23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caller id recovery services XXXX Started about XXXX weeks ago. I have already answered, had the call fail, callback, have them look up my phone number. 
Ask for a supervisor. 
Told them my name, my wifes, and all our cell phones Given them our ssn.. 
They have no debt that we owe, yet they call use practically daily. We have received nothing via mail. They are not at all helpful and most of the time hang up. 

XX/XX/XXXX called, tried to answer press 1, call failure called back explained situation, got hung up on called back a second time spoke with XXXX who was going to forward to supervisor. I asked if they would ever acutally call me, the answer was no XX/XX/XXXX XXXX - called, answered, press 1, call failure call back spoke with lady. Gave my name and number XX/XX/XXXX XXXX - called, i answered. Spoke with gentleman, told him story and that we are not the lady. We have had this number for ten years. 
XX/XX/XXXX XXXX - called, didnt answer XXXX - called, didnt answer XX/XX/XXXX XXXX called, didnt answer XXXX called, didnt answer XX/XX/XXXX XXXX called, didnt answer
Product: Debt collection

I have attempted to reach Midland Credit Management on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Midland Credit Management nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Midland Credit Management provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Credit card or prepaid card

My credit report was pulled, with multiple fraudulent reports from a data breach which included my email, social security, bank account, and card information. Ive called to report fraud to companys as well as I did a police report. They directed me here so hopefully I can get some answers so that these items can be removed.
Product: Checking or savings account

XX/XX/2021, I received a text that said Wells Fargo. transaction pending XXXX if it was me reply to Y or N. I pressed N and sent it. Seconds later I received a call that said Wells Fargo. I answered and the guy said This is XXXX with Wells Fargo this call will be recorded and monitored for security purposes. He said XXXX XXXX i said yes then he said the reason for my call Is because there were 3 attempts to take out XXXX from your checking account through XXXX. Then he said in order to stop the money from being sent go ahead and login to your account and go into XXXX then go settings and then he said there's 2 setting that you see there? i said yes, he said on shouldn't be green so go ahead and disable that setting. Then he said we are going to make you a XXXX account so we can send the money back to you. it'll stop the transaction from being sent out. so, I made myself an account. He said go ahead and act as if you're going to send money from your checking account to yourself so i sent XXXX to the XXXX account I made. Then he said go into savings and do the same thing but whatever you have in savings which was XXXX I sent that to me through XXXX. Then he said that the money will go back into my account after midnight. As i was going to ask a question about the XXXX attempts the guy hung up on me. I called Wells Fargo back and that is when I learned that Wells Fargo didn't call me about the XXXX pending transaction. They transferred me to the fraud department, and I gave them my statement. They told me to wait 10 business days so they can review and determine what will happen. After the 10 business days I called, and they told me that the case was closed, and I'll get a letter. I was also told that I won't get my money back because it was sent through XXXX, and they can't trace those transactions. So, I said Well why didn't you tell me that in the first place instead of giving me hope that I was going to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there states I have a hard inquiry from Syncb which appears to be some kind of airline?? Its from XXXX XXXX. I did not authorize this inquiry and have no idea where it came from. This will stay on my credit report until XXXX of XXXX so Id like to resolve it soon as possible. There doesnt seem to be any record of a company called syncb and there isnt a phone number I can contact them at.. found on XXXX XXXX that this has been issue with other people as well.. and some have gotten results from submitting a compliant through the Consumer Financial Protection Bureau XXXX Many thanks for any help you can provide
Product: Money transfer, virtual currency, or money service

All monies reported to be returned. XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I signed up for a XXXX XXXX XXXX XXXX  scheduled on XX/XX/2023 at XXXX PM with Staying Alive XXXX. I then realized it was the wrong class on XX/XX/XXXX and I emailed them asking if I could get my appointment canceled. They replied telling me they could help me switch to a different class, but they didn't have the class I was looking for. So, I once again asked them to cancel my appointment- no response. On XX/XX/XXXX, they then emailed me back saying they could cancel my appointment, but " as per their terms and conditions, there are no refunds ''. When I placed the order for the class, there was no disclaimer or terms and conditions that showed up anywhere saying there were no refunds for canceling an appointment. In fact, I went back on their website and I still couldn't find such a policy. They then text me on XX/XX/XXXX at XXXX PM saying that my scheduled class was canceled due to low enrollments and wanted me to join their other class scheduled at XXXX AM instead. I have class at that time and could not attend. I don't understand why they can cancel a class due to low enrollment, but can't refund my money for a canceled class. My appointment was for the class scheduled on XX/XX/XXXX at XXXX PM, so if it was canceled, they should give me my money back. Since they refused to, I contacted my credit card company which was Apple Card with Goldman Sachs. I provided them information on what happened and after XXXX months, my dispute was denied. Throughout the entire XXXX month dispute process, not once was I contacted to provide extra proof or information. They only listened to the merchant and who knows what information they provided. Nowhere on their website did they have a refund or cancellation policy and I was notified of no such thing when I was making the appointment. In short, my scheduled appointment was canceled on the merchant 's end, but they refused to refund me and Goldman Sachs sided with them and refused to give me my money back. 

