23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Thursday XX/XX/year>, at approximately XXXXXXXX XXXX, I received a suspicious text message from a phone number out of Florida ( XXXX ). It came from a place called prg, wanting me to call another phone number out of XXXX, New York, XXXX. The message States the following Update : XXXX this is XXXX with prg. Please call us at XXXX regarding your file. Reply stop to stop. 
Due to the suspicious nature of this text, I immediately applied stock and have blocked the Florida number. I have been getting other numbers that are coming from the XXXX New York XXXX b following day at XXXXXXXX XXXXLooked up prg online, and have found on XXXX notes, that it possibly represents premier recovery group out of XXXX New york. From what I have seen in the research on this, especially out of the XXXX XXXX XXXX  website this company has numerous complaints against it that have not been answered by the company, which leads me to believe that it is a scam company. I also see information from two law firms that have cases against this company for their questionable practices in collecting alleged debts. 

I want to make it very clear, that I have no outstanding debts whatsoever, nothing in collections, and no legal actions against me at all. These companies that have been trying to collect invalid debts against me, and I want them stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  are reporting this account on my credit report. XXXX is from XXXX XXXX i have asked financial to send me a validation letter but they have not after several requests. XXXX XXXX is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

transunion and XXXX both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

opprotunity financial has verified this debt being correct as well.
Product: Checking or savings account

I was charged four overdraft charges for three overdrafts and Bank of America refuses to reverse two of the fees., Bank of America further cleared items after I had checked balance to ensure funds were available, then proceeded to collect fees unethically.
Product: Credit card or prepaid card

There is a charge of {$31.00} on my GM MasterCard that happened on XX/XX/2018. I claim that two billing cycles went by after that {$31.00} charge where I received NO paper bill per my account settings. When I noticed an email notification that the account had been frozen I immediately called and paid the account, and requested a review of the paper billing process. I also requested that CapitalOne remove the derogatory information from my credit report, as I feel that either the mail, or the CapitalOne billing system failed to deliver a bill to me. Please note that the delinquent amount reported was for this one {$31.00} charge plus a couple of late fees. There is hardly any reason to assume financial hardship on my part as a reason for the late pay, and furthermore my credit score at  the time was better than 800 I've never missed payments in the past. 

I will attach two rounds of recent communication w/CapitalOne where I once again ( recently ) requested that they remove the derogatory information from my report. 

The first letter from me is rather lengthy, as I wanted to address the things that CapitalOne representatives told me by phone when I initially tried to resolve the issue late last year by phone. Aside from addressing those phone calls, the essence of request # 1 is " I didn't receive a paper bill, can you please remove this information from my report? ". Their response was to recite a fact that is not being contested, ie " the payment posted late ''. Yes, the payment posted late because I was not billed. 

The second letter from me is quite brief. I ask CapitalOne directly what is their policy when a customer claims to have not received a bill in accordance with the account settings ( in this case, a paper bill delivered by U.S. mail )? Their reply is quite stunning, as it totally avoids the question that I asked, and simply restates the non-contested information " the payment posted late ''. 

I do not feel like the responses from CapitalOne lives up to the standards of proper consumer interaction, nor is it consistent with fairness in credit reporting. 

I am requesting that CapitalOne directly answer my letter # 2 questions and/or remove the derogatory information from my credit report. 

Thanks for your attention to this matter. 
Sincerely ...
Product: Credit reporting or other personal consumer reports

I received an email to XXXX from Experian regarding my credit account but this person was not me. I have tried to speak to someone and reach out to Experian regarding this account number Membership ID # XXXX that is linked to my email. Someone named XXXX is linked to my email address. My information has been compromised in the past and has found to have some dark web connections. I am having the hardest time getting this resolved with Experian, since I can not email or speak directly to anyone. I feel very violated and scared of what can be happening with my identity. I would like to make a formal complaint regarding Experian compromising my identity once again and not providing the correct support. Please Help!!
Product: Debt collection

