23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

When reviewing my credit report online, I noticed an account that was in collection status under the name Ashmer Collection Services. I had no idea as to who, why, what, where or when this account was established. I received absolutely no written statement from XXXX or XXXX XXXX XXXX - XXXX, regarding this collections account. I called XXXX XXXX XXXX XXXX original debtor ) who which told me that they did not have me in their system at all for owing any type of debt. So I did what all 3 Reporting bureaus advise, that is to call the collection agency. ASHMER COLLECTIONS agency had no recollection of the debt, nor did it have my name or any personal identification information related to me whatsoever. Only after giving ASHMER COLLECTIONS agency, my name did I receive ( one week later ) receive a notice of debt in the mail, that was not from XXXX XXXX XXXX, as stated on ALL 3 Credit Reporting Agencies, but from XXXX XXXX XXXX XXXX  XXXX XXXX. I have attempted to dispute the debt time and time again with all three reporting agencies only for it to be removed, then again placed back on my credit report. This is the one and only collection debt on my account and its hurting me and my reputation severely. I want these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove all of my information from all CREDIT Bureau agencies AND THEIR systems IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Money transfer, virtual currency, or money service

I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.
Product: Money transfer, virtual currency, or money service

Date the transaction was initiated was on XX/XX/XXXX. The transfer amount is XXXX USD. 
After the transaction was complete, I received a mail from transfast mentioning that the amount will be transferred safe, secure and quickly and estimate delivery date is XX/XX/XXXX. 

There is neither a mail communication not a phone call from transfast on my transaction. 
Request you to please take this up as critical priority as they need to mention the reason for cancellation as I sent the money to XXXX which was needed for emergency purposes. My family in XXXX had to suffer due to unavailability of funds. We all had to suffer mental tension due to this and the purpose was not served too. 

My amount has not been reversed till I called transfast team to check on my transaction status.
Product: Payday loan

I took out a Spot Loan in XXXX XXXX. The loan amount was {$800.00}. I received a payment schedule detailing that the loan would be completed in XXXX XXXX, XXXX. Looking at my online account balance I still show {$610.00}. My " scheduled '' last payment is on XXXX XXXX and I 'm not even close to paying out this loan. 

I sent an email to Spot Loan for a copy of the terms and conditions of my loan and have yet to get a response. In my opinion, I have already paid more than the loan principle plus the interest. According to the payment schedule, I have already paid {$2100.00} in interest and fees.
Product: Credit card or prepaid card

XXXX XXXX keeps sending me my set of files that are old and outdated when they denied my complaint. These are dated back to XX/XX/2019 and the files of XXXX XXXX  appear to be in total disarray. I am attaching a letter dated XX/XX/2019 that refers to the {$1700.00} charge dispute from XXXX XXXX XXXX  XXXX  XXXX that is FRAUDULENT. 
Later I received a letter from XXXX dated XX/XX/2019 that I also let my spouse read that stated my account would be credited in 10 business days based on the new information I had submitted to them. I kept faxing them that week the deadline was drawing near ( The XXXX Fraud Department ), and did not hear back from them after the 10 business days passed. Capital One took over the XXXX XXXX / Walmart accounts and there was about a 3-day blackout where I could not get my balance to see if it was correct. The first day I could log back in I could see the credit was missing and called Capital One. It took almost an hour but the XXXX XXXX  Fraud Department was contacted and Capital One was told they needed 5 additional business days to apply the credit due to the transfer of accounts. When they time frame passed, again nothing was done and the Fraud Department told us that they were no longer servicing any of the old Walmart accounts. This is poor business practice at its best and even worse customer service. XXXX XXXX  was not following though on their promised and were sending outdated and incorrect information to the Consumer Financial Protection Board. I wonder if the Comptroller of the Currency and the FDIC if you are a federal bank of the State Financial Board if you are not are going to be as tolerant as I have been through this process. You are sending false information to a federal banking regulatory agency and it will be noted in the files.I would like to receive a FULL report on my case and all the paperwork ( not just the old paperwork you keep referring to ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never given you express permission nor consent to furnish information and or accounts to my consumer report. If you have any evidence that proves I gave you consent please provide it to me in writing as an attachment in your response to this complaint through the CFPB as well as via email which I will include in this complaint. Should you have proof/evidence of me giving you consent to furnish information or accounts to my consumer report please clearly and conspicuously provide me with an explanation as to how I can opt out of having my info stored/shared/furnished by you in your companies database/records as well as non affiliated third parties that you do business with. You know it is against the law to to what youre doing without my consent. If we can not resolve this matter amicably, I will not hesitate to escalate this matter further.
Product: Debt collection

