23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). 

I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. 

Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. 

Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. 

The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to me.
Product: Checking or savings account

In  XXXX , I opened a checking and savings account with  TD Ba nk in  XXXX ,  In   XXXX   XXXX  I moved to  XXXX   XXXX ,  NC  in which th e TD  Bank in  XXXX   XXXX , NC became my primary bank. I had no interactions with the  TD  Bank in  XXXX , NC over  XXXX  miles away.     My original checking number with TD bank was,  XXXX , this account is now closed pursuant to my request throug h TD Ba nks fraud and/or loss prevention department. The account was closed in the later part of  XXXX   XXXX .     It was necessary to close my account, since I had lost my checkbook and debit card coming home from the hospital where I had been admitted. It is assumed that I accidently left my checkbook in the  XXXX  vehicle that transported me home from the hospital. My debit card was inside my checkbook.     During the conversation wit h TD Bank security fraud dep artment it was advised by the bank that my account remain in no debit status until my social security direct deposit posted to my old account. TD Bank had established a new account.     During this conversation, I was advised b y TD  Bank that no prior authorized ACH debts would be processed, included  XXXX  a prior bi-weekly authorized I had authorized on my old account.  XXXX  was notified that I no longer authorized any ACHs due to the security issue with my account.     Nevertheless, TD Bank without my consent, knowledge ( until after the fact ) or authorize transferred to ACH debits from  XXXX  to my new account. Those unauthorized debts where is the amount of {$31.00} and  XXXX  transactions made they unlawfully debited from my new account on  XXXX   XXXX ,  XXXX .     After becoming informed of these unauthorized ACH debits I filed the appropriate disputes.  XXXX  Bank failed to process my request in accordance to banking regulations. Thus, it became necessary for me to refile my ACH disputes, ( see attached documents ).     Then on  XXXX   XXXX ,  XXXX , TD Bank denied my ACH disputes for the second time. Whereby on  XXXX   XXXX ,  XXXX  or thereabouts I contacted TD Bank as they requested in their letter and I requested the transaction information and copies of any documents they used in the decision.     As of  XXXX   XXXX ,  XXXX , TD Bank refuses to provide me the transaction and copies of any documents they used in their decision.
Product: Debt collection

I have been getting harassing phone calls from a debt collector that past 2-3 months. They have been calling me from various numbers, various area codes ( up to 4 ) and similar area codes but different numbers. I have received voicemails stating " This is a message from a debt collector, please call ERC back at ... '' and then a reference number ( that has also changed a few times ). I find this to be very non-legitimate business practice to call someone from multiple numbers and different area codes. That is one of the red flags I 've noticed. Another one is that the caller does not state his name in the call nor why they are calling, nor do they state my name, another red flag. I decided to look up ERC online and checked the Better Business Bureau, Consumer Affairs and other review websites. I noticed that the overwhelmingly the reviews were negative in one way or another. I noticed a trend with words " Fraud, fraudulent, shady, fake, scam and con '' being shown a lot on the reviews. Many reviews stated the company claiming to be ERC is collecting on debts from old accounts that the person called had. Many of the reviews state the person had closed the account, paid off the account and many had called the original company only to find there were no such charges on their accounts. There were a few users who stated the companies that ERC claimed the person owed money to do not sell their debt to debt collection companies. All of these reviews seem to not follow legal business practices. I have had my identity compromised before and am extremely cautious with my accounts. I check all my accounts regularly, have an identity protection account with a company and also check my credit reports. I noticed last year that there was a claim that I owed money to a credit card I had open. I called that card company immediately and asked them to check that account. They noted I never missed a payment, paid on time and had an account that was open and in good standing. They will be sending a printed updated statement that says I have no debt and the account is in good standing. I then ordered my XXXX free credit reports for this year and noted that I did not see any suspicious charges or debt arise. This all leads me to think that this is a scam and there is fraud going on. 

I have also filed complaints with other consumer protection agencies about this company
Product: Consumer Loan

There 's a credit acceptance company reporting on my credit reports and it is not mines and was fraudulently opened it is dating back to year 2013. This is not mines and I 've even tried to contact the company but there 's nothing they can do about it she told me it was for a car purchased at we finance auto sales in XXXX Alabama and that car lot is closed now and has been for almost 3 years to date. So who 's responsible for a loan being took out from a fraudulent car dealership. I do n't owe this company anything because this is n't my debt I have a fraud alert on my account just for this purpose after I saw it on my credit
Product: Credit card or prepaid card

I placed an order to XXXXXXXX XXXX online for 5 bottles of XXXX and additional 6 bottles at a discount rate for a total purchase of {$280.00} on XX/XX/19. It came from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. After I opened the box I read the ingredient label & found out they had gluten in them. I have XXXX XXXX so I can not eat anything with gluten in it. I immediately tried to call the phone number on the email from them XXXX XXXX XXXX XXXX. The number on the email & their website does not work. So I emailed them at XXXX, but never received any response either by phone or email. I called XXXX XXXX XXXX XXXX XXXX to see if they had another phone number for them. They gave me another number to try. I called it & got a recording from a man saying please leave a message so I did. No answer or email from him either. The number was just a recording from a man to leave a message. Sounded very fishy. I called Barclays credit card customer service back. The rep tried to call that number & got the same recording. They put the money back in my account while they did their dispute work to contact the company. 
I finally received documents from Barclays telling me that they were not able to get the refund for me for these reasons : 1. Customer has not contacted customer service.

