23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity Bank called me every day or every other day for a few months. I had told them I would call them back when I could pay and they continued to call and tell me they would be sending it to their legal department if I dont call them back immediately. They continued this after I told them I just had a baby and wasnt working so I was unable to make payments.
Product: Debt collection

I closed my XXXXXXXX XXXX account # XXXX at the end of XX/XX/XXXX when I moved. I returned all the equipment to the XXXX as instructed and was told the account was closed and I owed nothing on the phone with XXXX. No further bills were mailed to me. 

Once I checked my credit report in XXXX, I noticed I had a collection again my XXXX account. I contacted XXXX and they stated my account was closed, there was an error they corrected and provided me with confirmation # XXXX. 

The debt was never cleared off. I opened disputes through XXXX to remove this without any success. I also contacted XXXX multiple times when they stated the last person forgot to process the final steps and they would take care of it. 

After about a year of this process, XXXX opened a new ticket # XXXX on XX/XX/XXXX. After many hours on the phone, they finally stated they account was closed and they could do nothing about it even though they had stated the caused the problem by billing incorrectly. 

The debt has been passed between about 3 different debt collects with it currently sitting with I.C. System, INC who I'm waiting to receive any communication with. I have opened a dispute with XXXX, but I have no confidence this will resolve my issue. 

At the end of the day, this is debt I do not own confirmed by the original debtor XXXX and I need this resolved and removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, As a victim of the XXXX hack I am trying to set a freeze on my credit reports. I noticed that XXXX does not charge XXXX residents who have been hacked while Experian does charge XXXX  residents without giving them an opportunity to indicate whether they have been a victim of identity theft. 
I signed up for both of the freezes today on XX/17/2017 between XXXX and XXXX. 
I tried to resolve this unwarranted charge of {$10.00} through Experian 's website but was unable to do so. 
I 'll let them know I am placing this complaint with CFPB, but if there 's any other way I can help please let me know. 
Thanks
Product: Debt collection

XXXX Dear, THE CBE GROUP INC I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNTTHE CBE GROUP INC ACCOUNT # XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
CAPITALONE Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, IXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information was reported by LexisNexis Risk Solutions : * XXXX XXXX XXXX and/or court data ( XXXX ) - provided by a consumer reporting agency * XXXX XXXX XXXX XXXX XXXX XXXX XXXX - provided by a consumer reporting agency Driver : XXXX XXXX Description : at fault accident Date : XX/XX/2021 Source/Consumer reporting agency : XXXX XXXX/LexisNexis Driving history and claim information provided by the following consumer reporting agencies : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Product: Debt collection

National Credit Systems posted an erroneous charge to all 3 credit bureaus, I contacted them and the rep I spoke with had no desire to rectify the situation. I contacted the business ( XXXX XXXX ) to get this removed from creditor and credit bureaus and no-one has returned my calls. I received a refund of my security deposit and left my lease in good standing, no property damage and was never a problem resident of that property when I lived there. They are dragging my credit through the mud and not trying to find the truth, they are only concerned with STEALING money from a single mother and Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima allowed someone to fraudulently open an account under my name without taking the steps to properly verify the identify of the person who opened the account. After reporting the fraud through the credit bureau they denied to allow them to take this off my my report. I then disputed this through Acima and the told me to file a police report. I did that and gave them the report number and they said now they need an actual copy of it which the police department said would take over 3 weeks. This is all why I am trying to apply for a mortgage and this is making it almost impossible. This account the fraudulently allowed to be open is ruining my life and they dont care to straighten it out.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I purchased a program named XXXX which upon payment they where supposed to send a debit card which will allow members to purchase discounted items and travel amenities, the cards never arrived they kept delaying launch and finally they changed the mane of the company to finmore, a couple of weeks after that a letter was emailed that the company was shutting down. I payed {$490.00} dlls per membership. 
Upon receipt of the letter I called Wells Fargo in order to get my funds back since services where not rendered, they kept ignoring my requests. I received the letter from XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2021 I inquired about a pamphlet I received in the mail stating I could lower my mortgage payment or pay my mortgage off years earlier by switching to Loan Depot. A representative, XXXX XXXX, started my application ( SSN, DOB, Address, Income, etc. ) and preapproved me for some rates that were better than what I currently have. I informed him that I was interested and he ran my credit. He then asked me for an application fee of {$22.00} to which I declined. I let him know that although I was interested, I want to reach out to a few other companies and get quotes from them as well as this was my first quote. I inquired about a loan estimate which he declined to provide and stated that it would be provided once I paid the fee and agreed to his terms. This seems like a violation of federal law and contacted my current mortgage company to confirm. After requesting a loan estimate multiple times via text, XXXX informed me that " this is not how I do business. '' I never received a quote from Loan Depot and their customer service is beyond irritating.
Product: Debt collection

