23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letters received XX/XX/XXXX, XX/XX/XXXX, dated respectively XX/XX/XXXX, XX/XX/XXXX. Previous letters received from XXXX XXXX XXXX over the past year since XX/XX/2019. Bill amount XXXX. The Bureau of Medical Economics ( possibly fraudulent collections agency ) is  threatening, " Considering what additional collection efforts may be necessary to ensure the outstanding amount is paid in full. '' XXXX XXXX XXXX and the Bureau of Medical Economics ( Collections Agency ) may be fraudulently scamming me to pay for fake medical bills. My medical insurance covers all medical bills. Otherwise, there has been a mistake on either the insurance companies part or those companies that I can not resolve on own. I have spent over 10 hours talking on the phone, providing personal information like insurance, birthdate, addresses, searching through a years worth of documents looking for past bills, etc.. I have called the hospital, auto and medical insurance, XXXX XXXX XXXX and the Bureau of Medical Economics. I have gotten a family member on the line during the calls. I receive backdated letters, e.g. a letter I see the very day it is delivered is dated 4 weeks prior and claims I have 4 weeks to resolve the issue. Over the phone, The Bureau of Medical Economics, was not able to tell me the dollar amount of the bill until they calculated new numbers after I told them the final sum. They've claimed the issue is resolved after each of several times I've called each company, only for me to receive another letter in the mail. They will not send me anything in the mail saying the issue is resolved. XXXX XXXX. XXXX. said I have an extra 45 days, after notifying the collections agency within 3 secs that the collections agency mustn't be involved any longer, yet I received another letter from the collections agency. The address for the collections agency is a P.O. box.There are 6 complaints filed against the Bureau of Medical Economics through the FTC and the XXXX Reviews of the Bureau of Medical Economics includes tens of complaints about scams. The Bureau of Medical Economics Website Link on XXXX Sometimes leads me to a " You have won a XXXX dollars scam page with party streamers, '' so on and so forth.
Product: Vehicle loan or lease

I made a same-day payment to BMW Financial on the XXXX day ( XX/XX/XXXX ) via XXXX XXXX XXXXXXXX XXXX. I have an email confirmation/receipt from XXXX XXXX  showing the payment was made and sent to BMW on XX/XX/2023 at XXXX pst XXXX pm eastern, which is before their payment cut off time. When I logged into my BMW account it showed that the payment is being reported as received on XX/XX/2023 ( 60 days late ). I reached out to BMW and they were unwilling to change the information despite my having proof of when the funds were sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION.
Product: Credit card

The account has been brought up to date and is still reported late, and the wrong amount do I submitted doc 's to show the account is current, report is not report correctly, the company do n't appear to care about the harm this is causing me,
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX I got a call from a private number that claimed they were with XXXX XXXX and could not give me any information other than a case number ( XXXX ) and a phone number to call regarding that case number ( XXXX ). I called the number which belongs to what they claim is a debt collection company calling for a payday loan from XXXX with Cash Central called XXXX XXXX, they told me I was going to be taken to court and would have to pay {$1400.00} unless I wanted to take care of it over the phone with them which I could only do by providing a card number with them right at that moment ( they also mentioned they only take Visa or master ). At that point I told them I would have to call them back. I did some fact checking and called consumer finance later that evening. They do not have a valid website anywhere and the number seems to come up as scam on XXXX. I called them back today ( XX/XX/XXXX ) to ask for a physical address which they could not provide due to child protective services cases they apparently provide, and I also asked for a professional licensing number which at first they said I had to speak to a supervisor for that number, out me on a brief hold, then came back and claimed they also couldn't provide that number unless I had an attorney present or once I was already in court with them. At that point I told them I was not comfortable giving them information and they told me they would see me in court. The apparent employee I spoke to said her name was XXXX XXXX on XX/XX/XXXX when I called back today ( XX/XX/XXXX ) they first acted like they had no idea who that employee was, put me on a brief hold, then said she had stepped out and wasn't available to speak at the moment. I then called Cash Central, asked  who they had sent the debt to, they gave me the name and the number to the debt collection company they work with ( which is XXXX XXXX ) and mentioned they had never heard of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, XXXX and Experian to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
Product: Checking or savings account

