23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX   sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
Product: Checking or savings account

I was rushed to the hospital by ambulance in the XXXX of XX/XX/2024 around XXXX. After being discharged and went to my daughters to sleep since I was on heavy medication. The next day XX/XX/2024 I was driven to follow up with my family doctor is when I noticed that my small wallet in my purse was missing and one of my phones. I called the police and went and made a report and I called credit card companies and canceled my accounts and callled chase to cancel my debit card and they confirm I had {$11000.00} worth of withdrawals and charges. They confirmed that some of the ATM transactions werent made by me and gave me a temporary credit for half of withdrawal charges which was {$1400.00} and they only refunded me {$800.00} and then the XXXX XXXX charges ( {$9800.00} ) they decided I made them ( I guess while Im in my hospital bed ) and denied my claim and will not give me my life savings, even thou they didnt conduct a proper investigation to see who did the charges ( which I begged them to do ) So now Im out my life savings and Im really depressed to the pint that I was hospitalized again XXXX later after they denied my claim Please please help me Im willing to provide any documents, proof, or anything that is asked of me. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove the ones listed on the FTC report as well 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I placed a phone call to what I assumed was XXXX to rectify an issue with an order that I thought was not for filled and that I was charge for little did I know it was a fraudulent URL that linked me to scammers that convinced me that I was going to set up some accounts to get my refund cabinet back onto my card they had me download quick support and I remitly I assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a debit card your mouth monthI assume when downloading those abs that there was a way that XXXX online grocery had found a way to give customers back their money a credit it to their original method of payment because generally when I return things for my XXXX online grocery I am always repaid baggie with a gift card so I went along with this scheme not knowing that later on to discover that these guys were scammers and that they had taken almost {$2000.00} from me when I discovered what they were doing when I was downloading the app and go on two different steps I mediately disconnected the phone and I went up to my bank to let them know what happened my bank is XXXX XXXX XXXX they closed off the account and which one of those returns from the transfer a company was reversed and it was refunded back by the other one has not been refunded back XXXX XXXX XXXX why I my bank refused to assist me with this matter and told me to contact a Remitly and Ive contacted remitly and Ive been told different stories that the money will be refunded and maybe the bank hasnt refunded it back a lot of different things in unless I submit all of my statements to them and then finally they told me that they cant refund the money back because once its transferred its transferred and theres no way to track it and they have suspended my account girl and my bank and said the same thing that they cant help me get it back because I set up the account and gave them the information to the scammers and my bank XXXX XXXX XXXX was very very rude to me and Ive been a valued customer and my bank XXXX XXXX XXXX was very very rude to me and I've been a valued customer I am beyond frustrated and I know nowhere to go or how to get any assistance to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. XXXX XXXX XXXX account resulted from identity theft and was already deleted to XXXX and XXXX but not Experian. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from Experian and XXXX XXXX
Product: Credit reporting

My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account in question being reported by XXXX XXXX, which still appears on my credit report, even after your investigation upon my request. XXXX XXXX responded to the inquiry, however I would like this item immediately re-investigated. The reporting details are incomplete and inaccurate. These inaccuracies are negatively effecting my credit score. 

XXXX XXXX - Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account in question, so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XXXX saying that the XXXX credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone. 

The is additional information on Filed Claim on XXXX and Claim number XXXX and no answer yet. 

However, discovered that VISA is BLACKING LISTING FOLKS AND THIS MIGHT BE THE REASON THAT CAPITAL ONE BANK denied me the credit card with excellent credit see attached. 
PDF " Social Credit Score Is In America : Visa Blacklisted My Business and My Family for Building Gab ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My mother held a checking account in XXXX at the Wells Fargo in Wyoming. My mother was XXXX XXXX XXXX at the time and there was an awareness of her condition at the time the account was opened. My father was listed as spousal beneficiary. My mother passed in XXXX XXXX XXXX. The bank was notified and the account was closed. Years passed and my father was sent a check for the balance that he did not have the opportunity to deposit prior to his death in XX/XX/XXXX. The bank was contacted. We requested the check be reissued to the estate. Relevant documents were provided - death certificates for both parties. A copy of the trust. A copy of the court assigned executor of the estate. Well Fargo failed to clarify their process and told us that as the result of a deadline the check had been sent to the state of Massachusetts. I have tried to engage the state of Massachusetts about the check but it does not appear to have been issued to the state. It does not appear in searches under my parents names. I would like information about what happened to the check.
Product: Debt collection

I am writing to complain about United Collections Bureau Inc., a debt collector that has been violating the Fair Debt Collection Practices Act ( FDCPA ) by sending me payment request letters after I have already told them to stop contacting me about payments for the debt ( which I have kept a recording of ), and to provide a debt verification letter and to consider the debt in dispute until further notice. 

