23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My bankruptcy was discharged and XXXX contacted me, I am assuming my student loans were bought by them. First person I spoke with was XXXX, he was evasive, rude, kept throwing around garnish your wages, he would call and not leave a message and when I asked him about it he would deny calling me, especially after telling me I would only be working with him. I looked up XXXX /XXXX  XXXX XXXX and there is page after page of complaints, so I was very concerned about what I would be dealing with. I finally got a Supervisor and complained about XXXX and I have advised he never to call me and I will not deal with him. In talking with the Supervisor, I am to call in back in a certain amount of days to do this or do that, as though I am a puppy in training and again garnishing your wages is always mentioned. I set up a repayment plan, after advising them I have paid off two prior student loans. I was not advised that they would take my state tax returns. We settled on a payment that would be due on the XXXX of each month and I told them the payment would coincide with my pay day, so it may be before or after the XXXX, that it would be sent. I am told that I must call them and tell them my payment is in the mail, when I mail it to them, even though there is a grace period of 20 day before/after the payment due date. So now, I get emails every other day from XXXX, saying Please read the following carefully ... ... Action is required. It then goes on to say You have failed to make satisfactory arrangements to repay your student loan ... ... it is now due in full. I was told by a Supervisor my first payment isnt due until XX/XX/2018. I have received two of these emails so far. This is by far the worst, the most unprofessional, unethical way to collect a debt, fear and intimidation and lack of maturity, that I have ever witnessed. There is apparently no oversight and I am horrified and disgusted by this treatment and I am tired of it. And, it is important to me to be anonymous, if you contact this State run company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of the bankruptcy information being on my credit reports with XXXX, XXXX and Experian. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my XXXX XXXX on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. XXXX XX/XX/2018 I received a letter from XXXX   saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, TransUnion and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX, TransUnion, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!
Product: Credit card or prepaid card

Destiny XXXX ( Genesis FS Card Services ) has been sending bills for a card I never opened. The initial charge on the bill appears to be a processing fee for opening the account - bill amount with fees now {$87.00}. I searched the web and this scam appears to be common. I called to ask them to close the account and they claim that they are reporting it to their fraud department. I have my doubts. I do not want non-payment on this account to affect my credit score.
Product: Credit card

there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.
Product: Student loan

I was with XXXX back in 07 they never gave me the option to refinance the loans and put my loans in forbearance now I owe as much as a medical student for a XXXX degree from XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than four business days after the date of receipt. I have attached my FTC report to prevent further stall tactics from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. Pursuant to OCGA 9-3-24 this account has also reached its statute of limitations on debt in Georgia and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY 4. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Checking or savings account

I HAVE TWO MAJOR PROBLEMS WITH MY BUSINESS CHECKING ACCOUNT : 1. XXXX FRAUDULENTLY WITHDRAWN {$95.00} OUT OF MY ACCOUNT AND NOBODY ANSWERS THEIR PHONE XXXX FOR ME TO INVESTIGATE. 
STILL, DESPITE PUTTING IN A CLAIM # XXXX WITH WELLSFARGO BANK TO SEND ME A NEW DEBIT BUSINESS ACCOUNT CARD AND FULL CREDIT REFUND THEY OPTED TO CREDIT ME {$47.00} ROBBING ME THE DIFFERENCE. NO BANKING POLICY SHOULD SUPERSEDE A FRAUD SITUATION. WELLS FARGO IS PUTTING ME IN HARMS WAY BY NOT CREDITING MY ACCOUNT FOR {$95.00}. 

2. I WAS TOLD SEVERAL YEARS AGO MY BUSINESS ACCOUNT MAINTAINS {$5000.00} OR MORE THAT I WOULD NEVER BE CHARGED FOR {$30.00} PER WIRE TRANSFER FEES INCOMING OR OUTGOING. STILL, THE BANK HAS CHARGED ME OVER {$260.00} IN WIRE TRANSFER FEES VIOLATING OUR AGREEMENT
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX  XXXX/XXXX/2022 XXXX  XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE XXXX PERCENT ACCURATE. EXPERIAN RESPONDED ON XX/XX/2022, XXXX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND XXXX PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT XXXX PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : 1 : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 2 : XXXX XXXX  XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 3 : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXXXXXX XXXX  XXXX XXXX XXXXXXXX
Product: Debt collection

I noticed a recent derogatory report on my credit reported on XX/XX/XXXX. I looked up the company that issued the report ( COMMONWEALTH FINANCIAL ) and asked what this was in reference too. The representative stated that this was from a hospital stay from XX/XX/XXXX. I have a problem with this mainly because I was issued a county relief on the medical bill due to my being out of my county during the emergency and was indigent. Also I was never notified in writing of this debt which is now preventing me from getting a home again which I lost along with my company I owned after my medical emergency which has presented a severe hardship ongoing for me and my family.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

This credit card HSBC BANK NEVADAWith the original account # XXXX in the amount of or close to {$15000.00} has more than exceeded the statue of limitations being that their has been no correspondences, payments and or dialogue in more than ( 6 ) years. I would like the credit agencies below to contact XXXX Credit Burea and or other credit agencies to remove this negative mark from my credit report and or issue out a letter to me on my behalf that THE EXPIRATION OF THE CALIFORNIA STATUE OF LIMITATIONS BECAUSE OF MORE THAN ( 6 ) YEARS, LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES. 

