23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company responded to my complaint XXXX with documentation which has already been provided. I requested for the company to send all records including how the account was acquired including my signature. The company XXXX is not reporting on my credit reports with the three credit bureaus due to my ex-wife opening the account in my name without my permission. My intention was to acquire more detailed records of this transaction so I can pursue further legal action of identify theft since my ex-wife has done this before.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a XXXX XXXXXXXX XXXX representative. The person identified himself and called from the XXXX XXXX customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via Zelle from my XXXX XXXX debit card that ended in XXXX The person told me I needed to log onto the XXXX XXXX website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via Zelle back into my account. Initially I was unsure if the person was an actual XXXX XXXX representative, but since he called from the XXXX XXXX phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with Zelle. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to XXXX XXXX customer service. I spoke to a XXXX XXXX representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from XXXX XXXX on XX/XX/2021. XXXX XXXX informed me that the bank contacted Zelle to try to get refund on three of the four claims. XXXX XXXX also informed me that the bank is at Zelles mercy and Zelle does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Zelle.
Product: Credit card or prepaid card

Hello, I have Money Network debit card, this card is where I get direct deposit from work, the day I received my direct deposit I got 2 notifications via email this was from Money Network, so I open the email 2 transactions for {$XXXX} each made in XXXX ATM in XXXX, CA, at thT point I was working in XXXX XXXX, CA I called right away to Money Network they canceled my card and send me a new card, they said that a dispute was filed so I was waiting to get my money back, in the end of the day Money Network sent me a dispute letter where saying that they denied my claim and my file was closed, so I didn't get my money back and there was no investigation from their side, what can I do now? {$600.00} total! I need my money back, so sad I have bills to pay, I need the money, my money that is not fair, bad company Money Network just trash company.
Product: Credit reporting or other personal consumer reports

EXPERIAN unlawfully reported late payments on my credit report. I have never had an account with XXXXXX/XX/XXXXXXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.
Product: Student loan

Navient has called my home over the last 5 months, sometimes twice a day attempting to get a pay on my student loan. I pay my bill on the XXXX even though the bill is due on the XXXX. When the XXXX or each month comes the calls start again. I have never missed a payment in the 5 years I have been in repayment of the loan. I feel harassed and insulted even with documentation of each payment over the past years they claim that we have missed payments. We have been charged late fees each month. Our payments are always over the amount due and we are still harassed. They call claiming to opportunities and then later call to collect a payment that has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several paid charged off that are over 5 years old. Experian trys to say well you have delinquent payment history so we cant remove it till 7 years. But new York law says New York State General Business Law Section 380-j ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; I am requesting the following items be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX All these items are paid collections and over 5 years old. I am also a resident of XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app has taken fees amongst other things without my knowledge and also kept money of mine it would not let me transfer, etc
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Our business checking account was used for fraudulent purchases on Sunday XX/XX/year>. I called keybanks fraud hotline twice on Sunday and was left on hold without ever speaking to a single person. I sat on hold for over an hour. Live chat with an agent is also not available outside traditional business hours. I then called the fraud hotline Monday XX/XX/year> during business hours and sat on hold for another hour without speaking to a single person. There is NO response to fraud threats or acts of fraud. No prioritization or urgency whatsoever. Two days of attempting to contact Keybank regarding over {$700.00} of fraud and they have not even picked up the phone.
Product: Debt collection

CLARK COUNTY COLLECTION is reporting that I owed XXXX  {$1400.00} on account number # XXXX as of XX/XX/2014. This is not my debt, yet this collection agent keeps reporting the debt when I dispute it. This debt collector has ignored several letters in which I have asked for information on this account, such as the service address and the full name and social security number on the account in order that I can verify if identity theft has even occurred, or if there is some error in the reporting.
Product: Payday loan

I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal
Product: Payday loan, title loan, or personal loan

Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion is listing erroneous and fraudulent information on my credit report. I have written TransUnion last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and been added back. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but TransUnion somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account re-appeared. 


TransUnion is not giving me a proper investigation and Trans Union is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.
Product: Debt collection

Your Name Your Address City State Zip Code Name of Creditor/Debt Collector Address City State Zip Code Re : Account Number To whom it may concern, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt, as required under the Fair Debt Collection Practices Act. 

Specifically, I am requesting that you provide me with the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt.

3. Detailed information about the nature of this debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

6. The agreement bearing my signature stating that I have agreed to assume the debt.

7. Proof that the Statute of Limitations has not expired.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 


Sincerely,
Product: Checking or savings account

For the past four days I have tried to access funds from my account at 5 different atm machines located at three branch offices in XXXX, CA. Each time the atm had a notification that withdrawls were temporarily unavailable. I believe someone from Bank of America has made a decision to limit cash withdrawls throughout XXXX to either save money or reduce costs. I can not access the funds in my account. Other atms from different banks with which I have accounts are not having this issue. I believe this is an intentional action that was taken by the management of Bank of America in town. I would like for someone to investigate this matter and hold whomever was responsible for this decision accountable. During this pandemic crisis it is unimaginable that Bank of America can be left to take advantage of their customers for their increased benefit and profit. Banks receive preferential treatment for property taxes and other liabilities because they are supposedly offering a public service. I believe in this instance they have misused their authority and should be held accountable.
Product: Debt collection

CBA XXXX is currently reporting an alleged debt that they state I owe. The debt seems to be for services rendered from a medical service provider. I have requested validation of said debt and was sent a one sheet of paper that provided no significant information. I am on my third validation request from them w/no luck. 

They are located in Georgia however I can not find them on the Georgia Secretary States. I can not locate a registered agent for this company.
Product: Mortgage

In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX  to ShellPoint. On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave Equifax written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.
Product: Credit card or prepaid card

This credit card from SYNB/JC Penny 's DC reported balance of {$620.00} and credit card amount of XXXX opened XXXX XXXX is fraudulent.The address isSYNCB/JC PENNY 'S DC XXXX XXXX XXXX XXXX, GA XXXX USA This credit is on my XXXX  report.I never opened this account.
Product: Checking or savings account

On XXXX, XXXX, I looked at my bank account and noticed a random charge I never made from a website called XXXX, which is a womens clothing company based out of the XXXX. I disputed the charge with my bank. I am a XXXX  with a husband and a step son. No women in my household that I purchase clothing for. If I buy anything for a woman, its a gift card so they can pick what theyd like. Ive reached out to XXXX customer service, and I can not complete a call, itll hang up before I speak to anyone and I make sure to call during their business hours as I would like to know what was ordered. They gave me dates from XXXX as to when the item was ordered, and other information leading to the item being delivered with my address on it. I filed this dispute on XXXX, and they said the item was delivered on XXXX, which it never was as I have cameras around my house, but they only store the last 10 days so I do not have the footage anymore. My dispute claim is XXXX. 
My bank, Netspend SkylightOne has denied my dispute after 4 months. I have reached out to them asking to speak to a manager about reopening this dispute, or resolving this. They just tell me to review the information sent to me and they can not reopen it as they settled the dispute on their end. Ive had multiple co workers tell me their accounts got hacked and entire bank account drained. My money does not feel safe with this bank if this is their idea of security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiries on credit report Experian Also XXXX account that is inaccurate and not mine as well
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Checking or savings account

Someone call XXXX XXXX XXXX XXXX withdrew {$1600.00} from my business checking account on XXXX. I contacted the bank and they said there was nothing they could do. I have been stewing about this ever since and when I was talking to people about it they suggested I contact you. 
When I look up XXXX XXXX XXXX XXXX  there is nothing on the internet.