I have received several phone calls from this company in the past 20 hours. They will not tell me why they are calling or what type of company they are. They simply repeat that they are a company that handles my " personal financial business, '' and that they need to confirm my identification by means of obtaining my name, date of birth, social security number, and address for their files. When answering the phone, they told me they are Glass Mountain Capital, but the phone numbers they call from do not match any listed online. I had to do research to determine that they are a dent collector. I am a stay-at-home mother. I have never had any type of loan, never purchased an item such as a car or house. I've never had a credit card. I've not worked since before my XXXX  was born, and I've had this phone number for 8 years. If I had a debt, it would be almost a decade old, and they would have contacted me prior to now.
Product: Money transfer, virtual currency, or money service

This is a continuation of my previous [ first ] complaint against Capital One Bank [ case # XXXX dated XX/XX/XXXX. Capital Ones [ CO ] response dated XX/XX/XXXX said nothing at all, and therefore was totally unresponsive to the new issue raised in my complaint. Capital One simply responded that it had previously advised [ me ]... that XXXX XXXX communicated... that there were no funds available to return. That is true. However, CO completely ignored the substance of my allegations against Capital One itself, which are summarized below : The facts are clear that on Saturday, XX/XX/XXXX I contacted Capital Ones Customer Support office by telephone, and I told a representative to advise that I suspected fraud in connection with my authorization the previous day XXXX XXXX to wire {$24000.00} to an account at XXXX XXXX. The representative told me that You need to call back on the next business day [ that is, Monday, XXXX days later ] because there is no one at Capital One on a Saturday who can take action with regard to a wire transfer. 

On Monday, XXXX XXXX at approximately XXXX a.m. XXXX I again telephoned Capital One and reported the fraud to someone at their Account XXXX dept. Apparently action was taken and I was later advised that COs fraud recall request [ also referred to as a Hold Request or LOI ] was sent to XXXX XXXX at XXXX XXXX XXXX XXXX on that same day. 

Other evidence shows that on XX/XX/XXXX the fraudsters XXXX XXXX account received a wire of {$47000.00} from XXXX Bank [ from Victim # XXXX ] and also my wire of {$24000.00} from Capital One ; and that XXXX Bank [ on behalf of Victim # XXXX ] also sent a wire recall request to XXXX XXXX on XXXX XXXX. On XXXX XXXX XXXX closed the fraudsters account, and returned the full amount of that {$47000.00} wire to XXXX ; and XXXX returned nothing to CO in connection with my wire, because no funds remained in the [ fraudsters ] account. 

It seems clear that if Capital One had taken action immediately on XXXX XXXX when I first contacted it to report the fraud, and had sent its Hold Request to Wells on that day, there would have been a very different outcome : COs return request [ LOI ] for my wired funds would have been received substantially before a similar request was received from XXXX on XX/XX/XXXX. Then pursuant to WFs so-called first- come, first-served procedure, there clearly would have been sufficient funds in its customers account for XXXX to return the full amount of {$24000.00} to Capital One for my benefit. 

Capital One did not in any way address or explain or justify its actions summarized above. Therefore Capital One completely failed to respond to my complaint in a responsible manner, and it must now be held accountable.
Product: Vehicle loan or lease

They made a offer for XXXX then took the car. They sold the car so how do I owe XXXX still
Product: Credit reporting or other personal consumer reports

I raised the below via XXXX XXXX. All that TransUnion has done is continued to restate the same irrelevant information that has absolutely nothing to do with my concern, despite me politely asking them to please respond only to my concern. Again, TransUnion, simply answer the below concerns, preferably by numbering, and do NOT provide any extraneous information just because your team wants to copy and paste information to breeze through concerns and look like your team is responding. You're not. 

Furthermore, you told me to unhelpfully contact your support team for a XXXX time, as if that did not start this complaint to begin with, which I did on XX/XX/XXXX to waste another hour of my time with a team who can't even see the XXXX  concern. Your team should well know this. You ( your executive team, or whomever reviews and responds to this ) is more than capable of providing a call given that your support team is incapable of providing any help, but you have refused to do so or even to address this.

