23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.
Product: Checking or savings account

Hello, I need to open XXXX merchant disputes, I tried to do it through the callcenter but I don't know how to reach someone if the system request the XXXX all the times, I don't have SSN and I couldn't by pass that request. 
Please open the merchant dispute with the details below : XXXX XXXX, XXXX tech {$860.00} and {$860.00} XX/XX/XXXX, {$87000.00} and {$87000.00} posted on XX/XX/year>. All of these were purchase made in person at the store with delivery service, XXXX XXXX XXXX XXXX, XXXX for each transaction. 
The laptops were received on XX/XX/XXXX, at that time I changed of mind and were no longer needed so I proceed to go in person to the store on XX/XX/XXXX to return the products and request a refund. They have a return policy for a full refund up to 30 days after the delivery of the goods. So they accepted the return and provided the full refund official receipt on the same day ( XX/XX/XXXX ). They gave me a timeframe up to 5 days to have my account credited with the refunds, but that credit was never posted. 
I called them on XX/XX/XXXX but they didn't provide any solution.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Transunion, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry date XX/XX/2018 I wrote a letter no response according to the FCRA
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}.
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX XXXX  checks from XXXX XXXX XXXX  into my Wells Fargo checking account. I am currently leverage very high ( my own fault ) and needed additional funds. I called Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to see if the deposits had cleared. I was assured by someone at Wells Fargo on the evening of XX/XX/XXXX they would be cleared. To be certain, I logged into my Wells Fargo account the morning of XX/XX/XXXX to see if those deposits had clear. The deposits were no longer listed on hold and my available balance had increased to over {$4000.00}. I proceeded to make payments to many of my credit cards to begin to bring down the amount of credit I was using. I am trying to consolidate four student loans ( {$21000.00} ) because I am eligible for full forgiveness ... but the loans must be consolidated. After XXXX XXXX XXXX  that day, I returned home to discover my checking account was now more than {$1000.00} in the red. Two phone calls to Wells Fargo lasting for about three hours ensued. During those phone calls, two different people including the Wells Fargo employee ( called XXXX for privacy reasons ) stated the deposits had cleared that morning ( XX/XX/XXXX ). I stated that once a deposit or check had " cleared '' then the money had official changed hands and that Wells Fargo had committed grand theft by removing those funds from my balance. Failing to convince Wells Fargo they had committed what arguably is a felony, I then called XXXX and asked them to stop payment on the two checks I had deposited with Wells Fargo. I called Wells Fargo again on XX/XX/XXXX and again struggled to find someone with enough authority to talk to me about fixing this problem. I terminated the call after several minutes of " dead air '' with no one responding to me. I do not know if they hung up on me or if they put me on hold without my knowledge. I also requested a complaint be filed against XXXX for the way he conducted that phone call.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. 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
Product: Credit card or prepaid card

After I did activate the card I could not use it for purchases. They put hold on my account asking more docs from me. I did provide them the requested docs but my account is still on hold. I have got no letters what so ever for the explanations.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I called XXXX different people to help me report a fraud claim and neither of them reported it correctly. On XX/XX/XXXX I called again and there was a women i spoke to who finally filed the claim correctly. I was trying to use my card until it kept getting declined until I checked my bank and saw that I was for some reason negative XXXX. It said I deposited a mobile check of XXXX which I never did, so I changed my username and password with bank of america. Then it said i had sent over XXXX dollars to someone random on XXXX. So then I also changed my password. The women I spoke to said that she was gunna cancel those transactions and I got an email from bank of america saying it should be canceled in XXXX business days but nothing ever happened after that. When I checked up on my claim it said it was closed as claim not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.
Product: Checking or savings account

CashApp and Block Inc. have siphoned my {$4900.00}.
Product: Credit reporting

Please refer to case number XXXX for the background information. 

After I settled the credit report issue with XXXX, I now have a FICO score of more than XXXX. But when I apply for a regular credit card, I again got declined saying the other XXXX credit bureau still have the collection record on my report ( which is not mine please refer to case XXXX ). I ca n't submit a dispute or check my credit status with any of them since I do n't have an SSN. 

Please
Product: Credit card or prepaid card

In 2017 I had a Citibank Prepaid Mastercard with a {$200.00} dollar limit. I was XXXX  and while I was l in XXXX  someone used my credit card without authorization and when I got out I contacted Citibank and told them what happened and they didnt seem to care depite me filing a police report and even providing proof of my XXXX  from my XXXX  XXXX. They eventually charged off the account and have reported it as a " Charge Off '' for years and continue to report it as a charge off. I have tried to dipute the account and I have tried to resolve the issue but they will not speak to me or cooperate with me. They are reporting that the amount due is {$630.00} even though the card was a " Secured '' card with a {$200.00} deposit. 

