in increments of {$49.00}, $ XXXX, {$120.00} ( declined ) {$160.00} ( declined ), {$400.00} ( declined ), {$200.00} was attempted to be added and that was declined. A different card number was then put in ( ending in XXXX ) and that added {$200.00}. It failed {$200.00} to send back, and then failed {$200.00}, {$100.00} ( failed ) and then failed adding {$200.00} on his card ( XXXX ). He then had me put my card back in ( XXXX ) and he took {$200.00}. We then had a failed attempt of {$990.00}. Another failed attempt {$200.00} and another of {$970.00}. Then Cash app out to path ward of {$200.00}, {$250.00}, {$250.00}, {$250.00}, {$250.00}. He then had me attempt to send another {$2700.00} to XXXX ( {$690.00}, this failed ) Cash out of {$2700.00} failed, cash out of {$500.00} failed, cash out of {$1200.00} failed, cash {$2700.00}. Then my card is back in at ( XXXX ) added {$2700.00}. Please see notes on uploaded documents. I appreciate and help I can get with getting the {$2700.00} back plus the {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've already filed a complaint with XXXX and according to my latest credit report, they did NOT change the incorrect information. The Home Equity Loan was not included in my bankruptcy but rather XXXX  failed to complete the loan paperwork correctly and therefore the loan was discontinued and written off. They removed this item from my husband, XXXX XXXX XXXX Credit Report already.
Product: Debt collection

I have been receiving harrasing calls all different times of the day, constantly during my work day and have asked them to stop. 
They even went as far as to contact my young son, who lives with his father in another state and caused them worry and stress, because someone called them and said they were looking for me. 

I signed up for a XXXX with XXXX XXXX out of XXXX. 
They fill the room and sell people programs. 
I was immediately financially affected by the fires in California and could not reach anyone to cancel. No local phone numbers or contact information was provided. 

I never, ever participated in any calls or events afterward, never recieved any information, value or any products from this company. 

I want then to stop. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wasnt informed that my account was closed due to negative balance but I have been out of work and homeless since XX/XX/2022. I just recently was told my taxes would be released and chime will not reopen my account even tho I agreed to pay the negative balance. I really need my account reopened please I need my money to get my life back.
Product: Debt collection

They started garnishing my wages in the middle of 2020 without ever serving me or notifying me of any court dates or about anything that was going on. I called Bursey & Associates today and asked for the balance, my credit report says I owe about XXXX and they said I owe about XXXX. Total different amounts. They claimed that someone else received the paperwork they sent me and lied about me be living there and being there at the time. I have proof that I did not live there where they sent paperwork.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment : XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I leased a car and it was in a accident and totaled out it took along time for it to be totaled out and their saying that i still owe them after the car was paid off by the insurance company. The account says closed but the date says XXXX i wasnt even born then. Now they left the status open and keep charging late fees and late payments now i have 24 late payments on my credit report. Its been 2yrs. So it looks like i have a open car loan out there
Product: Debt collection

I'm going to paste here my original complaint I filed with the XXXX. 

This collection company called YCCS was given an overdraft that occurred on my bank while I was out of town to go to be with my dad who was XXXX. He was put in XXXX. I left in XXXX and didn't return until the beginning of XXXX. I didn't have access to my banking and funds nor did my spouse as he drives truck and has never done any banking. I paid the balance in full to these people and asked them as a courtesy to remove it from my credit bureau as a good will gesture. The supervisor who was a man named XXXX refused to delete it and said there was absolutely no way they could do that they could only mark it paid. I couldn't help that I had to rent a car and drive three states away by myself to be with my XXXX dad and had to pay for his XXXX. There is no reason they can not remove this only they are being complete and utter jerks. They get a thrill out of ruining people 's lives and credit. During the pandemic we worked very hard to try and keep our credit and our heads above water then you have creeps like this who come along and destroy everything. They said it would go against their agreement with the credit bureau which is totally false. It's a company decision, not a credit bureau decision. I wasn't even aware this had happened until I received the XXXX Notice. We were in the process of closing that bank account they were collecting on and switching to a new bank because the bank we were with was dire. None of their banking apps worked. They were not open XXXX. A Whole bunch of reasons. I wasn't expecting the debits to come through the bank. 

In addition, which I forgot to add, they reference two payments that bounced. Well I explained to them the dates they wanted to set up were before our dates of getting paid and I have to always move money around because our main bank is 3.5 hours away and there is no branch near us. I wasn't aware the payments had bounced because I can't see bounced payments in my account, they just disappear. Regardless, I paid every XXXX and they are using this as a power play to ruin my credit. I told them how difficult it was during the pandemic to keep our heads above water and our credit semi good. No bankruptcies or anything else just some slow pays. We are just now getting back to some income rhythm. I explained the extenuating circumstances and the boy named XXXX explained they could not do a goodwill gesture. That is not true, it's down to a power play on their part. 

