23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX was taken care of way back in XXXX this year by " XXXX '', the bill lady at the XXXX XXXX, which is why I never received another bill since then. AR Resources comes out of nowhere around XX/XX/XXXX saying that I owe them money??? I am not overdue on anything anywhere. And they made my credit drop 35 points so I'm kinda hot in the head right about now.I would gladly send that XXXX XXXX to the hospital and be their collection agency " from outer space '' the way they did! And who are they. Where are they from. There is no proof that they tried to collect a debt from me which is entirely impossible because I have the " what's coming in the mail today '' by USPS. I feel like I've been robbed in a way and that they are doing something illegal! No bills at all sent from them-which is impossible. The hospital said that the situation was taken care of when I called to ask what is going on. I have a " XXXX XXXX '' because of my financial circumstances meaning basically homeless and I never received a bill! My XXXX score dropped big time! All because of some XXXX XXXX company climbing out from under a rock somewhere out in the middle of the desert under a mound of wild buffalo XXXX! And they can XXXX XXXX XXXX where the XXXX comes out because the hospital said that they took care of it!
Product: Checking or savings account

I received a Welcome to Bank of America letter on XX/XX/XXXX, which included 2 account numbers ( savings and checking ) which I did not authorize the opening of. I called on XX/XX/XXXX and spoke to XXXX from the ID Fraud DepXXXX. He told me those accounts were known fraud accounts tied to a XXXX  XXXX SSN and linked to dozens of fraud cases over the past 18 months. He told me to disregard the letter and throw it away because there is no way that letter came from us. He said the return address was phony. 

I had another account opened in my name with a different bank ( XXXX ) on XX/XX/XXXX. I received a debit card for that one and also called on XX/XX/XXXX. XXXX immediately initiated a fraud investigation, asked me to file a police report and submit an affidavit. 

A week later, I received 2 letters from BofA dated XX/XX/XXXX, stating that the XXXX accounts were closed. Case # provided and phone # for the ID XXXXraud Alert/ XXXX XXXX XXXX ( the same dept I was directed to on XX/XX/XXXX ). 

Since then, I have received multiple bank account statements from Bank of America. I called them again on XX/XX/XXXX, and was told the # I called was for Risk Account Closure, and that these 2 accounts were closed and I would need to contact the Fraud dept at XXXX to initiate a claim/investigation. Then they tried transferring me, but the extension was incorrect so the line hung up. 

XXXX has also been involved and was very helpful in getting fraud alerts set up w/ XXXX credit reporting agencies and XXXX XXXX as well as with XXXX who was able to close the case and provide me with a letter explaining that I was not at fault. 

Im concerned that parties at BofA are attempting to do what XXXX XXXX was found guilty of years ago ; creating a bunch of accounts right at the end of the year to boost commissions ; or worse, that there really is a fraud going on with my name associated with it. 

Ive filed a police report with XXXX XXXX XXXX, and filed a complaint/affidavit with the FTC.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 i have wire {$21.00} and pay with cc {$4000.00} from chase cc and wire was also from chase bank. this money went to company name scaling group that was suppose to run 2 ecommerce stores from me. after few month store was shut down for violation of XXXX rules. when i contacted them on email i got not respond. they pretended to have a warehouse where they storage all the product in CA and ship it from there. but it turns out they just by from XXXX and ship to XXXX which is against the XXXX rules. that's the reason that my store been shut down and that is the reason for them not to communicate since is 100 % fraud. they are also promising 100 % money back guaranteed in the first year but this all company is a big scam. I know they have done it to many people since I'm in the group of 30 people that got scam too. 
When i was trying last month to dispute it with my bank chase bank. they denied my request saying that as soon as i transfer the money, sg ( XXXX XXXX  XXXX ) remove the money right away to different account. I'm complaining on chase bank for lettings this happened without raising red flag even when they see that as soon as they see that money go to this account sg will transfer it right away to different account. Ill like chase bank to take responsibility for that and to approve my cc and my wire dispute. I have try to dispute twice and got denied by the bank. Will be happy to get your involvement here and to help me get my money back. 
XXXX
Product: Money transfer, virtual currency, or money service

PayPal Inc demands payment of {$88.00} in fraudulent XXXX transactions. My financial institution and XXXX have both investigated and determined it's fraud. I had to get new bank accounts and rideshare accounts while updating passwords on all my digital accounts. I've contacted PayPal numerous times, including on today, I was told the resolution team closed the dispute and I must pay. I will not pay for charges for services I did not enjoy. I'm at my wit 's end and just want PayPal to do what is fair and right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my attorney general XXXX XXXX accounts with XXXX  and Equifax several times asking them to correct the information that they are reporting as it is incorrect or not my accounts. I have detailed proof that I have provided to them on several occasions and they removed the accounts at one point but reinserted a few months later as verified. I have contacted the Attorney General XXXX XXXX  division to ask if they were contacted in these regards and their reply was no. I have contact information from the AG office representative who sent my account over to the judge to have my accounts updated. However, XXXX  and Equifax continues to report false information. The payment amounts are incorrect, the late payments are false, and one of the accounts have been closed that they continue to report as open with late payments. I am a XXXX veteran and my payments come out automatically which I have proof of. I had arrears on my XXXX  XXXX from day 1 that the AG office and I agreed to increase my support amount which I agreed with. These are not late payments which the CRA states 120 and 180 days late on different dates. For the times they report my account as late payments I have statements from the AG office receiving my payments on time.My account should report current and pays as agreed or these 3 accounts should be removed from my  account as my rights have been violated on several occasions with these accounts. I am in the process of purchasing a home and have been denied several time on the account of these false and incorrect reporting agencies. I have till the end of XXXX before I loose my earnest money on this home and I strongly urge you to help me in this matter. 1 account reports with past due 180 days with a late payment XX/XX/XXXX late 120 days how can this be. This same account is actually close and paid in full by county judge. There are no 30,60,90 days late on this account. Payment amount is also wrong. All violations. The other account reports my payment amount of {$22.00} which is incorrect and a violation reports 120 days past due. No 30,60, or any other late payments. The other AG account reports 180 days late in XXXX in XXXX. This is false and none of these accounts can be actually verified by the CRA. I have the proof of payments for every misreported account. They have not verified any of this information with the exception of using my address to verify which is not accurate. The have also removed other accounts back in XX/XX/XXXX as deleted and placed all of the accounts back on my report with no reinsertion notice or verification. They remove for a few months and reapply with no notification or justification. I have no loans or agreed accounts with the attorney general XXXX  XXXX  division these are all forced accounts on my credit file that I do not agree with. I also disputed several other accounts with Equifax and they reported back to me verified or accounts not on actual reports which is false and they are and I have proof. XXXX XXXX and XXXX accounts have now been reinserted onto my Equifax credit file.
Product: Credit card or prepaid card

