23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Paypal refuses to refund me {$39.00} for a fradulant transaction - XXXX - they are working with a known international scammer - XXXX XXXX XXXX, XXXX  - They preport to protect their users from scammers and ensure each transaction is safe. They are asking me to mail a product back at my expense and the shipping cost more than the product - this is a common fraud technique used by XXXX compainies - The product does not work and is NOTHING as the product is descrobed. Pay Pal is a party to this fraud - Transaction ID:XXXX - XX/XX/2018 XX/XX/2018
Product: Checking or savings account

I have both a checking and savings account with B B & T Bank and my combined totals should be over {$13000.00}. My statements do not reflect my actual balances and when I have gone to the branch to complain, my requests for an accounting have been ignored. 
the acting manager " XXXX '' has refused me access to my funds and I now have been charged hundreds in bounced check fees and late fees when I have more than enough to cover my payments. If it wasn't for my having some cash at home to buy money orders, my bills would not have been paid. 
My account has been frozen and I can't even access an ATM. My monthly Social Security check goes to my checking account and I'm not getting any help from the bank 's customer service department. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE MY DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance - ; XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXX FL XXXX Balance - ; XXXX/XXXX XXXX Balance {$2100.00} ;
Product: Mortgage

I have had a water loss at my primary residence. My insurance carrier paid the loss to me in full however, I was required to sign the check over to Wells Fargo. In order for Wells Fargo to release my money back to me I need to schedule an inspection. Wells Fargo has been unable to get a hold of the inspection company to schedule an inspection. Wells Fargo will not release my money. They owe me over {$69000.00}. 

My claim process from beginning to check being issued by XXXX was faster and more efficient than me trying to get my money back from Wells Fargo. 

I am 70 % complete with my job and have stopped work for lack of funds. I am requesting payment of {$50000.00} immediately with the balance to be paid in 10 days with or without an inspection. 

I sent a letter to Wells Fargo CEO and Board of Trustees 3 days ago with no response. I opened a Wells Fargo Complaint Case # XXXX.
Product: Debt collection

I bought " free sample '' product on the internet, paid shipping. then they charged me {$300.00} or more. I called them, told them I did n't want the product and they gave me an XXXX number to return the product and I 'd get the money back. this was XX/XX/XXXX. In XX/XX/XXXX I get a letter from some saw firm Tate & Kirlin Associates, Inc that I owe money and I needed to send a letter saying that I do not owe any money. I did that. Now I get a letter from the same law firm saying the original letter was wrong and the original creditor was XXXX, which was where i got the original email to return the product. 
I have documentation of all of this and I 'm tired of being harassed with letters saying I owe anyone money. 
I 'm sending the Tate & Kirlin another letter saying I do n't owe anytihing but I was also telling them that I was going to put in a complaint, so that is what I am doing. 
These are Internet scams to get you to but some product for free but you miss the small print where it says they are going to charge you an exorbitant amount of money for the product afterwards. 
I returned the product, made a claim against my credit card and got the credit back. I DO NOT OWE ANYONE ANY MONEY. And I 'm tired of getting these XXXX letters saying I do.
Product: Checking or savings account

Wells Fargo is doing unauthorized withdrawals from my account and closing without informing me. They have gone through all of my disputes and reopened them after closing letters were sent out. They are not issuing credit for returns or fraud. I made an appointment with XXXX but XXXX showed up from XXXX branch and they started doing unauthorized withdrawals and closed the account. XXXX from XXXX illegally plugged my safe box when it was paid. They took valuables out of my box without notifying me. This has to stop.
Product: Debt collection

On three occasions I have asked them to stop calling me at work because I can not take personal calls. They called on XX/XX/XXXX and when I asked why they were calling me at work, they said its because I only respond when they call me at work. I finally read a supervisor who blamed the repeated called on their autodialer. This is an unlicensed illegal lender in my state.
Product: Credit reporting or other personal consumer reports

