23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They are refusing to acknowledge my written verification letter sent on XX/XX/2024. No valid or competent proof of obligation to pay on this alleged debt that I do not acknowledge. How much was the debt purchased for? How was information that's illegal to sale provided?
Product: Checking or savings account

In XXXX of XXXX  I had tried to transfer money from my Marcus savings account at Goldman Sachs to an external account at XXXX XXXX. It was a small amount and generally would be transferred in a day or two. The never transferred from Marcus to XXXX but I did see that the transaction was reversed ( or didn't go through ). 

I didn't really think much of it and funded my money from a different account and went on with life. 

Fast forward to about XX/XX/year> and I saw that my account at XXXX XXXX XXXX XXXX charged me for an insufficient funds fee when I had a monthly payment deducted from that account but didn't have enough money to cover it. Upon further investigation I realized that Marcus by Goldman Sachs hadnt sent my pre-existing setup monthly transfer from Marcus to XXXX. 

I called Marcus to let them know about this issue I saw and they told me my account was frozen. I said how can you freeze my account without notifying me about it by making a warning message or alert when I logged in to their account online either via web or their app. They couldn't explain it other to say " we called you but you didn't answer ''. 

I told them I never received a call and didn't think it was right they could freeze my account without making me aware of them doing that since I had been a customer for many years and I had a monthly transfer setup to XXXX for about 1-2 years without prior issues. 

I asked them to refund my fee from XXXX since it was their fault they didn't transfer my money. They asked me to get the following information and mail it to them, which I did : Statement, my last name, purpose of fee, etc Goldman Sachs bank USA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Case : XXXX ** Mailed on Tuesday XX/XX/year> from XXXX XXXX They ended up denying my request for reimbursement. I called them up and asked them why and they said " because we had called you ''. I reiterated to them that I never received a call nor did I see any warnings, statements, us mail or alerts that my account was frozen. They said sorry this decision was final. 

I voice my frustration with the person on the call but literally felt like Goldman Sachs is making XXXX  of dollars in their banking services but can't even refund a long time customer for a fee that was the direct result of an action they took on my account without successfully notifying me of an issue. 

Today, months later, I was watching a XXXX show about a bank called XXXX and people being scammed and they suggested to contact the XXXX XXXX  for help. I thought maybe there is something like that in the USA where I can get help and did a search and found the CFPB.
Product: Debt or credit management

how can a loan be sold out to so many places an tack on all these fees and change original contract went from XXXX-bayview-community-XXXX XXXX  XXXX expecially when my loan/lien was released through XXXX
Product: Debt collection

I have tried on several occasions to dispute a debt with XXXX XXXX/Jared that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware that this account that was disputed with the credit bureau when it was only an inquiry. The inquiries were deleted and marked as Fraud. However, I was never advised or notified that the account was never closed after the credit bureau notified the creditor that the inquiry was fraud. I disputed the account with all 3 credit  bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX/Jared The Galleria and XXXX XXXXJared. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Texas is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Prepaid card

I have a rushcard ... they were having some kind of technical work done on the cards I guess switching them over XXXX, now I 'm unable to use my card that my child support payments are deposited on. I need to know when will I be able to use my card again.
Product: Credit reporting or other personal consumer reports

Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( 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

My debit card was stolen on XX/XX/2023. I found out that it was stolen the morning of XX/XX/2023 ( along with my vehicle and I have a police report confirming this and that my wallet was also stolen as it was inside my vehicle ) and called Wells Fargo immediately to report that my card had been stolen and used. I reported the fraudulent and unauthorized transactions. 10 days later, Wells Fargo notified me that I would be responsible for the unauthorized transactions. This is clearly unfair, unsafe, and unsound banking practice, as I trusted my bank to protect me against fraud and their investigation is clearly flawed as my debit card was stolen and I did not the authorize transactions that I reported to Wells Fargo as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Transunion on XX/XX/2022, they never addressed the bankruptcy which I provided paperwork from XXXX. The addressed the other issues but not removing the bankruptcy which I have legal documents from XXXX and the Bankruptcy Court as well. I'm still unsatisfied with the results with the issues that they addressed in on XX/XX/2022. Transunion is overlooked this matter and they lied a couple months of ago about receiving the certified mail. I'm addressing the bankruptcy issue again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt amount of {$720.00} that your company did not efficiently investigate, after three separate attempts, and determined I owe. After reviewing my payment records, I have identified discrepancies indicating that this amount is incorrect, as my payments have not been accurately accounted for. The payments I made are as follows : Payment Date : XX/XX/year> Amount Paid : {$120.00} Method of Payment : Cashiers Check Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure. I believe that your companys actions may constitute negligent noncompliance under the FCRA. Therefore, I request the following : 1. Detailed Accounting : A comprehensive breakdown of the alleged debt, including how the amount was calculated. 2. Supporting Documentation : Copies of any documents that substantiate the claim that I owe this debt amount. 3. Correction of Information : Immediate rectification of any inaccurate information reported to credit bureaus regarding this disputed debt. 4. Cessation of Collection Activities : Suspension of any collection activities related to this disputed amount until the matter is resolved. Please provide a written response to this dispute within 30 days of receiving this letter. If your investigation confirms that the debt is incorrect, I expect written confirmation of the corrected balance. If you find that the debt is valid, please provide a detailed explanation and supporting documentation. Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. If you have any questions or require further documentation, please contact me directly at XXXX. Sincerely, XXXX XXXX
Product: Prepaid card

My employer informed me of a request for unemployment benefits using my information. 

I called XXXX and informed them of the fraudulent request. 

They assigned case number XXXX and said it was " taken care of ''. 

I just received a " benefit payment option '' notice in the mail from Moneynetwork.com Moneynetwork can't be reached. ( My information is not in there system - so they say ) XXXX 's online fraud reporting system gives an " ERROR '' when I hit the submit button. 

I need to confirm if a claim has been made in my name. 

Any support is appreciated. 

Thank you-
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX wired {$53000.00} to Bank of America to pay off a fixed second mortgage loan. As of today, XX/XX/XXXX BofA is still showing the loan unpaid, outstanding and past due. They can not confirm that the money has been recieved. 

I have spent hours on the phone to have them confirm payment and each time they dont know. Average wait time are 1.5 to 2 hours each time. In addition my XXXX XXXX has reached out and they are having no luck. 

I am concerned that {$53000.00} is missing and my credit will be impacted. 

Information on Wire : Date : XX/XX/20 XXXX XXXX Fed Number : XXXX XXXX Loan Number # XXXX XXXX as indicated on payoff letter. 
Bank of America Att : Payoff Department XXXX, TX XXXX Routing ABA : XXXX Account # : XXXX Loan account number on statement prior to XX/XX/XXXX : XXXX XXXX XXXX Loan account number after XX/XX/XXXX : XXXX ( they change the loan number )
Product: Credit card or prepaid card

I set up an automatic payment with the company but they never charge me in that automatic payment and they also reported late payment when they havent charged with my automatic payments
Product: Credit reporting

My issue with the Transition is unauthorized inquiries added. 
Their costumer service would not help and take care of the negative inquiries reporting on my credit report. Please help me ... Thank you
Product: Money transfer, virtual currency, or money service

Firstly I have been on hold now for over two hours with PayPal. PayPal put limitations on my account, I have provided all the documentation they required and each time I ask when my issue is going to be resolved another 72 hours is added. I am closing on a house on the XXXX of XXXX, My sister sent me {$3000.00} to help me with closing costs. The day I received the money, PayPal put a restriction on my account. I called them, I submitted every bit of information they wanted but still they have not lifted the restrictions. They have held my money for over 5 days, and they will still hold it for another 3 before releasing it into my account. Time is really what I do not have, I need that money urgently. My sister even called them and also wrote to them countless times. Why are they refusing with my money when both the sender and the recipient have provided all the details they need? Now they do not pick up my calls, do they flag people that call too much? People that annoy them because all they need is their money? I dont know what else to do, I have begged, I have cried for what is rightfully mine. They charged my sister an exorbitant amount in charges and still they are holding the money? I know it benefits them as a financial institution to hold peoples monies for as long as possible but they have to also realise the amount of damage and pain they are inflicting. I am appealing to their humanitarian side to to please help me with this. As I am typing this message, I have passed the 2 1/2 hour mark and no one has picked up my call. Can anyone on this forum please help me. My Reference ID : XXXX
Product: Debt collection

I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, Trans Union and XXXX. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.
Product: Credit card

In a response from Amex on XX/XX/XXXX, they said they confirmed XXXX XXXXXXXX XXXX XXXX is a part of XXXX XXXX affiliate to XXXX XXXX. The amount of that charge made at the aforementioned property is {$63.00}. 

Then they mentioned that they reviewed other transactions and was unable to locate any other qualified charges that would meet the minimum spend of {$250.00}. This is not true and they need to recheck the fact. 

Either they were reviewing the wrong account or they were doing it wrong. Im listing the other qualified charges below : THE XXXX XXXX XXXX XXXX XXXX FL {$80.00} XX/XX/XXXX XXXX XXXX XXXX AZ {$110.00} on XX/XX/XXXX All the transactions are totaled $ XXXX $ XXXX {$110.00} = {$250.00} which meet the requirement of minimum spend of {$250.00} in one or more purchases. 

Again, the unprofessionalism I referred to is this constant behavior of having conflicting statements by playing catch me games. They should issue that {$100.00} credit instead and keep their promises to their customers.
Product: Debt collection

The company is called National Account System of Omaha, LLC and their address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have verbally and in writing to response to their request for verification of debt letter and all invoices and bills. I have been asking since XXXX, XXXX the very day I found out about this. As of XX/XX/XXXX, I have received no bills and no validation of debt letter and no verification of debt letter. The only thing I have gotten from them is lawsuit dates for court hearings. I've been to court twice and still nothing from them to verify this debt.
Product: Credit reporting or other personal consumer reports

TransUnion is in violation of multiple laws set forth by Congress in regards to the following Account XXXX. 
15 U.S Code 1681i ( 5 ) ( B ) ( ii ) states " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' This account was removed five different time and reinserted in my consumer file with no notice.

I have attached proof that this account was removed on five different occasions. 
PLEASE REOMOVE THIS ACCOUNT FROM MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX  XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Debt collection

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION.

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX  years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS