23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After months of aggressive calls from this XXXX  XXXX  who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney Howard Lee Schiff located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both XXXX XXXX XXXX Attorney Schiff office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years. Since Attorney Schiff office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney Schiff office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a XXXX   and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Incorrect Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have waited 30 days to see changes to my credit report, and there were none. I sent information to XXXX and Equifax regarding the reporting of the bankruptcy that is showing on my credit report and both XXXX and Equifax stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means XXXX and Equifax lied. 

Federal : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Financial Recovery Services , Inc. Financial Recovery Services , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to Financial Recovery Services , Inc . They received it certified mail and signed off at XXXXXXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Debt collection

XX/XX/19 Received a call from XXXX XXXX with XX/XX/XXXX XXXX stating my file was being turned over to legal and they were calling to see if they could mediate the file before it was turned into law enforcement. I fell for the scam, gave them my credit card information to start making monthly payments against the debt. Paid first payment and then was notified by bank that my identity was compromised. I tried researching the company and found nothing but scam complaints against them. 

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

Secured credit card was opened with PNC bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. PNC is only reporting this account to XXXX and XXXX, not XXXX  ... Ive reached out several times to PNC to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.
Product: Debt collection

Debt does not belong to me. As well In a n accordance with the Fair Credit Reporting act National Credit Systems is reporting a debt showing as ( XXXX XXXX XXXX XXXXXXXX XXXX ) that I do not owe, nor are they the original creditor. 

They have, and continue to violated my rights. 
In accordance with the Fair Reporting Act.

1.15 US.C 1681A -2 exclusions 2. 15 US.C 1681 section 602 A. States I have the right to privacy.

3. 15 U.S.C 1681 Section 604 A Section It also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that XXXX, XXXX, Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit card

Today, XX/XX/2023 at XXXX and XXXX, I received two voicemail messages from XXXX in the Executive Office at WellsFargo requesting a call back regarding the reporting of my credit card on XXXX that has not been deleted and funds never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I had a change of employment causing me to pay Arkansas Department of Finance Administration directly for the required monthly payments instead of the usual drafts from my checks. I have proof of the on time payment ; yet I have derogatory information reflecting on my Experian Credit Report. It may be a mistake but I can not afford to pay for that mistake, especially since it was not made due to me being careless. The receipts will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open a line of credit through capital one in my name on XXXX.
Product: Debt collection

On XX/XX/XXXX I was contacted by Allegiance Accounting Services about a debt " they say I owed from XXXX '' I told them to not call me and send everything in writing. The rep was very rude and stated she was going to send I recommendation over to the attorney to have my wages garnished and that if I did not pay XXXX dollars by the end of business day on XX/XX/XXXX I would be sued the agent 's name was ( XXXX XXXX this call was around XXXX EST. I also asked for in writing a copy of this debt any information they may have to prove the debt belongs to me, This includes but not limited to bank statements signed contracts between myself and the company. By the end of the call I asked the rep to DNC me and she stated they would call me everyday until I went to court.
Product: Mortgage

In XX/XX/XXXX XXXX XXXX XXXX was notified of was notified that the modified loan in XXXX was still a legal contact and couldn't be sold or transferred to anyone for any reason, also notified them of the statue of limitations has exceeded the 4 years, and is now 8 years 4 months since last payment, now XXXX XXXX XXXX  and Carrington has a scheme going on, XXXX XXXX XXXX illegally transfered the loan to Carrington as the servicer, and acting as a debt collector, since XXXX XXXX XXXX could not file suit, Carrington changed the loan number like it was a New loan, to see in motion a foreclosure, Carrington has sent a notice of acceleration after only 1 month with the loan.legally not late on Note
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company to have them removed all of the incorrect and damaging information from my credit report and they responded by removing some and asked me to provide them with my current address as well as other personal information I do not feel comfortable disclosing.
Product: Checking or savings account

Dear Miss or Sir, I had an account with Bank of America for almost 7-8 years on the year of XX/XX/XXXX-XX/XX/XXXX i filed 2 complaint against the bank for deducting overdrafts fees by mistake from my account and XXXX helped me to get my account refunded with these wrong fees. I received bitter phone calls from responsibile people at the bank at this time to inform me that I will be refunded but always the person from the bank were speaking angrily because I dared to complain On XXXX XXXX and after all these years I deposited a check from a person who had not enough funds so the check was returned back to me and never been cleared this is first time I have a bounced check and its normal it happenes to almost everyone But the bank took the chance and as a form of revenge of my previous complaint on XX/XX/XXXX-XX/XX/XXXX the closed my account while I was outside the USA though i called them before I travel to be able to use my card abroad so they knew I'm traveling with the card I was stranded this was the only card I travelled with when I got back I found out that they went way too far they reported my name to a third party agency called XXXX XXXX so they contact all the other financial institutions I have cards from all my other bank accounts were closed Until today I can't open a bank account at XXXX or XXXX because I always get the response that Bank of America putmy name on a fraud alert with this XXXX  XXXX   agency I don't know why a bank would reveal a client information to a third party I did know about or sign for them to have my information and I don't know why a bank go this far to retaliate against a client because this client previously complained from the bank Thank you very much XXXX XXXX XXXX
Product: Checking or savings account

