23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the second time, I have been contacted by a debt collector attempting to collect debt or to resolve a debt issue ( I think he said regarding a XXXX card ) with a person who is not me. Once again, I told this person that there is no one associated with my number by that name. The person they are attempting to collect/resolve issue with is XXXX or XXXX XXXX XXXX XXXX XXXX. I'm assuming this is a female with the middle name XXXX. I'm an older male. When I called back to this collector yesterday, I starting asking him who his company is and trying to get detailed information so I could report it. He then hung up on me. I told him again, there is no such person associated with me/my number. 

As for me personally, I have a credit freeze and fraud alert on my account because of past debt collector actions trying to collect someone else 's debt from me. I personally do not carry debt. I pay off my credit card every week. 

The telephone for this person ( according to the message he left his name is XXXX XXXX is : XXXX, ext XXXX ( The number also shows up on my phone as XXXX, XXXX XXXXXXXX, KS )
Product: Debt collection

I hope this message finds you well. I've followed all the necessary steps to address the issues with the disputed accounts. I've contacted the bank, and they claim it's resolved. Law enforcement, through Identitytheft.gov, has validated the identity theft report. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, the ongoing impact of identity theft is causing significant emotional and physical distress, affecting both my personal and work life. I'm reaching out to the credit reporting agencies to ensure this matter is handled properly.
Product: Prepaid card

When I applied for UI benefits my card was supposed to be shipped on XX/XX/XXXX. Way 2 customer service representatives said the UI office had to update my home address because there was no apartment number and the card was sent back. The representatives at the local UI office updated my home and shipping address. Way 2 go customer service is telling me their Systems is not allow them to see or update my home address with the apartment number, they can not ship me a a replacement card. They keep telling because their systems is not showing it they can not send my card. That is unfair because UI systems have my correct address so because Way 2 go bank system is inadequate I can't receive my card with my benefits already on there.
Product: Credit reporting or other personal consumer reports

For starters the address that's used for my criminal background check are all wrong except for one the XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX is not nor has it ever been my address. 

The other is it says I have had. Felony Charge which is completely INCORRECT. I have NEVER had a felony! 

XXXX Name on File XXXX, XXXX XXXX Address on File XXXX XXXX XXXX, XXXX, TN XXXX DoB on File XX/XX/XXXX Charge XXXX XXXX XXXXXXXX XXXX XXXX XXXX Charge Type FELONY Disposition GUILTY INCORRECT!!! 

This false information is going to cost me a job! I just know it! & That's going to cause me & my XXXX yr old son to be homeless!
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX  sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigate XXXX collection l balance : {$2400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  {$2400.00} Account numberXXXX Collection openedXX/XX/XXXXBalanceLoan Amount {$2400.00} {$2400.00} XXXX  XXXX XX/XX/XXXXXXXX Account Info Hover over labels for more details Account numberXX/XX/XXXX Account statusOpen Date opened XX/XX/XXXX BalanceCredit Limit {$1600.00} XX/XX/XXXX {$2900.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Date opened XX/XX/XXXX Balance Loan Amount Payment Info Original loan amount {$5500.00} You have 13 inquiries These lenders have accessed your credit file : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXTenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXMortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2020
Product: Credit card or prepaid card

See attatched Letter dated XX/XX/XXXX refrencing XX/XX/XXXX fraud claim date. Kindly Note statements XX/XX/XXXX through XX/XX/XXXX can be viewed on line. XX/XX/XXXX TOTAL CREDITS APPLIED this period Merchants Credits {$340.00}. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$350.00} {$300.00} My Payment. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$620.00} {$500.00} My Payment {$120.00} Merchants credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$48.00} Merchant credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$450.00} {$200.00} My Payment {$200.00} Merchant credits. XX/XX/XXXX {$910.00}. TOTAL CREDITS APPLIED this period are Merchants Credits. A TOTAL OF {$1.00}, XXXX Merchants paid on ID Theft and I paid {$1000.00} on this ID Theft since XX/XX/XXXX through XX/XX/XXXX. USAA REVERSED MY PAYMENTS AND MERCHANT CREDITS {$160.00} in XX/XX/XXXX USAA REVERSED CREDITS {$1.00}, XXXX in XX/XX/XXXX??? DOES USAA POLICY INCLUDE STEALING MERCHANTS AND MY PAYMENTS WITHOUT APPLYING A CREDIT? HOW CAN YOU REVERSE A CREDIT NOT GIVEN? USAA CLAIMS ALL CREDITS ARE INTERNAL. I understand why they would want to hide USAAs POLICY OF STEALING CREDITS NEVER APPLIED.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit card charges I didnt make and could have not made i was XXXX at the times of the credit cards usage this is public information u can look my name up and see I was XXXX  I did not make none of those charges
Product: Credit card

