23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was set up by XXXX XXXX with XXXX XXXX XXXX-XXXX. The payment would come out of what XXXX set up as XXXX  XXXX XXXX XXXX XXXX. The payments were made available and maybe on XXXX occasion only the amt. was returned by XXXX  XXXX  ; but I was never notified that I am aware of. So eventually I began to receive threatening letters from XXXX XXXX to repossess my XXXX XXXX XXXX. 

I have never had anything repossesed and my husband and I called to find out how to send a payment to XXXX XXXX ; they advised us to go to Western Union to make the payment of {$1400.00}. We made the payment on XX/XX/XXXX at XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ) to be sent to XXXX XXXX XXXX XXXX XXXX could not provide a XXXX  number ; we returned and asked for a receipt with a number to verify payment. They provided the receipt and not money transfer #. Western Union when we call the XXXX number told us they could not find record of the payment. Therefore we continue to receive threatening letters from XXXX XXXX. So basicaly they took our money fraudently and are saying they have no record of a payment. This appears to be a way for XXXX to fraudently repossess vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Transunion Inquiry issue, they wont remove inquiries off of my report.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit card or prepaid card

Due to the global pandemic and local shelter in place regulations i like many could not pay my bills. i explained this to capital one in XXXX and they did nothing which resulted in late payments. 

the moment i regained employment i never missed a payment and paid off my credit card extremely quickly. When speaking to capital one i was told my late payments would be removed from my credit report if i never missed a payment. 

i filled out all forms and spoke to numerous agents regarding my struggle with the pandemic. those late payments are to be legally removed from my credit report. every time i speak to Capital one they tell me to dispute it with the credit bureau, which i have multiple times and they have not changed.
Product: Checking or savings account

I purchase only one item from XXXX XXXX receipt XXXX. For {$30.00} and over charfe me {$110.00} plus {$30.00} this should be illegal please investigate.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of stress and anxiety.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. 
The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX  and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX  they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that XXXX XXXX services ( Cbs Collections ) ( account opened XXXX XXXX  notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Debt collection

I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor. 
I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional. 
The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was. 
The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this. 
Ultimately, I would just like to receive a valid consideration that this debt inaccurate.
Product: Credit reporting

I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue.
Product: Credit reporting

My wife & I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.
Product: Payday loan, title loan, personal loan, or advance loan

I called into XXXX XXXX on XX/XX/21 in the morning requesting a payoff balance. The balance they stated was {$2600.00}. The employee failed to mention they had sent an ACH to my account which was not yet reflected on my balance. We called later that same day to payoff the loan. Later on I see a XXXX hit my account for {$150.00} when I had already paid off. Therefore i over paid and now Im being charged a fee due to my account being overdrawn. They said they wont refund till it posts which i understand. However my issue is the fee Im being forced to pay due to them not informing me there was something sent to my account and having me over pay. XXXX XXXX informed me that they wont be taking accountability for the fees they have caused. I need help rectifying this issue and making this right please.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.
Product: Debt collection

I reached out on XXXX. XXXX and asked how I can invoke my right to stop them from sharing my personal information to anyone. I was told that I need to do more research on finding out if I can even do that. I explained to the customer service representative that I spoke with on a recorded line, that it is my legal right to be allowed to opt out of them sharing. She continuously told me that I was misinformed and again to do more research. She also stated that it is their right to report my personal information to whoever they choose the credit bureaus as an example. On the recorded line I reiterated that I do not want them selling my information and I would have to reach out to the CFPB for more assistance on this matter.
Product: Debt collection

This company has placed TWO things on my credit report that are fraudulent. I NEVER received any notice that this company was going to place anything on my credit reports. Ever. Those " debts '' they placed on my credit have not been validated. Although, they claim they are valid. I would like VALID proof that these are my debts. Such as my signature on any ORIGINAL paperwork, video footage of me receiving any products/services. I have disputed this information time after time and they keep saying they're valid. I need proof of this ASAP. 

