23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about 8 months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX ), they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, XXXX, or XXXX  approved one of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Product: Debt collection

I am a victim of identity theft and I do not owe for this debt. A representative from Capital Management Services , LP continuously called me back and informed me that the FBI would arrest me and I would not be able to get and bank loan or federal student loan from the government ever again, if I do n't pay this debt.
Product: Mortgage

I received a new mortgage statement showing my payment went up roughly {$120.00}. 

I called BSI financial to go over why my payment increased. They said it was due to an escrow analysis showing I was short {$800.00} in my escrow. I asked how that was possible when I overpaid escrow by {$230.00} in XXXX, and I show a balance on XX/XX/XXXX of over {$700.00} in my escrow account. The first rep said I needed to have at least {$1100.00} in my escrow to cover a 2 month cushion. I explained my XXXX taxes are {$1600.00} and my insurance is {$1900.00} annually. My monthly escrow is about {$300.00}, which shows I have more than a 2 month cushion. After this I had to speak with a supervisor. 

No one at BSI could explain why I paid {$3700.00} in XXXX escrow when I should have only paid {$3500.00}. They also could never explain why I have a shortage when when my taxes and insurance are nearly the same from XXXX and XXXX and there was an over payment in XXXX. 

This seems like suspicious activity. I've never been late on a mortgage payment, my insurance is the same as XXXX, and my taxes went up just over {$100.00}. Please also see attached documents where my insurance payments have been disbursed several times. 

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

I have this Paypal Mastercard since XX/XX/XXXX, the mailed agreement says there is NO FOREIGN TRANSACTION FEE. 
In XX/XX/XXXX I have booked flight tickets and hotel abroad and the FEES were charged as 3 % over my purchases. I have called Paypal Mastercard on XX/XX/XXXX, they said they changed the agreement rules and I should be aware the foreign fee were 3 % now. 
I have NEVER received the new agreement, so I want the fees waived from my statement, here is breakdown ; FOREIGN TRANSACTION FEE {$58.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$49.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$36.00} XX/XX/XXXX FOREIGN TRANSACTION FEE {$29.00} XX/XX/XXXX Total Charged over Foreign Transaction Fees : XXXX USD
Product: Debt collection

Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.
Product: Debt collection

They call repeatedly, multiple times a day including when I am at work. I have asked them not to call during the day. They also call at XXXX XXXX on Sundays and I understand they are only supposed to call between XXXX on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX Amount : {$150.00}
Product: Money transfer, virtual currency, or money service

I work XXXX and got paid for work to my PayPal account. I made an instant transfer and never got paid. I contacted PayPal customer service and they said it would be resolved in a few hours. I called back after a few hours and they said they were escalating my claim and that it can take 3-5 business days to resolve. This is the second time in a year that PayPal has held my instant transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information Experian Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XXXX XXXX  1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # XXXX XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Several different ways that I am listed on all three credit Bureau. I would like this corrected. So to clarify my name, it should be XXXX XXXX XXXX DOB XX/XX/XXXX and address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am recently divorced and my maiden name has been granted back to me in my divorce decree. If the other personal info can be removed. This would be appreciated
Product: Vehicle loan or lease

I started working with a Credit Repair Company XXXX XXXX who attempted to have this resolved, but they were unsuccessful. So in XXXX of XXXX  I called in an attempt to pay the Charged Off account. I called many times, and sent emails, but never heard back. I am now attempting to purchase a home, and this charge off is prohibiting me. So I have again been attempting to reach the company but still can not get ahold of anyone to help assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX account # 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 that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # 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 that consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and noticed a public record was on my file. On XX/XX/XXXX, I sent in a certified letter tracking # XXXX to XXXX asking for a proof of the record. XXXX failed to send requested proof of documents. I also asked them to re-investigate and delete or correct the disputed information. On XX/XX/XXXX receive a notification online from XXXX stating that it remains and was certified and accurate. On XXXX I sent a certified letter to The Bankruptcy Court asking do the report to credit reporting agencies and LexisNexis. They responded by saying they can not communicate credit reporting agencies. On XXXX I was told that the data furnisher reporting this public XXXX was LexisNexis. 
I am working with a lawyer to help with further legal action.
Product: Debt collection

On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated  XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. 

Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is  eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX  XXXX XXXX   website.
Product: Debt collection

Debt not owed. No longer utilized XXXX XXXX insurance. Policy was canceled and ended upon me switching companies. AWA Collections with XXXX XXXX XXXX are trying to collect a debt not owed for a month their services were not in use.
Product: Debt collection

