23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/year> I was contacted by XXXX XXXX through voicemail and a text message that threatened to call a probation XXXX if I did not return the vehicle If XXXX not mistaken a finance company threatening to contact your probation XXXX solely because you haven't returned a vehicle could be considered a form of harassment and potentially illegal, as it could be seen as an improper attempt to leverage your probation status to collect a debt ; consult with an attorney to fully understand your rights and options in this situation. Highly illegal... .look it up There was also a voicemail left from the same number that they claimed has no association with them. Demanding the car back and stating the same thing that was in the text Attached to refresh your memory XXXX has been transcribed XXXX I said... highly illegal
Product: Debt collection

Premium Asset Services LLC has violated multiple sections of the FDCPA Act, including threatening to pursue criminal charges due to " fraud implications attached to my file ''. Further the company and a very rude, threatening man going by the name of " XXXX XXXX '' has contacted several of my current and also former worker places, along with my father ( he also claims to be an attorney ; if he is, he should be disbarred ). He continues to do so, despite being told not to call. Additionally, I have requested documentation indicating that they own the debt and it has not been provided. Actually, I have a letter from another company indicating that they own the debt. I have been scammed by companies alleging to own debts that they do not.
Product: Debt collection

XXXX XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX contacted me by phone and said I owe {$2000.00} for a delinquent credit card balance. 
I have excellent credit and have never missed a payment so this sounded fishy. 
I called HSBC and they did a search under my SS # and have no record of me at all. 
They threatened me that if I didn't pay I would have to take it up with the judge. 
I never received any certified letters at all from them witch is probably the first step to recover a debt i'm sure. I was very close to paying a {$1300.00} settlement when I decided to check to see if the debt was real because I never recall having a HSBC credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$240.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$750.00} XXXX
Product: Debt collection

I had a vehicle that was charged off on or around XXXX of XXXX by GMAC. This debt was sold or obtained to Ally Bank at some point. They are stating that the debt was last past due on XXXX of XXXX which is almost 4 years after the occurrence. I have reached out to them several times and seem to not see the error. Re-aging of consumer debt is a crime and is negatively affecting my credit.
Product: Debt collection

Spoke to National Credit Systems about an apartment eviction account. Informed I never lived at the address, never applied for an apartment or cosigner. The date of birth on their record does not match mine nor does the drivers license number they provided. They refuse to validate the debt or provide me information about the original creditor. 

They told me I had to prove I did not owe the money by mailing them a copy of my drivers license and social security card and a fraud affidavit to them explaining I did not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the only one that can verify or validate anything my credit report. I was never contacted in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account through the department store XXXX XXXX in XX/XX/XXXX. I had made a one time purchase when opening my account at the store and was told that I would be receiving a card as well as statements in the mail for billing purposes within a few weeks. As weeks went on, I received nothing in the mail and continued to wait with no luck. When I finally got a call from XXXX XXXX requesting payment on XX/XX/XXXX, I explained my situation that I still have yet to receive my credit card as well as any statements. I expressed my concern in regards to never receiving a card, but would be happy to make a payment over the phone. Whomever I spoke with apologized for the mix up, verified my address and said they would send out another card. After a few months with no statements or card in the mail, I receive another call from XXXX XXXX on XX/XX/XXXX requesting payment. Once again, I explain my situation to the representative that on numerous occasions I requested a physical card and statements and never got anything. I paid the remaining balance on my card and was told one again, that a new card was being sent. As of XX/XX/XXXX, I officially obtained a physical card and was able to activate it online. 

I am in the process of applying for a mortgage for my first home. My credit was pulled on XX/XX/XXXX, which showed that I had a derogatory mark on my credit from XXXX XXXX in XX/XX/XXXX. I called XXXX XXXX that day to dispute and explain my situation, and was told by a representative that she had handled the situation and that the derogatory mark was being removed from my credit report. I was also told that a letter stating action had been taken to remove the mark would be sent in the mail within 7-10 days for me to show my mortgage broker in regards to a rescore to secure my mortgage. I have followed up many times after XX/XX/XXXX, with confirmation that the letter was still in the process of being sent out.

On XXXXXX/XX/XXXX, a letter was received but had no indication that any action was taken place in regards to removing the derogatory mark. 

I called XXXX XXXX once again on XX/XX/XXXX expressing my concerns and was told that whomever I initially spoke to, misinformed me of what she actually did and nothing had been removed from my credit.
Product: Debt collection

I been receiving numerous calls from kohls to collect on past due amount owed, they call at different times with local numbers but leave a voicemail with their direct number. I been paying monthly payments of {$25.00} but i could n't catch up due to monthly late fee of {$35.00} due added every month on top of the {$25.00} not being the past due amount. They been emailing me as well collection emails which i did not consent too. I finally responded to one of the emails in regards to offering a low apr/no late fee/low montly payment which i received a couple of these telling me my options, I called on XXXX/XXXX/XXXX i received the email on XXXX/XXXX/XXXX i specificcally called on these options offered via email, the representative advised me he could n't offer me the options only a settlement i advised him i cant do the amount of the setllement i wont be getting paid till XX/XX/XXXX i will call you back if i can come with the amount. he said ok. So i called yesterday XXXX/XXXX/XXXX im told my account has been charged off and my options expired on the XXXX/XXXX/XXXX they acknowledged my call in regards to the options emailed on XXXX/XXXX/XXXX but since it 's been charged off i no longer qualify. I felt misled and false misleading information on their behalf as well with the calling with local numbers more than once a day is ridiculous when im making as best to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates that inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my XXXX XXXX be adjusted accordingly : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Mortgage

XX/XX/XXXX : Problem with Loancare at XXXX XXXX XXXX, XXXX XXXX, VA XXXX - Investor Accounting I received a notice on XX/XX/XXXX indicating I was due an escrow refund of {$2400.00} for loan number XXXX. 

Loancare asked that I send in the attached form. I sent the response on XX/XX/XXXX ( aproximately ) via fax to the number listed on the letter and kept my confirmation that the fax was indeed sent successfully. 

Got an email confirmation from XXXX XXXX ( from Loancare ) of receipt of the fax indicating that my payment should be received in ten business days which would have been XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received the escrow refund. I have attempted to contact XXXX XXXX by phone and email over the last ten days numerous times without a response. My hope was to get an estimated date for the refund. No response was received. XXXX XXXX has been ignoring my repeated attempts to make contact. 

I am hoping the bureau can help resolve this matter.
Product: Checking or savings account

The instructions were clear on the bank for XXXX payments of {$3500.00} or less. 

I transferred some funds that I needed for work. I was unable to complete the work because Citi would not release my funds being deposited into their account from XXXX. 

The money clearly showed as released from the other bank. This holding of funds was against all documentation advertised. I lost the job that was not completed while the bank sits on my {$3000.00} earning interest with my funds in limbo. 

This is a predatory tactic on the bank not honoring policies in place where they can use people 's money as " risk '' or some nonsense. They tie up peoples monies for extended time frames and earn millions in money market funds daily off of small people needing money for real things in life. 

The cost in damages for my funds not being released instantly as stated was equivalent to the amount being put on hold. I lost that work and now my business reputation has also incurred intangible damages in goodwill as now my yelp rating is lowered thus impacting future business opportunities/business value. 

I needed that money to purchase tile at Home Depot and now the client is upset, I couldn't lay the tile, can't pay rent and got a XXXX Star on XXXX The job paid double of what the cost of goods was. The XXXX star XXXX review because these funds weren't released as advertised likely cost my business XXXX 's of thousands of dollars.
Product: Debt collection

I the consumer pursuant to title 15 U.S. Code 1692a ( 3 ). I requested verification of unverfied debt pursuant to title 15 U.S. Code 1692g ( a ) ( 4 ) and title 15 U.S. Code 1692g ( a ) ( 5 ) and have not received a proper response. DISCOVER has continued to attempt to collect the debt despite failing to adhere to Federal Code.
Product: Checking or savings account

I requested the user agreement that I and my alleged joint account holder signed that would allow the joint account holder to make transactions on my account. Since that user agreement with both account holders name printed and signed was not provided by PNC BANK I am demanding that PNC bank remove the record that it furnished to XXXX XXXX XXXX  which total {$14000.00} from my consumer report. Not only that but this account was opened fraudulently by a PNC BAN representative as a business account and not a regular checking like I thought when I initially opened it.
Product: Debt collection

XXXX closed their business in XX/XX/XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XX/XX/XXXX and XX/XX/XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XX/XX/XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, XXXX XXXX took over the account and claimed that I owed XXXX dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed GE Money bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with XXXX XXXX or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XX/XX/XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
Product: Mortgage

