23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was n't sure how to code this with the choices beforehand, so forgive me if I chose the incorrect options. I was contacted by Eastern Revenue alleging I owe about {$2800.00} for a Perkins Loan from XXXX University. I had consolidated loans a while back and thought this was put into that. The caller, XXXX, and his supervisor, I think his name was XXXX, INSIST they can consolidate this in for me but only if I give them my login information to studentloan.gov, where you can consolidate or defer, etc .... I refuse to hand over my personal access to my student loans online like that. I am capable of calling to verify if I indeed need to consolidate this one as well or make some arrangements if it indeed is owed. I told them I would handle it and I would not be handing over my personal access to my online student loan information. They both got snippy with me and said that it 's my problem if I want them to just collect more interest and they are the only ones that can help me. The supervisor was very condescending and near threatening that I 'll just pay more money to him because I wo n't allow them the access. I called the student loan servicer and they agreed to NEVER hand over the personal access, which I knew and had not done. They also advised to tell them to not call me and said all my loans are consolidated as far as they can see. I left a message with XXXX to NEVER call me or anyone about me again ; I would handle verifying my info and making any necessary arrangements if needed. I am reporting them because they called me at numerous places, including my job, and did not verify who they spoke to when I answered at my job. They also insisted that I MUST allow them to have a code sent to me and hand over the code allowing them to unlock my online student loan information. They are unethical and scammy. I felt very uncomfortable. As of now, I have told them to never call me again or about me again. Today is XX/XX/XXXX 2017.
Product: Debt collection

The insurance have the wrong provider number from the hospital. After multiple calls to the billing department ans my insurance the finally paid it on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Vehicle loan or lease

Correction to complaint # XXXX Filed XXXX in XXXX. Right soon afterwards, I received a mailing from this company, in XXXX XXXX, regarding financing a vehicle post XXXX XXXX. I contacted company by telephone, and requested to be removed from thier mailing list. XXXX, XXXX, I received another letter, to whick I returned to sender. XXXX, XXXX, I received another mailing, to which I photographed the letter, and returned to sender. On the letter, I wrote " Refused and documented '', as well as " Do not call ''. which translates to please stop mailing me.
Product: Credit card

Violation of 15US Code 1692e. 
This is another formal complaint to XXXX, Equifax and XXXX that XXXX Bank is reporting inaccurate and incomplete and misleading information. Also, you are violating 15 U.S. Code 1692e - False or misleading representations federal law 1692 ( e ) ( 8 ). FCRA violation : Law 1692 ( e ) ( 8 ) Communicating any persons credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Failing to report an account disputed by the consumer as " disputed '' to the credit reporting agencies is a violation. I submitted a dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card Account # XXXX and XXXX Card Account # XXXX. The date of the last reported update was XX/XX/XXXX. I submitted another dispute with XXXX, XXXX and Equifax on XX/XX/XXXX on XXXX Card # XXXX and XXXX Card # XXXX. The date of the last reported update was XXXX/XXXX/XXXX. The deadline for adding consumer comments has passed for date of submission as per federal law. As of todays report, no comment of consumers dispute is notated on credit report as this is a violation. No feedback has been provided regarding the investigation. Attached you will find results completed by Equifax confirmation # XXXX, Equifax confirmation XXXX and XXXX and XXXX credit reports, as no remarks/comments written that consumer is disputing these accounts. Please be sure to review EQUIFAX CREDIT FILES # XXXX AND XXXX XXXX creditor reported updates were made but they did not reflect in the report. No investigation was completed at either request.
Product: Debt collection

Transworld System Inc is improperly reporting a collection account for original creditor : Arizona Public Service. This account was paid directly through APS and they send a deletion letter. Transworld System Inc is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of APS which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as Transworld Systems is reporting incorrect information.
Product: Debt collection

In XX/XX/year>, I purchased jeans from XXXX. I paid bill on time, but they send me bills for late fees, continuing interest that I do not owe!
Product: Credit reporting or other personal consumer reports