XX/XX/XXXX I made one credit card with National Bank of Arizona. I received a credit card ending with XXXX around XX/XX/2020. I start purchases with this credit card. 

On XX/XX/XXXX I made a payment from my business bank with NBAZ of {$1000.00}. statement reads " CREDIT CARD ECS XXXX XXXX CONTROL REF # XXXX {$1000.00} '' On XX/XX/XXXX I noticed that I had 2 accounts for the same credit card, one ends with XXXX XXXX ends with XXXX, that also had the same balance for the same transactions. I brought this up with my banker over email and was told it would be taken care of. 

" Hi XXXX, The card ending XXXX is the control account, which you will not have a card for, they shouldnt have set up your account this way. All balances roll up to the control account. ( This is more for businesses that have several cards for their employees. ) I will have them delete the control account so that you just have the one card, it wont be so confusing then. I will find out when that card is closed. '' The account ending with XXXX was then closed ( I was not told the date nor given a statment or anything by mail ) I must assume it was closed on XX/XX/2020 as this the date I received a statement on my account ending with XXXX stating " TRANSFER BAL FROM CARD XXXX {$1700.00} '' Not only this but I have no record of the {$1000.00} on my credit card payment history ending with XXXX. BECAUSE THEY PUT IT ON MY DUPLICATED ACCOUNT ENDING WITH XXXX AND THEN DELETED IT. 

Thus, I have been double billed XXXX on the account ending with XXXX and paid {$1000.00} on a control account ending with XXXX that should have had the payment transferred to the account ending with XXXX to the account ending with XXXX with my CC account with NBAZ. 

In total I have been cheated {$2800.00} from my CC with NBAZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX ******************* Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name Collection XXXX XXXX XXXX XXXX  Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection XXXX XXXX XXXX XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX Account Number XXXX. BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Number XXXX Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX  Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to cancel my Free membership with Experian for over a month. I called all numbers available and still can not speak to anyone to cancel. No option to cancel on website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me added to her XXXX  XXXX credit card and I want to be removed off it as an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls
Product: Debt collection

XXXX/Onemain/XXXX XXXX Dear XXXX XXXX I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my rights.
Product: Checking or savings account

On XX/XX/XXXX, XXXX I called Citi Bank, because I could not log into my account. I ended up talking to the fraud department, because they were saying they were closing my account due to a transaction. I asked the representative what transaction, because my last transaction was for {$4.00} she explained she could not tell me, and that they will be mailing a letter so the account will be closed in 30-60 days. I explained my concerns about them constantly putting fraud alerts on my account and locking my account due to no suspicious activity I had confirmed, and now when I have a dispute going on they close my account.
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I were approached by a salesman selling water filters about 10 years ago and we decided to purchase the water filter in hopes that it would help with our son 's sensitive skin. The guy that sold us the water filter had us finance it through aqua finance and that it would be paid off in 3 years with no interest. My husband and I made the payments for this water filter out of our checking account and then when the 3 years were coming to an the end and it was suppose to be paid off the company told us that it had collected interest and that we would still have to make payments. They stopped sending us statements and made it very hard to get a hold of them for us to dispute this. They were also suppose to come and service the water filter and that have not contact us or set this appointment up since installation of the water filter. Ten years later we are still making payments on this water filter because they told us it would be turned over to collections. They automatically take a monthly payment out of our checking account and they still have failed to send us a pay off amount. My husband and I have been trying to resolve this with this company for over ten years now and have not gotten anymore except for paying for this water filter over and over again. Also the company has falsely reported information to the credit bureaus that we have disputed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and it appears that there is inquiry of the company that I did not authorize to be ran as many times as it did. I Reported it and I did not provide express authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Mortgage

On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.
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 Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 seven years.

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

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 seven years.

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

On Monday, XX/XX/year> at XXXXXXXX XXXX XXXX I received an email from " transunion@em-tuci.transunion.com '' stating that a fraud had been reported on my account. The link included in the email sends the user to XXXX. 

Since I no longer have an account with XXXX XXXX the link did not continue to the online bank page. 

I recently placed a fraud alert on my credit report and, after receiving this email, reported this incident to FTC and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.