2. In order to proceed to checkout, customer must agree to terms and conditions on merchant page.

3. Customer did not cancel or return the product within ( 30 ) days from the original purchase date and therefore is responsible for the charge. 

Barclays put the charge back on my account. I called them back & had the rep look over the documents and she said you did what you were supposed to do so I will send it back to the dispute department to redo the dispute. 

I waited until yesterday to call them because I had not received anything from the dispute department. It has been almost a year now. The rep said they closed my case because I didn't follow the guidelines of the purchase. I was on the phone with the CS rep for over an hour. She put me on hold and never came back on the line. I am very unhappy with Barclays. 

I found out by checking XXXX XXXX XXXX on the XXXX page that they have had several complaints about refunds.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone forged my signature and issued a super check # XXXX from my Wells Fargo business line of credit account # XXXX payable to XXXX XXXX XXXX XXXX in the amount of {$10000.00}. On XX/XX/XXXX, I saw this check cashed from my line of credit account, called Wells Fargo and reported this fraudulent check. I didnt write this check, I dont have this style of check and I didnt know any company named XXXX XXXX XXXX XXXX Wells Fargo temporarily refunded the {$10000.00} into my account. On XX/XX/XXXX, Wells Fargo debited my account with this check again and said the signature matched my account records. I called Wells Fargo again but they kept me waiting on the line with different departments and told me that they need 90 days for investigation. I reported this case to XXXX Police on XX/XX/XXXX with all the information I had. I also received a lot of calls and text messages from companies I dont know and they sent me some checks that I didnt write. I sent the fraudulent checks and text messages to the policed officer also. After 90 days, I called Wells Fargo again and faxed a letter on XX/XX/XXXX to request a re-open on my case. Wells Fargo denied my claim again on XX/XX/XXXX and said a second review still finds no fraud. I went to a branch and asked for help but the escalated complaint manager could only transfer the messages from the credit card fraud claims department. They sent me emails on XX/XX/XXXX and XX/XX/XXXX that my claim was still declined. I called XXXX police again and sent a email to Detective XXXX on XX/XX/XXXX. I am also faxing a letter to Wells Fargo again for the reconsideration of my claim on XX/XX/XXXX today.
Product: Credit card or prepaid card

Due to miscommunication with Ideal Image and XXXX XXXX, I was charged with deferred interest of {$1100.00} after paying my original total bill merely 8 days passed the 24 month promotional period. The deferred interest plan was not explained to me properly and the billing was very confusing. I paid above my minimum payment on time every month thinking I was ahead of schedule. Originally, I was told by XXXX XXXX   that I would be billed approximately {$140.00} per month. However, XXXX XXXX sent monthly statements with a minimum monthly payment due ranging from $ XXXX-XXXX, setting me up to fail to pay off the account on time. If I had known that I would be billed for 28 % interest on the entire balance of {$3500.00} from the start date, I would have paid off the entire balance months before the end of the promotional period. I have never encountered deferred interest promotions that ended like this one. In fact, originally I opened this account with XXXX XXXX and XXXX XXXX  in XX/XX/2013 for a different service and was billed correctly, so I paid that entire balance of {$3500.00} without any interest or deferred fee at the end. And during that time, I only paid the minimum payment due. I trusted that the second time around would be just like the first time. At least, thats what XXXX XXXX told me. Now, XXXX XXXX  says they cant help because the interest fee is through a third party. And XXXX XXXX   will only waive {$390.00}, leaving me with a balance of {$770.00} to collect additional interest until paid in full.
Product: Credit card

I purchased an item over XXXX years ago. The promotion was no interest accrued for 24 months and any balance left would be charged at an interest rate of the stated range ( I believe XXXX to XXXX ). I asked the staff for confirmation and they confirmed that there was no interest charge until after the promotion ended, then the interest would accrue. 

XXXX. I was charged the full amount for the purchased price with interest accrued for the full XXXX period. 
XXXX. When I called XXXX to dispute the charge, they said I had to call CITI Bank. I tried to call CITI for months until I got a hold of someone, just to tell me they don't hold any of my info or accounts, it all ran through Best Buy. 
XXXX. I had been trying to call CITI but when I finally got to them they said I didn't exist XXXX. When I finally got to the department associated with the accounts, they said its to late to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They sent a letter stating that I paid this bill with my XXXX account and lucky for me I never had a XXXX account. So like I have been stating I do not have an account with you. Also you stated that I had two accounts and decided that one of them was fraud when they both are. After contacting XXXX because American Express refuse to do any leg work to find out the truth. XXXX stated they never has an account in my name under my social security number. They did state an account was open with my social under a different name that they could not disclose to me because it was not my name. PLEASE QUIT DESTROYING MY CREDIT WITH FALSE ACCUSATIONS. Also they can get my credit report from the same people that they are reporting the negative info to. All three credit bureaus have a copy.
Product: Credit reporting

A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!
Product: Credit reporting or other personal consumer reports

I am not able to get a credit report for Equifax account ID XXXX
Product: Debt collection

There is a collection listed reporting which I do not owe. I have disputed with no actual validation. Please help I have never did business with this company.
Product: Credit reporting or other personal consumer reports

I am not familiar with the unauthorized inquiries and the company acted without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Experian, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last XXXX : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NORDSTROM/TD BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXX  XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

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

This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. 

According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late Date of last payment. 
Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
Equifax XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date of incident was around XX/XX/year> for an amount over {$200.00}. I am writing to formally express my concerns regarding Zelle 's handling 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.