23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.
Product: Credit card

I requested my Truist Visa credit card closed in XX/XX/2023. 
In XXXX I got online banking statement showing bank had paid XXXX automatically after I had canceled the accountthey refunded that to card In XXXX they made the same error! When I called and said card should have been CLOSEDthey returned money to account and said that now had XXXX balance they could be sure card was closedXXXX XXXX.. 
Then in XXXX they allowed someone to transfer {$8000.00}. Out of the CLOSED credit card without my knowledge or permission Since that time I have called the Truist fraud departments and credit card dispute departments over 12 times!, ,I also filed fraud report with XXXX XXXX XXXX XXXXHe was able to trace the source of the fraud to XXXX XXXX, ,but due to it being out of the country he was unable to pursue. 
Sheriff told me Truist was responsible from the beginning due to them not closing the credit card when I originally requested account closed. 
Since then Truist has established another credit card in my name and without my knowledge and put the {$8000.00}. and almost another {$1000.00}. in late payment and interest charges on a card I dont have. Detective suggested that Truist had committed Identity Theft when they opened credit card in my name without my knowledge!!! Truist will not return my calls and my credit score has dropped over XXXX points since this started.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX  - XXXX - {$7900.00} XXXX - XXXX - {$4500.00} XXXX XXXX XXXXXXXX  - XXXX - {$530.00}
Product: Mortgage

I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.
Product: Debt collection

This debt is null and void as it is no longer valid per FDCPA
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX XXXX Account number XXXX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, FL XXXX Dear ( XXXX XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Product: Debt collection

XXXX XXXX XXXX placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent check n go loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX XXXX XXXX XXXX Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with check n go. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to XXXX, XXXX, and Experian. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.
Product: Money transfer, virtual currency, or money service

Cash app took money from my account without my permission. I had funds that were not credited to my account. They have nobody to speak with about this matter.
Product: Checking or savings account

I have a balance on my old account with Chase that was closed due to inactivity. It could be 10 years ago because I was unaware. The account was connected to my XXXX XXXXXXXX XXXX  account and when I transferred my investments over to XXXX XXXX, I saw a notification of this existing account that requires managing. Since it's inactive, I can no longer access this account. I have no information of the account number and all XXXX XXXX shows is the last four number XXXX. I came to a Chase bank right away to figure how to manage the funds showing which is {$640.00}. Rep said they ca no longer pull up my account because it's over XXXXwo years old. She said, it should be in unclaimed property. It is not. Two more bank visits and 100 calls to their customer service number later, I still don't have answers. They want me to go/talk to to JP Morgan in XXXX XXXX XXXX They take down my number at the bank but no one has called. I haven't been provided with a dept who can help me. I get bounced around and get transferred to XXXXXXXX XXXX call center regardless of what number I call. I have to repeat myself again and again and again without no resolution. I had to explain that they can't pull up my account and the only info I have is the last four numbers of the Checking account. They insist on getting my Social Security # each time and now I'm afraid my SS will get compromised. Please let me know if there's any other information I can provide to expedite a contact with them. Thank you.
Product: Credit card or prepaid card

company name : XXXX XXXX XXXX XXXX  XXXX US {$2100.00} on XX/XX/2020 CITI BANK CREDIT We received your documents We'll update you once the investigation closes Thank you for providing additional documentation were reviewing your case details Thanks for getting back to us with more information about your case. Its all under review, and well be in touch shortly. 

CONDITIONAL CREDIT APPLIED This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Conditional credit applied Case ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was renting a home in the block of XXXX XXXX XXXX in XXXX we came to and agreement to vacate the property l did and l have the letter from the court stating XXXX balance and the creditor is the landlord and he wont take the judgement off and he is not holding up his end of agreement and l have the documentation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights. REPORT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

12 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there. 

Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX   complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.
Product: Student loan

I am in the midst of dealing with setting up my IDR plan to reflect my true earnings, as my current plan is reflecting income no longer received that was taxed in XXXX, but earned in XXXX. This is compounded by the fact that my child support was doubled this year in XXXX, despite having a split custody/shared placement arrangement. Needless to say, this has resulted in a further reduction of income, which I have been contending with as I struggle to also arrange payment to the IRS for a large tax bill, also due to the previous year 's earning from XXXX. 