THE CURRENT COLLECTION AGENCY PERTAINING TO THIS HSBC BANK NEVADA CREDIT CARD ACCOUNT # XXXX IN THE AMOUNT OR CLOSE TO $ XXXX XXXX ( their account # XXXXAddress : XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX, Ca. XXXXPhone : ( XXXX ) XXXX
Product: Mortgage

XXXX payment arrived 3 days late and they reverse the modification. This is the second modification as they said my mother wasn't on the title. She is on the title and I had to start the process over. I lost my mother on XX/XX/year> and they sent a letter reversing everything after I called them. This shouldn't have occurred in the first place as Wells Fargo made the mistake concerning my mother on the mortgage. I plan on keeping the house upon her death and would like to assume the loan.
Product: Bank account or service

Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
TransUnion continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.
Product: Vehicle loan or lease

according to me credit report this repo account has been sold to Purchased by a another lender. Unpaid balance reported as a loss by the credit grantor. Sold to : NCB MANAGEMENT SERVICES INC **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER This item showing XXXX times on my report, this is not my item and balances are showing to different amounts I have not received, ANY DOCUMENTS TO BACK UP THE INFORMATION, I REQUEST ORIGINAL CONTRACT UPON PURCHASE AND STILL NOTHING, THIS IS DEFORMATION OF CHARACTER AND IS STOP ME FROM BUYING PROPERTY IF THIS ISSUE IS NOT RESOLVED, I WILL HAVE TO CONTACT MY LAWYER AND SUE... PLEASE AGAIN I PERSONAL HAVE NOT SPOKE WITH COLLECTION LENDER NO DOCUMENTS HAVE BEEN SENT I NEED THIS FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY
Product: Credit card or prepaid card

A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.
Product: Money transfer, virtual currency, or money service

Around the beginning of XX/XX/2019. I tried to make a withdrawal from my PayPal account. I discovered that may account was limited. I called customer service and they told me to give them a copy of my bank statement. I did. Then after calling numerous times and put on hold for close to an hour each time. I am given a multiple choice question from PayPal, supposedly from the " public record. '' I did not pass the test and PayPal is literally blackmailing me by not releasing my funds of {$180.00}. 

I sell small items on XXXX  from my home. XXXX takes a cut and Paypal takes a cut of my sell. I had never had a problem with withdrawing my funds from PayPal until XX/XX/2019. 

The multiple choice question has absolutely nothing to do with my personal information on my PayPal account. It seems PayPal has a side business where they are gathering information on customers to sell to third parties. I do not like nor want to be a part of this. 

Paypal has more personal information on me than my bank and PAYPAL IS NOT A BANK. I have no credit or loan with PayPal. They only process the payment I receive from my XXXX customers.
Product: Prepaid card

I have been with Rushcard since XXXX, and this year as been the worst experience I have had with this company. In XXXX of XXXX I received XXXX fraudulent charges from XXXX different XXXX in GA within a minute apart. At the time of the charges I was at work in XXXX, FL. I contacted Rushcard and reported the charges. They advised me I had to fill a form and send it back and after 10 days I will receive a provisional credit. I received the credit. Fast forward to XXXX XXXX and i was charged again for the same charges, being advised that they did not find anything wrong with these charges, but they can not advise me of their finding or anything. Every time i call i am being advised of misinformation from the reps, they are not nice and do not care. They have an oh well attitude. I also received a new card and for the past 3 days I am unable to access any funds from card because the security code on the back of the card is not good. I spoke to someone on XXXX XXXX, XXXX at XXXX and they advise that they will be expediting my issue to corporate so that they can manually activate the card and it will be completed in 24 hours. i called back later that day to check the status and i was told that it was never expedited and they were doing it then and that was at XXXX. I called back on Friday and was advised that it takes 1-2 business for expedited issues and Monday was holiday so my issue will not be resolved until Tuesday or Wednesday. So now i have no access to my money, or direct deposit. I am unable to buy food for my child, put gas in my car, purchase my child 's medication or pay my cell phone bill because the people at Rushcard keep telling me sorry for the inconvenience. Currently my cellphone will be off because i have no access to pay for it and my life is going downhill because i can not pay my bills. and they are basically telling me i have to go almost a whole week with NO MONEY!!!!!! That is not fair and that is not how you treat customers. This as cause me so much stress and grief that i do not know what i am going to do and no one there seems or want to help or attempt to help or care about the fact that i have a child that i need to take care of and i only have {$2.00} dollars to my name and i am a single parent. I would not recommend this company to no one because when it comes to solving problems they are not good at it and they do not care that you have a life as well and everything as to be done with sending an email. And their phone system for some reasons always hangs up on you.
Product: Credit reporting or other personal consumer reports

Dear ELAN FINANCIAL SERVICES, CB DISPUTES, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal. As you know Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ). you are violating all laws and regulations. If you are unable to provide full reports of how you validated, verified and how you are in compliance then you must reopen my credit account shown paid as agreed, including {$0.00} balance and rectify for the damages ( 15 U.S.C 1692D ) you've caused. 

Furthermore, any alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and ucc -9 remedies. 

Thank you XXXX, XXXX XXXX