Some " minor '' credit reporting agencies like XXXX XXXX  and XXXX have started putting inquiry freezes by default and in my case, that's what happened but I didn't know about these companies at all, knowing only the big three : XXXX, Equifax and XXXX. I applied for a credit card last summer and was denied on the basis that a freeze was placed on my account but they didn't specify where. I contacted the big three via their web portals and confirmed that I had no freezes so I contacted XXXX XXXX to run the inquiry again, and again it came back with a freeze on some account. I was urged to try contacting them by phone and I did, they ran it again and it was still frozen so I gave up. That accounts for the 3 hard inquiries in XXXX with XXXX. They I applied for the same premium credit card last week which also happened to be XXXX and same thing happened but this time they sent a letter mentioning XXXX XXXX and XXXX so I did it online, had them try again and it still failed. The rep at XXXX said that sometimes their online portal didn't work and I needed to call them so I did, tried one more time and it went through. Note that I am an extremely active credit customer with an XXXX score and I monitor my activity carefully but my issue is that I contacted Equifax to dispute all but one of the inquiries and ultimately to request that redundant inquiries are removed and they denied it saying " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' This is atrocious. Because other credit reporting agencies had my credit frozen without my knowledge, I have XXXX hard inquiries and Equifax provides no method to resolve this that I haven't explored. The rules need to be changed and I the consumer shouldn't suffer an inferior credit score all because Equifax refuses to communicate with me about it and because 2 fly by night minor agencies did things without my knowledge. Based on my Equifax credit report, XXXX has inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All but one of these should be removed as they were all done for one line of credit. Furthermore XXXX mortgage credit had the same thing on a smaller scale and I have hard inquiries by them on XX/XX/XXXX and XX/XX/XXXX. All but one of these should be removed as they were for the same HELOC application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

Consumer complaint narrative As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt
Product: Credit card or prepaid card

Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that COSTCO ANYWHERE is in violation of 1006.30 ( e )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I recieved this email from XXXX XXXX  Hello, XXXX Thank you for contacting XXXX XXXX  XXXX! 

We are so sorry to see you leave. In order to canceled the ( XXXX ) active accounts in our system, please visit XXXX XXXX XXXX  Your ( XXXX ) account numbers XXXX, XXXX, and XXXX. Please note you will have to complete a submissions for all ( XXXX ) accounts separately. 

Take XXXX, XXXX XXXX. 
XXXX XXXX XXXX Admissions Managerial Supervisor I ensured the XXXX accounts that they provided me were all paid up and I worked to close them. Yesterday I saw that an account from XXXX XXXX  was placed into collections and reported on my credit score. Today When i requested an explanation I received this email. 

Hello XXXX, Thank you for contacting XXXX XXXX. I have reviewed the accounts associated with your email. In addition to the XXXX you mentioned, there is a fourth account. Account XXXX. XXXX is for a XXXX XXXX  Plus membereship for XXXX XXXX for XXXX XXXX  XXXX purchased on XX/XX/XXXX. Payments were only made through XXXX of XXXX, and were thereafter declined Since the minimum amount of payments were not made, and the delinquancy continued for at least 120 days, the account was properly sent to Collections on XX/XX/XXXX. 
That is the account showing on the credit report. Once sent to Collections, XXXX XXXX  no longer has control of the account. You can contact Collections at XXXX to make whatever arrangements are appropriate. 
I anm sorry we can not be of more assistance in this matter. 

Sincerely, XXXX XXXX XXXX Representative Now there is a XXXX account that in XX/XX/XXXX they did not report to me that I had, nor did they report anything was delinquent. I settled all my acounts that was reported to me by XXXX the manager of admissions services. They refuse to fix the problem and allow me to settle this 4th account, or respond to my phone calls to the number provided.
Product: Credit reporting or other personal consumer reports

the information supplied by XXXX  card to Equifax, XXXX and XXXX was inaccurate, A late payment was reported.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( 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 XXXX, Experian, XXXX 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 a 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX. 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 # ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, 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: Debt collection

Subject : PORTFOLIO RECOVERY To Whom It May Concern, I am writing to dispute the account listed below, which appears on my credit report. I assert that this account is not mine and I am not responsible for the debt associated with it.

I have never opened an account with this creditor, nor have I authorized anyone to use my information to open an account. I believe this account may be the result of identity theft or a clerical error. I do not owe PORTFOLIO RECOVERY {$450.00}.
Product: Student loan

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including Credit Collection # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.
Product: Credit card

I asked them several times last year to close the account. I even filed two complaints against them with CFPB then. I am now getting statements for the account again. It is open and lists a credit limit of {$8700.00}. I wanted the account closed because CITI Cards is a criminal organization, having stolen XXXX  of dollars from me by failing to uphold their duty to protect me from fraud. Leaving the account open subjects me to the danger of further fraudulent activity on my account, which clearly they would not protect me from. Please convince these criminals to close the account.
Product: Credit card

The Lowes store credit card is not crediting small refunds, despite showing them on the itemized activity. Also an email noting the credit to make checking my account easier.