I called to explain what was going on and I had been put in Covid protocol for my company and I needed help. I received a XXXX check I didnt know what to do and I was behind I know Im not trying to avoid you all but I was having a hard time with my kids not being in school having to have to buy computers for school I have XXXX including my self to be able to work from home. I didnt know what to do or where to go so I did. I was told by each person I talk THAT HAS NOTHING TO DO WITH THE ME MAAM. Wheres your husband she said I sai my is sick XXXX XXXX XXXX to his feet. She said WELL HE NEED TO GO GET A JOB CAUSE WE NEED OUR MONEY maam. I said maam he cant Im doing what I can to provide for my family. I was in front of my corporate boss they called my job. Having to get computers and food to keep my kids feed and school. I said I cant maam but what about your anything to help us. Its not my fault your an irresponsible parent and got your priorities mixed up but we need our money! You have five days to get out! My boss made me hang up! That was very embarrassing and degrading Im a supervisor at my job. My bosses offered me and my leave to live with her family. If I could afford to get out I would being racially harassed in place my has been chained egged trashed and more! Ive been XXXX  since this call I need help but cant afford it Please HELP US ANYBODY! Im scared
Product: Credit reporting or other personal consumer reports

i sent XXXX ftc police report and data breach affidavit in the mail over 2 months ago claiming Naver received two address of fraud on same street XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are link to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all fraud accounts my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Theyve zelled me an amount last year but I was unavailable to recieve the money until 1 week later - due to the amount. The bank stated for security purposes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  opened a credit line under my name and reported it to the Credit Bureaus. I did not authorize this. I immediately contacted XXXX and stated my case. The account status is now closed but it should be on my credit report at all. A closed account on my credit file still brings my credit score down XXXX points or so. Please insist XXXX removes the closed account from my credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted equifax several times since XX/XX/2019. They are able to verify my identity over the phone, but the website does not allow me access to my reports or the dispute center because the identity verification process asked me questions that were irrelivent to me like where did you open a mortgage account what is the monthly payment on this account etc. Equifax has completely locked me out of accessing my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C.
Product: Credit reporting

The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX
Product: Credit card or prepaid card

My social security number and address was used to open various credit cards
Product: Credit card or prepaid card

{$260.00} plus accrued interest. 
Date : XX/XX/XXXX. 

Actions taken : Contacted the bank ( Bank of America ) multiple times, had assurances that the amount paid would be reflected in our statement. We had paid through the ATM ( as is recorded ) and the machine took the cash, yet we were not credited for the payment. After a month of being told that we would be credited to our account, we were told in a letter that we would not receive any credit for our payment made.

Actions taken by company : nothing ( other than lying and stealing our money ).
Product: Checking or savings account

XX/XX/XXXX I was told from Venmo that I had to send my ID for verification to verify my account. I sent my ID over but Venmo said didnt receive my ID so they told me to reply to email with my ID and I did they told me it would take them 3-5 business days to verify me. The next day they texted me and said they will be closing my account due to suspicious activity on my account and holding my funds for 180 days. It didnt make any sense because i verified and did everything they ask me to do to verify my account, customer service stop replying to my email because they decided to close my account. Im not understanding why my funds are being held if I verified everything ok my account. They are currently holding {$710.00} and its the holidays. They held my money since XX/XX/XXXX I beg and plead told them that it was my rent money they didnt care I got evicted now Im out of place. I just want my money back and I will no longer or recommend anybody to use Venmo ever again. I read so many complaints that they took so many people money.
Product: Checking or savings account

I was charged for transactions that didn't occur or weren't authorized by XXXX  and wells fargo allowed them to charge me over {$4900.00} in three days. I had made a few authorized charges from XXXX XXXX but not {$4900.00}! 

Most of the charges look like duplicates of the original charge, there are dozens of ont charge {$160.00}. Why would anyone need a dozen of the same thing in such a short amount of time? SOmething shady is going on at XXXX and Wells fargo allowed them to charge me erroneously and fraudulently. 

There's no justifiable reason to charge {$4900.00} to an account in increments of {$160.00} over three days other than fraud. 
I am attaching a copy of my bank statement showing the charges.
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 Experian 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.

I am filing this to report one fraudulent account appearing on my Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an insurance account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that the items be removed from my consumer credit reports. The following wrong addresses must be deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The following Inquiries must also be deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.