23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I applied for credit and to my surprise I had a numerous amounts of accounts from XXXX company. I contacted them on XX/XX/XXXX in reference to these accounts that were on my credit file and communicated to them that I had no knowledge of these and no communication from XXXX  in reference to the accounts. The agent then stated that they had no information on my account such as current address nor current telephone number. The operator then stated that they made several attempts to send a letter but it was a bad address and it was returned. Under the Fair Debt Credit Act at that point any information or accounts that they reported to my credit file were to be removed due to no communication from me and bad address with returned mail but that was not done. After that I given the agent my current information and requested for a validation letter with original contract with my signature, every notation, dates of service, dates and balances. She then stated that I needed to submit that in writing and so I did. In response to my request I did not receive original contract with my signature. The only thing that I have received from XXXX was a statement with original creditor, date of service, and balances. I have attached all correspondence from XXXX and myself. This has been an tremendous burden for me because these accounts are affecting me in an negative manner and are not valid because there is no way that I could have visited this original creditor that many times during that time and I do think that these accounts are fraudulent and that's why I requested a validation and original contract with signature for these accounts. In which was not done.
Product: Money transfer, virtual currency, or money service

3 months ago, I got my college graduated and move back to XXXX, therefore I need to transfer the rest of my money ( a little more that {$50000.00} ), into the account of my girlfriends. 
I had very limited time, so I took more than 3 phone calls to the Bank of America to ensure they know it is me doing this tranaction. And I was promised that such transaction can be done through online banking services. Knowing that, I steped on the plane back home. 
Then I found that this transaction could not be done, and my online banking account got blocked, because what I did was somehow suspicious. 
So I start calling the customer service number, since XXXX, till now. Trying to convince BoA to finish the wire transfer, or at least unlock my online banking accuont os that I can transfer it to any other account. But I was told the only way of unlocking it, is to visit a off-line counter with two forms of my IDs. Which is physically impossible for me. First, I am not anywhere near US. Second, even if I was at US, passport was all I need and I never had two forms of IDs. 
My money has to be back. The account can not be unlocked. From what I have been told by BoA, it seems, there's no department to report to, no Email address to talk to, and absolutly no way to solve my problem. 
All they need is a proof of I am acually me. I suggested that we could contact by email, or find a off-line counter and make a video call. I can prove that I am the holder of the card. I can even send my passport to them to prove that I am who I am. But none of that works. 
So I have this question for BoA : Is it real that as long as I don't set foot on the land of the United States, I can never get full access of my own account?
Product: Debt collection

XXXX   XXXX    claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made  XXXX  took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in  XXXX  favor based on the documentation the judge received from   XXXX   XXXX   never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to  XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from Equifax stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing Equifax and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Product: Credit reporting or other personal consumer reports

Grain Technology Inc showing a balance of {$730.00}. I sent over dispute letters to the credit agencies who then sent it to Grain Technology. I disputed that this account does not belong to me.
Product: Credit reporting or other personal consumer reports

I had reported that I did not make the account because I was incarcerated at the time. I told the that it had to be someone that had my personal information. However they verified it as being my account and ask me if I filed a police report. I asked if it would make a difference being that the account was closed in XXXX and it is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my account with Equifax. I see XXXX different inaccurate addresses on file. I also see incorrect names for me. I was on hold, and no one ever came to the phone. I attempted to submit my utility bill but the online system would not let me upload it. This needs to be correct immediately. Many people have sued the credit bureaus for keeping inaccurate information on their report. This needs to be corrected and updated immediately, as it can, does affect the credit scores inaccurately!
Product: Credit card or prepaid card

I lost my job after all government funded programs from the stimulus bills and everything else have ended in XX/XX/2021. I at that time had a credit score of XXXX  I now have a credit score of XXXX. I have a total of six credit cards they were taken out to rebuild my credit which I did when I had a good job paid them all 100 % on time and in three months time of not being able to pay none of them would lower my payment would take a partial payment or just stop the interest from building. So now I am totally screwed and 8000 and {$400.00} in debt unbelievable. And I waited for my unemployment for 23 weeks so I couldnt even pay the minimum when I was fired from my job unfairly I might add which I finally won the case of unemployment after 23 weeks of no money from any of you. I will list the credit card companies I dont think it really matters because whos going to pay my {$8000.00} back it sure aint gon na be Pennsylvania.

2cards -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Card Services is a disgusting company that would literally take your last dollar and leave you on the street thats genesis card services whoever owns that should be I dont know put away for just being a thief to low income people. {$8400.00} is my now total owed. Do you know what it is before I got fired 2160 bucks thats what it was and now since I got no unemployment for weeks and lost my job unfairly I owe over {$8000.00} that is disgusting in this country and I paid every bill on time so I could build my credit to a 700 from nothing I started at where I am now 400 this country makes me sick with that stuff.
Product: Money transfer, virtual currency, or money service

My ticket number on the Binance.US exchange is # XXXX Ive been trading on this platform since XXXX with no problems. I received a notification this morning XX/XX/2021 of 2 failed ACH deposit both in the amount of {$1000.00} each for a total of {$2000.00} that were returned to my XXXX XXXX XXXX  account. 

I was informed in an email to deposit said amounts into my http : //Binance.US account to bring it into good standing or there would be a charge back. 

I tried depositing {$2000.00}. Then received a notification email that the deposit failed and now my account was frozen. 

I was directed to upload my most recent bank statement and and selfie video of myself holding my identification card. Both requested items have been uploaded in drop box in the support ticket. 

There is no customer support on the site at all. When I check on my support tickets they are automatically marked as solved but my account is locked still. 

Im am completely kyc verified. I have as of right now XX/XX/2021 {$39000.00} in multiple crypto currencys. 

Ive tried reaching out to there consumer rep on XXXX they are ignoring me. 

Like my funds returned to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you to verify this debt and where it came from and if proven unverifiable please remove this account as soon as possible as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX is not accurate.please remove this inaccuracy from my report XXXX  - XXXX doesn't belong to me. please remove it from my credit report XXXX - XXXX doesn't belong to me.please remove it from my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit repor
Product: Debt collection

I, the natural person, consumer pursuant to 15 USC 1692a ( 3 ) have reached out in good faith to CapitOne to resolve this issue. I have asked for a debt validation according to 15 USC 1692g, which they have not provided me with all 5 required items. CapitalOne doesn't agree with what I have stated, which has been all law so now I am asking for verification - please tell me who is the Original Creditor which you have to provide pursuant to 15 USC 1692g ( a ) ( 5 ). Also note 15 USC 1692g ( b ) in regards to this dispute.

Also Pursuant to 18 USC 1341 you have committed a crime which is punishable by 30 years or {$1.00} million dollar fine, or both. You have provided me with a false representation of the amount allegedly owed pursuant to 15 USC 1692e ( 2 ) ( a ).

You also stated in attached documents of evidence that CapitalOne does not need to respond in an affidavit - according to law, a unrebutted Affidavit stands as truth regardless of your " opinion ''. Please see my documents and evidence attached, and I have not in good faith added the additional violations in the good faith that you resolve this issue with me in private.

12 USC 5565 ( a ) ( 2 ) ( E ), and 12 USC 5565 ( a ) ( 2 ) ( B ) refers to refund by law that is required for violation consumer laws.
Product: Credit card or prepaid card

i am on XXXX orders i am supposed to be protected as XXXX XXXX  under The SCRA especially when on XXXX orders i have a credit card with APPLE they are refusing to comply and the reason being is basically because i got the card during XXXX XXXX but that doesn't matter because it's a benefit through scra when you deploy for the interest to be no higher than 6 % and mine is 26.99 %
Product: Credit reporting or other personal consumer reports

I check my consumer reports regularly and upon doing so I noticed that Equifax isn't reporting my two oldest primary tradelines which are my federal student loans. After contacting Equifax I was told that they've never had any knowledge or records of my student loans and there isn't anything they could do as far as updating my consumer report. However they recommended that I contact the original creditor of my student loans ( XXXX  ). Upon speaking with a customer service representative at XXXX I was informed that they report y student loans to each of the the 3 major credit bureaus XXXX, XXXX, Equifax, and XXXX as well. I then requested that they send a letter of insertion to Equifax to ensure that they'll begin to report and they have yet to report anything of my student loans which again are my two oldest primary tradelines. With Equifax failing to report my positive information regarding my student loans this hinders my credit worthiness and is a clear FCRA violation due to misleading data being an error. I've also attached my XX/XX/XXXX consumer report from XXXX showing my student loans reporting and my XX/XX/XXXX consumer report from Equifax that's not showing my student loans reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records 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 lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive received my most current lexis nexis report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS XXXX. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney XXXX XXXX Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from XXXX XXXX ( monitoring ) that my credit account with SYNCB/PPMC ( Synchrony Bank ) had been closed. I was told by a supervisor ( XXXX # XXXX ) after speaking to two other individuals that nothing could be done. How can a company close an account in good standing and damage your credit score without any prior notice ( ie. reduced available credit and closed account mark, which has already reduced my credit score. )??? 

The purpose of available credit is so it's there when you need it...
Product: Credit card

My complaint is against American Express. My name is XXXX XXXX, my phone number is XXXX. We purchased some jewelry while on vacation, on a cruise. We payed $ XXXX for the jewelry with our American Express card and the jewelry turned out to be fake. So we had an official appraisal done by a XXXX XXXX XXXX {$200.00}. American Express denied our claim. We believe American Express knowingly does business with these types of vendors. We tried for six months to resolve this with them. This is why we want to file this complaint against them. We have all documentation and proof the we can provide to you. Please advise us on what we should do next. AMERICAN EXPRESS ACC # XXXX
Product: Student loan

I hav tried to repay the student loan on numerous occasions. The beginning loan totaled {$45000.00}, now they are asking {$78000.00}. I don't have kind of money, I'm on a small budget, I'm a XXXX   XXXX XXXX  widow since XXXX with no benefits. My complaint is the amount of the increase, the problems with lenders & servicers &  how many times this loan have been sold. First it was XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, now XXXX. I was scammed, XX/XX/XXXX by XXXX XXXX, ID # XXXX, @ XXXX XXXX so he said. The amount then XXXX said was {$47000.00}. XXXX said if I paid 3 payments : on XX/XX/XXXX, {$290.00} @ # @ XXXX ; XX/XX/XXXX, XXXX- {$290.00}, @ # XXXX, then XX/XX/XXXX, {$290.00} @ # XXXX. The phones numbers was where I could call if I could not make the payment. XXXX XXXX said, " after you make these 3 payments the remainder of the loan would be forgiven. After calling and no response. On Friday, XX/XX/XXXX @ XXXX XXXX   I received a call from XXXX XXXX  XXXX ( XXXX ) XXXX XXXX, then XXXX @ XXXX XXXX, said '' if I complete a 5 month payment plan of {$86.00}, then they would set me up on a repayment plan. '' I paid it, & I heard nothing until I received a call from XXXX, ( XXXX ) acct # XXXXsaying my account had been sold to XXXX  ( again ) is what the message said. Then I received a call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) @ XXXX for a reduce or forgiveness Program. The message said to call ( XXXX ) from XXXX XXXX @ XXXX, REF. # XXXX then another call from ( XXXX ) from XXXX, REF. # XXXX to get a certification form loan forgiveness. I've received calls, text and emails. I don't know who to trust & it is so confusing that no one have a record of the money I have already paid. I received a letter from XXXX dated XX/XX/XXXX, that the current principal student loan is {$60000.00}, acct # XXXX. I have called or answered calls, when I give my name and acct. #, then you ask for my SS #, If you call me you should already have the rest, because I don't know if it is another scam. 
I've had problems dealing with lenders/servicers, lowering my payments, promising a forgiveness, & scams. I received a letter dated XX/XX/XXXX for Notice of Data Breach from XXXX, that happened between XX/XX/XXXX and XX/XX/XXXX. I was also notified 3 years ago for Notice of Data Breach. I don't know who to trust, but XXXX. This is very stressful, because of all the misleading and untrustworthiness.
Product: Debt collection

Carter young is reporting to my credit file against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was XXXX XXXX XXXX is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.