23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.
Product: Money transfer, virtual currency, or money service

Gemini Compliance requested pieces of personal information about me, to which I have submitted on time as required ( see uploaded screenshot of email correspondence ). Since our last correspondence they have sat on this information, done nothing and now frozen my account with significant funds locked. I can't access my money and they did this with no prior warning or justification.

I've tried to contact Gemini via email, twitter and other means ( though they have no published telephone contact ). I can not get any response from Gemini and my funds remain inaccessible.

I need the funds unlocking ASAP as this is a completely unacceptable situation.
Product: Checking or savings account

I sent a {$50.00} XXXX to a friend, her bank doesnt use XXXX and my money should have been returned after 14 days back to my account
Product: Credit card

On XXXX XXXX A credit card account with XXXX XXXX XXXX in the Amount of {$500.00} Acct # XXXX was opened in my name with out my knowledge or consent. mailed and billed to the Address of XXXX XXXX XXXX, XXXX mi XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the XXXX major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Mortgage Companys Failure to Process Tax Bracket Adjustment and Refund To Whom It May Concern, I am writing to formally request your assistance with an ongoing issue involving my mortgage company, Selene Finance XXXX They have failed to complete a tax bracket adjustment and issue a refund in a timely manner, despite repeated follow-ups and assurances that these processes would be resolved quickly. 

In XX/XX/XXXX, I contacted Selene Finance to request a tax bracket adjustment after receiving a 100 % XXXX rating. I was told this process would take only 10 days, but as of XX/XX/XXXX, it is still unresolved. All required documentation was submitted, and there is no valid reason for the delay. 

Additionally, we were supposed to receive a {$3000.00} refund in XX/XX/XXXX, which has yet to be issued. This refund amount should now be even higher, as it is accruing additional funds due to the delay in processing the tax bracket adjustment. Despite contacting the mortgage company multiple times, there has been no meaningful progress or explanation for these delays. 

This situation has caused unnecessary stress and financial strain on my family. The companys lack of action and transparency is unacceptable and a clear failure to meet their obligations. 

I am requesting the CFPBs intervention to resolve these issues promptly. Specifically, I ask that Selene Finance be required to : Complete the tax bracket adjustment immediately. 
Issue the refund owed, with any necessary corrections for the additional amount now due. 

Thank you for your time and attention to this matter. I appreciate the CFPBs dedication to protecting consumers and ensuring fair practices by financial institutions. Please feel free to contact me at [ your phone number ] or [ your email address ] if you need further details or documentation. 

Sincerely, XXXX XXXX
Product: Mortgage

Right Path Servicing had originally claimed I did not have property insurance on my home, I had repeatedly sent them proof of insurance. After receiving my proof of insurance and my filing of a complaint, Right Path servicing claimed I did not have XXXX XXXX insurance. XXXX XXXX is not a type of insurance as recognized by ANY insurer. I had filed another complaint and Right Path Servicing was to respond and clarify what, exactly, they meant by walls in. They did not. 
Apparently, Right Path Servicing has placed an HO-6 insurance policy on my property without affording me an opportunity to do so at a much cheaper rate. Right Path Servicing used deceptive slang in order to cloud the issue and afford them an opportunity to go with a non-proposed insurance policy at my expense. Right Path Servicing is now attempting to force payment by attaching this outrageous insurance fee to my monthly mortgage payment. 
If Right Path Servicing was requesting the placement of a HO-6 policy by me, they should have made this an obvious request and not proceeded deceptively. I am fully able to obtain a HO-6 insurance policy without such an outrageous fee.
Product: Credit reporting or other personal consumer reports

I have dispute XXXX XXXX on XXXX. All are decided within. 24 hrs but no reason why and no proof of debit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello -I received information regarding this account from XXXX on XXXX XXXXXXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my XXXX and Equifax reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX
Product: Debt collection

The last call I received was in XXXX. Now they call me yesterday XX/XX/XXXX and told me if I dont call them back this week that they will sue me or get me arrested.
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER XXXX  EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE REPEATED OFFENDER ONCE AGAIN DELETE IMMEDIATELY AFFIANT : XXXX XXXX XXXX XX/XX/XXXX2025 DOB XX/XX/XXXX ADDRESS : XX/XX/XXXX : XXXX XXXX XXXX XXXX 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 ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE XXXX 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XXXX XXXX XXXX  -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692D [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN COMMERCE ] EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE CREDIT CONTROL SERVICES LLC BLUNTY, YOU HAVE XXXX DAYS TO DAYS TO DELETE IN RECEIPT AGAIN DELETE IMEDIAYELY AFFIANT XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAY WITH MY PERSON
Product: Credit reporting or other personal consumer reports

Don't know the company. I never did business with this company. 
XXXX {$850.00} past due collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last year I have filed multiple disputes against Transunion for putting inaccurate information on my credit report. The information in question is my employer. They continue to list XXXX as my employer after I have repeated disputed and told to remove. After all this I have been a loyal customer of Transunion credit monitoring services for over 10 plus years. During the last year Transunion has continued to bill me {$14.00} every month for the services but locked me out of my account after I continued disputing the inaccurate information. I have attached a copy of my bank account which show Transunion billing {$14.00} every month. Also attached is a copy of the web page to Transunion login showing I'm logged in and the error page that displays. Notice my at top of page I'm logged in and it gives system error. This only started around XXXX of last year when I disputed the same inaccurate information on my account. I have been a member for over 10 years this never occurred only started after I started filing a dispute about inaccurate information on credit report. I had my friend log on to there account with no problem but every time I try to view my account this page pops up. Only started after I start disputing information last XXXX. In ten plus years before never a problem. Transunion owes me an apology for there tactics, {$160.00} for services not rendered from XXXX of XXXX of XXXX  for not allowing me into my account to view or dispute. They also show be fined.
Product: Credit reporting or other personal consumer reports

This is my 9TH endeavor 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXXAccount # XXXX, has violated my rights. 

