23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call on my personal number saying that I now had an upcoming court date. The number was a XXXX area code, the same as mine, but I was supposed to call back an XXXX number. They stated the court case number in the message. They also called my employer, and left the same message, revealing my court case to my employer. I have not been previously notified of this debt, nor did I have any knowledge of it. They claim this is a credit card from XXXX XXXX in 2009. I contacted XXXX XXXX and they did have a record of me having a credit card, but that I paid the amount owed in full and they had no record of having to sell it to a debt collector. When I talked to the collector on the phone, they put me on hold to speak to the original creditor, and came back with a settlement agreement which they then emailed to me. I googled the name of the company- XXXX XXXX XXXX XXXX XXXX and was unable to find anything. I also did a reverse look up on the phone numbers given to me to contact them and couldn't find anything. I emailed them back asking for proof of ownership of this debt, and their response was that they were unable to provide it as the " discovery process '' was already over, even though this was the first time I had been notified of this debt. I am at a loss for what to do, as they claim the original creditor was XXXX XXXX, and I spoke to them and they have no record of this. I also feel that it is illegal to give out a court case number to my employer and leave it in a voicemail that anyone could have heard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XX/XX/XXXX ''
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, I contacted a person by the name of XXXX XXXX on an app called XXXX about purchasing a XXXX  Puffer Jacket. We moved our conversation to XXXX, where he sent me photos of the jacket and told me his email address. I paid him XXXX euros + XXXX euros for shipping. 

Two or three weeks later, I go to the post office to pick up the package. As soon as I picked up the package, I could tell there was not a puffer jacket in it. It weighed about 5 ounces. I opened the box and there was a wool liner shirt in the box. I contacted the seller on XXXX, and after about 6 messages he blocked me. 

I immediately filed a claim with Paypal. I thought it would be a simple case -- I had clear and convincing evidence that this person scammed me. I submitted all of my evidence to Paypal, and I paid {$20.00} to ship the wool shirt back to the exact address it was sent from. However, I did not take a picture of the return label -- because the clerk at XXXX typed in the address and affixed the label herself. 

Paypal ultimately denied my claim, despite the fact that I provided a tracking number, because I didn't show the address that I shipped the item to. They explained that the BUYER PROTECTION program is also meant to protect sellers who " accidentally ship the wrong item '' and would be harmed if the purchaser falsely shipped the item back -- which is completely logical... IF THE SELLER ACTUALLY SENT THE ITEM BY MISTAKE. But when the seller clearly ships a wool liner shirt instead of a {$1500.00} XXXX puffer jacket, then BLOCKS THE PURCHASER ON XXXX, it is beyond apparent that the transaction is fraudulent, and Paypal has a duty to its users to diligently and accurately investigate fraud on their platform, which they failed to do here. Paypal 's employees were extremely negligent in investigating this fraud claim and I've been harmed as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spent countless hours on the phone with various employees of XXXX over the span of a months. I initially cancelled my service because the coverage was inadequate. I was a customer for less than 3 months. When I called and cancelled the service I was told we were all set, the service would be suspended immediately and nothing else was required of me. 

Fast forward 6 months and there's a collection notice on my credit report for {$710.00}. They continued to charge me for service I was not receiving or using. I immediately called XXXX thinking this was a mistake and could be corrected easily. I was told the account was already closed and there was nothing they could do about it. Meanwhile they had never sent me a bill, a statement, or anything via email or physical mail so I'm not sure how I was ever supposed to pay them at all. The following are the records I have of phone calls because I started documenting this whole ridiculous process myself XX/XX/2022 Employee ID XXXX XXXX XXXX and I spoke for XXXX hours and I thought we had resolved this. She told me that it would take some time, but by XX/XX/XXXX should be XXXX balance on my account and we could get this removed from my credit report. 

