23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had the previous report ( XXXX ) with CFPB on XX/XX/2020 from a debt collector agency named XXXX, they claimed that I owe XXXX $ XXXX dollars which is not true. I have multiple phone recordings while speaking with XXXX and they have confirmed is their mistake. since the report XXXX has ceased collection with their office. I now started to received another Debt collector agency name Diversified adjustment service sending me letter saying that I still owe XXXX {$400.00}. like i stated on my first report my XXXX service was canceled under 30 days customer stratification warranty! I am very tired getting harassed by one debt collector after another, I will be filing my case with court after this report being done, these fraudulent action should not be tolerated in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also attached copies of the XXXX XXXX XXXX XXXX Identity Theft XXXX. Please remove these items as soon as possible.
Product: Checking or savings account

On XX/XX/2024 I was scammed for {$19000.00}. I reached out to XXXX on the phone only to find later that this indeed was not XXXX. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses XXXX. But the money should have never left my bank. Even with advanced technology that the scammers indeed did have, The bank is required to have risk assessment technology to prevent these type of activities. I have banked with them for years, this activity was beyond abnormal for me. Not to mention the transactions were denied ( recognized as possible fraudulent ) and I never approved them and yet were approved later on. I learned this information once filing my claim at my bank. The bank is responsible for protecting my money. It failed to do so. The financial institution I am referring to is Navy Federal Credit Union.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hacking account... account overdraft and I don't understand it...
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with XXXX they are committing fraud and breaking consumer laws. And with XXXX having one of the largest Identity breaches, im not surprised. I am a victim of that breach. Experian is following suit stating that the disputed information is verified however, according to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL Experian, XXXX and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with XXXX and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of XXXX 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.
Product: Checking or savings account

Robinhood answered late to a previous complaint that I had made with the CFPB.
Product: Checking or savings account

This is a follow up complaint to previous complaint XXXX submitted to the CFPB on XX/XX/XXXX, because today I incurred damages including a fee and service disruption, as well as having to use costly phone data to log in, and time lost due to phone calls to XXXX to find out why, all as a result of Capital One 's fraudulent XXXX online bill payment service. 

Spectrum did not receive my XX/XX/XXXX payment from XXXX until XX/XX/XXXX, and I had to pay that by debit card on XX/XX/XXXX to avoid a late fee, but XXXX had already taken the funds out of my account for the improperly issued payment. 

CapitalOne reimbursed me within 10 days for having to pay this bill TWICE due to bill payment failure to issue the payment correctly or on time. 

But today XX/XX/XXXX, my cable was disconnected because XXXX assessed a {$25.00} fee to be paid for stop payment of the duplicate funds. 

CapitalOne and/or XXXX have committed false, misleading, or deceptive acts or practices including, but is not limited to, the following acts : ( 1 ) passing off goods or services as those of another ; ( 2 ) causing confusion or misunderstanding as to the source, sponsorship, approval, or certification of goods or services ; ( 3 ) causing confusion or misunderstanding as to affiliation, connection, or association with, or certification by, another ; ( 5 ) representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities which they do not have or that a person has a sponsorship, approval, status, affiliation, or connection which the person does not; and ( 7 ) representing that goods or services are of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased ( financed ) a water filtration system through Time Investment Company , Inc. for our home. There was various issues and I disputed the debt. I ended up filing a lawsuit against Time Investment Company , Inc. and XXXX XXXX XXXX which was sent to arbitration ( still pending ). I was being harassed by Time Investment Company, Inc with their non-stop phone calls and emails. I eventually sent them a seize and desist order to cease all communication certified return receipt and it was received and signed by XXXX XXXX on XX/XX/18. They violated my seize and desist order, this is a violation of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act ( federal statutes ). Please look into this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests to update my address information on XX/XX/2018 and XX/XX/2018 as follows : The only addresses that relate to my past 7 years of residence is : 1. XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Also the name listed with the middle initial " XXXX   '' as XXXX XXXX XXXX. My middle initial is " XXXX '' and I have provided State and Government ID to prove this information, but it continues to appear on my credit report ( s ).
Product: Credit card or prepaid card

Have an AMX card for over 32 years. Always pay on time and in full. Paid a date late XX/XX/XXXX XXXX bill due XX/XX/XXXX was charged a late fee of {$29.00} plus {$8.00} in interest for this. Was informed that they couldnt change or correct because it was a system thing. Some restitution was discussed but morally I believe that AMX in this time of the virus and financial struggling times should not try to rip off its customers, especially those with my good standing and years of commitment. Would like to know if customers have no protection against this, especially in times of COVID-19 and the present financial conditions?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX XXXX, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the XXXX. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been XXXX  aconsecuence of natural desastre XXXX XXXX illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX  credit card. Made a payment in XX/XX/XXXX for XXXX. They never showed this on my report. Filed a dispute with equifax. Never resolved. Paid account in full on XX/XX/2020. Never showed on report. Filed another dispute. Still reporting I am behind on my payments and have not made payments. Just checked on today XX/XX/2020. What can I do to get this matter resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are a result of Id theft and I notified transunion and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX  XXXX  3. XXXX  4. XXXX XXXX XXXX 5. XXXX/XXXX  6. XXXX/XXXX  7. XXXX
Product: Debt collection

A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.
Product: Checking or savings account

My wife, XXXX, set up a new bank account with XXXX XXXX on XXXX XXXX 2022 and wished to fund it. I linked this Discover account to it to fund it, and then authorized several {$2000.00} transactions to fund it. However, I or my wife never authorized a {$10000.00} transfer to the XXXX account. Shortly thereafter, on XX/XX/2022 a transfer for {$10000.00} was initiated from somewhere with my wife 's name, with the directions that it was to come from the Discover accounting ending in XXXX. I thought it might have been XXXX, so I looked at that account to see if any {$10000.00} transfers had been initiated with them. None had been, ever. Not just for XXXX XXXX -- there has never been a {$10000.00} transfer either requested or received. To confirm that there hadn't been a problem with their system, I requested a trace number from you and provided it to them. After checking their system, they confirmed that they had no record of that trace number ( XXXX ). I also confirmed with the other banks where my wife has an account that they had no record of a {$10000.00} transfer or that trace number, and they confirmed that they had no record of it. 

In short, Discover transferred money to a third party without my consent, and has no meaningful record of who they transferred it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$10000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in XXXX nj rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay. 
XXXX whoever this person is his phone is still ringing and he is still answering the calls and probably is scamming more people. XXXX is his number. Do people really think that someone would say they was scammed just to say it. Not me I have attempted numerous times and I am not giving up at all until justice is served. And I have texts to even prove back and forth talking with this stranger. Scam artist
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened a account with Bank of America for my mother because there was fraud done at moms XXXX XXXX by a XXXX XXXX The account was opened XX/XX/XXXX. Bank of America flagged the account because of the fraud and froze the account. They said they had to investigate and therefore would close the account and at the end of the month they would issue a check with the funds 10 days after the account was closed. We are now XX/XX/XXXX and still no check. I called again and was told yet again it would be closed the end of XXXX then have to wait another 10 days. I have called several times and keep getting told it will be the end of the month and check will be mailed. The has been several months now. When I ask why they say that's all the information they have. I go into the bank and they tell me to call the XXXX XXXX  No help at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency states the credit card company certify the information is correct they sent to them to report. We did not receive the certified letter with a wet ink signature to whom made such claim that the information they have is accurate. 
Date of event : XX/XX/2017 Amount : {$520.00}