Please answer the direct questions below : 1. I update my credit score daily with Credit Karma and, as of XX/XX/XXXX, I had a decrease on TransUnion 's side of about XXXX points. When I checked what changed, a balance decreased and a hard inquiry was removed, so I shouldn't have had a drop like this. Can this please be clarified? There are no errors on the report- it's the corresponding positive reasons that should not result in a drop. Again- unlike what was stated by your company in the XXXX XXXX XXXX updates *up to* once per day, not every 7 days as your team incorrectly mentioned. Likewise, I have seen your credit bureau update with XXXX daily. They are your partner, and they get their information directly from you. They have stated that this score and the corresponding factors come directly from TransUnion, which is correct. This is a TransUnion issue, you provided the XX/XX/XXXX report to XXXX, and I need you to, again, provide context per the above as it does not make sense. This is not a CK issue, I have already contacted them. Please do NOT generally tell me how scores are calculated. Address the specific points I have mentioned above.

2. Please confirm that you have left a complaint for the manager XXXX, who also did not answer my question and refused to escalate, per chat XXXX. Again, this was completely ignored in the XXXX  despite me stating multiple times.
Product: Credit card

My balance on my card it split, some of it is being charged interest while another portion of it is currently 0 % interest. I made payments in XXXX and XXXX that exceeded the part on my card being charged interest by about double. I expected the portion being charged interest to be paid off but rather they only put a small portion of those payments towards it and put the majority of the payment onto to 0 % amount. I called them and made a compliant but after a week I have yet to hear back from anyone there nor was I allowed to speak to a supervisor the day that I called them.
Product: Debt collection

This account was opened on XX/XX/2022. It has a balance of {$2100.00}. I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN XXXX XXXX AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EQUIFAX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.
Product: Money transfer, virtual currency, or money service

Paypal has refused to close a business account I opened for a business I did not end up starting in 2014. They are requesting bank documents from the business that are no longer available and making it unnecessarily difficult to close the account at my request.
Product: Money transfer, virtual currency, or money service

complete fraud! since 1 year they do not allow me to add a new bank to withdraw funds. since weeks I cant send any money to other users their system declines!

when I contacted support they asked for my bank statement and ID document. then I got a message that I must wait another 15 business days. this is a fraud they have {$4200.00} from me. I reported them here before they are just lying very good trained scammers. law enforcement must take action
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Student loan

I did not receive a bill regarding my student loan repayment that was to resume in XX/XX/XXXX per the federal government. When getting online to setup my account with Mohela, I had a payment due in XXXX and was not notified of this payment 21 days in advance as indicated by repayment guidelines. According to Mohela I had a payment due on XX/XX/XXXX and again on XX/XX/XXXX. I paid both today, XX/XX/XXXX, but am trying to get information about reporting to the credit bureaus. This payment request was not submitted to me in advance of the payment which was supposed to be at least 21 days before the due date. There are numerous reports/articles regarding this issue and how poorly Mohela is handling the student loan servicing from thousands of borrowers. Will this negatively affect my credit?????
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.
Product: Debt collection

I signed up for XXXX home internet under the advertised terms of {$50.00} per month, no commitment, cancel anytime. Due to service issues ( the internet was not working properly ), I canceled my service and returned the equipment to the XXXX store in XXXX XXXX XXXX DE. 

At the time of cancellation, I was informed that my balance was {$0.00} because of the service issues. However, I later discovered that XXXX continued to charge me and reported a balance due. 

I have attempted to resolve this with XXXX, but they have not corrected the issue. i request that XXXX : 1. Confirm my account is fully closed with a {$0.00} balance as initially stated. 

2. Remove any incorrect charges and collections associated with this account.
Product: Credit reporting or other personal consumer reports

Please find the attached documents ; the personal information you are reporting does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give Ally Financial Inc. permissible purpose, nor did a court of competent jurisdiction issue an order for Ally Financial Inc. to furnish an inquiry to XXXX, XXXX. Ally Financial Inc. and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Ally Financial Inc. and XXXX, XXXX. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Ally Financial Inc. and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.
Product: Debt collection

Never received any notice or request for debt. Never opened an account, identity was stolen.
Product: Vehicle loan or lease

I want these inquires to be deleted. I did not authorize these companies to run my credit. 

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