I agreed to a 12 month no interest term with Discover for {$2000.00} I paid their service fee for the transaction. However, Discover adds this total to my monthly rolling total and charges me interest on it. There is no option to make payments directly to your monthly statement or the 12 month term. They decide where the money is posted. I have made payments above the minimum payment by hundreds of dollars. 

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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX, EXPERIAN AND XXXX XXXX DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : 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 therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and hard inquiries XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

Cash app states that if you have direct deposit $ XXXX each month you are eligible for payday up to 2 days early, Unlimited Free withdrawals at in-network ATM 's, Free overdraft coverage up to $ XXXX on Cash App Card purchases, and 4 % interest on savings*. All of my bi-weekly direct deposits from my employer to my Cash App account dating back to XXXX have exceeded {$300.00} and I am not receiving any of the aforementioned benefits they offer. I called cash app support about this matter on XXXX, and they confirmed I was meeting the direct deposit requirement but did not know why I was not receiving any of the benefits and just apologized.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.these actions have caused a significant inconvenience and financial loss. And i seek appropriate redress for these actions under the EFTA regulation E.
Product: Money transfer, virtual currency, or money service

I've conducted 3 different sales through PayPal through out XX/XX/XXXX for a total of XXXX of which XXXX we're supposed to be returned to buyer by PayPal since they're holding the money. PayPal is requesting that I pay the money back and fined me {$500.00} for not returning the money that they're holding. On the 1st transaction they requested from the buyer to add {$1000.00} to convert my account to a business account. Seller submitted XXXX which I had to return plus {$500.00} penalty despite the fact of my account been charged and money was paid the money is still on hold. I sold another item for {$5000.00} and they once again requested from the buyer to add {$1000.00} which I have to return although I don't have any of the money that they've been holding for a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a Notice of Voluntary Dismissal which was accepted by the court ( see attachment # 2 ).

Transunion refused to provide a response to three ( 3 ) Consumer Financial Protection Bureau ( CFPB ) previous complaints I forged against the credit reporting agency. In each response, Transunion cited " pending litigation '' as their reason for not providing a response ( attachment # 1 ). Although a copy of the Summons and Complaint was NEVER delivered to Transunion or its agent ; legally referred to as the " service of process. 

Considering all, I would like to understand the following : 1. How Transunion deemed it lawful to update the record of the account in question, as identified in the certified letters and in the complaint, although the account was pending litigation. In law, this action is considered spoliation. In a pending or legally foreseeable litigation, evidence must be preserved, not altered. I filed a complaint with the CPFB on XX/XX/XXXX and Transunion responded noting their inability to comment on the issue, citing pending litigation on XX/XX/XXXX ( attachment # 3 ). Conversely, between XX/XX/XXXX and XX/XX/XXXX, Transunion updated to the public record referred to as pending litigation issues XXXX attachments # 4 and # 5 ). If Transunion is unable to respond to a complaint made on the CPFB platform, how is it permissible for their agency to manipulate potential evidence? It should be noted, Transunion made no changes to this public record between XX/XX/XXXX and XX/XX/XXXX, although the public record has been verified as accurate since XX/XX/XXXX ( see attachment # 6. ) Under what law did Transunion determine spoliation was appropriate? 
2. On XX/XX/XXXX, Transunion verified a public record on my consumer credit profile as accurate ( attachment # 7. ) In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX ( attachment # 7 ) ; no such court exist. Adding insult to injury, Transunion currently reports the court for the same account as " U.S. Bankruptcy Court '' through XXXX  ( see attachment # 8 ). How can Transunion report two different courts for the same account after performing a complete and thorough investigation? 
3. Indicated in Transunion 's investigation the " verified results section '' has a XX/XX/XXXX " Date Updated '' entry ( attachment # 7 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect a date of XX/XX/XXXX, not XX/XX/XXXX. Transunion failed to conduct a proper and through investigation. 
4. On XX/XX/XXXX's platform, Transunion 's " Liability '' section is blank, indicating I am still liable for some or all debts discharged in the petition ( attachment # 9 ). Again,  Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable information or it must be deleted. Transunion is in violation of the FCRA.
Product: Debt collection