I have been dealing with American Express since XX/XX/2020. I was put on a company credit card in which they are saying I am now the primary account holder. We have sent proof of payment to American Express and the courts which they took up the case. They continue to ask for this proof and we are on about time 10 now. The company has called them, I have called them and they either dont know who is working on this, the person they say is working on it when we call back is being told to us that never worked there, mailbox is full, never returns calls. At this point it is harassment and I would like to peruse charges of my own for putting it on my credi, emotional distress, and impact this had had on my personal business.
Product: Credit card

I have a Citi visa best buy card that has been tampered with and charges were made on my account that are not mine. The only charge on my card is from XX/XX/XXXX from XXXX for XXXX. Citi still has my account with a balance of the following below : Last Reported XX/XX/XXXX Creditor Name CBNA Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$2000.00} Term -- Monthly Payment {$65.00} Responsibility Individual Balance {$1300.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status Current Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks
Product: Checking or savings account

XXXX was informed of a pair of airpods that were purchased from XXXX for {$310.00}. The cost of the merchandise is {$240.00}. The merchandise was also defective. 
The seller when informed of the price and defect within warranty refused to take the item back. Upon informing XXXX of the vendor, they said it was an XXXX corporate issue. XXXX has not responded. XXXX was only able to make good a partial replacement. The item had to be taken back by XXXX. Upon informing XXXX, there was no response. 

PNC Bank from where I used my debit card to pay the amount, refuses to dispute the transaction providing vague statements. See attached. 

Per the law, if merchandise is sold outside of the price advertised and is defective, the consumer has a right to fair procedural protections in the XXXX.
Product: Debt collection

I was NEVER advised this account existed. I have never received a bill/invoice from the debt collector or service provider. Not until I applied for credit was I aware that this account existed.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the Closed Date : has no info to support this. 
Account name : XXXXXXXX XXXX XXXX  Account # XXXX
Product: Credit card

I have {$3900.00} worth of charges on my Wells Fargo Visa credit card that I didn't place. I've disputed the transaction with Wells Fargo but they've denied it twice saying the the credit card chip was used at the location therefore it had to be me. The place it was used at is called XXXX XXXX XXXX. When I XXXX this place, the only thing that comes up is an Instagram account for a food truck called XXXX XXXX XXXX  located in XXXX XXXX or XXXX, Florida. The transactions were for {$1000.00}, {$500.00}, {$900.00}, {$1000.00} and {$500.00} all made on XX/XX/2023. This was a Sunday so I do have XXXX rides made that day to XXXX XXXX and back home. If I had the time those purchases were made I could probably prove I wasn't at that location but Wells Fargo couldn't provide that for me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted ach deposit from my checking account at XXXX XXXX, XXXX, XXXX To coinbase ( pro ) I have used coinbase almost XXXX years & coinbase pro nearly a year with scores of successful transactions. This is not an error on my part. ( Coinbase & coinbase pro are connected & same company. The pro version is cheaper transaction fees but not as user-friendly & easy for beginners as regular coinbase but transfers between the two are immediate & free of cost so buying, selling & transferring is more reasonable on pro version & /but for holding assets ( semi ) -long-term its easier on coinbase regular to track & research coin ). On coinbase pro if a bank account is linked for ach deposit I believe when one is made their system can verify if sufficient funds are available then ( usually ) within seconds it will say " success, you can trade immediately while we wait for your funds you can withdraw in XXXX days '' & usually in approximately XXXX business days the withdrawal from bank account will show in bank balance. On XX/XX/XXXX my {$400.00} usd deposit showed " PENDING XXXX' on coinbase pro & it never changed. ( After a month or so they added a 2nd {$400.00} deposit transaction for that day to the transaction ledger on coinbase pro stating " successful or complete '' I first got an email stating insufficient funds for the {$400.00} deposit. I tried a {$200.00} deposit minutes later same day. Same thing. But the {$200.00} never left the bank. The {$400.00} DID! I've got pictures & paperwork from my bank. Then I noticed an email saying " your available balance..deposit success blah blah.. ) I followed the email link it took me to reg coinbase transaction history ( linked with pro ) it showed XX/XX/XXXX {$400.00} deposit " complete '' on pro still showed " PENDING '' by then I had already submitted a support/help request # XXXX. Since then I submitted several more & I got email stating consolidation of requests to # XXXX. Ok. I've emailed XXXX times with thousands of words, pleas with concern. Usually auto-bot emails come from coinbase to me. No human response. XX/XX/XXXX I finally get an email that had a little human quality to it but indicated my case had not been examined thoroughly & /or plain ole stole from me & /or don't care. The email was completely in accurate. It said on XX/XX/XXXX I made a couple deposits amounting to {$400.00} which one was insufficient & I was " credited " NO. I WAS NOT. I immediately emailed back ( several times since ) but still no response. None at all now & since then. It's obvious if someone didn't intentionally take my money then that one email sender could not have spent more than XXXX seconds hurriedly scanning the situation because they were WRONG & are completely neglecting their duties & obligations. Every time I have deposited usd to coinbase/ pro I would immediately buy what I was after. There was Nothing bought with that {$400.00} supposedly deposited on XX/XX/XXXX EVER. my usd balance was NEVER " credited " nothing was credited. Not to me. I work. Approx XXXX hours for {$400.00}. I've spent hours now messaging coinbase.
Product: Consumer Loan

I had a line of credit that should not be reporting on my credit bureau. The credit line was originally with XXXX and then it was sold to XXXX XXXX in XXXX of 2014. My payments to XXXX were supposed to start XXXX of 2014 however I never received any statements from XXXX. In XXXX of the same year I receive a collections letter from LVNV Funding saying the line of credit has been sold them and is now reporting on my credit report. How can it be reporting any my credit as derogatory if I never receive statements or made late payments? I called XXXX XXXX and they have no record of this loan in my name of being sold. Due to the inaccuracies of this information I 'd like the CFPB to investigate this and ultimately have the collection removed.
Product: Credit reporting or other personal consumer reports

There are several addresses on my credit report that are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file which is listed below. 
XXXX XXXX XXXXXXXX Balance : {$460.00}
Product: Debt collection

I contacted XXXX as AArgon Agency INC, account number XXXX for XXXX XXXX and XXXX. XXXX after a month later stated that the reporting was verified. However, My Bankruptcy was file prior to AArgon reporting on my credit. XXXX was contacted that I filed XXXX  XXXX bankruptcy  in XX/XX/XXXX, XXXX from AArgon, stated that it was turned over to collection by XXXX XXXX and XXXX in XXXX of XXXX, however, I filed bankruptcy on XX/XX/XXXX. 

I am currently still in an open Bankruptcy  ; my attorney is XXXX XXXX out of TN XXXX my Trustee is XXXX XXXX, filing number is XXXX and all of this information was provided to both AArgon and XXXX. I was not provided a date as to when AArgon Collection INC would be removed from my credit.
Product: Credit reporting or other personal consumer reports

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : 1. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX I Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX I Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX Certified letters were sent to NCA XXXX National Credit Adjusters ) asking them to verify that this debt belongs to me and that they were the original owner of the debt with my signature, that I agreed to pay the amount owed. 
I never received verifying proof from them but they proceeded to damage my credit. I feel they are in violation of the FCRA, Balance : {$2600.00} Original Creditor : XXXX XXXX  XXXX Never Heard Of this Company )