I have all the documentation to back this up.
Product: Credit card or prepaid card

On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.
Product: Debt collection

I have insurance and the hospital did not submit my insurance information to cover the costs for this bill. I've called the hospital multiple times to have them add my insurance to the bill. They failed to submit any of my information and now my bill has been sent to collections.
Product: Credit reporting or other personal consumer reports

I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Original creditor was a XXXX XXXX ( XXXX XXXX XXXX ) ; insurance company denied payment because services of an assistant are not usually required during type of procedure ; I received a bill in XX/XX/XXXX almost a year after my XXXX in XX/XX/XXXX ; I immediately called the surgeon 's office ( on XX/XX/XXXX ) and original creditor numerous times ( beginning on XX/XX/XXXX ) to obtain additional information to assist with getting claim paid by insurance company and/or to determine whether or not I should dispute the claim myself ; there were no notes by the surgeon indicating an assistant was used during the procedure ; every time I spoke with original creditor 's office I was told they would call back with more information but they never did ; the amount I was billed by the original creditor was {$430.00} ; I wrote letters to the original creditor on XX/XX/XXXX and on XX/XX/XXXX requesting additional information but got nothing ; while I was still trying to get information from original creditor they referred the debt to a debt collector ; the debt collector sent a collection letter and called me repeatedly, telling me I owed {$2700.00} ( principal - {$2500.00}, interest - {$140.00}, interest rate 8 % ), despite my requesting validation of the debt ; I mailed a letter on XX/XX/XXXX, via certified mail, disputing the debt and requesting validation of the debts, amounts owed, and any agreement authorizing fees, interest, and other charges ; the service date was not the date of my XXXX and the amount they were trying to collect was more than 5 times the amount I was billed by the original creditor, so I was certain this was a mistake. I have still not received a response to my request for validation of the debt, but the debt collector has begun calling me repeatedly ; when I answered the phone and stated I had requested debt validation the collector told me it was in the mail and it's valid so how did I want to pay ; she was very rude and nasty to me, when I was genuinely trying to resolve this situation ; I genuinely believe this is all a billing error but can't get any information whatsoever from either the original creditor or the debt collector but I keep getting harassing phone calls ; I have signed copies of all correspondence and return receipts
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted XXXX, XXXX, and Experian. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs Midwest Recovery Systems, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off. 

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.
Product: Credit reporting

On a few separate occasions I have disputed with all XXXX credit bureaus Equifax, XXXX, and XXXX pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
Product: Credit reporting 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.

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION , XXXX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. ( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! ( 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 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

I, XXXX XXXX, am demanding experian to remove account ending in XXXX from the consumer report the information is in fact inaccurate If, after any reinvestigation 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.Consumer reporting Agency XXXX has promptly deleted account ending in XXXX. ( See attachment )
Product: Payday loan, title loan, or personal loan

Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks you.
Product: Mortgage

This is part of the Wells Fargo claims. I refinanced my home mortgage with them in XXXX and paid the loan in XXXX. I do not believe it was reviewed with the other class action lawsuits because the loan was paid in full. I would like it to be reviewed as part of the settlement. I believe this because when I reached out to Wells Fargo to obtain the loan number last month they infomercial it would take two full months to get the number ( which is ridiculous because I can obtain my XXXX orders from two years ago in 15 seconds! ). If my loan information was so hidden I dont think they reviewed it.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I demand that these account be permanently deleted from my credit file
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. 

Office of attorney General- acct # XXXX 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 : It also states a consumer reporting agency can not furnis a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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

Hello The fraud I experienced involves involves my student loans with the U.S Department of Education and Fed Loan Servicing. In 2018 ( I was recovering from XXXX XXXX ) and I was contacted by an agency that said their name was " XXXX XXXX XXXX. '' They also went by the name " XXXX XXXX XXXX. '' I am a licensed social worker in MA and this agency informed me that I was allegeable for a public service or loan forgiveness program, as I worked and continue to work for a non-profit. They had me complete some paperwork and then told me I was accepted for loan forgiveness and instructed me to stop making loan payments. I later learned that I had been scammed. They took money from me and I missed 4 loan payments that are now on my credit report. I did submit a " Direct Credit Dispute Form '' with Fed Loan Servicing and provided evidence of the fraud. Fed Loan servicing agrees that I was scammed but stated that I must contact FTC to make a report. I did submit a report with FTC - but it says clearly that its just for reporting but can not solve the issue. The FTC voice mail instructed me to contact Consumer finance to submit a report and provide evidence of the fraud.