On XX/XX/2022, my Citi Accelerated savings account was closed on suspicion of fraud. I have made several electronic transfers to the Citi account from my XXXX account. I had opened the account on XX/XX/2022 with {$100.00}. Then a few days later transfered {$1500.00} which had settled. Made another transfer for {$2000.00} which was returned to the issuing bank. Then I made two more deposits from the XXXX account totaling {$3000.00}. 

I spoke to a representative on XX/XX/2022, about the account closing to see if anything cleared up and to gain a better understanding as to why my account was being closed. The representative let me know that it was being closed due to fraud. When I pressed the representative to explain further, he explained that it was due to a returned NSF transaction. He also let me know that I could not get my account reinstated and that any funds that were there would be returned to me after a 60-day investigation. According to my accounting that would have meant that {$5100.00} would be mailed to me in the form of a check. The representative stated that a check would be mailed to me. 

I received a check, via XXXX XXXX, for {$2.00} I proceeded to call again the fraud XXXX XXXX number to speak to a representative about my funds and why was I receiving a check for {$2.00}. The call got disconnected when I asked for a ledger of transactions to be sent to me. I spoke to a second representative who was able to tell me to go to the issuing banks and file a claim for funds. I inquired about the funds that had settled in the account for {$2100.00} and why was I still receiving a check for {$2.00}, the representative then told me again that I would have to go to any issuing banks a file a claim for those funds. 

The representative then was able to transfer me to a third representative to handle my bank statement request that would be sent by mail in 10 days or by email in 1 or 2 days. At this point, I am frustrated because email should not take 2 days to receive and I am still out of {$2000.00} in funds. 

I then made another phone call to XXXX in other to initiate the claim but still need to track down the other deposits in order to file claims for them. 

I am still seeking my full funds of {$3100.00} from CitiBank.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that does not belong to me ; NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I filed an identity theft report as well as disputed with all 3 bureaus.
Product: Debt collection

On XX/XX/2018, I received a call from an XXXX phone number that left a voicemail to call them back or they were going to send someone to serve me. I called the number back and spoke with XXXX XXXX, she verified my name and I asked who she was with and said she was with an attorney office. I asked if this was a government attorney office since it came up as an XXXX number and she said yes, so asked the name of the office and she told me XXXX XXXX XXXX. I advised her that I knew that is not an attorney 's office because I have filed a dispute with them for debt validation. She stated they were sending someone out to serve me with papers for a lawsuit. I advised her I knew it was illegal not only to represent herself falsely, but to threaten me with suit espically when I am disputing the claim, and I was going to file complaints with the State of Texas XXXX  XXXX and CFPB. She at which point said that was ok and asked if I would like to speak with a manager. I replied No. The same company also called my husband 's cell phone and left the same threatening voicemail for me. When my husband called back and spoke with an operator she stated they were sending someone our to serve XXXX XXXX with papers for lawsuit. He stated she can not call him regarding XXXX 's matters and hung up.
Product: Money transfer, virtual currency, or money service

My account was frozen with a balance over {$300.00}! When I asked why it was frozen they deactivated my account and refused to let me have the money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.
Product: Checking or savings account

On XX/XX/year> I made a purchase from a vending machine in XXXX XXXX at the XXXX XXXX XXXX XXXX. There was a vending machine that popped up and it was disguised to be a machine that was placed there by a company called XXXX ( XXXX XXXX XXXX ). The vending machine was red in XXXX had a large XXXX logo on top of it and other indications on the machine itself. I decided to make a purchase because I trust in XXXX and own their products so I made a purchase. The 2 cards that I purchased were not graded by XXXX and they were in blank cases. The vending machine advertised that you will receive a XXXX graded card which I did not. There were no visible markings on the machine to contact the merchant. We left XXXX XXXX and back home to XXXX XXXX on the XXXX of XXXX. When I got home to further look into this issue I discovered that XXXX came out publicly and stated that they have no affiliation with that machine. 

