23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX
Product: Bank account or service

I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Central Financial Control.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account shows open and past due when it being reported under fraudulent circumstances, closed my account with company in XXXX. The account didnt show on my credit report for over 4 years then showed up my credit report in XX/XX/XXXX with missed payments back dated with a large amount due which are both fictitious. Been trying to get it removed for months from my credit reports. XXXX has not responded to myself or the attorney after several attempts via phone, email and mailed letters. Also submitted disputes with XXXX and Equifax. They are allowing a fraudulent account with fictitious information on my credit report. They need to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX  XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan

XXXX County Wisconsin case numberXXXX After multiple delays from XXXX Law firm in XXXX, ( misplaced files, illegible records ) The judge ruled in favor of Plaintiffs motion for summary Judgement granted. 

I had no clue or knowledge of terminology or proceedings. I have receipts showing at least XXXX payments were made on a {$1500.00} Cash Store loan. Yet the Judge ruled that the Plaintiff judgement of {$2200.00} As of XXXX XXXX, 2016. Now XXXX XXXX Firm is adding fees, interest, penalties and garnishing my wages from USPS! Now they XXXX payment owed is {$2300.00} and the USPS wants to add on {$80.00} for garnishment fees. 

Help How to I get resolution on this matter and stop all the penalties fees and expenses and pay just what is owed to the Cash Store. Am I able to appeal this ruling? It is also going on my credit score. 

Thank You for legal referals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I last used my card on XX/XX/2022. I went out of state to XXXX  on XX/XX/2022 and returned to XXXX  on XX/XX/2022. I last accessed my vehicle on the XXXX XXXX because my vehicle broke down. I keep my card in an insert inside of a financial planner notebook, to which I had left in my vehicle when I last used my vehicle. Before I left to go out of state unbeknownst to myself my daughter had gotten in my vehicle to retrieve something and apparently forgot to lock the vehicle back up or someone accessed my car thru my broken sunroof. Im not sure which happened. Someone got into my vehicle while I was not in town and stole my planner which had my card inside. They used my card on XX/XX/XXXX, XX/XX/XXXX and XXXX at various places : XXXX XXXX XXXX XXXX {$44.00} XXXX {$29.00} XXXX {$7.00} XXXX XXXX XXXX- {$150.00} XXXX {$28.00} XXXX XXXX- {$6.00} XXXX {$3.00} When I returned home on the XXXX of XXXX I went to check my balance so I could pay a bill and realized someone had used my card. I went looking for my card and realized it was gone. I contacted way2go card services immediately and filed a dispute by phone. I was told they cancelled the card and would send me paperwork to fill out and send back within 10 days by the XXXX of XX/XX/2022 and I would receive a provisional credit. I didnt receive said paperwork until XXXX XXXX but promptly sent the paperwork in on XX/XX/2022 so I would get the credit. After sending the paperwork I called to make sure they had received it and the customer service lady told me they had received it and had already made a final determination this morning before I sent the papers in. Included in the paperwork I included a statement from someone stating I was not even in the state of Indiana when the charges were made. The lady said she couldnt do anything as it was a final determination. I asked to speak with a supervisor she transferred me. The male I spoke with who only referenced himself as a supervisor stated the same the prior agent had said I asked how I could appeal the decision and was told that I could not appeal the decision. I explained that the paperwork I had sent in included a written statement proving I was not even in the state when the transactions occurred. He said the merchant denied the claim or something to that affect. I reiterated that my card was stolen and that I was not in the state. I asked if my money on my card was XXXX  insured and was told it was. I said ok then I know I have the right to appeal your decision and was hung up on. Its awful convenient that the day I was suppose to receive a provisional credit they made a final determination yet did not send anything in writing and then lied and said I had no right to appeal the decision.
Product: Checking or savings account

On XX/XX/2023, an amount of {$9800.00} was withdrawn from my Wells Fargo Checking Account via Bill Pay to XXXX XXXX. On the same day, XX/XX/2023, I called the Wells Fargo fraud line to report that the transaction was fraudulent and they opened a case for the transaction. I do not do business with XXXX XXXX, and neither did I authorize to add XXXX XXXX as a payee. I had to request Wells Fargo to find them and remove them from Bill Pay because the unauthorized payee was not visible on the user end of the website. I then closed the checking account with the fraudulent transaction, opened a new checking account, and even changed my Wells Fargo username and password. 
I eventually received a letter from Wells Fargo stating that based on their information, they determined the transaction was authorized and closed my fraud claim. I did NOT authorize this, neither did I give anyone else authorization. Before I received the letter, on XX/XX/2023, I called Wells Fargo for an update, and they confirmed that the case was closed. I then proceeded to file a police report on the same day, XX/XX/2023 on the fraudulent transaction of {$9800.00} on the XXXX of XXXX. I received an affidavit form via mail from Wells Fargo to fill out for them to re-open the case. I then faxed the affidavit on XX/XX/2023 to the appropriate Wells Fargo fax number that I was given and then faxed a copy of the Police Report general information on XX/XX/2023 to the same number. I was told that the re-opened case would be resolved within 5 to 10 business days. I called them XX/XX/2023 and I was given verbal confirmation that they closed the case again, regardless of the affidavit or police report that was faxed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had mailed Equifax a letter to dispute inaccuracies in my consumer credit report that Equifax has/is reporting. I informed Equifax that they were/are violating my legal rights by the Fair Credit Reporting Act by reporting false information that is damaging to my consumer credit profile. Since Equifax has continued to violate my rights and I will support this with proof, I am asking for these accounts to be removed completely from my credit report as they are no longer credible
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
Product: Credit reporting or other personal consumer reports

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 or other personal consumer reports

I was trying to buy a property I Noticed Unauthorized inquiries on my credit report that i would liked removed immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Fraudulent Collections Account Dear FCRA, I am writing to formally dispute a collections account that has appeared on my TransUnion credit report. This account is causing significant damage to my finances and has hindered my ability to purchase a home for my family. 