Account Number : XXXX
Product: Debt collection

Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this address is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS EMPLOYER IS NOT MINE
Product: Mortgage

Client came forward wishing to make a 100 % cash purchase of a property and submitted her offer as such. Client was then hastily talked into a mortgage in the last few days prior to closing. Client did qualify for a VA loan with better pricing and lower closing costs. However, client was misled and sold a higher interest rate product with higher closing costs outside of the VA system with the prime objective of sales commission and not the clients ultimate interest.
Product: Bank account or service

I had a Wells Fargo account and they charged me off for what reason i dont know, and now they are trying to charge me {$260.00} or so. I called to complain about fraudulent charges on my account, and they just brushed me off, and told me they cant do anything for me. Wells Fargo is doing shady business, and its sad you ca n't even trust your own banks anymore. I would like to get this taken care of please, because they have crippled my credit and score bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting the XXXX  XXXX partial account number XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax ; XXXX and XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax XXXX XXXX  and XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX  partial account numbers XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX  should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. ( Please see pages attached from my credit report. ) This reporting of aged accounts that should no longer be reporting is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus multiple times to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reading 18 usc 894 and it seem like Transunion is a part of a extortion scheme to with this alleged creditor to collect on an alleged extension of credit by continuing to report Inaccurate information to my consumer report. 

On XXXX XXXX I mailed Transunion a Dispute of Inaccurate and/ or incomplete information on my credit report/ profile. To this day I still haven't received a response close to 45 days later. 

The FCRA requires you to verify the validity of the item with in 30 days. If the account can not be verified, you are obligated by law to immediately remove the item. In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA which I intended to do if this account isn't removed immediately. 

I am willing to settle this matters amicably without having to file suit.
Product: Debt collection

For a Comenity Jared store credit card account XXXX I received my statement for the month of XXXX. It states on the statement " WARNING : XXXX XXXX Ending SOON! YOU MUST PAY THE BALANCE {$870.00} OF YOUR PLAN XXXX XXXX XXXX INT XXXX XXXX IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARGES '' On XX/XX/XXXX my payment of {$870.00} was posted per an XXXX statement I received from Comenity ( and confirmed via phone call ). 

I have been receiving statements from Comenity ever since despite paying the balance they provided in XXXX. I have spent a large amount of time on the phone with them, speaking to their representitives in customer service whom I presume are overseas to no avail. I was hung up on after being on hold for about 45 minutes. Upon calling back I was again questioned and had to go over the entire situation again prior to being reconnected to the line where I was previously waiting for a senior account specialist.

Upon speaking to the senior account specialist he stated that I was still receiving statements because I did not pay the " minimum payment due '' on my XXXX statement which was in the amount of XXXX. He said he would create a case and submit it, but it would be unlikely to resolve in my favor. 

I told him I would pay the {$290.00}, but I can not pay any of these supposed " interest charges '' as that was not a part of the promotional plan and was my sole reason for choosing Jared to purchase an engagement ring. It is not made clear on any part of my paper statement that the " minimum balance due '' also needs to be paid. Logic would assume that the {$290.00} is included in the {$870.00}. 

There should have never been further attempt to collect any " debt '' as the {$870.00} has been paid on time, but I have received statements every month. I unfortunately assumed there was just a delay between promotional departments and their collections department. 

Every good faith effort by me to take care of this issue has been met with resistance and an attitude of ambivalence and disregard by Comenity staff. Which is why I have resorted to making this report. 

My case number with Comenity can be provided if necessary.
Product: Vehicle loan or lease

This bank has been taking additional funds from my checking account every month for 2 years. I didn't realize it and when I did it was stated it was due to not have the lien title and it was my responsibility to get it. It ended up they had it but entered a wrong letter or number. So every month they took my automatic payment an additional payment due to them raising the apr and an additional payment for assessment, I m not sure if that's a late fee being out wasn't being taken with the original monthly payment and then charging me for it every month for two years. Now we established it's their fault and they have decided on their own they are going to take my money and prepay my principal. THEY ARE STEALING MY MONEY. 

Essentially, they are going into my account taking my money and prepaying my loan that is the exact equivalent of what they are doing. I am 100 % sure that would be considered stealing. Since when is a bank allowed to go into your account and determine what to do with your funds in advance. 
This is making sure everything on my side has been paid and having extra funds and deciding they are going to take it and prepay my loans. 
Fraud is the word they word that comes to mind, THEFT, Bad business... I have given them three weeks to solve this issue and I am now here. They refuse to return my money to my account. 
There is no negative star but that's what I would rate this company.
Product: Credit card or prepaid card

Got the XXXX credit card from Comenity Capital Bank A month ago. I try to pay my bill as they get posted. I do this with my other cards without issue. It takes at least XXXX tries to log into my account. It keeps saying : The information you entered does not match our records. Please try again. 
Ok fine. I click on reset password. I fill out the form with requested information and get : The information you entered does not match our records. Please try again. 
Ok These people can't code. Clicked on Register for Online Access. Enter information again : The information you entered does not match our records. Please confirm your information is accurate and try again. 
Information is from the paper bill. 
Each time I have tried the common tricks, clear cache, cookies use different browsers and in incognito mode. All is the same. 
They have it but won't let me in. I try to message them, but that leads me to the same useless sign-in page. 
This is leading me to believe that : A, they have programmers that need to be fired. No way you are loosing my information this quickly B. They have infrastructure that is not up to the task.

C. This is a ploy to make people via paper billing or to disallow people from paying their bill earlier. This way they can accrue interest.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that 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 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 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  I have attached a copy of my SSN card, Valid ID, and a copy of signed self attestation form to prove I am human who have been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account.

Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to XXXX beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX