23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was given this phone number by the phone compant last XX/XX/XXXX. I have been plagued by debt collectors calling,, asking for every XXXX male name in the book. It is unknown if they are all the same collectors, but they ask for a different name each time if I answer the phone. The month of XXXX XXXX, I was gone to XXXX for one month. I run a business on my phone so phone messages are important. Every business day for about 3 weeks the same debt collector at the same number had a machine, call my number, while I was gone and left an unclear message, missing all but the last half of a sentance, but no identification,, etc. I searched that number using caller id on the internet and found that they were debt collectors, then. But, being out of the country I could n't them, and why should I? But, I was worried, just in case I had a problem with a debt that i didn ; t know about. Those people filled my voice mail with their calls. I have XXXX digital phone so I have the computer record. Howverr it was not working well while I was gone, which further made this difficult and worrisome. I did not know what I might have missed, How is it that a debt collector, even if the debt were mine, can do this, with their autodialer machine, harrass me, and never identify themselves or explain the reason for the call??? I returned from my trip last night XXXX XXXX, XXXX. First thing this morning i called that number. The man I talked to is in Arizona. He sounded XXXX. and he is a debt collection agency but would not admit it at first because I refused to give him my name. When I told him that I knew who they are, in fact that he is Apple recovery, he admitted it but simply said I 'm am sorry. This mess caused me time, and grief. if I could I would sue them. In any case, they should be fined for unethical behavior. He admitted, finally, when I gave my first name, that they were not looking for me. or anyone I know, but someone gave them this number. This has got to stop! By the way, I have perfect credit. if someone messes with my good credit I will fight tooth and nail to defend it. I had to do a short sale 3 years ago and I am very protective of my credit.So,, this is very distressing to have this while I am in XXXX and can do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with experian thatbive been trying to cancel for 2 years and can not get cancelled. Theres no option to cancel on the website, Ive tried calling to cancel and can not get through to anyone at experian. Its a monthly recurring charge that has increased since it started.
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 Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX 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: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Regional Acc Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/25 someone using my information in XXXXXXXX XXXX tried to open a credit account with Community/Ultra credit card XXXX 
a XXXX pull was done with XXXX credit bureau and was unsuccessful. 
We have notified each credit reporting agency and desire the hard pull be taken off as it is fraudulent.
Product: Credit reporting or other personal consumer reports

Experian does not properly investigate disputes and fails to remove or reinserts errors on my credit report, threatening access to my credit.

15 usc 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection communication relates to the collection of a debt As a consumer I demand for all accounts, and alleged debt to be removed from my credit reports link to this company. 15 U.S.C 1692a ( 3 ) the consumer is also the natural person when debt is alleged owed, natural persons have additional protection under consumer federal laws pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Act 15 U.S.C 45 Accounts I demand removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am trying to purchase a new house and I am unable to do so with the damages on my credit report. I have reached out to each credit bureau through certified mail and have yet to rectangles response. According to the 15 u.s.c 1681 there should not be any damages to my credit report. This is a deformation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For the past several months I've contacted Transunion and XXXX regarding the INACCURATE reporting of a charged-off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. For over 7 mths, I have requested that these companies remove this account due to inaccurate reporting. I have supplied both companies with undeniable proof of the multiple violations, in the form of XXXX credit reports and copies of screenshots from their sites, only for them to respond with a verification that the debt is mine, or an " UPDATED ACCOUNT '' response. 
This closed account is reporting late payments with no " DATE LAST ACTIVE '' on report. If the date of last activity is not shown how can you confirm how many days late an account is. This could also expose me to an even worse situation of re-aging of the account. Which means that the statue of limitations is null and void due to the lack of a starting point They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) Ex. In XX/XX/2018 account is reporting as current ; then in XX/XX/2018 account reports as 90 days late. ( NOT POSSIBLE )
Product: Money transfer, virtual currency, or money service

I was a victim of a puppy scam using a service I had never heard of called Zelle. The puppy owner seemed legitimate in the moment and when they said to use Zelle I was happy to see it as an option in my online banking application for XXXX XXXX. They sent me an email and owner name and I authorized the transaction through my own bank application. Never in a million years would I have thought that I could get scammed while directly logged into my own bank account. If I had ever heard this Zelle was like XXXX I wouldnt have brought my walls down. 

I suspect my bank ( XXXX XXXX  ) and Zelle will not offer to stop or refund my transaction. I waited on a phone call to Zelle and they transferred me and then hung up on me after 45 minutes. My bank is not available today but I sent them a message. The fraudulent company is no longer returning correspondence. Ive included their contact info below. The main thing I want is for this to not happen to anyone else in the future. Please stop this fraudulent company. They used a real XXXX XXXX, FL address that has been the victim of other puppy scams in the past. 

This article is exactly what happened to me. There are others who are becoming victims. Please help to stop banks legitimizing Zelle. They arent doing anything to warn customers of potential for fraud. There must still be millions of customers just like me out there who havent heard of Zelle but find it on their bank app and way to easy to transfer money. 
https : XXXX I have also filed a fraud report with XXXX. 

Fraudulent Actor Zelle Acct : XXXX XXXX XXXX Fraudulent Business Info : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX : XXXX Online Purchase Lost {$750.00} Article that mentions puppy scam activity using this same address is below. We came across this article after our transaction when we began to suspect fraud. 
https : XXXX XXXX I have attached screen shots of the website in case they take it down. I also included screen shot of my banks status of the transaction and how they should be able to stop it but likely will not based on what I am seeing online from other victims.
Product: Debt collection

Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. 

( from number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a correction from previous question. Even though I uploaded the correct statement I provided the wrong paid balance for XXXX statement. Correction is as follows. XXXX paid bankruptcy balance is listed as XXXX XXXX paid bankruptcy balance is listed as XXXX. How my Paid Bankruptcy balance decrease between XXXX and XXXX by XXXX
Product: Checking or savings account

I opened a citi checking account. I have XXXX citi credit cards XXXX being a decade older. They kept on sending promos to open checking account to receive bonus. I transferred XXXX to the account. I realized I needed to do XXXX  or XXXX  to get the bonus. So I tried to withdraw XXXX after XXXX  days of sending XXXX to it. Since that day they closed online access. I talked to several agents, went to branch No one gives an answer. Asks to wait XXXX  days for a letter. I need my funds urgently. It falls on deaf ears.
Product: Credit card or prepaid card

We had been working through financial problems with XXXX XXXX XXXX and had just paid off a settlement of our Bank of America card ending in XXXX. The settlement amount agreed upon by Bank of America was {$14000.00}. The settlement date was XX/XX/2022. 

XXXX XXXX XXXX paid our two cruise refunds, {$6200.00} and {$5800.00} ( totaling {$12000.00} ) into this credit card ( ending XXXX ) on XX/XX/2022, just before the card was closed but the cruise refund was paid in just prior to closing, and the bank kept the refund. 

Bank of America had agreed on the settlement amount of {$14000.00}, which was paid to them a month prior to the refund being paid into the card but they also took the cruise refund of {$12000.00}. 

We are hoping that it is possible to get the {$12000.00} back from them and paid into our bank account. 

Can you help? I have all the emails and the settlement letter.
Product: Consumer Loan

I have filed a complaint before on XXXX XXXX XXXX and submitted a cease and desist of phone calls to my work and cell phone. They continue to call and harrass me. I also have all of the saved voicemails where they continue to ignore the required cease and desist.
Product: Debt collection

Citi bank hired a collection agency and an attorney to collect a debt which I was trying to get one of simple rights in the process which is to validate the debt since XXXX of 2021 all three Citibank, the collection agency, and the attorney could not produce the above validate nor they communicate in any manner a way to resolve that issue, they simply took advantage of credit agency reporting a negative mark on my credit that reflected in higher interest any way I turn for credit if at all granted without the right to do so to me. 
As attached documents display the what I was getting form all parties simply circling me around between all three. And finally, Citibank when last year was pushing me to contact the collection agency and the attorney, but now we reached to a point where the collection agency and the attorney returned the file back Citibank, so I contacted Citibank again after the initial contact with them made last year, only this time I contacted Citibank by an official letter as you can see in attachments to verify the debt, but Citibank ignored the matter altogether as you can see the letter with certified mail I sent them on XX/XX/XXXX to verify the debt.
Product: Vehicle loan or lease

A complaint was filed on XX/XX/2020, regarding information being reported incorrectly on my credit report. On XX/XX/2020 Ally Financial responded that the charge off would be removed in which it was. However on XX/XX/2020 Ally Financial updated the account again as a charge off and increased the balance by {$640.00}. I reached out today to Ally Financial and spoke with XXXX and was told I dont know why and she would not have an answer until next week. This is unacceptable as Ally Financial is severely impacting my credit and possibly my employment due to their negligence and continued errors. This has been an ongoing issue since XX/XX/2020 and we are now in XX/XX/2020.
Product: Payday loan, title loan, or personal loan

Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. 