Despite my request, United Collections Bureau Inc. continued to send me payment request letters. I have kept a recording of all of my conversations with United Collections Bureau Inc., and I have proof that I requested them to stop contacting me. I have also kept the post mark dates on the multiple letters. 

I am requesting that the Consumer Financial Protection Bureau investigate United Collections Bureau Inc. and take appropriate action to protect consumers from this company 's unfair and abusive debt collection practices.
Product: Credit card or prepaid card

I added a Membership Rewards bonus offer to my American platinum credit card and in XXXX XXXX the offer states spend XXXX, receive XXXX bonus points ( I have a screen shot of this offer ). I made a XXXX purchase on XX/XX/2022 and never received the bonus offer. I inquired about the bonus in XX/XX/2022 and was told I had to wait until the bonus offer expired ( XX/XX/2022 ), I reached out to Amex chat XX/XX/2022 and was told that there is a technical delay, no time frame, no ticket number, on when I would receive the bonus points. 

I have experienced this with AMEX membership points in XXXX regarding missing bonus points, have spent hours on the phone with representatives every few weeks to follow up and never given the earned bonus points. 

This is a scam the company is running, they are not following through with bonus point offers on their credit cards for customers.
Product: Bank account or service

Fifth Third Bank manipulated my account to obtain additional fees. They have violated banking practices by delayed posting of transactions resulting in a circle of misinformation and discrimination on the basis of account type. The bank advised me they process all transactions twice through overnight processing and systematically reject transactions to obtain ATM and overdraft fees on savings accounts which is not permitted and do not operate with the opt in or opt out policy for overdrafts as required by federal regulations. Upon notification to the bank I was advised their resolution was to coach their employees and continue operating under these practices despite knowledge this was against regulation. The reference ID I was given for this matter is XXXX and I spoke with XXXX and XXXX both supervisors in the department regarding these illegal practices.
Product: Credit reporting or other personal consumer reports

I want Chex Systems, XXXX XXXX XXXX and XXXX to add and report the following personal information on my Chex Systems, XXXX XXXX XXXX and XXXX XXXX file and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota State ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX , Employer Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}
Product: Student loan

I have both private and federal loans through Navient that are set up to automatically debit every month from my bank. I try to make extra, separate payments. I am unable to make a direct payment to one loan online ( trying to decrease the principle ). Only option is to mail in payment, with a note telling them how to apply the payment. It does n't matter if my note is clear and concise, they never apply the payment to the one loan requested. The money is spread over multiple loans, not only to the loan with the highest interest I am trying to pay down. They ignore that I say to not advance the automatic debit - if I do n't catch it, i could have a loan with potentially months of time passing without payments being made automatically. This happened with XXXX and navient.
Product: Debt collection

Debt appeared in my Credit Report and it is not owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and Equifax and they have failed to report my balance owed as {$0.00}. The statement from Equifax and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.
Product: Consumer Loan

I took out an online loan from Spotloan last year 2015 when I had a job. They were taking payments out every 2 weeks from my bank account. I lost my job and my bank closed my account. I am not seeing the default on my credit report. I received a threatening phone call yesterday from a guy named XXXX XXXX who stated he was with some liason company and that they were serving papers on the XXXX of XXXX and I needed to be home or at work between XXXX. I needed 2 forms of ID and that if I did n't comply, I would go to court and jail. Gave me a phone number to call with a reference number. Was very rude and hung up. I called the phone number he gave me. The man stated it was from a loan i took out last year from Spotloan. He said I owed them. First he said XXXX, then he said XXXX..ONLY to be paid by CC. I looked up the number and it said NO number found that it was probably from XXXX. XXXX. That was the XXXX guys # ... the other one is XXXX. I do n't appreciate them THREATENING me like that!!! How can they serve me papers? I thought the courts had to do it. And I looked on my court records. Does n't say anything about being served. What can I do? It 's not on my credit report.
Product: Money transfer, virtual currency, or money service

Notification from your company that you have entered my account number in the new address to cancel the account on the previous incorrectly opened and deleted address. At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 

Reference ID : XXXX my account XXXX
Product: Debt collection

XXXX XXXX XXXX reported judgment against me for a debt that does not belong to me. I have no idea what kind of company is this.
Product: Credit reporting or other personal consumer reports

My credit repair specialist has sent in multiple documents to XXXX, XXXX, and Equifax as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, XXXX and Equifax about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all 3 companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX ( THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXXXXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the CEO of XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX XXXX  with no help in return. 

XXXX XXXXXXXX XXXX XXXX # : XXXX Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Late Payment