am writing to file a formal complaint against a third-party debt collector NCA who has violated multiple federal laws in their attempts to collect a debt that I do not owe. This matter has been ongoing, and despite my efforts to dispute the debt, the collector continues to engage in illegal practices, which has caused significant harm to my credit scores. 

Details of the Violations : Debt Not Owed : The collector is attempting to collect a debt that I have disputed and have no obligation to pay. I have provided all necessary documentation to dispute this debt multiple times, but they continue to report the debt to all three credit bureaus. 
Damage to Credit Reports : Due to the improper collection practices, my credit scores across all three major bureaus have been negatively impacted. These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal regulations. 
Failure to Cease Collection Efforts : Despite my written disputes and requests for verification of the debt, the collector has failed to provide adequate validation as required by law and continues their attempts to collect this debt unlawfully. 
Request for Action : Given that this issue has been ongoing for over two years without resolution and the collector 's failure to abide by federal laws, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold the third-party debt collector accountable. I also request that the damages be assessed, and appropriate penalties of {$1000.00} per violation be applied for the unlawful collection attempts and the impact on my credit. 

Please inform me of any additional information or documentation required to assist with your investigation. 

I look forward to your prompt response and the necessary steps being taken to address this issue. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

I was served by the XXXX XXXX XXXX to respond to an attempt to collect a debt on XX/XX/XXXX. The alleged debt amount is {$7300.00}. My partner XXXX XXXX XXXX  into the world XXXX, XXXX. And the delivery caused massive complications. I was stricken from working full time having to be home more where i was needed most. In that time i was also able to learn and educate myself on my XXXX given rights as an American and my consumer protection laws. I have since learned that i have been violated and deceptive practices have been done to me causing even more stress and harm to my family and I. I was given 21 days to respond to the courts. My response date was XX/XX/XXXX. I denied all alleged allegations against me and have since been given a pretrial date. I have made several attempts requesting documentations to disclose accounting information that. I am entitled to and have not received. All which was done in a timely manner before responding to the courts. Ive sent a email attempting to gain information from the debt collectors who have gained my information illegally. I never gave any written consent to anyone in the company to share information. Nor have i given any forms of consent to distribute my personal information. I have been a victim of identity theft. They still wishing to proceed with a case against me is casing more unnecessary stress than i can almost bare. I also sent 3 notices by certified mail demanding my personal accounting information and have not even been responded to. I am well aware that the securities generated on that account come from my social securities and my signature. Also US Codes give clear instruction on what to do with an account with a balance in excess ( 12 CFR 1026.21 ). They did not perform those duties. I will enclose all of the notices and screen shot of emails sent. And all other documents Ive received from the courts.
Product: Debt collection

XX/XX/XXXX I purchased internet and TV services from XXXX XXXX XXXX. After a series of problems, and incorrect charges I decided to end the service with them and completely cancel. The connection to the services at home was never done. For this reason i continue to get charged and now have Sunrise Credit Services trying to collect the debt. I have made over 30 calls to XXXX XXXX XXXX and spoken with many managers. They have all said they have resolved the issue but still continue to get charged for the service they did not render. I continuously call XXXX XXXX XXXX representatives to get it fixed but still have not had any resolve. As a result my credit score can be affected. XXXX XXXX XXXX has claimed that it is an error that they committed but I still continue to have this problem.
Product: Money transfer, virtual currency, or money service

