23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a charged off credit card with Capital One Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XXXX the XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XXXX the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my yearly credit report from Equifax. They stated on record the answer of my personal questions were incorrect I guess and then I submitted request directly providing proof and still could not get access to my report. I am currently working on improving my score and they are one of the road blocks Please see their attached response of which I already submitted sufficient information to obtain my records. Please assist
Product: Student loan

XXXX XXXX XXXX I rarely can reach Mohela because of my job. My payment is too high and I need a lower payment or a forbearance. It is impossible to reach Mohela. I have a day off today and held for XXXX minutes to ask for a forbearance. I was transferred to another clerk, only to be disconnected. I called back and held for XXXX minutes explained I was disconnected, and the clerk noted my file and transferred me. I was not disconnected this time, but told my wait time would be XXXX minutes. In the past, I've pressed XXXX for the callback, but I've never been called back. Attempting to avoid phone calls means attempting to login, which is also convoluted : new passwords, submit button freezes, really nothing accomplished without calling.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, This letter serves as a formal follow-up to my dispute submitted on XX/XX/year>, regarding account # XXXX. The reported 30-day, 60-day, and 90-day late payments for XXXX, XXXX, and XX/XX/year> on my TransUnion credit report are completely inaccurate and unfounded. 
Legal Basis for My Dispute 15 USC 1681i ( a ) : You are required to conduct a thorough and accurate investigation within 30 days.

15 USC 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of reported data. 
Attached Documentation Copy of government-issued ID Social Security Number for identity verification Proof of address Relevant section of my credit report Requested Actions Update the account to reflect " Paid As Agreed, Never Late '' or provide verifiable proof supporting the late payment claims. 
Provide me with the detailed procedures used during your previous investigation after XX/XX/year>, as per 15 USC 1681i ( a ) ( 7 ). 
Comply with the FCRA timeline and respond within 30 days. 
If no corrective action is taken, I will escalate this matter to the CFPB and pursue further legal remedies. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I decided to close my account, which was in good standing and had a credit balance. 
Using the phone app I tried to close the account. The app would not allow me to close the account. 
Using the latest credit card statement, I looked up how to close my account. 
I was directed to a customer service number. When i called the number I was put on a very long hold. I could not wait on hold that long, so I decided to write a letter. 
I wrote a letter requesting the account be closed and that my credit balance be refunded to me. I cut up my two copies of the credit card, taped them to the letter to return them and sent the letter by USPS, certified. 
It has been 3 months and I have not yet received any response to my letter. 
According to my phone app the account is still open and my credit balance is still there. 
With any other credit card company, most credit balances are refunded immediately. 
I do not see why this company has not closed my account as requested nor at the least refunded my money. USPS tracking indicates the letter was delivered to the company on XX/XX/2023. 
I would like to see my account closed as requested, my money refunded, and an interest rate charged for the use of my money equivalent to the interest rate this credit card company charges me for the use of their money, which, according to their statement is 25.74 %. 
Attached are copies of my letter, the latest statement that I attached with the letter when I sent it, proof of certified mail, and proof of delivery according to USPS tracking website. 
Please intervene on my behalf. Thank you!
Product: Money transfer, virtual currency, or money service

I had made purchase on XXXX for a jersey for {$1100.00}. The jersey i received ended up being counterfeit with a bunch of fake autographs. I opened a case with paypal and after going back and forth they accepted that i can return the item for a refund. I uploaded proof of return details back to seller. It was delivered with signature. Paypal refuses to refund because i didnt return to address provided through email. But I had called them and they told me to return to seller. So i followed both ebays and paypals policy by returning item to seller which i did with signature and it was delivered. 
Paypal however refuses to refund even when i show proof the counterfeit jersey was returned back to seller. Which in reality should have been discarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to block and delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's. identity Theft Affidavit
Product: Money transfer, virtual currency, or money service

I was contacted on XX/XX/23, by someone posing as a team member for a research company called XXXX. They offered me a remote position for the company and I accepted what I thought was a job as a health and wellness coach for their clients with rare diseases. This 'company ' sent me a job offer letter as well as several other documents and requests with the companies letterhead ( I have them all saved ). A check was sent to me via XXXXXXXX XXXX, for over {$16000.00}. I was also instructed to purchase an XXXX and XXXX to secure as business lines. I need help, the bank is now taking the money from me, saying the check ( that took 3 business days to clear ) bounced and I am responsible for the fraudulent check amount. I do not have {$16000.00} to pay back the bank, nor the {$4000.00} to pay XXXX back for the XXXX and XXXX  I sent out to the 'company ' as well.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Debt collection

Have requested back in XXXX  for them to correct the billing, information was never corrected and was sent to collections. Made several attempts to speak with XXXX @ phone number XXXX. XXXX has never returned the first phone call that was in XXXX. Have made several attempts since and has never returned any calls.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Mortgage

I secured a XXXX XXXX backed loan in XX/XX/2021 to purchase XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX through XXXX XXXX. The loan was quickly purchased by NewRez ( loan # XXXX ). On XXXX, NewRez mistakenly sent an insurance payment from my escrow to someone else 's insurance account due to what they called a data entry error. I have gone through XXXX escalation processes since then to get the money back, and they have still not put it back into my account. The most recent escalation, a " Refund Return Process '' started jointly over the phone by NewRez Customer Support and Insurance departments on XXXX was supposed to have the money back after XXXX business days, which would have been XXXX. The money is still not back as of XXXX. I called back on XXXX, and the agent says they will not be able to put the money back into the account until the money is returned from the account they sent it to by mistake. This seems counterintuitive, as a party that unexpectedly receives money has no incentive to promptly return it. Instead, it is NewRez 's responsibility to return the money out of their own accounts since the money was misappropriated as a result of their data entry error. I need help to get NewRez to return the money that they misappropriated.
Product: Vehicle loan or lease

Multiple harassing calls daily from different numbers after I communicated to them when I would pay Repetitive calls back to back Multiple threatening texts from different numbers Threats to hold car until payment is made Date to make payment put in for another date I did not promise to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX  XXXX  credit card for a small business I owned. In XXXX of XXXX  I closed the card and had a XXXX balance. Several months later there was a charge allowed to be made on that card by XXXX XXXX. The account was no longer open at the time the charge was made. I no longer had access to the account. I contacted XXXX XXXX  several times and had to drill down through automated systems to get to an actual person, and then after many conversations being switched to other people in their system I finally agreed to pay the balance to avoid getting a blemish on my credit report. But they reported this to the credit bureaus anyway. This is a very bad practice allowing a charge to be made on a credit card that was closed. They should have refused the charge and it would have been up to the company trying to make the charge to contact me for another means of payment. If the card had expired, XXXX XXXX would not have let the charge go through, so how is this any different.
Product: Credit reporting

I tried to dispute it with DIVERSIFIED CONSULTNTS they said I need account number from XXXX. I called XXXX to get account number. They do not have XXXX because I have never been a XXXX XXXX customer. Called back Diversified told them no account number was available they said they could not help me and hung up. I have never been XXXX customer and I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX/XXXX  account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1692C YOU HAVED VIOLATED MY RIGHT BY LAWFUL COMMUNICATION. PLEASE REMOVE THIS ACCOUNT OF MY CREDIT REPORT
Product: Prepaid card

I purchased a NetSpend card at XXXX XXXX and I added {$400.00} to it and then when I went to activate the card it directed me to customer service and customer service said that I can not open a account with them and that I can't use my money and I put my money on that card because I needed to take a plane to go see my grandma 's funeral and I couldn't even attend that because of this situation it broke my heart and broke everything that I had I loved my grandma and I couldn't do it because all my money went in that card and I wasn't able to use it and so they said they can send me a refund check which was not good enough and it's been over a month and I still haven't got my check I'm devastated still from all this that happened to me I didn't get to see my grandma that killed me inside all because they said I have too many accounts open if that was the case if if there was a limit on how many accounts I can have then why would they sell so many at XXXX XXXX  why can you why are you allowed to purchase as many as you can that broke me.
Product: Debt collection

After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.
Product: Credit reporting or other personal consumer reports

My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted Equifax, XXXX XXXX, and XXXX several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

-Diversified Adjustment opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -Roadmaster Drivers School opened : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report, and seen a charge from AARAGON collection agency for {$33000.00}, I called them in XX/XX/XXXXto advise them that the debit was not mine. The rep stated that it was an old medical bill from XX/XX/XXXX, the had my old address, from a year prior, I also advised them that at the time of the visit I had given the hospital all current information, and had insurance at the time. The rep stated that it did not matter even if I back tracked my previous insurance that it was too late to submit, I also asked if the could send me something showing that the account was really mine. I then asked why did it take almost 4 yrs to show on my credit I was advised that it was with a previous collection agency, but I could not get the information, I have also disputed with XXXX and XXXX multiple times in XX/XX/XXXX and XX/XX/XXXX
Product: Credit card

I received a credit alert that a hard inquiry was reported on XX/XX/ from JPMCB card. I have not applied for a new card and no one has my personal information to do so. This is a fraudulent inquiry/card if an account was opened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which XXXX XXXX claims to be mine. I believe that XXXX XXXXXXXX XXXX actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXXoinbase account was taken over. I notified Coinbase and they have been vague and non compliant regarding my Coinbase account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX several fraudulent charges appeared on my account. I disputed them, they did not show on my bill and showed as in dispute online. They were removed. They issued a new card #. In XX/XX/XXXX XXXX and Citi security rebilled the XXXX to my new card #. I called and sent in documents disputing the bill. There was nothing online to show that. Then I was getting billed for it. They reported nonpayment to the credit bureau. I disputed that with XXXX but they said the charges are valid. I called Citi and spoke to billing. Not helpful. XXXX person and I finally was transferred to security. A foreign person was on the phone and I could hardly understand her plus the connection was so bad I did not get XXXX of what she said! She was supposed to email a copy of the conversation and I received nothing. Since they reported to the credit bureau my score went from XXXX to XXXX XXXX of XX/XX/XXXX. I had called Citi several times previous to the security call and was told it was still in dispute. I Did NOT make this charge and did not have excellent credit all my life because I don't pay my bills! I am very angry about this and I do not not know what steps to take from here to resolve this.
Product: Checking or savings account

I have repeatedly tried to access my Santander account online. I have had this account for almost 20 years. I got locked out of the online access and the bank will not allow me to access the account unless I go to a branch. The nearest branch is over a XXXX miles from where I now live. Santander is now charging me monthly fees for not using my account.

The bank representatives I spoke to on the phone verified my identity repeatedly, yet they will not reset my password to let me access my account.

Attached are eMails with Santander representatives as well a recent notice of fees charged to my account.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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

In XXXX I took a long to complete my degree in the amount of {$2700.00} which accumulated with interest of {$100.00} as of today XX/XX/XXXX. Earlier this year, I found that my personal and financial information was compromised without my authorization ( XXXX XXXX  data breach to our student loan information that also compromised our my personal information as well ) He has no rights to have access to this information without my consent. I disputed the loan but the bureaus wouldnt remove it from my credit report as well.