I moved out of my apartment on XX/XX/2021 and returned the keys to the office. I asked if there was any remaining balance, the office manager told me " no, you're all set. '' Yesterday I received a negative impact notice regarding my credit report. I never received a final bill from the apartment complex nor a bill from the collection agency. Through my own research I was able to obtain the collection agency 's information. I explained the situation to them but to no avail. I explained that I would be more than happy to pay the balance but don't feel that this should be reported negatively on my credit report since I was unaware there was a balance due and never received a bill stating there was a balance due.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS XXXX IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX to make a {$2700.00} payment on my XXXX XXXX XXXX credit card. {$1700.00} of that payment was cash and the remaining {$1000.00} was in the form of a U.S. Bank  check # XXXX. This was transaction number TR # XXXX TE # XXXX. The check was ran through the ACH machine and instantly debited from my checking account. Instead of giving me back the voided check, the store kept the check and then proceeded to deposit an already paid and voided check into their U.S. Bank account in XXXX, WA two days later on XX/XX/XXXX. This was ran through the cash vault in the basement of the bank. So the bank gave the store another {$1000.00} by running an already voided check and it was not applied to my credit card payment. I will also note that somewhere between the store and U.S. Bank in XXXX, that someone or something changed my check number to # XXXX instead of the # XXXX it should have been. This was in the bank 's system, not on the physical check itself. I have opened 3 claims with U.S. Bank and even though they returned the original ACH transaction, this caused XXXX XXXX to also pull back my {$1000.00} payment and hold me responsible for the interest on that {$1000.00} since XX/XX/XXXX. I tried several times over two weeks to speak with the store XXXX, XXXX XXXX, both in person and by phone and she tried everything to avoid talking to me until I threatened her with the police and a lawsuit. I did file a report with the XXXX Police on XX/XX/XXXX, Case # XXXX and am currently searching out an attorney for this matter. I have opened a fourth fraud case with U.S. Bank on XX/XX/XXXX, Case # XXXX and have checked weekly on it with no progress.
Product: Checking or savings account

On XX/XX/11 at XXXX, I went into the Wells Fargo branch in XXXX XXXXto close my accounts after more than 20 years because they sent an email that they are changing my account type and fees would apply. closing both checking and savings accounts. Told tellers in lobby I wanted to close an account. They said well... the person you need has an appt at XXXX and can not help me, but they could bring my balances to XXXX at teller line and call a number tomorrow to initiate a close... ( this is frustrating ). The teller gave me cash for both account balances. I left and went back to work and my phone had an alert on it that my account was overdrawn by XXXX. I went back into the bank and could not get assistance. waited another XXXX min and got another teller. She knew I was just in there and told me she couldn't help me unless I gave her a form of iD???? didn't have one, so she wouldn't help me. I then called the number given to me and they ended up doing a dispute (???? ) on the teller error and now I can not close the account to any activity for 10 days to do the dispute??? again, this was their fault. They will not send me any notice... I have to go to the online banking and log in and check system messages there ( again ... what??? ) and will not notify me that the dispute is taken care of... I have to call them back... BTW ... was on the phone waiting for a person for XXXX minutes, then another XXXX minutes to 'figure out ' the issue with the teller error. I got a claim # and again, this is unacceptable that I can not get an account closed. I then called the local branch and can not get through to talk to anyone ... no one available to take my call, goodbye. tried twice... same thing ... What kind of service is this?
Product: Checking or savings account

Institution refused to refund/credit our account. Funds were in the account, but we were still charged an overdraft fee. We were charged XXXX  of dollars in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and notice a collection account that I never had a contract with or signed anything.
Product: Checking or savings account

Toward the end of XXXX I received a letter from my mortgage company stating that my escrow changed and my payment is lower. I then went to my online banking and the bill-pay page. When I pulled up the automatic bill-pay for this payment, my options were " change '' or " delete ''. I clicked change then changed the amount and the date that it would go out on. The original being XXXX on the XXXX of the month, to XXXX on the XXXX. A week later when I checked my account, it was over XXXX  negative because Zions had sent both payments. I immediately called the bank who said that I had created a new bill-pay payment and that I would have to contact the mortgage company and request a refund. Being divorced almost a year ago, my name is not on the mortgage, only my ex-husband 's name is on it. Needless to say, the mortgage company would not return my phone calls. I asked my ex-husband to call for me. He did for XXXX weeks, with no return calls. He emailed them and they finally replied stating that because it was an automatic bill-pay they would not refund the amount and that the bank would have to request the money back. Well, the mortgage company would not return Zions ' calls either. After these XXXX weeks it became clear that I was not going to get my money back so I went back online and deleted the bill-pay and the payee all together so that they would not send another payment in XXXX. But on XXXX XXXX, I was checking my bank account and found that Zions had sent another payment anyway! Even after I had deleted the bill-pay and the payee. Zions admitted that the bill-pay was cancelled but would not say when and they are unwilling to give me the money and all of the fees that they have charged me over both of these instances.
Product: Credit card or prepaid card

I have paid more toward late fees than the capital one balance. It's a rip off. It's a scam to keep me in debt. I missed the payment by 4 days and they want to charge {$40.00} on top of {$100.00} payment. Not to mention I've had the card for over ten years, I have paid it off more than twice and they have never raised my limit. After many times of me asking as my income has increased I have the same credit amount as when I got the card in college and I'm a XXXX XXXX XXXX human. These companies rip off the American people ; all they care about is money.