23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text and a call that I had 24 hours to respond to the phone call about my account ( very vague did not mention account name or type ) and left a number for me to call. 

I returned the phone call and it was third party called MAC XXXX XXXX  XXXX XXXX I called and let them know that the debt was included and discharged through Bankruptcy. The representative said that he didn't care, this wasn't about bankruptcy, this was about me writing bad check and that if I didn't pay they were going to prosecute me for writing a bad check. He then went on and told me I had 7 years to pay this debt and that if it wasn't paid in the next 24 hours he would file a complaint with the county court. 

After explaining to him that i was no longer liable for this debt because it was included and discharged through my Bankruptcy. He stated " I don't care, you need to learn how to pay your bills. '' and then hung up on me. 

I called back to try and explain the situation and every representative taunted and stated " pay your bills!! '' and proceeded to hang up. 

I keep receiving text and automated robotic phone calls stating I have 24 hours to resolve this issue and leaves the same number for me to call.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142. ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX fo of Debt Bondage and would like for all listed account to be block and deleted from Transunion.Please delete the following accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquires are unauthorized - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am requesting you review your data on file for me and make sure it is accurate according to the Fair Credit Reporting Act and Metro 2 compliance standards. I am challenging any inaccuracies in my credit report and requesting that they be corrected immediately. I also require that any inquiries within my credit profile have a permissible purpose and be accurately sourced.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information for Experian NAME : XXXX XXXX XXXX XXXX - My name is XXXX XXXX and if you have any listings with differently spelled names, please delete XXXX XXXX so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX The only reside at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting

Filed a dispute on with credit agency Transunion for credit negative remarks in which took longer than 30 days to resolved. In addition, requested removal of negative remarks in which was not resolved within the time window. 

Disputed XXXX XXXX XXXX XXXX : 1. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
2. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit card or prepaid card

This card was open up in my name has fraud I did not open up this card
Product: Checking or savings account

XX/XX/20, I tried reaching out to Albert to retrieve ~ $ XXXX in savings to be transferred back to the account that had initially transferred them to Albert. These funds are time sensitive for a home purchase. Albert does not share their transfer limits prior to attempting a transfer, or the amount that I've previously transferred, but are preventing me from making the transfer for being above that limit. Albert does not have a phone support, only text, and have stopped responding to my inquiries. I've requested repeatedly for Albert to close my account immediately with no response.
Product: Checking or savings account

I updated my address for my business bank account last week on XX/XX/2024. I then sent NFCU a message through my online banking portal to request a bank statement that shows my correct updated address. I need this document to update my business address and SAM.gov in order to fully registered my small business as a government contractor. However, no one responded to my message so I ended up calling NFCU this week Monday on XX/XX/2024, and was transferred to 3 different departments. I had to explained why I need this updated bank statement several time which is ridiculous. After I was transferred to the 3rd department, I then was told that the interim bank statement request will be submitted, and that I will receive the new bank statement with the correct address. I was then told to check for the statement between XXXX to XXXX which it should be available by that time. When I checked my online bank account the next day on XX/XX/2024. The bank statement was there but it did not have the correct address that was updated on my account, which was the reason for the request. So I had to call again on XX/XX/2024 to find out why the statement was not processed correctly to request a new correct statement but they are now refusing to provide me with a correct bank statement. And the bank verfication letter is not accepable for the GSA that processes entity registrations for SAM.gov This credit union is now causing an issue with my business registration because of their bank error. They are hiding behind there policy when techncially they can sent a ticket to their IT department to manually generate the bank statement. And my business should not have to pay for their mistake. I also provided the message they sent to me which pretty much states that they can only generate 1 interim statement cycle. However, that 1 interim was incorrect due to their bank error. Therefore, they should correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap
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 Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.
Product: Debt collection

The debt was written off and closed however Westlake financial is still reporting it saying there is a balance of XXXX. This was closed on XX/XX/XXXX but as of XX/XX/XXXX they are still reporting it.
Product: Money transfer, virtual currency, or money service

I transferred US {$500.00} to etoro on XX/XX/2021 via ACh transfer but the money never arrived at my account with etoro. 
I tried to contact etoro costume service ( which was very slow ) and after providing the documents they needed I received an email on XX/XX/2021 that it was forwarded to the payment team for review. However, today, XX/XX/2021 I received an email saying that my case with etoro had been marked as solved but the funds are not available on my etoro account or were sent back to my bank account. 
It's been 3 weeks since I sent the money and tried to contact etoro but I keep hitting a wall and not able to get a clear understanding of what is going on and what should I expect, and as mentioned, to make things worse they marked my case as solved. 