They also stated that the debt was valid on XX/XX/XXXX but after having to pay for credit reports I found out it was supposedly from XX/XX/XXXX/XX/XX/XXXX. Very crooked practices.
Product: Checking or savings account

My mother had a business account with Wells Fargo for her business XXXX XXXX. My mother passed away in XX/XX/2021. Since she passed away, the estate including this business account has gone through probate. My sister, father and I jointly inherited her estate. Georgia court has signed the final PET order stating this. However, Wells Fargo have blocked the bank account refusing us access to the account even though we provided all the required documents from Georgia court and the probate firm. We also provided personal documents to identify and confirm who we were. I have a checking account with Wells Fargo so the bank already has my profile. We made a complaint and this was supposedly escalated to the executive team. Yet, Wells Fargo refuses to allow the rightful heirs access to the account. In the meantime, my mothers property business suffers. We are unable to pay for the repairs and maintenance of the properties. We lost out on two offers for the purchase of one of the properties because the buyers needed a business account to make payment and the company account was blocked. The experience with Wells Fargo has been very traumatic adding extra stress to a family mourning the loss of a loved one. We also feel we are being discriminated against because of our race.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit card or prepaid card

This is very simple : I had a subscription. I cancelled the subscription. Capital One continues to bill me for the cancelled subscription and all my attempts to correct this or even to get a coherent explanation from Capital One have failed. 

I realize that, in this time of political and constitutional turmoil, my issue is trivial in comparison but it involves the larger current issue of malefactors of great wealth who are trying to turn this country into a XXXX  style of XXXX XXXX. 

If you would like further information the Capital One case number is : XXXX. I can provide more documentation if desired. 

Thank you for your time. 
XXXX XXXX email : XXXX phone : XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC
Product: Credit reporting or other personal consumer reports

This is to follow up and I am submitting another Complaint to demand that you correct the erroneous accounts and information. I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I am referring to the following accounts and I am demanding an immediate correction of these accounts : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$2700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

charge excessive overdraft fees on stuff i wasn't suppose to get charged i would get charged overdraft fee for every pending charged that was already charged off my card, just was pending then they rearrange my transaction to make it look right. also money that was refunded from a rental car company that never deposited to my account
Product: Debt collection

I received phone calls from my ex brother in law ( no communication with him for 10 years ) and my ex and both stated a law firm company called stating I owed debts and they were on their way to my work to serve me papers at my work unless I called XXXX. I have received at least XXXX to XXXX calls stating my bank account is going to be frozen within XXXX hrs, numerous calls stating that I need to be home/work to be served papers between XXXX pm have ID. A XXXX says he is from XXXX XXXX process servers and will be serving me ... he does not exist with XXXX XXXX. I called and the phones were answered XXXX and XXXX. I had informed them that family was getting phone calls in regards to a so called debt and they were disclosing info to people illegally. I asked for their attorneys name and bar # ... the woman fumbled and could not give me an answer and yelled at me asking for my attys info. I asked for an address and was given a XXXX store address in XXXX, New York. This woman continuously kept putting me on hold and was agitated. I ended the call after things did n't seem right. This company goes by several different names XXXX and XXXX, Law offices of XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX. The phone numbers change XXXX, XXXX. This entity has broken almost every debt collector law there is- disclosure of a debt to others, threatening to freeze bank accounts, threatening to show up at my work to serve me unless I call the number, stating they are a law firm. I have not received any letters stating the debt, amount, and what it is for ... nor have I received a demand letter from an attorney. I XXXX this entity on tje internet and scam/fraud keeps popping up and suggests to not call this number back. I have called the State Attorney 's Office, my bank, XXXX, and my credit report. I have a couple items on my report that are XXXX XXXX XXXX ( past the statute of limitations and they are coming off my report in the next couple months ) and a couple current debts that I am taking care of. I do not see this entity on my credit report. I included a Ceist and Desist letter
Product: Debt collection

ASS DEBT COLLECTION SERVICES IS REPORTING A NEGATIVE ACCOUNT ON MY REPORT. 

AAS COLLECTION AMOUNT : {$76.00} DATE : XXXX XXXX 2024 ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$5800.00} ; US DEPT ED XXXX Balance : {$2000.00} ; US DEPT ED XXXX Balance : {$3000.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor : SURGE ) XXXX : {$340.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX Transunion is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX
Product: Credit reporting or other personal consumer reports

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information. Self has blemished my credit standing due their negligence and refusal to execute a thorough investigation. This fraudulent account is being reporting numerous times on my credit reports. Their company is negatively affecting my credit reports. I want damages for the negligence.
Product: Credit card

Accrued credit card reward points in lieu of purchases were forfeited.
Product: Credit reporting or other personal consumer reports

Equifax continues to work with XXXX XXXXXXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Equifax and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations.
Product: Mortgage

We have a mortgage financed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to AHP Servicing LLC due to legal issues with XXXX president. Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX  claim and stating that XXXX XXXX  is still our loan servicer. AHP Servicing sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and AHP verbally agreed that we are current with our payments but should send our monthly payments to them. We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.