23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was buying XXXX XXXX XXXX tickets the guy said he has a XXXX account I sent him XXXX transactions {$250.00} each total of {$500.00}. First XXXX was XX/XX/22 at XXXX for {$250.00} the other was XX/XX/22 at XXXX he never sent me the tickets. I called my bank and filed a report but they said the money left the account and they couldnt get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to XXXX loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being sick over 2 1/2 years and tried to work with XXXX to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and XXXX puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with XXXX that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.
Product: Checking or savings account

Hello, today I recevied a suspicious debit card from a mailer claiming to be Bank of America with advice to call a number to activate the card. 

I do not have any bank of america accounts or loans. I tried contacting both a boa a branch and fraud number. I can not get assistance as the demand my ssn or account number. I am not giving them my ssn as that is the same information the fraudsters require. Without a ssn or account number, I can not speak to a human being at boa. I can not get by the recording!! 

Help please!!
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :
Product: Credit card or prepaid card

In my last statement from Citi Bank dated XX/XX/XXXX, Citi Bank states that the conditional credit of {$2400.00} applied to my account was reversed since it was DETERMINED TO BE A VALID CHARGE. It is NOT a valid charge but instead is fraud on the part of the merchant. 
On XX/XX/XXXX, I authorized a charge to my Citi Bank Credit Card ( ending in XXXX ) of {$2400.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Citi Bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citi Bank stating that they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, Citi Bank advised me that they had contacted the merchant. On XX/XX/XXXX, Citi Bank provided me with a copy of the merchants response, advised me that they had closed their investigation based on the information available, and reversed the credit previously given to me. They also said that I could continue my dispute by responding to the merchant 's documentation. I provided a detailed response to Citi Bank which is included here as a series of attachments. These attachments detail the facts that in an attempt to justify the credit card charges, the merchant fabricated documents, one of which includes a forgery of my signature and includes a hotel ( where the merchant claimed that I stayed ) that does not exist nor does the stated address for this hotel exist. The merchant has continued to lie about the true nature of the credit card charges, which the merchant claimed were for timeshare sales capital gains taxes. The attachments contain proof provided by me to Citi Bank that the merchants documents are fraudulent. 
All of the documents that I attached here have been provided to Citi Bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a phone call from XXXX XXXX XXXX XXXX in XX/XX/2019 regarding an outstanding debt in the amount of {$1200.00} for medical services that I received a couple of years ago. They asked if I would be able to pay the outstanding balance and I said that I would not so they proceeded to negotiate an amount of 50 % of the total debt that I agreed to pay. They said that the {$640.00} would take care of the total debt that was owed and they would provide a document stating this as soon as it was paid. I mentioned that I would be able to make an initial payment of {$200.00} and pay the balance in early XX/XX/2019. They agreed to this arrangement and I went ahead and made the first payment of {$200.00} on XX/XX/2019. I received the second phone call from them XX/XX/2019 for the request of the final payment of {$440.00}, I requested my payoff notice prior to paying and the representative said that it would be provided as soon as the final payment was made. Therefore I went ahead and provided the representative with my debit card information for the payment of {$440.00}. He processed the payment and I asked for the payoff notice and he stated that one would be emailed to me in 10 days. I said ok and he provided me with a paid receipt. I received another call from them on XX/XX/2019 @ XXXX XXXX  requesting another payment of {$60.00} something dollars which I promptly mentioned to the same representative that I had thought that the whole debt was paid for already and he said that it was not so I said that I would not be paying that amount and would take care of this situation.
Product: Credit reporting

On XXXX, XXXX I discovered that incorrect credit Information was reported to Equifax by XXXX XXXX XXXX The information indicated I failed to pay part of a bill and, or missed a payment in XXXX or XXXX in the amount of $ XXXX.The bill is listed as a collection write off on the report. XXXX XXXX was not my provider of telephone service during the time frame that the unpaid bill was from. 
I contacted XXXX XXXX about this, and they said the bill was from when XXXX was my provider of service. I contacted XXXX, and the representative said my account was always in good standing with XXXX and I did not owe them any money. 
Again, I contacted XXXX, and this time they said that the bill was from XXXX, and they will not remove the incorrect information from my credit report. 
On XXXX, XXXX my Equifax credit report was changed to indicate the unpaid bill was from XXXX instead of XXXX or XXXX. I contacted XXXX, and asked for a copy of the bill, I received the attached documents via e-mail. 
I contacted XXXX again and asked for a copy of the bill to be mailed to me. The bill they sent is not like a standard bill that I normally receive. The bill they mailed appears to be a typed up word document like the copy sent to me via e-mail. 
I suspect that my issue has arisen due to problems I had in the past with their telephone service. There were frequent occasions when my telephone would not work for days, and even weeks at a time. I can only speculate that I may have lost my temper while on the phone with a female supervisor who is now seeking vengeance. 
I filed a complaint with Equifax , and Equifax only said that the person in question is me. 
I will be most grateful for any assistance you may offer in getting this untrue information off of my credit report. 
Thanks Again, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Student loan

When my loans were transferred from XXXX to Mohela the history of my past payments were not transferred. I am on the Income Based Repayment Plan, and I need all of the past payments I have made to count so that I can eventually reach the total amount of qualifying payments. A photo of the limited payment history that Mohela is showing is attached.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. Please see the attached file. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent XXXX, Equifax and XXXX a FTC report with all of my documentation
Product: Debt collection