I NEED ASSISTANCE FROM THE LOAN SERVICER. I have contacted FSA and made another change request to the IDR plan that was on file, as I am not able to make the payment as listed on Nelnet, and I have not been able to get through to them.

I was provided with an update from FSA that the change would be reflected in up to XXXX weeks with additional correspondence from the servicer. I have attempted to reach out to Nelnet several times last month in XXXX, and now a few times in XXXX. Each time I am put on an incredibly long hold, never to speak with an advisor or agent, despite being given a " XXXX minute wait hold. '' This is absolutely unacceptable and quite frankly a little ridiculous. Until I am able to review my payment plan and submit my updated income information, which I have been attempting to do since XXXX, I refuse to make any payments.
Product: Credit card or prepaid card

I ordered a monitor on XXXX, but the package arrived damaged. So, I returned the package through XXXXXXXX XXXX XXXX  pick-up service. After XXXX  picked up the package, I was given a return confirmation paper. However, even after the package was delivered to the XXXX return warehouse, they did not issue my refund. I raised the first dispute, but it failed. After contacting XXXX, they told me I had to wait 60 days since the return before receiving a refund. Frustrated, I started a second dispute, but it also failed. When I contacted XXXX again, one of the supervisors informed me that they had already issued the refund. However, due to the open dispute, the refund got blocked. They advised me to contact my bank and ask them to resolve the dispute. So, I submitted all my evidence, including the email from XXXX stating they received my package and would issue the refund. Despite presenting strong evidence, my dispute failed once again the latest dispute id XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up to my previous complaint that contains this erroneous account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wan the account to be removed to my file immediately, it is fraudulent and misleading
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Payday loan, title loan, or personal loan

I opened a line of home equity credit with Wells Fargo. 
My borrowed amount is approx, 13,000..they have added XXXX overdraft protextion. 
I now owe XXXX I want to pay off the loan and I feel the final payment is extortion. 
I was never explained the over draft policy. Wells fargo has opened up an a second checking with out my consent.. They withdraw XXXX and add it to the bill..please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax complaint was closed because I was mistaken for a repair company which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX of 2022. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX 3x {$20.00} charges made on a card we do not physically have and thought we had closed. we had not used the card in over 2 years. XXXX was at work and I was out of town when these charges were made to XXXX, so neither of us had access to a computer and know nothing about this website. We would not have use for online gaming purchases since we do not game online. We disputed the charges on XX/XX/XXXX by calling, filling out a fraud report. We do not have the physical cards or an online banking with Capital One. They closed our account. I called XXXX, our " investigator '' at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and left messages since he has not bothered to call us back. We have sent a written response 3X, 27+ pages, and have not received any acknowledgment of these 3 written letters. XX/XX/XXXX we received a letter stating we were responsible for the charges, {$20.00}, {$20.00}, {$20.00}, {$25.00} late fee and {$1.00} interest. Capital One re-opened XXXX 's account with a NEW number and have not sent the physical cards. We were not aware that Capital One can open a credit card THAT WE DO NOT WANT. This was done on the XX/XX/XXXX - XX/XX/XXXX statement. We have called, closed the account once, disputed the charges and sent documentation to back up our claims, and requested statements on the account from XXXX - XXXX that we do not have records for. We do not have the physical cards, were not using this account we had thought was closed and have no online banking with Capital One. They have REOPENED a credit card without our permission. Is this even legal? They will not respond to our attempts to contact them. HELP!
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Capital One direct deposit still not in my account street they said it would be fixed. I have payment agreements that come from that account. I also can not pay my utility bills or car payment and now am at risk of vehicle repossession. My family is trying to financially recover from a layoff last fall. I also had appointments that require payments that I now can not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX
Product: Debt collection

I have never given this company my work phone number as I am not only not permitted to receive personal calls while working, but also I was not employed by them at the time that I was in school. 
I have asked to stop calling my work phone and they repeatedly call the receptionist to be transferred to me.
Product: Checking or savings account

I am writing, to file a complaint aganis Navy federal credit union regarding Multiple Overdraft fees I have occured. Despite having sufficient fundswhen transactions were authorized. I was charged fees due to lagging posting of charges and Credits. I believe these acts were unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.