23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

General Revenue Corp not only contacted me multiple times a day, but they found a way to get my mother 's contact info and called her. I never provided them with anybody else 's contact info and they didn't have permission from me to contact anybody else about my debt. They said I owe {$2300.00}, the debt is owed to XXXX XXXX. When I asked the General Revenue Corp representative about sending me emailed or paper mailed copies of everything he told me that he could do that. He asked me when or of I could pay the debt, and I told him that I was out of work due to medical issues and unable to work at this time. I told him that I didn't have any income coming in ( at the time I did not have any income at all ) and that I don't have any friends or family who could afford to help me either. I asked him again if he could send me the information on the debt I owed and he still refused. I asked him if they could contact me via email rather than blowing up my phone with multiple calls a day, and he said he couldn't do that either, that someone would keep calling me. When I asked if there was another representative I could talk to in regards to getting my debt information sent to me, he refused and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im information was involved in a data breach that goes back to XXXX till now and all of the things on my credit report is fraud and under consumer law 605b this information is supposed to be removed from my credit report in 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, today XX/XX/XXXX XXXX I was checking my XXXX XXXX Report I see account that should not be reporting because alleged account owners do not own accounts letter enclosed, also XXXX account is reported twice stolen card fraud was reported remove these account that you are double reporting on my credit report a very big violation and of my rights, also you show account that claim in collection { meaning the companies you are reporting dont own the account remove those to. IM SURE YOU DONT WANT TO GET CAUGHT UP IN CREDIT MANIPLATING IN A COURT CASE
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX for attempting to collect a debt they do not own. On XX/XX/year>, I received a settlement letter from XXXX  regarding a debt originally owed to USAA Savings Bank ( Account XXXX ). USAA has explicitly stated in response to my CFPB complaint ( XXXX ) dated XX/XX/year>, " Our records do not reflect any current or previous accounts ending in XXXX, nor do we transfer or sell our accounts to external banks. '' Despite this, XXXX has entered into an agreement to collect this debt. According to 15 U.S. Code 1692g ( b ), XXXX must cease collection efforts until they validate the debt. Their actions also violate 15 U.S. Code 1692e, which prohibits false representation of debt ownership. I demand that XXXX cease and desist all collection activities, provide a full accounting of all funds received, and return any monies paid for a debt they do not legally own. A certified letter detailing these demands has been sent to XXXX on XX/XX/year>. Attachments include my certified letter demanding that XXXX cease and desist from collecting the debt, and USAA 's response as filed today in Complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Trans Union and XXXX are still reporting a fraudulent account on my credit report. 
XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX. completed an investigation into a XXXX XXXX XXXX account and verified that it was opened fraudulently.
Product: Mortgage

The Servicer has continued to pay flood premium on a non existent home. Home completely demolished due to flood damage. PNC, the last servicer to have the loan, continued to pay the premium. XXXX XXXX got the policy cancelled, and advised XXXX would do an appraisal post XXXX to verify the structure is gone. There is an open claim settlement with XXXX to pay $ XXXX for a payoff and lien release. These are the funds received on the flood claim. While this was in process, PNC referred the file to XXXX and a sale date of XXXX has been set. 
We have repeatedly requested a valid payoff, less the illegally paid XXXX Premiums since XXXX. We have been unable to rebuild, sell or refinance due to the invalid payoffs. The escrow advances now exceed $ XXXX and we can not save the home from XXXX with the escrow, atty fees and costs and interest since this first began. The modification offered also included the false escrow and not accepted. 
We have been trapped in this property since XXXX and forced to live in a property that is not up to XXXX XXXX or occupancy requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been contacted numerous times about fraudulent inquiries and the unverifiable information. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent and unverifiable and have asked to be removed per FCRA guidelines under fraudulent.
Product: Debt collection

When a lender runs a credit report medical collections are supposed to come up as medical data furnishing but not include any of the personal information such as social security number or original bill collector. I was XXXX XXXX XXXX  for 2 months fighting for my life in 2020 that's where these bills came from. XXXX XXXX it says that and all of my personal information. When it does that those collections have to be removed. It is illegal to disclose personal information. It's only supposed to say medical data furnishing. I can't get a mortgage or buy a car because of something that happened without my knowledge because I was XXXX XXXX XXXX fighting for my life. This is illegal and needs to be removed. I hav contacted a lawyer and this has to be removed. If it is not I will be taking further legal action
Product: Debt collection

In XX/XX/2020, I was moving and tried to change my XXXX XXXX internet to my new address. XXXX told me they served my new address, but when I plugged in the equipment and it didn't work, I called them and they admitted they do not serve my new address. I immediately cancelled my account and returned my equipment on XX/XX/XXXX. 