I fell a victim to an online scam. I applied for a job with a non-profit organization through XXXX. The company reached out to me for an " on-line job interview. '' After interviewing, which had seemed legit at the time, I received a job offer the next day from the company 's email address directly. I signed it back, informed the " interviewer '' that I sent over the signed letter. One thing they had stated was that they would send me a " start-up check '' of an amount : {$2400.00} to purchase start-up equipment. This was supposed to be a work from home opportunity. I had never received an on-line check before, so I called the bank it was issued from to confirm it was a valid check and safe to use. They were able to confirm that it was a real account and seemed accurate. I went ahead and deposited it. After receiving strange requests from the " interviewer '', who would have also been my " supervisor to report to, '' I felt odd. This person was telling me things such as to go to an ATM machine and withdraw money that they wanted me to put into a bitcoin account via a XXXX ATM. I called Chase bank right away to inform them that something strange was happening. I wanted them to cancel the check I had deposited, however, I was told they were not able to do that. They instead advised I go into a bank to close the current account to protect my money. I did. The banker created a replacement account for me. A day later I tried to make a purchase because I thought everything was fine. The purchase was declined. I called Chase only for them to tell me that my accounts were being closed and that they can not bank with me in the future. They are not giving me any reason, explanation, and claim that they do not have any records of me creating this new account because it was a replacement so it shows as if it were opened years ago with the rest of them. They have not at all been helpful. I called the Federal Trade Commission to inform them of all parties involved in the scam. If needed, the reference number is XXXX XXXX XXXX. I am very worried this will affect my ability to bank with another party. Please advise. I am at a total loss and I am worried, angry, and upset. 

I also reached out to the organization that " hired me '' on their XXXX page. They informed that it was a scammer that they were trying to stop. I sent them every screenshot, email address, and the image of the check that was sent to me. I am not sure if those would be helpful to you, but please let me know if it is needed. I would be happy to provide all proof.
Product: Credit card

Been trying to get funds returned since XX/XX/year> ... but got no resolve... also waited the 45 day period for funds to be returned but got nothing..I have proof of the cash app support conversation and even sent them a screenshot of the conversation and still no resolve.
Product: Credit reporting or other personal consumer reports

Experian says they investigated this account and got verification. Status says past due as of XX/XX/XXXX, however the account status hasnt been updated since XXXX. This is evidence that they are not actually verifying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00}
Product: Checking or savings account

I have requested a Pin number for my business account and not received one I have call the bank several times over the past 4 months with no reply. Nevada State Bank mail me a new card due to they did not put my business name on it took a month to get it. Then Nevada State Bank cancel that card it took another month to receive my new card. Its been over 4 months and i received the new card. I have requested a pin number several times for the past 2 months they keep sending it to another address in which i did not agree or ask to send it to. They mail my statements to the right address but cant mail my pin number to right address. One excuse after another. Poorly ran customer service. One lie after another lie with my Pin number.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : 1. Creditor is in breach of any alleged agreement that it claims I am bound by.

2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.

3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.

4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.

5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. 

Account name BANK OF AMERICA Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$420.00} Terms -
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -EQUIFAX MTG XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I purchased a XXXX mixer from XXXX on XX/XX/18 on a 5 installment plan. {$90.00} was to be charged when the item was shipped however they charged {$90.00} once on XX/XX/XXXX and seven times on XX/XX/18 for a total of {$720.00}. I purchased the item on my debit card so this amount was taken from my account and made inaccessible. The item has not yet shipped so nothing should have been charged at this point.
Product: Money transfer, virtual currency, or money service

I would like to link my account with XXXX XXXX
Product: Student loan

I have XXXX reenter a payment plan that I have been in with XXXX They are telling me since I purchased a new vehicle, I no longer qualify for a payment plan. I ha e offered to pay the same amount from previous plan. They continue to call at least 6 times a day and sometimes at the same time. ( Phone and cell ). The amount to be paid is unaffordable. Please help. I am having a breakdown mentally due to the harassment