23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Greetings, CFPB. I am reaching out to you guys today regarding XXXX of the XXXX credit reporting agencies ( XXXX and Equifax ). I also reached out to Equifax and XXXX letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at Equifax and XXXX, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it. 

Below is the collection agencies information that I would like to have permanently deleted from my Equifax and XXXX Credit Report : 1. XXXX XXXX A Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. 

Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA. 

Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness. 
Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report. 

Written confirmation that the debt has been removed from all records and credit reporting. 

Cessation of all communication regarding this alleged debt. 

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA. 

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. 

Thank you for your attention to this matter. 

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

I have attached an FTC report for you to finally make serious attempts in taking my case as seriously as possible. I have never benefitted from any of these transactions and it has negatively impacted my credit scores.
Product: Checking or savings account

On XX/XX/2021 I filed a fraud claim with TD Bank. 
I had a very horrible experience with a scammer. 
They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine. 
I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account. 
The man immediately called me back. 
He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account. 
He told me as we were speaking that the scammers were stealing my money. 
He told me he would send me a a text with a code and I should give him the code to verify my account. 
I did and he told me that he was going to reimburse my money immediately. 
He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts. 
He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions. 
I gave him the codes as requested when texted to me. 
I became suspicious after 4 transactions and asked for his name and that I would call him back. 
I tried signing into my account to contact TD Bank and was locked out. 
I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money. 
I went to my local branch in 15 minutes and set up new accounts. 
XXXX the branch manager and I filed the claim. 
It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes. 
I appealed and was told to file a police report which I did losing 2 hours of work. 
Then today I called and was told my claim was denied again due to my giving the code to the scammer. 
This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank. 
I am now losing {$2400.00} given TD Banks refusal to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the XXXX XXXX on XX/XX/XXXX. I have not received a response.
Product: Money transfer, virtual currency, or money service

I would like to formally raise a legal argument regarding HSA Bank 's refusal to transfer my HSA funds to my HSA account at XXXX XXXX. 

On XX/XX/year>, I submitted an HSA Rollover request at XXXX to transfer funds from my HSA Bank account. XXXX initiated the process and provided all necessary paperwork to HSA Bank to facilitate an in-kind HSA fund transfer. Despite this, HSA Bank took no action and later informed me via mail that my funds were invested in XXXX, preventing them from proceeding with the transfer. 

Following this, I contacted HSA support, instructing them to transfer the invested funds to HSA Bank. Despite my efforts, and all funds transferred in case, HSA Bank failed to act again. Upon further inquiry, I was told that a new request was required because the initial submission did not involve cash. I questioned the necessity of a new request, as the original request clearly outlined the transfer instructions and merely required HSA Bank to utilize Fidelitys HSA account to initiate the transfer. This redundant requirement seems unreasonable, unjustified, and a cause for further delaysthe first request has already taken 25 days. Additionally, when I asked to close my account and issue a check, my request was denied. 

Furthermore, HSA Bank continues to charge me an account maintenance fee, despite my ongoing efforts to transfer the funds and close the account. 

As the rightful owner of the account and funds at HSA Bank, I find their actions to be a violation of my rights and a form of asset withholding. This behavior constitutes an unlawful obstruction of access to my own assets, which could be classified as theft. 

I demand immediate resolution and compliance with my original transfer request, or a thorough explanation and legal justification for the refusal and imposed delays. 

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

I have been dealing with unauthorized use of my personal information. Which resulted in unauthorized use of my credit report.
Product: Debt collection

To whom it may concern, im writing you today in regards to this incorrect Jefferson capital account that's hurting my credit report. Account number XXXX. I have reached out to them numerous times to resolve this matter but to no avail. I will show you evidence that the account amount is incorrect there for should be removed from my credit report by following the fair cares act.
Product: Credit reporting or other personal consumer reports

XX/XX/year> the web page lists legal name incorrectly from email requesting to connect accounts.
Product: Debt collection

On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. 
There is a case number and an ID number which I am not including because it may pertain to someone's personal information. 
The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. 
The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.
Product: Debt collection

Complaint is against Midland Funding and all of it 's affiliates. 
I disputed entry on my XXXX Credit Report regarding Midland and that they had opened an account under my name. Enclosed is the response I received from Midland along with it 's enclosures. The letter is addressed to XXXX XXXX XXXX and the enclosed judgment that Midland saught against me is for XXXX XXXX XXXX. Midland clearly has conflicting information in regards to whom owes this debt and did not spend allowable amount of time reviewing any documents to ensure that the correct individual is being pursued. I would like this information to be removed from all records pertaining to my identity as it is causing hardship.
Product: Consumer Loan

I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL XXXX CREDIT BUREAUS : EQUIFAX, XXXX, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY XXXX I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Product: Credit reporting or other personal consumer reports

Capital one bank USA is reporting account open and close at the same time with a balance of 4hundred something dollar.. this is not correct
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.
Product: Debt collection

They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.
Product: Checking or savings account

I have several accounts with Bank of America, I have a business account that I have not used for the last 2 years and due to the amounts I have in my personal and business, I was told I would not be charged a monthly fee. This has been untrue, bank XXXX XXXX, has been, charging me {$22.00} a month for the last 2 years and I want my fees back, since I have maintenance the amount in my personal and business accounts combined. Did not notice the fee coming out, because I do not use this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide original copies with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations. 