I reached out to Wells Fargo to get more information on the merchant so I can request a refund but they were not able to help me with that. I asked to file a chargeback claim and asked them to request my money back from the merchant. I explained to Wells Fargo multiple time that this merchant was using a false name and logo to derive people and on top of that I did not get what I paid for. Wells Fargo denied my case and stated they can't provide anymore information. I asked to reopen the case and provided additional information. I was lied to by this merchant and did not receive the goods that I paid for. Wells Fargo is not standing up for its customer. 


XXXX was for {$120.00} and was done on XX/XX/year>. 
Wells Fargo Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loans XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX  The Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had all of these 3 accounts set up for auto bill pay, ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) which if you see my pay records I am always on time with my payments. At the time I lived in a different house and I ended up moving. There was an issue with auto pay which I was unaware of due to me moving, so I never got notified till it was too late. The accounts had got late payments and gone into collections. I called sometime in XX/XX/2020 to negotiate with the collector ELAN Financial Services to get those items paid and removed but refused to assist with the issue. Due to these collections and late payments reporting I am unable to get approved for any type of credit or even get a mortgage. Causing plenty of financial distress.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CIG Financial Capital Incentive Group for committing identify theft. I have never given CIG Financial Capital Incentive Group any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CIG Financial Capital Incentive Group can provide me with sufficient documentary evidence that i have any legal obligation to pay them. If this documentary evidence can not be produced and CIG Financial Capital Incentive Group continues its collection efforts, I will file for litigation for actual damages caused and CIG Financial Capital Incentive Group will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX XXXX XXXX around the year XXXX. I never gave my information neither to XXXX XXXX XXXXXXXX nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time FBCS , Inc is the company that is contacting me with the purpose of collecting the fraudulent debt.
Product: Debt collection

Spam calls I was unaware were XXXX XXXX  since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I went to JCPenney to buy a jacket. 

At the cashier counter, the JCPenney cashier asked me if I need a JCPenney card. 

I asked, is it a " credit card ''? to which he said, " No it 's not a credit card ''. and that 's why I signed up for the card. 

He lied to me so that I can sign up for the JCPenney credit card. 

I never wanted any kind of credit/debit card from JCPenney. 

I received the real credit card from JCPenney without my consent. 

It will hurt my credit score and it will stay on my credit history for a decade for no reason. 

Can you please help me and restore the credit history to where it was initially, delete the entire credit card from my credit history and cancel the JCPenney credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, equifax, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX  - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX - acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX
Product: Credit card

On XX/XX/year> I was charged {$400.00} by XXXX XXXX for a baggage fee. I did not make the charge, in fact I couldn't have made the charge since I haven't traveled for years nor can I travel now. 

I immediately notified them of the charge and they took it off my account on XX/XX/year>. I let them know I couldn't have made the charge. 

On XX/XX/year> they returned the amount to my account and provided me with a letter with the only explanation of it was charged with a verified device. I immediately called and the representative told me there was no documentation of the device or me making the charge so they would request it. My charge was not reversed and I am required to pay for it while it's being reviewed. 

I have called XXXX more times since and both times have been told there is still not documentation of my making the charge other than the note of a verified device. I let them know again that was not possible since I don't and can not travel. They have bumped it back again for another round of review but told me it is unlikely I will get the charged removed. 

I'm not sure what to do at this point since I did not make the charge, couldn't have made the charge, yet am being expected to pay it even though they won't and can't provide details on how I could have paid it other than a note of a verified device. 

I feel like this is a bit of insult to injury since I can't fly and am being charged fees for traveling. 

I have included a letter that is the only form of documentation they have been willing to provide me.