Account # XXXX. Two accounts as the same beginning numbers. 
Account # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXX XXXX XXXX  {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

BANK WONT TAKE MY PAYEMNTS UNLESS I PAY FULL AMOUNT BEHIND ON
Product: Credit reporting or other personal consumer reports

Id like to consider these all identity theft because, I am not aware of any of these inquiries and didnt give my information to anyone to in any sort to perform any activities in this sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting other information that is not mine and misinformation is making my score go down.
Product: Credit card

On XX/XX/XXXX, XXXX, A Bank of America card was opened using my own name, address, and email. I never applied for the card and was originally notified through an email from Bank of America that We've received your credit card application for XXXX XXXX XXXX XXXX XXXX XXXX I checked my inquiry alert for any new accounts and saw that there was an alert for this exact activity, as well. This isnt the first time a Bank of America card was opened under my own name, address, and email. Back on XX/XX/year>, the same situation happened but this time with a regular Bank of America credit card. Again, I had to call and cancel the card, as well as, have the hard inquiry on my credit expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

Bank of America did not have my State of Arizona unemployment benefits available on my pre paid card for several months during XXXX, during the pandemic relief benefits period. The totals were approximately {$1500.00} that were unpaid. 

The State of Arizona paid that amount in early XXXX that was due in summer of XXXX. The state of Arizona then reversed it's decision on the reimbursement and claimed I was overpaid benefits and that any initial non payment of benefits was due to fraud allowed by Bank of America. No more details were disclosed to me. 

My tax refunds have been garnished ever since, including interest. I was also a litigant in the lawsuit against Bank of America, only to have my claim dismissed on XX/XX/XXXX due to not having suffiicient information to prove any fraud had occurred. 

I feel Bank of America is responsible for my hardship during that period of time they botched the payments and for my continued tax refund garnishments.
Product: Credit reporting, credit repair services, or other personal consumer reports

over 3 weeks ago I tried to Cash out money to my bank account. Cash App said it takes 5 business days. After the fifth business days I asked if they can retract my money and out the money back in my Cash App. They said that takes 3 business days and it's been longer than that. The money still isn't in my account. Cash App has repeatedly said they are awaiting for my bank to reverse the fees, my bank confirmed there's no fees to reverse. Cash App said the Cash App happened on XX/XX/XXXX I uploaded my bank statement to show I got no deposit from Cash App. In their response to my complaint they said they reached out to my bank. My bank confirmed this has not happened.. I included my bank so they can respond, to confirm these things dis not happen
Product: Credit card or prepaid card

Wellsfargo bank is not giving me a confirmation of debt. The definition of confirmation of debt is wet signature. A bill or statement is not a confirmation of debt. If you can not provide what I am asking for you need to discharge the debt. 

I, XXXX, XXXX agent to said principle XXXX XXXX Ira hereby accept all titles, rights and interests owed to principle XXXX XXXXXXXX XXXX  XXXX I hereby instruct ceo of this account to apply the principle balance to said amount each and every bill cycle ; If these instructions can not be honored please respond through postal mail giving details of non- acceptable ; if that you have accepted my offer and moving forward also apply the above instructions. 

By : XXXX, XXXX, Ira Without recourse ucc 1-308 I, : XXXX : XXXX XXXX authorized representative XXXX am sending the coupon of the account summary to Wellsfargo as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit them with another check or money order and then you have redeemed both. That is double dipping and is illegal. 

I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment, per ucc 3-603 ( b ) if tender of payment of an obligation to pay the tender, of payment of an obligation to pay an instrument and the tender is refused, there is discharge to the extent of the amount of the tender of the party having a right of recourse with respect to the obligation to which the tender relates.

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.

Here are some definitions to clarify what I am talking about to state statues if you need a refresher.

Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value so the amount to be discharged will be the amount I have seton the voluchers. If you refuse to accept a negotiable instrument I will send the Irs 3949A and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingly amounts listed on my fee schedule Volcher : a small printed piece of paper that entitles the holder to a discount? Or that may be exchanged for goods or services.

Sincerely and without Ill will, All rights reserved without prejudice, without recourse.
Product: Money transfer, virtual currency, or money service

XXXX XXXX is selling camera gear through the XXXX XXXX XXXX. His profile shows that he is a trusted user or a XXXX XXXX. He listed the camera here XXXX XXXX XXXX XXXX  As you can see in the description he asks for more money than the price on the app. Then he offered additional lenses for a higher price. He gave me his phone number and we had a call, he sounded very trustful. He asked for my shipping address and email to request a payment through XXXX. I sent two payments, one of {$500.00} and another one of {$2500.00}. The XXXX user is XXXX XXXX, he claimed it was his wife. Early morning we had a call and then another one when he said he was going to XXXX but nothing. After that call he never responded. I made the claim with XXXX as well. Please, I need help to recover this money, I have screenshots of the texts and all of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXXXXXX # XXXX