Please see Attached.
Product: Credit card or prepaid card

I  applied for a credit card from Wells Fargo on  line and was approved within a minute. On     XXXX   XXXX   XXXX       I received my credit card. On   XX/XX/XXXX  morning I tried to activate my card on line which was de clined mentioning that my social security number did not match the card account number. I  called the phone # on the card to activate and was forwarded to another telephone #. I was told that there was a block on my card and the card was close d. The card was closed even though I had not yet activated it. I asked for information about the block and I was told she did not have information. On the  XXXX  afternoon I called again with the intention of talking to a supervisor. I talked to someone called  XXXX   (?  ) who told me that I had to go to a bank and have a bank vice-president certify and vouch for my   authenticity. I asked him if it was a common procedure at Wells Fargo and he said no. He was unable to give me reasons why I was selected for authentication.
My complaint about Wells Fargo is selective discrimination in their treatment of card holde  rs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX deleted 2 Public Records (  Bankruptcies ), from off of my Credit Report due to inaccuracies. However, on XX/XX/2019 XXXX turned right around and placed the 2 DELETED Public Records ( Bankruptcies ), that they previously DELETED off of my  XXXX   Credit Report, on XX/XX/2019 back on my Credit Report. Which caused a major drop in my Credit Score. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY! 

I am requesting the same request, from TransUnion as well. TransUnion did the same exact thing. They DELETED the 2 Public Records ( Bankruptcies ) off of my TransUnion  Credit Report, but put the 2 Public Records ( Bankruptcies ) back on my Credit Report. I am asking that the 2 Public Records ( Bankruptcies ) be DELETED OFF of my Credit Report IMMEDIATELY!

XXXX  has removed both of the Public Records ( Bankruptcies ), from my XXXX Credit Report, due to inaccuracies. Thank you XXXX. 

XXXX  and TransUnion has caused a great ordeal of pain to me, as well as to my Credit Score. So, Im asking for both Credit Agencies to remove the 2 Public Records ( Bankruptcies ), from my Report.
Product: Checking or savings account

On XX/XX/2023 We tried to buy a miniature XXXX from www.okayschnauzerscom. The text to us indicated to send payment of {$970.00} to XXXX XXXX through XXXX from our bank. We sent this to the wrong email XXXXThe proper email was XXXX.The disbursement receipt transaction # XXXX shows this is known as XXXX and was sent. The name is actually XXXX XXXX.So not only did we send the wrong email but the wrong name. We notified the bank and the said the funds are not recoverable even though both the name and the email was incorrect. What puzzles me is this {$970.00} was received by XXXX noted on the disbursement receipt. Most likely the same person with a sub account. Chase bank indicated they could possibly do a courtesy reimbursement but then denied this.The business address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. I researched this address and it is located on the inland canal and for sale. Nothing was noted about any kennel.These people wanted us to cancel the payment which is impossible and send a new one.This appears to be a huge scam.
Product: Student loan

I 'm writing to complain about the way Navient treated me and, ultimately, failed to inform me of my rights, when I called XX/XX/2015 to seek debt forgiveness on account of being unemployed. I lost my job XX/XX/2015, and I phoned Navient several times in an attempt to find out about delayed payment options and income-driven debt forgiveness. The operator initially directed me to a federal web site and refused to tell me about any delayed repayment options. I called back, spoke to another operator and only learned about delayed payment options after demanding to know my rights and insisting that such an option existed. I was told by the XXXX operators that Navient did n't offer any delayed payment options for my loans. That was a lie, clearly. 

In my conversations with the customer service agents at Navient, I repeatedly asked about any income-driven debt repayment program. I explained in detail that I was out of work, had a mortgage and was supporting my XXXX year old daughter. Navient 's agents insisted multiple times that there was no income-driven debt repayment program. I made several calls and talked to many agents. They only agreed to have my payments extended after I effectively pitched a fit on the phone. Then, did they say I could reduce my principal and interest payments. Navient caused me undue hardship and failed to offer me an income-driven debt repayment plan when I needed it most. I have gotten a job since then, but I was out of work for 14 months, and I could have benefited significantly from relief that was due me. My dealings with Navient were beyond unpleasant. I have never dealt with a company that refused to tell me my basic rights and obfuscated the truth from me. If I had not demanded repeatedly that they offer me a delayed payment plans, I would have not been able to meet my monthly payments, and my loan could have been thrown into default.
Product: Debt collection

NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.
Product: Student loan

Hello, I filed a complaint to get on XXXX plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on XXXX XXXX. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on XXXX. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.