On XX/XX/XXXX I spoke with XXXX XXXX Employee ID XXXX Still seeing this delinquency on my credit report I called back. She had no records of what I was talking about and wouldn't provide me a copy of the recorded call I had previously had with XXXX. She told me she would escalate the situation and I should expect a callback on XX/XX/XXXX XXXX XXXX XXXX XXXX the supervisor I spoke to ( they apparently don't have employee IDs ) on XX/XX/XXXX. We spent an hour going back and forth for her to repeatedly tell me I should take it up with the collections agency ( an absurd recommendation ). She said that since the account had already been sent to them there was nothing they could do ( obviously not true ). She told me basically that I was XXXX and responsible for the erroneous charges that XXXX levied against me and there was nothing that she or anyone else at the company could or would do for me.
Product: Checking or savings account

I was opened a Checking and a Savings account without my consent by Wells Fargo Bank, Which caused to close and go in Over draft and ruined my credit
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

*On XX/XX/XXXX, I needed to access my credit freeze. I couldn't log in via Experians IVR system or website, my ID/PW was not accepted. 
*I attempted to utilize Experians " Forgot Password '' and " Forgot User Name '' functionality in addition to standard login. Each time I received " Sorry, but that didn't match up. Please try again. '' *In Experians IVR system, when I requested to speak to a representative the system wouldn't allow it ; multiple attempts were made. 
*I 've sent 2 emails to the email address provided on the Experian website ( XXXX ). I have not received a reply. 
*I have a credit freeze with both XXXX and XXXX XXXX All three were opened at the same time and I have no issues with XXXX and XXXX. Their service works great.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Product: Credit reporting or other personal consumer reports

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692 , 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

1. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, 2. ) XXXX  [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity 3. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY 4. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY 5. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, 6. ) XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax
Product: Mortgage

I

am in the process of refinancing my current mortgage. In order to make a financially sound decision, I need to know certain key information about my current loan including the amount of interest remaining on my loan from now until its maturity. To that end, I have called my current loan servicer,
Bayview Loan Servicing ( Recently changed name to Community Loan Servicing ) on multiple occasions to obtain this key information about my loan.

However, the loan servicer customer service agents have shown an unbelievable level of reluctance and incompetence, and to some degree outright refusal in helping me obtaining this information. As a result, I am not sure if I am making a correct decision in refinancing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed numerous names and address that don't belong to me and after trying to correct this issue the credit bureaus haven't resolved this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I contacted Transunion about an unauthorized Inquiry on my consumer report. The representative informed me that the inquiry will stay on my consumer report for 2 years. I filed a identity Theft report with the FTC which I am attaching with this claim. The inquiry in which i am referring to is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports and 18 U.S. Code 1028A - Aggravated identity theft | U.S. Code | US Law | XXXX XXXX Legal Information Institute, I did not authorize or have any knowledge of any individual, corporation, Financial institution, or any other entity to access or use my personal information, which is a clear violation of the FCRA. 

Furthermore, I do not consent to Transunion adding any fraud alerts to my consumer report, adding more insult to my consumer report. 

Please see attached Identity report with the Federal Trade Commission for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/2022 to XXXX XXXX XXXX, XXXX and Equifax Information Services LLC asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$480.00} - Date Opened XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Unauthorized inquiries 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

XX/XX/2020 - 2 fraudulent charges one in the amt of {$150.00} and other for {$500.00} were made on my checking acct ending in XXXX. One charge of {$150.00} was sent credited to my account - the {$500.00} Wells Fargo insists the charges were made by me or an authorized representative through a XXXX transfer. First, I have never ever opened or authorized anyone to open a XXXX account. WF states it was made through my cellphone. I immediately contacted WF when I saw these charges pending on my checking account and was advised Fraud Dept would handle and refund my money. Numerous months passed with correspondence going back and forth with WF insisting - I made the transactions. I have opened a new checking acct and filed reports with the FBI, police, credit bureaus along with complaints with WF executives, CFPB, Senator t and involved the media with regards to my complaint with WF. Their communications reports reflect it was done on my cellphone - I went to the XXXX store to have my XXXX checked for anything and everything - they state malware and spyware is possible on an XXXX - so I bought a new phone. I have done everything humanly possible to protect my account going forward. WF sent me a letter stating the {$150.00} was credited to my acct. Where is my {$500.00}? I am also upset and disappointed this XXXX account remaining open by WF after I advised them, I never opened it ... this was discovered accidently looking for the ATM access code withdrawal ( which I use ). I have been a customer with WF for over 25 years with my checking account and they are questioning my integrity which is not taken lightly being a United States XXXX XXXX Veteran. Why is it when WF data has been breached ; consumers must accept it but when one 's personal data is compromised, we are left to fend for ourselves? WF is crazy to think anyone will not fight for their money especially when they did not authorize or even know the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/2020 my XXXX  score dropped from XXXX to XXXX with no explanation. MY credit is impeccable and I am not delinquent in any debts. XXXX did put an erroneous entry in collections, but that problem is being resolved by the XXXX executive office. XXXX XXXX is the contact at XXXX XXXX
Product: Vehicle loan or lease

