23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call on XX/XX/XXXX at XXXXXXXX XXXX by a Representative named XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, Wyoming. Regarding a pending civil lawsuit to be filed for a breach of contract from XXXX XXXXXXXX XXXX also known as XXXX XXXX for the amount of XXXX. She claimed it was opened from XXXX to XXXX which I do not recall. I've lived in XXXX since XXXX. She claims a correspondence was sent on XX/XX/XXXX explaining the debt that gave me 30 days to contact a lawyer and respond. I explained to XXXX XXXX I did not receive this correspondence, and to resend this to me. She agreed but would not send me statements as proof of this debt. She said I had 24 hours to settle this debt with payment option or I would be sued, and the process would begin. She said it would not be possible to send me statements or proof of the charges unless I went to court to dispute this debt and then these statements would be revealed to me. She claimed legal fees could range from XXXX to XXXX dollars, so If I didn't agree to settle this debt while I waited for this correspondence and demand letter of a lawsuit, the processing would begin without proof of the debt or officially being served a court notice at all. 

So I agreed to pay XXXX a month while I checked my credit report and investigated this debt. I have given 3 payments thus far and written two requests via email for statements regarding this debt and I have received in return is papers to sign. 

This creditor is not located on credit report nor any payments to XXXX XXXX, however a fraud alert has been placed on my credit report because of false information found by an investigation done by XXXX and all three credit bureaus. I have purchased two different identity monitoring subscriptions. My information and my daughter 's information has been leaked on the dark web. Someone also has purchased cryptocurrency from XXXX on the dark web in my name as well. A post office box has been purchased in my name in California where I have not lived since XXXX. An address in XXXX Texas on XXXX XXXX is also reported on my credit report from where I also have never lived at. An employer by the name of XXXX XXXX is reported as my current employer, which is also fraud. I haven't been employed since XXXX. This false information has been removed after being investigated. 



attachments below of all correspondence received. Proof of my identity is also attached. 

I also have recorded my conversations with XXXX XXXX XXXX as proof of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information submitted to the credit reporting agencies from Navy FCU shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave Navy FCU or any of the credit reporting agencies authorization to share my personal information ( XXXX XXXX XXXX [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the Navy FCU last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Product: Credit reporting or other personal consumer reports

Finances the car A XXXX XXXX XXXX to reduce the cost and expense of XXXX XXXX XXXX damaged in XXXX XXXX XXXX XXXXXXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XX/XX/XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation Cost by XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These addresses and personal information are incorrect and would like for these to be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Money transfer, virtual currency, or money service

Formal Complaint Regarding Unauthorized Reversal of Funds and Account Closure ..... 

I am writing to formally lodge a complaint regarding the unauthorized reversal of funds amounting to {$21000.00} from my account, which was subsequently closed by your institution. This transaction was related to the sale of digital products, which were delivered to the buyer as agreed. 

Despite providing all necessary documentation and evidence proving the legitimacy of the transaction, your bank reversed the funds and returned them to the buyer, who falsely claimed to have been scammed. This action was taken without a thorough investigation and has caused me significant financial and emotional distress. 

Moreover, after the reversal, my account was unjustly closed, further exacerbating the situation. I have repeatedly reached out to your institution for clarification on what additional evidence is required, but I have received no response. Instead, I have been informed that the evidence I provided is insufficient, without any clear explanation or guidance on what more is needed. 

This conduct not only demonstrates a lack of transparency but also a failure to adhere to the legal obligations owed to me as a customer. I would like to bring to your attention the following legal protections that support my case : 1. **Uniform Commercial Code ( UCC ) Article 2** - Governing the sale of goods, this law establishes the obligations of both parties in a sales contract. I fulfilled my duty by delivering the goods, and the buyer had no legitimate grounds for a chargeback.

2. **Electronic Funds Transfer Act ( EFTA ) ** - This act regulates electronic fund transfers, including unauthorized transactions. The reversal of funds in this case appears to have been conducted without proper authorization or a fair investigation, violating my rights under this act.

