23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ASG Sollutions called my husband ( first  time ) and said that on Friday he is going to be served papers at work if we do not pay our balance due.   I offered to make payments and tried explaining to her that I had  XXXX  and then was involved in a very bad accident and I can no longer work, our  XXXX   XXXX   XXXX  daughter lives with us and we are responsible for her as she can not work due to   XXXX   XXXX   (  XXXX ,  XXXX ,   XXXX   ).   I tried to explain to her that my husband is the o nly one wo rking, we are behind on our other bills as well and we do not have the means to repay this debt at this time unless they would accept  XXXX  month ( we owe  XXXX   ) She refus ed and said it has to be  XXXX  per month for 6 months and they have to have my bank card number to automatically take it because they " do n't trust us ''.   I told her if we had to pay that amount ( which we can not ) that I would not be able to buy food and she said " You should have thought about that ''.   I do n't know what to do, I asked her repeatedly not to go to my husbands job or he will be fired and she said they can go anywhere they want and use any means available to get their money.   She also said that once we are sued they will garnish my husbands wages for over  5,000.00 with all   court costs and things included.   I try to reason with her but she gets very loud and just talks over me.   WE NEED HELP as they are going to my husbands job o n   XXXX  / XXXX /2017.
Product: Debt collection

I was contacted by XXXX XXXX XXXX, also know as Home advisors to produce leads for me to do solar sells. The day they started sending me leads, realized that they were selling the same leads to multiple people and that was not what I was sold. I called them the next day and requested to cancel their services. The person I spoke to refunded my money and told me that they would cancel my services with them. The following week I noticed that they were sending me leads still, so I contacted them and requested that they stop sending me leads since I had cancelled their services. The person I spoke to stated that their services were not cancelled and that I owed them approximately {$900.00}. I then told them that I had cancelled my services with them and that I am not paying for any leads they sent since I had not used any of their leads. They stated that their system showed that the person that I originally talked to had not cancelled as I requested. They just put my account on hold, which is not what I requested. Now I have received calls from the collection agency named McCarthy, Burgess and XXXX demanding that I pay or they are going to report on my credit report. The original person I spoke to was named XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I received a letter from National Credit Adjusters XXXX in my former married name ). saying I owe money to XXXX XXXX. they bought debt that was XXXX in my bankruptcy over 7 years ago and are now trying to collect. When I called they wanted my social security number which I would not provide over the phone, even though I had the account number listed on the letter. this is an attempt to collect a debt I do not owe. this is the 4th time they have tried to do this!
Product: Credit reporting or other personal consumer reports

I've sent mail correspondence to XXXX XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports. 

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED, CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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
Product: Credit card or prepaid card

In XX/XX/XXXX, notified by Fidelity Visa of fraud activity on account. I was told the account number would be closed and I needed to update any automatic payments to the new account number. 

On XX/XX/XXXX XXXX XXXX XXXX sent a transaction to my Old ( fraud ) Fidelity Visa account number. Fidelity Visa then transmitted my new Fidelity Visa Number XXXX XXXX XXXX XXXX and authorized the transaction. 

On XX/XX/XXXX I contacted Fidelity Visa customer service. They informed me that since I had a prior relationship with XXXX XXXX XXXX and 1 previous transaction with them ( XX/XX/XXXX ) - as a courtesy that are allowed to give out my new account number. They stated that any vendor who had my old number could successfully charge to my new account as long as that said they had a prior relationship with me. 

They then stated that if I could tell them who has my old ( fraud ) number they could close it only to those vendors. But that it cant close to all! 

My thinking is if the account number is closed down that is closed. But that is not the case with Fidelity Visa. 

My question- is it legal for them to release my new Credit Card account number to a vendor?
Product: Bank account or service

On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.
Product: Prepaid card

AFTER A SYSTEM GLITCH I HAVE N'T RECEIVED MY DIRECT DEPOSIT FOR {$380.00} AND ALSO THE BALANCE THAT WAS ON MY CARD BEFORE THIS GLITCH IS GONE WHICH WAS {$540.00}
Product: Credit card or prepaid card

Stimulus debit card. WHY did the government do the debit card? How much is this costing to use this service? WHY do I have to pay to get my money from this card? WHY do other people get a check? This is not constitutional we are not being treated equal. I'm going to pay {$10.00} to get cash. I will have to make 3 trips to the bank because you can only take out {$1000.00} out at a time and since they were stupid enough to put my husbands name on he has to go to the bank 3 times with me to do anything with this XXXX card. I get social security and so does my husband why did we NOT get a CHECK. ( direct  deposited ) They said we would receive a check, whey in midstream do they change to cards? I want to go to the bank and get my money, just like the people that got checks. I don't want rules and hoops to jump threw to receive my money on their terms. WHO is related to someone at this business? Who is benefiting from this transaction at the other end of my information that they have released to them. I never gave permission to them to give out my information. They think this is safer, are they crazy now someone else has our information. HACK!
Product: Credit reporting or other personal consumer reports

I contacted Experian Credit to access my online credit monitoring after they charged me {$29.00}. This should have been free since my identity was compromised in a data breach. I spoke with a manager named XXXX who would not allow me access to my credit report, not give me information on why I was being charged {$29.00} and repeatedly said I would have to wait 24 hours after being charged without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Equifax about this issue several times however ; they have given me the run-arounds when it comes to deleting them as promised from the fraud representative. I sent information in on XX/XX/XXXX and NEVER received a response back and was recently told that I need to send in a police report or FTC report listing all of the inquiries that did not belong to me. These were all due to the XXXX  Equifax Data Breach. All of these inquiries were deleted from XXXX  and XXXX  without hesitation ; however Equifax is neglecting to do the same. I have attached the police report which list all of the inquiries that should be deleted as promised from the Fraud Rep on Monday. The fraud rep on Monday XXXX re-disputed all inquiries and said that when the police report comes in ; the inquiries will be deleted. The confirmation # for that dispute is XXXX. 

I have also attached the removals from XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts : XXXX XXXX, Acct Number XXXX XXXX XXXX, Acct Number XXXX, XXXX {$350.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX {$880.00} XXXXXXXX XXXX XXXX, Acct Number XXXX, XXXX {$1100.00} XXXX XXXX XXXX, Acct Number XXXX, XXXX {$1300.00} XXXX XXXX, Acct Number XXXX, XXXX {$750.00} XXXX XXXX, Acct Number XXXX, XXXX {$1300.00}
Product: Debt collection

XXXX XXXX apartment said that i owe XXXX and thats no way possible it was not that much even with the fees added to it so they need to delete this and check with the apartments i dont have any documents because i lost them
Product: Student loan

I called my loan service provider up last week telling them i want my payments to reflect every saturday till the debt js cleared. My loan service provider agree, so when i got payed on this past Thursday my loan service provider ( Navient ) took my money two days earlier without telling me, that they were going to tell me.
Product: Credit card

I received a letter from Jefferson Capital Systens saying I owe a total of {$300.00}. from XXXX. I have never had a XXXX card. I have never filled out an application for a XXXX card. I have been to XXXX and signed up for e-mail to get discounts sent. It just ask for e-mail. Shows statements being sent to my physical address starting XXXX. I have never had mail service at my physical address. I have always had a post office box. Why have I not every heard of this and received monthly statements?
Product: Mortgage

Wells Fargo Mortgage L oan Number  XXXX  As per  XXXX   XXXX  email dated Sat,   XX/XX/XXXX    XXXX   with  instruction to call another department called the  XXXX  Department I followed her instruction and was not able to achieve any progress at all, I ended up getting transferred fro m one department to another with no avail and no solution in site. I was on the phone for one hour and 40 minutes ending up with an email that one of your co lleague emailed you on my behalf for you to call me back.  <P/> I would like to recap the facts : From loan inception date d in  XX/XX/XXXX , the loan was paid on time, never late or delinquent.   <P/> Just rece ntly in  XX/XX/XXXX  I was laid off from work for and for no fault of my own. I contacted Wells Fargo for assistance and was led to believe that no worries Wells Fargo is here to help and assist.   <P/> I was in contact  with Wells Fargo trying to g et the loan modified so I do n't lose my house as it is my primary residence and in addition all documents requested was faxed promptly with no delays.  <P/> I have been unfairly treated by th e Wells Fargo in time of need. I was looking to Wells Fargo as my savior to reestablish my loan payment and regain my good status. Or at least Wells Fargo should have some for forbearance on the 4 payments balance which is due to loss of my employment. But, I did not receive from Wells Fargo any assistance or detailed copy of the   modification nor how the loan will be calculated according to what you have told me that the loan will be recalculated over 40 years and lowering the interest. I was advised that my loan is going into foreclosure and that is really terrible for me and my family.  <P/> This leave me no choice expect file a complaint against  Wells Fargo with the Consumer Financial Protection Bureau CFPB to plead my case and save my home.   <P/><P/>  XXXX  and  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX, 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX, 15U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2also states a consumer reporting agency can not furnish a account without written instructions. IDEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVEPROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MYCREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB
Product: Credit reporting or other personal consumer reports

I have two collections accounts that is not mine. I have contacted Transunion for this account to be removed off my credit report. No response and investigation was intital. These accounts are hurting my credit profile. 

XXXX XXXX {$360.00} XXXX XXXX {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found after checking a copy of my credit report I noticed some inaccurate information reporting fraud-related accounts that were opened without my knowledge or consent. I have made contact with all parties involved and this account still remains on my credit report. I have submitted several pieces of supporting documentation to further validate my claim. I am exercising my rights under the FCRA and FDCPA in regard to victims of identity fraud. I've never had any account or contract associated with the Bureaus Inc nor received any goods, services, or money in relation to any account associated with the Bureaus Inc.
Product: Checking or savings account

Several checks and cash were deposited into my Wells Fargo checking account via ATM deposit and both local checks and cash were held for an abnormal length of time. Cash deposits are usually immediately available, but not during this time.. I was even threatened to have both my checking and savings accounts closed after over twenty years without any prior issues, overdrafts or low balances. Also, existing funds were held during this time and I could not access accounts online to transfer money or even review my account.
Product: Credit card

I am writing to file a formal complaint against Alphaeon Credit for several issues, including excessive interest charges, poor customer service, and problems with the statements they provide. 

In the winter of XXXX I applied for an Alphaeon credit card, which was advertised with a 0 % promotional interest rate. On XX/XX/year>, I logged into my account to pay off a balance of {$4900.00} in order to avoid any interest charges. However, when reviewing my account, I found an interest charge of {$2100.00} had been applied, which I believe is excessive and unfair given the promotional offer I was under.

I immediately contacted Alphaeon Credit 's customer service and spoke to five different representatives that same day. Unfortunately, none of them were able to resolve the issue or reverse the charge. I was informed that I missed the promotional deadline by one month, but I was not clearly notified about this deadline in advance, nor was I given the chance to correct it before the interest was applied.

In addition, Ive noticed two other concerning issues with Alphaeon Credits practices : Statement Charges : Alphaeon Credit charges a fee of {$2.00} for paper statements, which I find unreasonable. 
Incomplete Email Statements : The email statements I receive do not include full details of my account or balance, making it difficult for me to track payments and fees properly. This lack of transparency is frustrating and adds to the confusion. 
As a result of these issues, I am now facing an unjust interest charge on top of my balance, and I am being forced to repay the loan again with no clear guidance or help from the customer service team.
Product: Debt collection

I keep getting phone calls, 3 per day, from what appears to be a local phone number. However, when they leave a message it is a computer voice saying they are trying to locate me and if I don't call they back they will contact all references on file. They leave the call back number XXXX. The call reps answering the phone at that number are rude, threatening and refuse to stop calling. Apparently there is some " debt '' I owe that they are trying to track down. I recently bought a house and the bank thoroughly checked my credit. I do NOT owe any money. I need these harassing phone calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking through my XXXX  XXXX  I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call me.