I reviewed my report and there are XXXX XXXX accounts that I have never authorized, I do not recognize them. Additionally, there is another account marked as negative that also does not belong to me. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : XXXXName : XXXX Account Number : XXXX Balance : {$1100.00} Date Opened : XX/XX/year>, XXXXName : XXXX Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/year>, XXXXName : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/year>
Product: Debt collection

For about 2 months, I have received several hangups per day. If I call back, I get Halstead Financial Services regarding an 8 year old XXXX XXXX account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by Halstead Financial.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I received an offer the app XXXX ( a digital asset price tracker ) with an offer for a {$50.00} signup bonus for signing up for eToro, an online social investment service, via the app. After signing up and meeting the offer conditions ( including filling a XXXX Form with my XXXX app/user ID ), I did not receive the {$50.00} bonus as promised. I exchanged several emails with eToro support between XX/XX/XXXX and XX/XX/XXXX, providing screenshots of the offer and asserting that I followed the requirements, but they did not honor the promise. They claimed that I had signed up through " another marketing channel ''. I escalated the support issue to the top level, i.e. head of US marketing. 

My boyfriend also completed the offer, but had to manually ask support for his {$50.00} to be added. I believe it's possible eToro is trying to avoid paying what is owed by their promotion terms on a larger scale.
Product: Credit reporting or other personal consumer reports

I am a service member and was victim of identity theft which hindered me from making my XXXX mortgage payment on time. I have explained my situation to the Truist bank, filed a police report and even sent it to the bank and they are still refusing to remove the negative mark on my credit report. I also sent the fraud documentation from my bank and made a few claims, but Truist is still refusing to coorporate. I may be deploying soon and attempting to make a big purchase, but this incident is affecting me doing so. 

Mortgage XXXX
Product: Credit reporting or other personal consumer reports

The account was opened on XX/XX/2020, but i didn't know it was opened until a couple of months ago. I tried to dispute the account for identity theft, but the company denied the dispute. I'm not sure why, but this is one of many accounts I've had to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Mortgage

I started the process in purchasing a home in XX/XX/XXXX. The original close date was XX/XX/XXXX. The closed date has been pushed back from the XXXX of XXXX to the XXXX of XXXX from the XXXX to the XXXX of XXXX to the XXXX of XXXX and now close date has been pushed from the XXXX to the XXXX of XXXX. The initial closed date was moved due to the appraisal not being done. The appraisal was not completed until XXXX of XXXX. Each time I have to reach out to my loan officer I am given a different excuse or cause for delay. I have spoken to other mortgage companies they all have stated the same that the process should have not been this delayed. The only way I any status about the process I must initiate the request ; even when they need documentation form me. On XX/XX/XXXX My credit was pulled and rather then the company reach out with their questions I was notified on XXXX, XXXX XXXX about the issues they wanted to address. XXXX  XX/XX/XXXX, I had to send an email out to inquire about the status and was advised by a different loan officer that the documents were being prepared and should have been completed at the EOB XXXX. As on XXXX  XX/XX/XXXX I have not received a response and on the final process to close on the property. They are delaying the closure on the property and all I am getting are more and more excuses.
Product: Money transfer, virtual currency, or money service

my trust fund that I have with Wells Fargo got moved from XXXX XXXX XXXX XXXX XXXX soon there after the XXXX XXXX XXXX sold all my blue chip stocks of and left me with a huge capitol gains taves! I have tried to resolve with weellsfargo XXXX XXXX and they won't answer my calls any more. My quarterly statement from XX/XX/XXXX shows a balance of {$940000.00} to XX/XX/XXXX is {$890000.00} and they have not only charged me {$700.00} a month but they have not given me enough money to pay my rent for XXXX monthes out of the last XXXX monthes!!!!! My Name is XXXX XXXX XXXX ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX. PLEASE CONTACT ME BEFORE I END UP HOMELESS AND BROKE OR BROKER THAN I CURRENTLY AM.
Product: Vehicle loan or lease

Collins Asset Group claims I owe them $XXXX for a car loan from XXXX XXXX  XXXX. The account number is XXXX. I don’t know anything of this account. I disputed this account on XX/XX/2019 as a fraudulent account and Collins Asset Group sent me a fraud contract with false addresses and fraud drivers licenses, and other fraud documents that I’ve never seen before.
Product: Credit card or prepaid card

XX/XX/2021 I reported 3 times that there was fraudulent activity on my XXXX XXXX XXXX. I was hung up on several times ( many customer service providers are not in the XXXX, I had trouble with accent and they couldnt understand what I was trying to relay to them ) I had to be transferred 5 times each call, each dept stating I needed to speak to another dept. The online " send us a message '' is not working and hasnt been working since early XXXX. 
Most charges were removed, but the interest was not adjusted and XXXX XXXX XXXX Bank notified my credit bureaus I was over limit etc.. It was told to me via phone this was all going to take a couple weeks. I can not reach anyone who can help, I cant even send an email or other electronic form of message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the companies thats on my credit report and they was given me the runaround and not given me actual information about my credit. I told them some of them I dont even have knowledge of at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX OK OK XXXX OK OK 30 OK OK XXXX OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

I applied for a loan with Bank of America XXXX to refinance my home. The XXXX application was denied on the phone because my credit score was not high enough. I asked for a letter stating that I was denied and never received it. As 3 weeks went I was finally able to get a name of a supervisor via online chat. I called him and I was told the loan never went to underwriting, therefore they were unable to generate a letter. I was told the I had to do XXXX application so I applied for a loan again on XXXX/XXXX/2016 with Bank of America and the same thing happened again. Two months later and I have not made any progress towards receiving a letter saying, '' Our bank can not help you ''. My house is going into FORECLOSURE because I ca n't get an official letter from the bank saying the loan was denied. Why am I being treated unfairly? Is this how Bank of America is allowed to operate? Is there a different set of rules that they can choose to use since they are such a huge company. I understand that being denied the loan would not make the bank any money, but can I simply get a denial letter so that I can move on and get an extension on my 2nd mortgage that has matured. PLEASE, CAN SOMEONE HELP ME SAVE MY PROPERTY!
Product: Credit card

I disputed a charge with a merchant that sold me counterfeit and defective goods. Chase instructed me to contact XXXX to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted XXXX and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. That was explicitly what I was told via online communication with a XXXX representative. I even reported it to their counterfeit department per XXXX 's instructions. It makes no sense that Chase would side with the merchant when both XXXX and I am saying that the product is not real AND is defective. Throughout all of this, the merchant has not responded to requests for refund.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account holding {$20000.00} in XXXX and XXXX of XXXX. While trying to make an additional purchase of XXXX with a bank account linked to the coinbase account I accidentally overdrew my bank account. Giving an insufficient funds notice for {$1500.00}. When I tried to use the buy sell feature on my coinbase account on XX/XX/XXXX. It said I needed to cover the {$1500.00} from my attempted purchase of bitcoin that had insufficient funds in my bank account. 

I completed payment of that {$1500.00} from my USD wallet on coinbase. It said thank you for payment and showed that I owed {$0.00} Assuming that I had now unlocked use of my account and access to my funds I was surprised to see that I got a message saying Payment required. 

When I click on that message it says that I owe {$0.00}. 

I contacted coinable customer support by phone on XX/XX/XXXX and they said my case would have to be looked at by a specialist. They gave me absolutely no timeline of how long this could take for me to have access to my funds. After speaking with phone support i was sent this email : Hi -- -, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 


I called customer support the next day and was met with basically the same answer that they have no idea how long it could take for me to have rightful access to my funds.
Product: Debt collection

Saw it on credit report i have been a victim of natural disaster on very liw income
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX WALMART KOHLS AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND XXXX XXXX  I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post