3. **Consumer Financial Protection Bureau ( CFPB ) Regulations** - Your institution is obligated to conduct thorough investigations before reversing transactions and closing accounts. The lack of clear communication and resolution in this matter constitutes a breach of fiduciary duty. 

I demand an immediate review of this case, the reinstatement of the {$21000.00} to my account, and an explanation for the closure of my account. Additionally, I seek compensation for any damages incurred due to this improper handling of my case. 

Please acknowledge receipt of this complaint and provide a timeline for resolving this issue. If this matter is not resolved satisfactorily, I am prepared to escalate it to the relevant regulatory bodies and pursue legal action.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in this place, XXXX XXXX XXXX has harrased me for several years now regarding this, saying I owed them over $ 4K, this is FALSE. The last time I lived in an apartment was back in XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX in XXXX CA and XXXX XXXX - XXXX XXXX CA. This is what the background check claim I lived in. 

Name : XXXX XXXX XXXX / Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX City : XXXX State : CA Zip : XXXX County : XXXX Phone : 0 Duration : from XX/XX/XXXX through XX/XX/XXXX They totally missed that I owned a home in XXXX CA XXXX then! Please help me CLEAR this mess up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX I recently received a copy of my Equfax credit report. The credit report showed a credit inquiry by companies that I do not recall authorizing. I understand there shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Thanking you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called TransUnion because I had Inquiries on my credit report that did not belong to me. I had to hold on for 55 minutes until a Representative got on the phone and when they answered, the Representative told me that I would have to find out the company and call them. I asked how could they Allow someone to put something on my credit report that they had not Investigated. Thats the answer I got after an hour and 34 minutes. I ask to speak to a supervisor but after all that time I just Hung up. Still with no help.
Product: Credit reporting or other personal consumer reports

XXXX A XXXX XXXX XXXX XXXX A XXXX OH XXXX XXXX XXXX SS XXXX Notice for Proof of Claim Account : THE XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIO LAW U.C.C131912TakingassignmentofdebtsStates ( XXXX ) No collection agency shall commence XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : White v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to doin accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Mortgage

Bought home XXXX, paid on since then. Had problems XXXX now they say I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

Apparently one of my creditors charged off my account. Spire Recovery purchased the bad debt. I was contacted by a representative from Spire Recovery informing me that she was authorized to collect the payments on my outstanding debt. She told me the amount that was due, I disagreed with the amount. I told her that I would contact the original creditor. I also asked for a debt validation letter. the representative told me that I should have received written notification. I told her that I didn't and asked if she could resend the debt validation letter or email the information to me. She refused. I asked for the company 's address, she refused to give me the address, indicating I didn't need it. She also stated that she was surprised that my account was still in their office because it was now a legal matter. 

On XX/XX/2021 One of the Representatives called one of my friends and left a voicemail. She identified herself by name and said " I am documenting my failure to communicate with our office and provide a documented statement, we are required to update and submit a written refusal to comply with our recordings of our attempt to reach you. This matter will be submitted further the end of the business day on XX/XX/XXXX ''. 

I called this representative and explained to her that I did not provide authorization for her to contact one of my friends. She responded stating that I gave authorization to her client and names and addresses were included in the information she received from my client. I repeated that I never gave her or her company authorization to contact my friends. I asked again for a debt validation letter and was unsuccessful.
Product: Checking or savings account

HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo knows very well that there were unauthorized charges on my credit card. They still continue to charge me late fees and cash advance fees. They closed this complaint but the investigation is still ongoing. It is impossible to reach them. I think they are just stealing my money.
Product: Mortgage

I wish to file a complaint against my mortgage servicer Ditech Servicing LLC for the constant mismanagement of my escrow account and continually sending me registered letters threatening to Foreclose on me, regular mailed letters directed me to get help, all falsely alleging I am delinquent in my mortgage payments. I am not. There actions are causing me and my family great emotional distress. I would appreciate your assistance.
Product: Debt collection

I sent Carter-Young Inc a debt validation letter two times on the following dates : XX/XX/21 & XX/XX/21 and each time Carter-Young Inc has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax report. I also have XXXX hard inquiries on my XXXX report from XXXX XXXX.