I recently became aware of this collections account, allegedly from XXXX XXXX XXXX and associated with the XXXX XXXX XXXX which I do not recognize. I have never applied for credit with the XXXX XXXX XXXX nor have I established any account with XXXX XXXX XXXX. This account appears only on my TransUnion credit report and is absent from both my XXXX and XXXX reports. 

I have attempted to obtain record verification from XXXX XXXX XXXX twice, but have received no response in nearly XXXX months. Additionally, I have filed multiple unsuccessful disputes with TransUnion regarding this account, yet no action has been taken. 

The presence of this fraudulent derogatory account on my credit report has caused critical damage to my financial standing. I have been trying to purchase a home for my family, but this account, combined with the challenging economic conditions, has made this goal and other financial opportunities impossible. The situation has already cost my family dearly. 

I demand that this fraudulent collections account be removed from my TransUnion credit report immediately. I trust that the FTC and/or FCRA will take swift and decisive action to rectify this matter and protect my rights as a consumer. Incorrect or conflicting reports information indicates incorrect records. Fair Credit Reporting laws protect the consumer by removing such false derogatory reporting. The account in question only reports via TranUnion. Several disputes over the past several months have been ineffective. The original Creditor has also failed to provide me with records. I repeat this because failure to provide records and inconsistent information reporting are grounds for removal. I'm not sure if this was stated clearly as grounds for wiping this account from my report. This why I am once again turning to you to help me with an account I never applied for or have any knowledge of. I can and will provide credit reports information showing TransUnion as sole reporting bureau. 

Thank you for your attention to this urgent issue.
Product: Checking or savings account

Hello CFPB This is a follow-up from your last message to me on XX/XX/XXXX complaint ID XXXX. Navy Federal has yet to contact me and settle this issue. I paid the fee to XXXX because Navy Federal will not reply to me nor refund me my money of {$25.00}. Now this entire issue has caused anothe problem with the fee I paid to XXXX. XXXX can not figure out what happened to the fee I paid on XX/XX/27 which covered Navy Federal 's check with no money value on it. Again I was not aware there was no money value on the check.
Product: Debt collection

This is my third time reaching out to you and each time you closed my case with no explanation. I have to assumed it was because you was under the impression that I was sent the requested information .I sent several certified letters and several fax to LVNV Fundings LLC and their lawyer 's XXXX and XXXX XXXX explained that since this pandemic the mail service is so messed up so I ask them could they send all bills, validation letters, court papers and even proof that they can collect in this state to send certified so that their won't be he said she said since you kept closing my complaint it means you believe that they sent me the requested information well they haven't but I did get one letter from their investigator that's is full of lies he said he delivered to an address that I never resided at and I went to that address a woman live their for over six years and that vague description fit almost any XXXX male but not me I sent them proof that he couldn't have delivered it to me and because of his lies a default was order against me and every since then I have been trying to get what I need so that I won't have to get another XXXX visit like the one I had in XXXX and now I have another one XX/XX/2021 and since you going to give me that XXXX about 15 days and they can ask for another 30 days which means I'm looking at another date if I don't get what I need if they claim to have sent it then they won't mind sending it again but certified
Product: Checking or savings account

My wife and I were making a deposit into our joint checking out at the XXXX, CT Citibank branch on XX/XX/XXXX and were told about a promotional savings account ( 2.15 % for 90 days ). We decided to open the savings account to take advantage of the offer. We received interest on XX/XX/XXXX and XX/XX/XXXX. The interest in XXXX was calculated using 0.4 % interest rate which is obviously much less than the promotional offer. In addition, when trying to call Citibank NA ( XXXX number ) I was told that my wife was the only person on the account ( account was set up incorrectly instead of a joint account with my wife ) however I have full access under my existing user name to make deposits, withdrawals, etc ( big security issue ). Furthermore, the customer service manager said we had to contact or visit the branch to fix these issues resulting in additional time and hassle that we shouldn't have to incur.
Product: Credit reporting or other personal consumer reports

Seeing unauthorized inquiries on my credit report this morning was deeply upsetting, especially since I dont know how they got there. I refreshed the page several times, hoping it was a glitch, but the inquiries stayed. This problem needs to be addressed immediately by carefully checking the documents I've provided so I can stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

I have personally made calls, send complaints, and requested my private and personal information to be removed from my Consumer Reports produced by this company. Referencing the consumer laws stating that personal experience and interaction are not to be included as per 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and " The Privacy Act of 1974 '' I have repeatedly asked to have interactions and experiences such as " balances, payments late or otherwise, inquiries, closures, collections, and any other personal interaction with companies that I no longer have business with. '' be removed immediately. 
However against all attempts my report still shows all of the mentioned information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  acct no : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.