23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?
Product: Credit reporting, credit repair services, or other personal consumer reports

It behooves me as to why I am showing a missed payment when I speak to Capital One I am told that I missed the date it was supposed to be paid on and it is out of their hands and only the credit agencies can make that call. When I speak to the credit agencies I am told they only report what they are given. I have been going in circles for weeks on this and dont know where to turn, I do not feel that this blemish on my record should be there at all and I am requesting you look at the facts and remove it. My credit has dropped over 50 points because of this inaccuracy.
I was never 30 days late as you can clearly see.
I have attached the record of my payments and while I did not pay on the exact date it was never 30 days late.
Please let me know how to proceed and if you can just remove this incorrect error on the part of the credit card company.
I dont know how they can report me as thirty days late if I was not.
Please see the payment history of the card in question, this was copied and pasted from my bill pay.
Deliver by Paid to Amount Confirmation No. Paid from Status Category Date due XX/XX/XXXX Capital One {$130.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$120.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXXXX/XX/XXXX Capital One {$90.00} XXXX SHARE DRAFT Complete credit card Due XX/XX/XXXX 20 days late not 30 Due to death in familyXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXXXX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due XX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized DueXX/XX/XXXX XX/XX/XXXX Capital One {$150.00} XXXX SHARE DRAFT Complete uncategorized Due 12/20
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting an invalid debt in the amount of {$1300.00} on my Equifax Credit Report. This debt has a medical service date of XX/XX/2013. The Statute of Limitations to be sued for Florida is 5 years. This company XXXX XXXX XXXX is illegally reporting a negative item on my credit report. They have no right to collect. I did not agree to do business with them. My Equifax credit score has dropped by XXXX points. XXXX XXXX XXXX has harassed me with multiple phone calls throughout the day. This month I have disputed XXXX XXXX XXXX 's negative item 3 times on Equifax and all three times the negative item was not removed. Equifax has be negligent with its investigation practices.. XXXX XXXX XXXX has violated the FDCPA [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Equifax has not done a proper investigation and I have been told multiple time by Equifax representative that they are using an automated system and that Equifax relies on the Collection company to verify the debt. Equifax is using the E-Oscar system I believe they are violating the FCRA by not conducting a reasonable dispute. 

XXXX Direct disputes. 

Conduct a reasonable investigation with respect to the disputed information ; Equifax should have this negative item deleted. XXXX XXXX XXXX has not right to try and collect this debt and not right to be reporting any information about me. They a debt scavengers that violating credit laws. Equifax has done nothing to correct this issue. 

I want this negative item deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX {$25000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX  XXXX {$18000.00}
Product: Checking or savings account

On XX/XX/XXXX, I ( XXXX XXXX ) deposited {$370.00} in cash to my chase checking account ending in XXXX. My plans for this money was to transfer the funds to my XXXX account ending in XXXX. 

On XX/XX/XXXX I submitted a transfer from Chase to XXXX for the {$370.00}. See picture attached. On XX/XX/XXXX the funds of {$370.00} show up in my XXXX account like I would expect them too. 

Chase has a policy where they close accounts with {$0.00} balances if they have been at {$0.00} for 60 days. Well mine had been, and coincidentally the same day I deposited my funds on the XXXX of XXXX, my account was due to be automatically closed. Now, this wouldnt be a problem because like I said I had the money in my XXXX account, but the following happens the next day : On XX/XX/XXXX I get a message saying were trying to reverse your transfer. If the reversal is successful, we'll credit this payment to your account within 4 business days ( see attached ). Well, Chase reversed the transfer from the XXXX account ending in XXXX ( attached transaction ID ) and now I have no money available, and no account for them to redeposit my money back into because it was closed. 

On XX/XX/XXXX I called Chase support and they had no idea where the money in, I was furious and went into my local chase branch in XXXX Indiana. I sat in there for 2 hours no answers whatsoever. 

On XX/XX/XXXX I get a message from chase saying We've reversed your transfer to XXXX for {$370.00} we delivered on XX/XX/XXXX. 
We'll credit your pay-from account on the next business day. Attached. I call support again and no answer to where this money would be going or no indications of when it will be resolved.
Product: Credit card or prepaid card

Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXXXXXX Inquires : XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX 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 Employer : XXXX Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX : XXXX payment to XXXX XXXX {$1500.00} ; XXXX XXXX : XXXX payment to XXXX XXXX {$700.00} It turned out that XXXX XXXX XXXX be someone scammed by XXXX XXXX ( with XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This scammer XXXX scammed XXXX XXXX without authorization to receive my XXXX payment. XXXX may set up another fake email " XXXX '' and approached my friend 's friend XXXX XXXX XXXX  is a real person, I talked to him and he is good ). 

Story : a nice senior lady XXXX XXXX retired XXXX saying she want to donate a piano to his church at XXXX WA. XXXX found out no space in church for it and approached my son 's piano teacher XXXX. I thought XXXX knew this " XXXX '' as a real person. XXXX want XXXX to pass XXXX 's info to me to arrange shipping, saying I could get the piano after paying the shipping and storage. I did not receive piano as of today XXXX XX/XX/XXXX. Back in early XX/XX/XXXX I filed complaint with XXXX, bank of America. XXXX sent me a mail saying they can refund. 

The key issue here is : The scammer XXXX must have stolen XXXX XXXXXXXX XXXX info to accept my XXXX  transfer. XXXX is not being responsible in investigation or handling unauthorized transactions. 

I authorize transfer to legit business and person only. I never authorized money transfer to scammer person/ business/ person who did not authorize receiving my money!! 

It is hard to imagine now is XXXX and a established bank can't trace a financial scammer who left so many leads and traces online in the banking system!!! Don't we have XXXX and other XXXX XXXXarge data investigation tool?
Product: Credit reporting or other personal consumer reports

Transunion was contacted multiple times to remove the fraudulent account from XXXX XXXX XXXX amd my final attempt to have the information removed as my right under FDCPA
Product: Debt collection

Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA XXXX 
" Debt Scam ''
Product: Credit reporting or other personal consumer reports

XX/XX/year> I call talked to XXXX a rep from Experian I was trying to update my credit report with new home address and tried to correct the multiple names on my credit report I was told I'm not allowed to update information because its being report to them they just displaying. 

I TRYING TO UPDATE MULTIPLE NAMES ON MY REPORT i should be only one and my current address
Product: Credit card or prepaid card

Ive applied for a citi bank credit card on XX/XX/2019 to try and start up a credit line. I got a letter basically telling me that theyve denied my request. So on I went to my personal bank and I got approved for a credit card, told me to download XXXX XXXX. Went on it showed that I have a inquiry from Cbna. Which by the way I do not have any accounts with them.
Product: Mortgage

I am respectfully responding to the latest email from Wells Fargo Bank dated XX/XX/XXXX @ XXXX XXXX. This is a continued Retaliation and Discrimination from Wells Fargo Bank to my family. 
I have already contacted President Joe Biden and Members of the Senate and Congress regarding this important matter. 
It is very disappointing that Wells Fargo Bank has closed my Work out loan modification several times since about XX/XX/XXXX till the present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to obtain my TransUnion credit report since XXXX of XXXX  and each time I request it, I get a new excuse for why it can not be provided. I have sent my phone bill that was less than 30 days old when I requested my credit report, I sent a photocopy of my drivers license and my social security card. I have requested it multiple times in order to be able to check it for accuracy and each time I receive a new reason for why it can not be provided. 

I am by law, allowed a free credit report once a year to allow me the opportunity to review and dispute any information that may be inaccurate, however TransUnion has repeatedly refused to allow access to the report. This causes severe doubt that the information is accurate in the report. 

I am attaching a copy of the phone bill that I sent a copy of, a copy of my drivers license that was sent to them, a copy of each of the denial letters that TransUnion sent me in return for each request I made for the report. I am not including a copy of my social security card but it was also mailed to TransUnion.
Product: Credit reporting or other personal consumer reports

I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/year> which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.
Product: Debt collection

I natural persons XXXX XXXX XXXX federally protected consumer pursuant to  FDCPA is the only authorized agent representative for XXXX XXXX, ( there are no third parties involved ) hereby state that Wells Fargo has been in default XX/XX/2021, after failing to  rebut line for line, point for point, question for question to  my affidavit sent I entered a consumer credit transaction with Wells Fargo XX/XX/2021 by use of USc 1602 ( j ). According to  28 USc 3002. Also pursuant to Title 18 USc 8 Debt is the obligation of the United States. A finance charge took place and according to  12 CFR 226.4 the company Wells Fargo isn't allowed to  take comparable cash transactions. Also according to 15 USc 1605 ( a ) the finance charge everything was supposed to  be included in the sum of all charges but was not, pursuant to 15 USc 1605 ( j ). Wells Fargo denies that pursuant to  USc 1602 ( g ) XXXX XXXX is the original creditor of account XXXX, which is a violation pursuant to title 15 USc 1692 e ( 2 ) a. The term " creditor '' refers only to a PERSON who both regularly extends consumer credit. Wells Fargo committed fraud pursuant ( 29 CFR 2850.412-9 ) stating they gave me a loan, but pursuant to 12 USc 1431 , the role of a bank is to  not extend credit, nor loans. Pursuant to 12 u.s code 83. I have put Wells Fargo on notice with a written cease and desist affidavit, But Wells Fargo continues to disregard and not comply with the received cease and  desist affidavit sent on XX/XX/2021. They called me on XX/XX/2021 at XXXX. XXXX, and  XXXX which is a violation under title 15 usc 1692c ( c ) and that is a form of harassment under title 15 usc 16929 ( d ) 5. Wells Fargo also has been pulling my private information from the consumer credit reporting agencies of old addresses, phone numbers, and  emails attaching this information to my profile in their system. That is a violation under 15 USc 1692b. I have been going through mental anguish, having XXXX XXXX XXXX, getting XXXX XXXX, caused by the harassment of Wells Fargo. It has raised XXXX XXXX XXXX XXXX and  XXXX to the point of me not being able to do my everyday task. This has all been placed under my XXXX filing Lien with the state of California on XX/XX/2021. ( see attachments ) Documentary evidence that supports each claim. If you fail to uphold the law i will be filing suit in federal court, DEFINITIONS : If you are oblivious to the terms used here are the definitions by Law pursuant to 15 USC 1602 : ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required
Product: Debt collection

Midland Credit Management Inc sued me on XX/XX/XXXX about a credit card where the last payment was made in XX/XX/XXXX. The statue of limitation for Utah is 4 years. I am living solely on VA XXXX benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company SCA COLLECTIONS XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just opened a secured XXXX account with CapitalOne. Their online system tells me that I am still responsible to pay on two ( 2 ) credit card accounts that were settled as " paid in full '' almost two years ago. I contacted the law firm that purchased the two charged off accounts. They confirmed Ido NOT owe on those two accounts and have provided me letters stating just that! Capital One rep admitted they are aware of this problem with their computer system but they have no idea of if/when it can be fixed- I am quite sure they are reporting this same erroneous information to XXXX, XXXX and XXXX! Help!?
Product: Credit reporting or other personal consumer reports

My student loan balance with XXXX was transferred to XXXX in XXXX of 2024. On XX/XX/year> I noticed that my student loan balance was showing with XXXX but also with XXXX causing my debt to be double the amount on my credit report. XXXX I submitted a dispute with all three credit bureaus for the inaccurate balance on my XXXX student loan. I attached the copy of the balance report showing XXXX balance from XXXX with my dispute. On XX/XX/year>, I received notification from the credit bureaus stating my balance of {$130000.00} was accurate with XXXX and that I made at {$720.00} payment in XXXX ( which I did not ). On XX/XX/year>, I called XXXX which they again confirmed my XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.