I placed an online order on XX/XX/2019 on a website for a laptop computer for the price of XXXX. This company took my funds. Did not send any type of confirmation for the order or the shipment of the order. I sent numerous emails to this company over the course of a week with not one response. I used Paypal to make this payment. Since no word from the company I got in touch with Paypal on or around XX/XX/2019 to state I did not get the product that I paid for using their service. I requested to open a case for an item I did not receive. Transaction ID was XXXX for the payment of XXXX. A case was opened on or around XX/XX/2019. Paypal then proceeded to do a review. I made several phone calls, had online chats and sent emails between XX/XX/2019-XX/XX/2019.I also contacted the USPS office in my town several times between XX/XX/XXXX and XX/XX/2019. I am attaching a copy of the document provided to me by the USPS on XX/XX/2019. Item was shipped and then delivered on XX/XX/2019,  delivered, In/At mailbox @ XXXX XXXX. USPS tracking number XXXX, a package weighing 1 ounce, this according to the USPS. This was delivered to XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX to a different person. The info was given to me by the local USPS. That office would not document this to me as they were protecting the persons privacy. I have a document from a employee with the local USPS stating the tracking number provided was delivered to a different address than mine. This was delivered to a different person, to a different address and it only weighed 1 ounce. But they still received my money for a product I never received. I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX. Paypal ruled in favor of the seller on XX/XX/2019 stating the seller provided a valid tracking number. The tracking number to their package was delivered to the wrong person at the wrong address.If you need more information, please contact me at XXXX. Thank you very much.
Product: Credit card

On XXXX XXXX 2024, I called Best Egg Credit Card to inform them that I had lost my job and was going to be unable to pay. I asked the representative if she could refund the XXXX dollar late fee. She stated she could not do so because I had been refunded a fee in XXXX. I asked the representative if I would be able to make a partial payment as I was only 30 days past due, to avoid being reported as late on my credit report. She stated that would not be possible, and I would still be reported even if I paid the full amount. I then called again later that day to speak to a Supervisor, who stated he would refund the XXXX dollars. I called the next day, as the refund did not process. I asked to speak to the supervisor who promised me the refund. He refused to come to the phone, but told the rep to inform me that my request was denied. I then called several times after that to plead with them to lower my monthly payment or work with me in some other way. They are extremely rude and refuse to compromise on their usurious policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.
Product: Mortgage

TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why this company putting this on my credit report. I have never been delinquent on my payments with any of this people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these Items.
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA 1605b, this company is required by Federal law to block within four days, all accounts listed in an FTC Identity theft affidavit, to which Ive also had notarized. This company was mailed in proof of my identity along with the other required documentation for them to proceed with my request. They have failed to adhere to the law concerning this matter as it still reflects on my alleged consumer credit report file.
Product: Debt collection

This debt was reassign to a Third party debt collector who is currently trying to attempt a debt that they werent the original creditor of. Also these two companies have committed identity theft because they are sending and receiving my information without my consent, or me knowing which is illegal. My rights are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agency LexisNexis has infringed my right to privacy and has violated many federal laws. LexisNexis has violated my rights to privacy and consent. by furnishing my public information without notifying me or having my written consent. the law Cleary states i have a right to privacy. in response LexisNexis told me that this law doesn't apply to them and and they can furnish my information without my written consent. LexisNexis also reply to me saying they are not a Fianacial institute. they only validate information. LexisNexis never gave me the right Wich is required by law to dispute any negative information that's being furnished to my consumer profile. im currently working with my states attorney office to hold this company accountable for breaking federal laws and for disregard to consumer rights. my states attorney office still has yet to receive response from LexisNexis for violating my rights. Wich, we have more than enough evidence to hold this company accountable. in federal court. as a result of XXXX  violating my rights. i was discriminated against and denied my right to extend credit. i also suffered emotional as well as financial hardship. there for LexisNexis is liable according to 15 usc1681o. other vioaltions 15 usc 1692a ( z ) - 1681 ( a ) ( 4 ) 15 usc 1602 ( k ) 15 uisc 1692j ( a ) 15 usc 1692a ( z )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. XXXX XXXX, AXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX 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. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX XXXX Account # 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: Bank account or service

I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a victim of identity theft, I believe these accounts were opened without my consent or knowledge.