This company is breaking the law by failing to provide proper validation details as required under 15 USC 1692g. Despite this, they've added a collection to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

I received several forms and letters from Freedom Mortgage. I was told a notary public would arrive at my home to sign loan modification documents and I should begin making payments XX/XX/XXXX. The full mortgage payment was paid XX/XX/XXXX. Since I signed the document on a weekly basis I either receive a call or a letter that I owe for XX/XX/XXXX. 

I consistently advise the customer service agents that call me for over due payments that this is not correct and please review my account. I am then advised that my account is not updated and will be updated soon. On XX/XX/XXXX I received another call from from freedom that I owe for XX/XX/XXXX. I told the rep I paid that mortgage. She said to me that amount was applied to my XX/XX/XXXX mortgage. 

On XX/XX/XXXX I received a letter that I owe over {$5000.00} I have tried effortlessly to fix this issue with Freedom. I am given the same answer each week. The answer is the system needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry for a capital one auto loan but Ive only had one car and that was with another bank. My name has never been on any car dealing with capital one.
Product: Consumer Loan

I filled a complaint with CFPB about 45 Days ago. In this complaint I asked that Wells Fargo to stop calling me. Wells Fargo ignore this complaint and continues to call me regarding collection of this debt. Most recently I was called on XXXX XXXX at approx. XXXX, When I asked to speak to a Supervisor the Agent Hung up On Me.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022, I visited the PNC branch in XXXX, Virginia, then met with a branch banker for the purpose of ordering an international wire transfer. These funds in the amount of {$220000.00} were to be transferred from my PNC checking account and into a bank account in XXXX for the purposes of renovating a small home that we purchased for my wife 's parents to live. The branch banker and other bank representatives were very friendly and helpful. I sat with the branch banker and we performed the process together and I received confirmation that the international wire transfer was sent on XXXX XX/XX/2022 at approximately XXXX. I was also told that it would take XXXX days for the funds to arrive at their destination. It is now the XXXX of XX/XX/2022 ( XXXX days later ) and the funds have still not arrived and nobody can tell me where the funds are. Last I heard was that funds were sitting at an intermediary bank ( XXXX XXXX XXXX ). I called the receiving bank and they have informed me that XXXX XXXX XXXX is not a bank that they deal with. Meanwhile, PNC, although very polite every time I call then, has not been able to explain what has happened to my {$220000.00}. Can you assist? If not, whom should I contact? Thank you.
Product: Money transfer, virtual currency, or money service

I put some money into coinbase. I moved to XXXX for a while and started a XXXX coinbase account because my bank, XXXX XXXX, does not support international transfers unless you go into the branch, which is not possible if I am outside the country. So coinbase has frozen my accounts for about a year now. I can not move my crypto out of there. I have about XXXX in both these accounts currently and I have not been able to access it for a long time. Whenever I contact support they really do nothing. They give me a link to upload a bank statement and it just won't accept it or they do nothing. Or they escalate it and I never hear anything. They have my assets and they won't let me access them. It's outrageous and they do not care at all.
Product: Debt collection

This company calls me at least twice a day, and sometimes 3 or 4 times a day, every day of the week. They far exceed the 7 calls they are permitted to make every week.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item popped on my perfect score from a company I do not know. I could not get any information about the nature of the debt and after three disputes, Experian could not either, yet they keep the collection item on my account without providing any substantiating information. Over this they are the one Credit Bureau that dropped my score almost XXXX points. 
I am not disputing something I know about and I am not paying because I was not happy with the service/product, this is about something I do not know about and that the collector and Experian, over three disputes, provided no substantiating information.
Product: Credit card or prepaid card

I have contacted Chime multiple times about a {$350.00} XXXX charge on my account on XX/XX/, to which i didnt recieve my product or a refund. I have evidence from XXXX that they would refund me If i disputed but so far, Chime has not helped me at all and is actively ignoring me.