I have received at least 2 phone calls a day for the last 2 months from different numbers saying I owe a debt to XXXX ( that I am not sure I owe ), when I or my husband ask who is calling I get no response, I asked them to send me a letter verifying who they are and have not received any letters. They very rarely leave voice messages but threaten my credit and legal action when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SEVERAL LETTERS AND I HAVE SENT MY DRIVERS LICENSE INDICATING MY CORRECT ADDRESS AND NAME IT STILL APPEARS INACCURATE ON ALL THREE BUREAUS.
Product: Payday loan, title loan, personal loan, or advance loan

I have an outstanding balance with Sun Loan Company and yes I know it is a debt to be paid. It is hard to deal with these companies because even if you call to explain what is going on they do not always want to work with the client. I had a big cut in pay with the changing of employment so I got behind on bills. I handle my own bills ; pay my own bills. This company is now calling family members which I did not list on my contact list at all. I want this company to stop harrassing my family members and me about this debt. This debt has already been listed as a charge-off. The number that has been calling is listed as XXXX. Please help anyway possible to keep this company or the company that purchased my debt harrassing anyone either than myself. They said they would be contacting all people listed on my profile. What does that even mean? My profile from where online? This is embarrassing and I believe illegal for a debt collector to be even doing. Thank you.
Product: Debt collection

Wells Fargo secure card {$1200.00} charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am expecting that this will be repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My father passed away in XXXX. He had an auto lease agreement with Ally Financial. We contacted Ally Financial to notify them of his death and get their guidance on what options we have to proceed. In conversations with Ally, they advised us to return the vehicle to the auto dealership. We asked about any financial liability to my father 's estate if we returned the vehicle. Ally advised us that we should not expect any financial liability upon return of the vehicle. They stated that they would sell the vehicle at auction. We expressed concern that they would not attempt to get fair market value and pass the cost on to us. They assured us that this would not occur and not to expect any further expense. With this understanding, we returned the vehicle as instructed. Less than a week after returning the vehicle, Ally send us a notice requesting payment of {$4900.00} having auctioned the vehicle in a closed auction to their business partner at a heavy discounted price. Less than a week after that they had already referred the matter to a collection agency ( XXXX XXXX XXXX ) who is attempting to collect this as a debt of my father 's estate. We do no think this debt is the responsibility of my father 's estate, since we did as they instructed and Ally provided mis information to us in the process before Ally made a poor business transaction upon which they had on interest in gaining good value. Their instructions and information precluded us from taking other options, such as transfering or continuing the lease that would have been more financially vialbe. We contacted Ally about this and they agreed that they should not have told us not to expect expense and that we were provided with bad information by Ally 's own customre service professionals. However, Ally told me that they sold the debt to XXXX XXXX ( a collection agency ) and now we have to deal with a collection agency moving forward. We think this is unfair to have been mislead by Ally, who immediately assigned their loss to my father 's estate without any agreement or dicussion and then proceeded to sell that debt to a collection agency before making any attempt to settle the matter with my father 's estate. Ally also confirmed that if they had sold the vehicle for a profit they would NOT have provided my father 's estate with the proceeds. Instead, they sell the vehicle and keep the profit if there is XXXX or attempt to pass the loss along to customers in a transcation that is not conducted in a fair manner attempting to get market value, but is rather under an agreement with their business partner ( auto dealership ) whom they have additional business arrangements. Then immediatley sell the debt ( missasigned to the estate ) to a collection agency to begin harrasing people. If there is to be a fee or penalty on the return of the leased vehicle, Ally should have made it clear what that is likely to be. Instead, they told us to return the vehicle and not expect any further expense despite our raising the concern of having any further expense before we return the vehicle.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to NATIONSTAR/MR COOPER for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Had XXXX lease with XXXX XXXX  for XXXX  months, hade to extend lease another XXXX  months and paid even though the XXXX cars were not working properly because of a safety recall that they had not fixed for, I also couldnt drive the cars because the insurance company canceled me because of the safety recall.

All this time from the beginning of lease the XXXX  accounts were on AUTO PAY. 

They further put XXXX late payments on the XXXX accounts and ruin my credit. 

I have been calling them about the problems and they do nothing but hang the phone up on me. 

I am in the process of getting legal help to get all the phone call recordings I made because thats what they told me I have to do. 

I am also seeking reimbursements for the unnecessary payment I made when car was not working and they refused to give me a loaner car.
Product: Debt collection

Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.
Product: Debt collection

I received a withdrawal letter dated XX/XX/2019 from the law firm of McCalla, Raymer, Leibert, Pierce, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to XXXX XXXX XXXX  on XX/XX/2019. After that date, I received a letter from McCallas employer, XXXX XXXX stating their attorneys wanted {$1900.00} more. I called & emailed the McCalla firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed XXXX XXXX many times regarding the fees. XXXX will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want McCalla to show me in writing what the charges are for & the dates when all these extra charges occurred. XXXX XXXX contact is XXXX XXXX. Tel # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. McCalla law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.
Product: Debt collection

Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAXIWOKEUPTUESDAY, AND PULL MY CREDIT REPORTJUST TOCHECK MY XXXX THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX CONSERVE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX