23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I placed an order for landline phone service in XXXX of 2021 and was told by the representative that this was a service offered. At the time I started a work from home position that required landline only phone service. I was very clear that it had to be landline not XXXX XXXX XXXX XXXX ( XXXX ). The appointment was made for installation and what I expected to be a lengthy visit with an installer coming inside to look at my indoor phone outlet ended up being a notice from XXXX stating that services were on and they then provided me with a working number. I called the representative to try to understand why they did not need to come inside for a landline installation and was then told that I was sent an order for XXXX. I again explained that I needed an actual landline phone at which time they rescheduled another appointment for the correct install. The next install came out and I was advised that they do not offer landline services and it was done through another company. They were not able to connect me with anyone and no one ever connected landline services. The services they did install was never used. I ended up calling XXXX business to setup the landline services needed. I have spoke to them directly and also disputed through all three bureaus. I have asked what I am being charged for and have yet to get an answer. This is now showing as a collections account on my credit and has affected me greatly. I didn't receive the services I ordered and I never used the services that were given. I cancelled immediately and was told that I owed nothing.
Product: Debt collection

XXXX customer service made calls to my phone while I was overseas right after I informed them that my phone was not working. XXXX even informed me that I will not be responsible for any customer service calls that they themselves made to me and when I received the bill, they charged me for calls that their customer service rep made to my phone while I was overseas in the amount of {$260.00}. I have had about XXXX different debt collection companies harass me about this same unjust debt. 
IC System located at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, is the current harassing me now about the same debt from XXXX after they stole my identity from XXXX.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively
Product: Credit card

I have observed unauthorized inquiries on my credit report or instances where applications were made in my name without my consent.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to Cavalry Portfolio Services , LLC for Account # XXXX I refused to pay this alleged debt since I feel it was not validated. Mark this account cease and desist!

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Under 15 U.S.C. 1692c ( c ), If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt the debt collector must cease all communication. 

Reporting to my consumer report is a form of communication. Delete this alleged debt from my credit file, which you are reporting to the consumer reporting agencies, in accordance with the cease and desist notification in this complaint.
Product: Credit card or prepaid card

I received email from Capital one on XX/XX/XXXX that I can get 0 % promotional APR on purchases till XX/XX/XXXX. I accepted the offer. Now Capital one charged interest and saying I didn't accept the offer. Capital one does this to other customer as well. One of my friend also report this. They tweak their system so acceptance is offer is null after some time. They don't let customer know about transaction as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I previously notified Navient that I am a victim of identity theft, and requested that they do the following Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. S 1681 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit card or prepaid card

We were charged for 2 different bogus amounts from something called " XXXX XXXX '' first onXX/XX/17 for {$280.00} and for {$240.00} by CitiCards. They were informed that these were bogus charges, credited us and then claimed that there was " proof '' that they were legitimate charges and then recharged us. 

" XXXX '' is apparantly a XXXX website that is all in XXXX letters -- neither read nor spoken by us! 

I've called and written them but I don't know what else to do.
Product: Debt collection

For the last XXXX or XXXX months in a daily basis I get phone calls from Portfolio Recovery from many different phone numbers. Some times I get as many as XXXX calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX WELLS FARGO XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact XXXX  states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with XXXX XXXX comments that " after investigation, the item remained unchanged and that this meets the FCRA ''
Product: Credit card or prepaid card

I got a call from Capital One Credit card company saying that there was a application put it under my name on XX/XX/2023 and that someone was taking my identity. The card was a Cabelas Capital One credit card that was is Virgina. I told them that was not me and went through the steps with them. I also filed for a dispute with XXXX as well for fraudulent. So far it was not accepted but is now showing as a hard inquiry on my credit report. I did not try to open any credit cards. I do not live in Virgina and do not go to Cabelas.
Product: Debt collection

Sequium Asset Collection mailed a request for a response on a debt from XXXX they intended to collect sometime around XXXX or XX/XX/XXXX. I responded that I never received the internet equipment from XXXX, which can be verified by the tracking number for the equipment shipment. The debt was invalid as I never started service with XXXX at that location. Sequium reported a collection on my credit report anyway. The response to Sequium was made through snail mail, so I did not retain a copy. 

Before Sequium reached out for collections, I had already notified XXXX via email that the equipment never arrived. This happened on XX/XX/XXXX.
Product: Credit card

All access NetSpend sent me two credit cards I did not apply for with an actual credit card number on it and my name and then in order to be taken off of their mailing list and to deactivate this card or remove me from this card they want me to put the card number in over the phone it says it would not activate the card but I didn't want to take the chance This seems a lot like fishing that they would send you a card with your actual name on it and a credit card number through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX ( XXXX ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX. 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within XXXX days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter.
Product: Debt collection

BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefits from these transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}
Product: Mortgage

We prepaid Real Estate Taxes to XXXX County on XX/XX/XXXX. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/XXXX that XX/XX/XXXX RE Taxes had been paid to XXXX County in advance. They did not acknowledge anything. On XX/XX/XXXX we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/XXXX waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/XXXX and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/XXXX. They claim escrow payments will go up on XX/XX/XXXX, they also claim that they know RE Taxes were paid in advance to XXXX County for XX/XX/XXXX but they can not do anything. XX/XX/XXXX RE Taxes were paid to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX thru XX/XX/XXXX and increased escrow payments eff. XX/XX/XXXX based on last year taxes.. 

We received a check for escrow refund for {$3900.00} check # XXXX dated XX/XX/XXXX from US Bank since US Bank received information from XXXX County VA. 

We called US Bank on XX/XX/XXXX. We could not get anywhere with the person who answered the phone in the escrow department. Asked to speak to supervisor, she was of no use. She transferred us to the Tax Department spoke to XXXX ID # XXXX she was no better than the first two persons. They just don't listen to you. XXXX told me that they need to verify from XXXX County VA if they had received the payment from us for the entire year of XX/XX/XXXX. 

We have enclosed printout from XXXX County, VA showing that the entire year XX/XX/XXXX RE Taxes have been paid in full. 

XXXX says they will still collect the RE TAX escrow payment even though its been paid in full by us. 

None of this garbage makes sense. RE Taxes are paid in full for XX/XX/XXXX and US Bank wants to collect RE Taxes for the entire year of XX/XX/XXXX and drag out the matter for months. Its already been six months.
Product: Debt collection

I receive calls daily from this company and after telling them to remove my number from their system they continue to call and get very rude with me and disconnect the call.
Product: Credit reporting or other personal consumer reports

On the day I first made contact with this agency through certified mail, I notified them that I was a victim of identity theft. To this day, the agency persists in including details in my credit report that are a direct result of this identity theft. Under Section 605B, known as " Block of Information Resulting From Identity Theft, '' it is required of consumer reporting agencies to notify the originators of such information, like banks, that the information may have been compromised due to identity theft, and that an official identity theft report has been lodged. I have supplied the agency with FTC report numbers XXXX along with a formal request for a block on this information. Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates that the information providers stop reporting any information identified by the consumer as being the result of identity theft. This stoppage must take place no more than 4 business days after the agency is presented with : ( 1 ) sufficient proof of the consumer 's identity ; ( 2 ) the identity theft report ; ( 3 ) identification by the consumer of the disputed data ; and ( 4 ) a statement from the consumer asserting that the information is not related to any transactions made by them.

I have met all of these conditions, and documentation supporting my claim will be included with this complaint. Nonetheless, this agency has failed to comply with the obligation under the FCRA 15 U.S. Code 1681c2 to block the dissemination of the information I have flagged as resulting from identity theft within the prescribed 4 business days after receiving the necessary documents. This neglect is a breach of the law, rendering the agency liable for willful non-compliance. This includes any real damages I have incurred due to this oversight, as per 15 U.S. Code 1681n.
Product: Money transfer, virtual currency, or money service

i use coinbase since XXXX, there no problem at all, until i try login again at XXXX XX/XX/XXXX i got message, " sorry account temporary disabled, contact support ''. 
then i try to contact support via phone but not help, then i submit a ticket via email and XXXX   also to seek for help but not respon at all until now, my case XXXX when i try to login use my XXXX  use coinbase app, they locked my account i dont know how? 
i try contact support via XXXX  and email but no respond at all until now after this problem resolve with coinbase, i will put my crypto currency in XXXX XXXX  coinbase inXXXX is big company they should priority to customer, without customer there is no coinbase at all