I also tried to post on their message board while tagging costumer support but again no response as of the time of writing this complaint. 

Please see attached correspondence with etoro costumer service regarding the case I will appreciate any help in resolving this matter. 
Thank you in advance, XXXX XXXX
Product: Checking or savings account

I opened a banking account with WellsFargo sometime in XXXX when I was in college. A few years later I went into a WellsFargo branch and closed the College Checking account and moved to a different bank. I received a letter on XX/XX/XXXX dated XX/XX/XXXX from WellsFargo alerting me that I will be charged monthly fees for an account not maintaining a balance of {$500.00} or a {$25.00} dollar qualifying direct deposits. This is for an account that was closed years ago. In the time from XXXX until now I have never received any correspondence concerning this account that was presumably closed after I physically went into a Wellsfargo branch and closed the account. Why am I receiving a letter over ten years after closing the account? There appears to be a balance of {$3.00}. I do not bank with wellsfargo and never intend to in the future.
Product: Debt collection

Did not receive notification from the hospital, or company regarding the debt. The total amount is {$650.00} and the dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The letter never reached my residence whether it was lost in the mail or never sent I do not know. I contacted the collections company because I saw them on my credit report. On my credit report it states the debt is only {$110.00}. Upon calling the company I found out the total was {$650.00}.
Product: Credit card or prepaid card

total visa refuses to close my account at my request. I reported the card stolen XX/XX/2022. Fraudulent charges were made on my card in the amount XXXX a dispute was made and an investigation. total visa credited my account XXXX and indicated they would mail a check after I requested they close the account after their inability to show proof of me making purchases by providing copies of my signature on these transactions and sending me a replacement card after two separate requests. Total visa card has refused to close my account. refused to mail me the refund they indicated they would and that is an incorrect amount. Total visa has continued to charge me a statement fee/monthly fee in the amount of XXXX
Product: Mortgage

I'm asking my loan servicer for affordable loan mod. They do not providing me with the full payment history on my account. I need to know how do they came up with the dollar amount to give me a new loan mod.
Product: Debt collection

This collections agency appeared on my credit report with me having no knowledge of them at all. I have never been contacted by this agency nor have I gotten any mail regarding this. After reviewing this collections agency on the XXXX  website via the reviews left, they are known to be fraudulent and very much a scam. This has impacted my credit score significantly and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights XXXX 

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 was a victim of identity theft and noticed a collection from CAVALRY PORTFOLIO SVCS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CAVALRY PORTFOLIO SVCS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

A year ago a Jefferson Capital Systems , LLC contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company XXXX, XXXX contacted me about the same debt owed. The original company Jefferson Capital lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by XXXX XXXX is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation XXXX and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the credit union I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
Product: Checking or savings account

On XX/XX/2021 I received a text alert from Bank of America stating that our mobile app password had been changed. Neither myself or my husband changed it. I called BOA immediately and while on the phone with them someone managed to hack into our account, change the password twice and make 2 transfers totaling XXXX to a XXXX account and our money was stolen and transferred to a bank in XXXX Florida. BOA told us they would investigate it and have a decision within 10 business days. We then contacted our local sheriffs department on XX/XX/2021 and had an officer dispatched to us immediately. He took all the information we had and opened an investigation. After 10 business days I then contacted boa and was told our claim was denied because it looked like we approved of the transfer. I explained to them that there was no way we couldve done that when it happened while I was on the phone with them. I was also told when I initially called that when the person hacked into our account they changed the alert settings for everything to go to their phone and not mine. It didnt matter to them. So then a fraud detective through the XXXX county sheriffs department contacted us to let us know that they sent a search warrant to XXXX and he would update us once that came through. I also reached out to the better business bureau and a few days latter received a phone call from BOA stating that they were going to reopen the investigation. We also got a phone call from detective XXXX and found out the name of the person who stole our money lived in XXXX. I called BOA to update them and havent heard anything since. Its been about 3 weeks and Ive called multiple times to get updates and they wont call us back. Its been over 90 days since our money was stolen and BOA has done nothing to protect us. They not only let the person hack into our account once but twice, change our password twice and steal money twice and they did nothing to stop it and are refusing to make it right even though they know its fraud. They talked to detective XXXX after he got the search warrant back. We also contacted the XXXX police department and they are opening their own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion, XXXX and XXXX about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.