My previous complaint was closed with the company 's response stating that the evidence provided by the merchant shows that I agreed to their terms and conditions, but no such terms and conditions were provided to me when I scheduled the class. No such terms and conditions are displayed on their website, or when I purchased the class, or when I got the confirmation email. If you attempt to schedule another class right now, no such terms and conditions appear either.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs
Product: Credit reporting or other personal consumer reports

I am contacting the credit bureaus to report that I have been affected by erroneous activity. Per FCRA section 605b you are required to remove any items listed on an FTC Report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXX  XXXX XXXX : {$1200.00} XXXX XXXX XXX Balance : {$860.00} XXXX XXXX XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Subject : Complaint Regarding Identity Theft and Incorrect Reporting on Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX incident of identity theft and incorrect reporting on my credit report. During the year XXXX, XXXX XXXX XXXX clients took a patient using a fake driver 's license that does not have the correct home address listed. It has come to my attention that my driver 's license was stolen and altered, leading to this case of identity theft. 

Furthermore, I have discovered that XXXX XXXX XXXX is listed as a debtor on my credit report, as a collections date opened XX/XX/XXXX for {$790.00} which is negatively impacting my credit score. This incorrect reporting is causing significant distress and financial hardship for me. 

Additionally, I have found evidence that XXXX XXXX account was also used to open a business cellphone account using my likeness and name, this reports as a collection for {$730.00} but with the wrong mailing address. 

I have taken immediate action to address this issue by filing a complaint with the Consumer Financial Protection Bureau ( XXXX ), XXXX, and all three credit bureaus. I have provided them with all the necessary documentation, including the police report that shows my license was stolen and altered. 

In light of these circumstances, I kindly request the following actions to be taken : 1. Immediate removal of XXXX XXXX as a debtor from my credit report. 
2. Thorough investigation into the identity theft incident and appropriate actions taken to hold the responsible parties accountable.

3. Assistance in rectifying any financial damages caused by this incident, including reimbursement of any fees or expenses incurred in the process of resolving this matter. 

I expect a prompt response and resolution to this matter. Failure to address this issue adequately may result in further legal action. I have enclosed copies of the relevant documents, including the police report, for your reference. 

I look forward to your prompt attention to this matter and a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019 we refinanced our home with XXXX XXXX XXXX. We were behind in our car and home payments along with other creditors due to the XXXX status of my husband. We expressed our concern with the loan officier of the urgent need to get this done, so we did not loose our home or car or have other damaging effects on our credit. We signed the closing documents at he the lawyers office on XX/XX/2019. The payments went out to all of our creditors. The lawyer sent XXXX the payment for our mortgage and the home equity payment. However the loan officer was neglectful in sending out the payment to our other creditors. The checks were sent out thought regular mail, non registered. Several of the payments were late to our creditors including the payoff for our car. This check was lost in the U.S. mail. The payment to Wells Fargo was never received. On XX/XX/2019they repo 'd our car. It took several phone calls to Wells Fargo who talked to the bank and the bank now XXXX XXXX  to release our car. We have tried a number of times to resolve this matter with Well Fargo to remove this repo from our credit report. They are not willing to do so because they say the repo was performed legally. It was the fault of the XXXX XXXX in XXXX, Massachusetts, because they did not send the checks out through registered mail and they were lost. We now want to refinance our home with another bank due to the loss of confidence we have in them. They have not assisted us in any way and have damaged our credit to the point we can't even get a simple credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX Re : Dispute of Collection Accounts and Request for Permissible Purpose Documentation To whom it may concern, I am writing to you as a consumer XXXXXXXX XXXX XXXXXXXX, whose personal information is provided below. It has come to my attention that there are two collection accounts associated with me XXXX XXXX XXXX XXXX records. The details of these accounts are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/ 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/ Upon reviewing my XXXX XXXX XXXX XXXX history, I have concerns regarding the legality of these accounts and the information used to establish permissible purpose for obtaining XXXX XXXX XXXX personal information XXXX It is my belief that the collection agencies, namely XXXX XXXX and XXXXXXXX XXXX XXXX, have failed to provide sufficient evidence of permissible purpose as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, collection agencies are required to have a permissible purpose when accessing and reporting consumer credit information. This includes obtaining consumer reports for the purpose of collecting debts. It is crucial for the collection agencies to demonstrate that they had a valid and lawful reason to obtain XXXXXXXX XXXX XXXX personal information, as failure to do so can result in serious violations of my rights as a consumer. 

Therefore, I kindly request that you provide me with the following documentation within 30 days from the date of this letter : 1. Any and all documents, agreements, or contracts that demonstrate a permissible purpose for accessing XXXXXXXX XXXX XXXX  personal information in relation to the aforementioned collection accounts. 

2. A detailed explanation of the steps taken by your agency to verify the accuracy and completeness of the information provided by the original creditors, specifically with regards to the validity of the debts and XXXX XXXX XXXX obligation to pay. 

3. Copies of all correspondence, including letters, emails, or any other form of communication, sent to XXXX XXXX regarding these collection accounts. 

Failure to provide the requested documentation within the specified timeframe may result in legal action to protect XXXX XXXX 's rights under the FCRA and other applicable laws. This could include seeking damages for any violations and reporting non-compliance to the appropriate regulatory authorities. 

To ensure accurate and timely communication, please direct all correspondence regarding this matter to the undersigned at the address provided above. I expect your prompt attention to this dispute and request, as the law mandates swift resolution of consumer credit issues. 

Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and resolving this dispute in a fair and lawful manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts 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 XXXXXXXX XXXX However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

On XX/XX/XXXX of 2021 in the morning, I made a reservation for XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX The hotel and theme park fees totaled XXXX. After making the reservation, XXXXXXXX XXXX website went down abruptly, and I was unable to access my reservation online. I needed to access the reservation because I was planning to cancel it. I called their customer service line, but the wait time was two hours. Even after two hours, no one answered. Due to their website not working and their customer service team not answering, I could not view my reservation online in those twenty-four hours. XXXXXXXX XXXX  website was not very user-friendly and their customer service team was unresponsive. The next day, after being left on hold for three hours, I finally spoke with a representative about the reservation. While on the phone with the representative, I decided I did not want to keep my reservation because of issues with traveling and their poor customer service. XXXXXXXX XXXX cancellation policy is that trips need to be canceled five days before arrival to receive a refund. They do not have a policy for reservations that are made four days and under before arrival. They lied to Wells Fargo about their policy. They indicated that I did not cancel five days before arrival, but I hadnt even made the reservation yet. They never addressed this fact with me or Wells Fargo. Aside from the fact that they did not have a policy for canceling my reservation, it had not even been forty-eight hours since I made the reservation, but XXXX refused to let me cancel. According to them, because it was now basically four days before arrival, they would not be able to honor my cancellation request. I told them that it took a day longer to cancel the reservation because they would not respond to my calls for twenty-four hours and that their site crashed the day I booked my reservation, but they refused. I disputed the charges with Wells Fargo, which resulted in them issuing a temporary credit to me. After several months, on XX/XX/2021, Wells Fargo reversed the temporary credit on my account. They told me that they took away the credit on my checking account because XXXX would not allow refunds within that time frame. Wells Fargo disregarded all of what I told them about XXXX site crashing the day I booked the reservation, in addition to their unresponsiveness to my calls that day. I tried to follow up with Wells Fargo about the dispute, but they have refused to help me. Wells Fargo 's corporate office had also ignored my attempts to reach out to them. My family has been banking with Wells Fargo for years, but instead of helping me, they defended Disneylands faulty policies and poor customer service. On XX/XX/XXXX, Wells Fargo finally replied to me. They did not address any of the issues I mentioned. They dismissed all of the issues I brought to their attention because I made the XXXX purchase with my debit card. I never contested that I purchased the trip with my debit card, but I did contest how XXXX handled the entire situation. Both Wells Fargo and XXXX are unethical.
Product: Mortgage

Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.