A few weeks later I got a notice that I had a bill due on the cancelled account. I called XXXX and they informed me the bill was an error and my account had XXXX balance. I confirmed this in their online portal ( using my existing account info ). They also told me to ignore any additional statements sent in the next few weeks. Then, on XX/XX/XXXX, I received a collections notice ( reference # XXXX ) from Sequium Asset Solutions for a {$49.00} XXXX  bill on an account number I had never seen before. 

I logged into XXXX and only my old account -- not this account -- showed up, and it told me I had {$0.00} balance. I called XXXX  and discovered that they had, without telling me, created a new account at the address they had never provided Internet access for and transferred a charge they had never informed me about to my new account. I made repeated attempts to log in to the new account to verify the balance but was unable to do so -- it kept showing {$0.00} balance on the old account. 

Finally, on XX/XX/XXXX, I was able to reach someone at XXXX  who allowed me to pay the balance on the new account over the phone. ( I still don't know if this charge was legit or where it came from, but at this point I just wanted to be done with the whole thing so I paid it. ) I am alarmed that they sent the bill to collections while I was actively trying to figure out whether it was legit, and that they transferred it to an account that they never told me about ( therefore making it impossible for me to pay ), and that they told me repeatedly that I had already paid my outstanding balance. I am concerned about the impact this could have on my credit score when it's all a result of really, really bad customer service on XXXX XXXX part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX  card services ), ( XXXX bank, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) XXXX XXXX  )
Product: Bank account or service

On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureaus. Transition responded in 4 days, XXXX in 6 days and XXXX in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.
Product: Mortgage

Regarding real property located at XXXX XXXX XXXX, XXXX, CA XXXX, my principal residence, the mortgage servicer refuses to provide a monthly statement with payments, interest and loan balance information as required by federal and state law, Further more, refuses to provide an XXXX Interest Statement for 2016, finally, stated by phone today, there are no payments posted for 2016. This latter is a violation of the Confirmed Plan through XXXX District Bankruptcy Division of California, federal court, to which BSI was a creditor and in agreement with the terms of the plan without objection. The loan is being sold to XXXX XXXX , XXXX out of XXXX, they have advised to get my documentation from BSI Financial.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I checked my credit report on XX/XX/XXXX and noticed a derogatory mark. the derogatory mark was posted on my report with a total of {$770.00} owed to the telecommunications company XXXX dating back to XX/XX/XXXX. I have never opened a XXXX account in my life, there were two companies listed as collectors for the debt the first company was " XXXX XXXX XXXX ''. I called " XXXX XXXX '' and they stated to me that they no longer handled the debt and that it was returned back to the original creditor " XXXX ''. the second company listed as handling the debt was " XXXX XXXX XXXX '' I contacted them via phone about the debt and was told that XXXX still owns the debt but uses them as a collector on sprints behalf. I told the agent I did not owe the debt and that I never have opened a XXXX account. I was told to contact XXXX
Product: Credit reporting

I have massive loans that I never applied for and credit cards and dept that I have never ever applied for. Some one is using my identity.
Product: Debt collection

I would get debt collectors calling about accounts that have been closed for over 2-5 years. I would also get calls stating that they would take legal action and or I would be arrested from not pay thee debt back to the collectors. These debt collectors inform me that XXXX has the right to take legal actions on collecting this debt through what ever it is that I have if in fact I have. I had a capital one account that was paid and I was receiving my work checks in wound up getting closed and took my money that had hit this closed account. I was told I would get a check in the mail and never did. This was on XXXX. I have a XXXX XXXX card XXXXXX/XX/XXXX and also XXXX XXXX card as well from XXXXXX/XX/XXXX. Who also reaches out and threaten me about this debt. I was also in the XXXX data breach that I knew nothing of until XX/XX/XXXX from XX/XX/XXXXXXXX  all my information was leaked. I also have an XXXX credit account from XX/XX/XXXX that is still on my credit report.
Product: Credit card or prepaid card