And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). 

Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.
Product: Debt collection

Spring Oaks capital has continued to harass me with countless collections. I added any collection to XXXX this collection is from XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX is reporting that I have a student loan from them which I have never applied for. I have sent letters to XXXX  and XXXX to remove creditor from my credit report because I am not aware of them.
Product: Credit card or prepaid card

I applied for and received my Chase Southwest credit card in XX/XX/XXXX ; when I received my XX/XX/XXXX bill, I noticed that I had already been charged the annual fee of {$140.00}. I immediately contacted Chase to inquire why I had been charged the annual fee a month later, because with my other Chase cards, I was not charged the annual fee until I had the card for a year. In addition, the Cardmember Agreement Rates & Fees document, made no mention of when the fee would be imposed, and the Cardmember Agreement booklet states that cardholders are responsible for the annual membership fee every YEAR that the account is open. However, I would not earn my promotional gratuities until my anniversary year ; XXXX. 

Unsatisfied with the service and ambiguity of the representatives I spoke to regarding this issue, I opted to close my account in late XXXX, after my final payment. In speaking with the representative that assisted me with closing my account, I was informed that when I received my final bill, the annual fee would be refunded, and since the calls are recorded, this can be confirmed. 

When I received my final bill, I had a XXXX balance, and the annual fee was not refunded. I contacted Chase again and spoke to a manager, who then informed me that since I closed my account after 60 or 90 days, they could not refund the annual fee charged. I then asked the manager that this decision and the applicable directive which XXXX  what I was told me sent to me in a letter, responding to my request to reverse the annual fee ; to date, I still have not received this letter, but I am continually being charged late fees and interest. 

How can a company legally and ethically charge an ANNUAL fee for a card/service that amounts to 3 months ; then, tell me that my fee will be reversed, only to say it will not be? This is an unscrupulous and swindling act, and cardholder need to be aware of this company 's practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to Equifax several times and they continue to validate and misreport an account on my credit report to other companies like XXXX  XXXX XXXX. I recently learned of this when trying to apply for a home. There is a collection account under XXXX XXXX XXXX on my report and it is categorized as a rental / collection ; naming or collecting for an original creditor of XXXX at XXXX XXXX XXXX. I provided the receipt documentation from XXXX at XXXX XXXX XXXX to Equifax and XXXX XXXX XXXX which clearly shows I have no balance due to the original creditor ad of XX/XX/2013. Therefore the report of account as it is, is highly inaccurate and misleading to users of my credit report and continues to creates financial harm to me and my credit.
Product: Mortgage

I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.
Product: Checking or savings account

This is a complaint regarding Wells Fargo at XXXX XXXX, XXXX GA XXXX. 
I have been a member of Wells Fargo for over 10 years and my paychecks have been direct deposited on a regular basis for a very long time. 
Friday morning, XX/XX/year>, I received a settlement refund check from the US Treasury. This student loan settlement had cleared my student loans from the credit and given a refund for payments that I made. 
I took the check to Wells Fargo at XXXX XXXX, XXXX GA XXXX, because this is the main bank that I use, located about 3 minutes from my house. 
The bank teller advised that a verification call is required for any checks over {$10000.00}. 
Over the duration of an hour, the bank teller came to the front twice to ask me ( 1st ) why I was given the check and ( 2nd ) if I had proof of the settlement. I was not prepared for these many questions or to require proof for a {$12000.00} check. I happened to have a picture of the settlement approval letters in my phone because I had to provide it my new mortgage lender as I am in the process of purchasing a home. The bank teller went to the back for a third time and when she returned, she told me that the check was fake, and checks from the US Treasury do not look like what I have. I was in shock and I told her that cant be true. She told me the manager would be out to discuss it with me further. 
I waited a few moments for the manager to come out and she ask me why I was given this check. I explained to her that its a refund from a student loan settlement and that theres a phone number attached to the check that can be called. She did not bother to do call it and said Wells Fargo can not deposit my check. 
I dont think proper due diligence to verify the check was done by the manager or the bank teller. I was deeply offended and frustrated in the process and feel the actions responses I received from this branch of Wells Fargo are based in profiling and discrimination against young women of color. I feel that at the very least, I deserve an apology for I was treated that day.
Product: Money transfer, virtual currency, or money service

I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.