The same phone number calls every day at XXXX XXXX  and once at XXXX, ALWAYS before XXXX. I have a XXXX XXXX XXXX  XXXX, XXXX, XXXX and several XXXX  XXXX. I have a letter from my doctor to send them to cease and desist as I'm in the process of filing for ss XXXX and am uncollectable. I haven't been able to work since XXXX except for a brief 4 month period in XXXX when i was fired for losing the use of my hands do to still undiagnosed neurological issues. However, when I call them back, they refuse to give me an address. They simply say that they are calling for lawyer XXXX. Just lawyer XXXX, no last name no law offices attached, they won't tell me what the debt is although once I believe I heard amez mentioned before they hung up on me. The last time I called them back on Friday I decided I would call them as they keep doing me until I got some answers which I never did because they just hung up on me over and over and over. One of them finally gave me an email address because I kept telling them I'm simply trying to mail you the letter. I just want to send you this letter so you'll leave me alone. They gave me two false email addresses both were returned so I failed to get them the information due to their lies and make them leave me alone and they are persistent-they called again this morning at XXXX. They told me Friday that they had to the do-not-call block between me and them that I'm not allowed to call them back lol and they're not calling me-and yet they called again this morning. I am UNCOLLECTABLE. I BECAME XXXX  AND LOST EVERYTHING IN XXXX after exhausting my lifesavings trying to pay bills and rent while physically unable to work or keep a job since XXXX. Before this I had a XXXX credit score and paid EVERY bill early for over 20 years. It is devastating to be unable to even care for myself due to XXXX and I'm so deep in debt that as SOON as my XXXX goes thru I WILL BE DECLARED UNCOLLECTABLE. These companies are causing my XXXX, XXXX, and XXXX to become XXXX XXXX  to the point of needing XXXX. They won't stop, or tell me who they are calling at XXXX every day. I simply want to send them this letter so that they will STOP. When they call I am not nice anymore, because of my XXXX and my XXXX  XXXX  that manifests as anger and I can not control myself so when they call me and refuse to give me the address and when I give me the runaround and they start trying to put me down and tell me that I'm a piece of XXXX for not taking care of debts then refuse to tell their address or who they are, the voicemail goes to a manager XXXX XXXX or XXXX. I've tried soooooo hard to get them to stop. I've left her soooo many voicemails explaining the situation and still they wake me at XXXX XXXX  when I've had no sleep. I'm about to be hospitalized for it and need to sue them at this point to stop them.
Product: Checking or savings account

I got a letter in the mail today from Navy Federal Credit Union, which I've never heard of before, with a debit card associated with a savings and a checking account. I have not opened any such accounts. Apparently they did this all on their own without my knowledge or consent. 
I scanned the document with the debit card attached and have attached it to this complaint. I think all the information you need should be on that. I don't know anything more.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a number of account i'm a victim of Identity theft.. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I am not connected to these accounts and did not provide written consent to report the account : XXXX XXXX - Account # - [ XXXX ] XXXX XXXX - Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XXXX XXXX Account # - [ XXXX ] XX/XX/XXXX XXXX XXXX- Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XX/XX/XXXX Inquires- XXXX XXXX  XX/XX/XXXX Inquiries- XXXX XXXX XXXX  XX/XX/XXXX Inquiries-XXXX XX/XX/XXXX Please investigate and provide proof with statements showing that these accounts are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these accounts to be removed as they not mine.
Product: Debt collection

I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act
Product: Debt collection

I received a notice in the mail for a debt I did not recognise. 

I checked with XXXX XXXX  and they said it was fraudulent.