Yesterday on XX/XX/XXXX of 2018 capital one closed my credit card due to 3 return payments. After the first two retired payments in XXXX I called caplital one to see why the payments werent goin mg through. I talk to a supervisor she checked my account routing and transit number and made a suggestion that we check for accuracy on the number and it would be best to reset the account and routing number from my bank account. She then advised me to try the payment again and if it fails to call back. On XX/XX/XXXX I tried to make a payment of {$200.00} which also was returned. yesterday on XX/XX/XXXX I called Capital One to see what the issue was upon calling them I found out my account was restricted and then closed the same day. When I talk to the fraud department they said that my account was closed due to the THREE return payments and it was a violation of their policy .When I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital One back I dont understand how my account was closed if I supervisor from Capital One are representative of Capital One advise me to make a third payment which led to the closure of my count I called capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they can do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account. when I spoke to the supervisor from Capital One about the first to return payments she advised me to make another payment and if it returns to call capital one back I dont understand how my account was closed if I supervisor from Capital One are representative of capital one advised me to make a third payment which led to the closure of my account I called Capital One yesterday on XX/XX/XXXX to which they were not helpful at all they said that theres nothing they could do even though the supervisor from a previous phone call advise me to make a third transaction with my bank account
Product: Prepaid card

I bought XXXX separate gift cards for {$100.00} dollars each. When I tried to use the cards they did not work. I called the company. They requested that i sent a a fax with my ID and a copy of the cards. I sent the fax on XX/XX/2024 I sent everything they needed. I called the company later then they said my case XXXX did not exist. I have tried numerous times calling but they are not fixing my problem i have not been able to access my balance and the company is not working to fix the error. The card numbers are XXXX and XXXX. With {$100.00} dollars each.
Product: Debt collection

Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.
Product: Prepaid card

Basically I have had a netspend card since XXXX and up until XX/XX/XXXX, I was using this card. During this time, I have had XXXX separate incidents with money being taken out of my account. Most recently, someone even created a virtual card. Just today, I have sent a disputed email to Netspend regarding charges that were made in my account. I am closing my netspend account but before I can, I have to get a new card, in order for me to have access to the money that is still in the account. I feel as though there is something going on with Netspend. I am not sure if this is an inside job or perhaps they have been exposed to a data breach that they have not made their customers aware of. Either way, I have been harmed financially because of it. I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I can not afford for mishaps such as this to keep occuring. It seems as though, Netspend does not take enough action to protect their customers. Something needs to be done about their business practices. I am reporting this because I do not want this to keep happening to me, or anyone else. Please advise. 

Charges I am trying to get resolved now : Claim Date : XX/XX/XXXX Claim Number : XXXX ( removed for security purposes ) Claim Amount : {$1900.00} **there is one more charge but my account has been restricted and i can no longer access it. 

Previously, I had to dispute the following charges that were finally resolved : XX/XX/XXXXXXXX XXXX XXXX -pin purchase charge at XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX pin purchase charge XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Mall, XXXXXXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX {$560.00} XXXX
Product: Money transfer, virtual currency, or money service

I send the money to a friend of mine in XXXX. I saw the receipt and confirmation saying that the receiver has received Mooney, but after few days the receiver told me he hasnt got the money in the mobile account. Lantern on I found out that the name I made a little mistake spelling reviewers XXXX  name. When I called Remitly to let them know of what happened that said that the Money has been received and withdrawn from the account. I sent them receivers mobile bank statement confirming that he hasnt reviewed the money and they told me to have the receiver speaking with XXXX to investigate the situation.
Product: Debt collection

In XXXX of 2013 I had traveled to XXXX for my sisters wedding. I was gone for the entire month of XXXX. Prior to that period I had withdrawn most all my capital in my checking account for financial security for international travel. Upon my arrival back to my house, XX/XX/XXXX, I had received a letter stating that my account had been charged a monthly fee and due to lack of sufficient funds had been overdrafted to an excessive charge of {$240.00}, within one month, for lack of sufficient funds and then overdraft fee 's self imposed by the bank. Within one months time I had been sent to collections without any contact or right to dispute the charges. I went to the bank to dispute the charges but they provided no assistance at all and said it was too late and was out of there hands to do anything. I was charged overdraft fee 's in bad faith and sent to collections within a months time without any right to dispute. They bank 's incentives were aligned with maximizing profit by charging me an excessive amount of fee 's and sending them to collections to force payment without letting me dispute anything.
Product: Credit card

I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Bank of America, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Bank of America told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Bank of America, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.
Product: Debt collection

We received notice of a medical debt from a collection agency. We paid the debt. They continue to report the debt to the credit bureaus as unpaid. When I called the collection agency in XXXX, they confirmed to me it's paid and say that it is not there problem that the credit bureau is misreporting it. We have disputed it several times thru the credit bureaus, even with the receipt, and the collection agency continues to confirm it back as unpaid. 

Credit Control Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Paid in full on XX/XX/21 {$710.00} + XXXX fee = XXXX