23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  # XXXX Account has violated my rights 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I applied for a Capital One credit card with XXXX XXXX on XXXX and after a few hour i was told that my application was denied without any further explanation, I have very good credit and my application ( Securities ) are gon na be traded on the secondary market without my permission, if they don't extend me credit or send my application ( Securities ) back to me Im reporting that company for SECURITIES FRAUD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I try to use my debit card and I couldnt use it and I signed in to my online account it had a message to call customer service because my funds where not going to be available and when I called they told me they were closing my account and that i was going to receive a check for my funds in 7 business days and as of today I havent received anything i called them and i told them it has been a month and they said they dont have a date for me when they would send me my funds
Product: Debt collection

Client had an account with XXXX XXXX. After receiving a free government phone, she added another line to the service, but when the fees turned out to be astronomical she cut off the services. She made as many payments as possible but the balance never went down. Now she owes a large sum of money to a collection company. That company has not validated the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX And Jewelry located in XXXX, OR. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX And Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Agency XXXX, XXXX, Equifax have Violation of my Family Educational Rights and Privacy Rights dating back from XX/XX/XXXX ( XXXX XXXX XXXX $ XXXX ) ( Dept of Ed/XXXX  ( XX/XX/XXXX ) {$28000.00} Loan. 
I been at this for a long time and I tried to get this information off my credit. All of these Credit Agency still reporting my information as of XX/XX/XXXX
Product: Mortgage

I have been trying to get Online to see if my payment has been processed and the web site is gone- it will not come up. I made a payment on line back on XX/XX/XXXX which is my XXXX payment late - but themoney is still in my bank account has not been withdrawn and there is no web site and no one will answer the phone. I do not want a 30 day late on my credit and that will be XX/XX/XXXX. XXXX XXXX and the website is MYLOANCARE.com
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit card or prepaid card

My social security number was stolen and a credit card with Bank of America was opened. A credit transfer of {$100.00} was also initiated from a credit card that I do own. I called my bank and they closed the account and initiated a pause on the credit transfer.
Product: Credit card or prepaid card

I paid for electronic services partially done at my home with a Citi Master card on XX/XX/18 {$1000.00}, and on XX/XX/18 {$1000.00}. The work was not completed, and the partial work done, stopped working. I contacted the vendor and made 4 appointments which were never honored, nor called. I contacted Citi to initiate a dispute immediately. I also researched the vendor 's company in XXXX and the corporation is in default, additionally, I arranged to send the parts he installed, to the address I had, and it was returned being that the place is empty, no business there. I gave all this information to Citi, and requested for this transaction to be considered FRAUDULENT. Citi responded on XX/XX/2018 that they couldn't help me anymore, and that their investigation was complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Number ( XXXX ) ( XXXX ) ( XXXX ) U S DEPT OF EDXXXX The above creditor has violated my rights. 

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: Checking or savings account

On XX/XX/2022, I received four emails right after the next from Wells Fargo stating that I applied to open a checking account, that I needed to clink a link to e-sign, that my account was approved and that I could start using my account. All four emails came into my inbox in TWO minutes and I never clicked on ANY of the links in their emails.

I did a google search on this and saw that there is a history with Wells Fargo employees opening accounts, etc. so I immediately called their fraud department and went through a lot of questioning to prove who I was and that I didn't open the account. After some holding and more info, they put a freeze on the account ( I've never had an account with Wells Fargo ) and said they will continue the investigation, etc. and will be reaching out to me later with updates via mail. After my call to them, I put a credit freeze on my credit with each of the three credit bureaus, changed my email and banking passwords and I'm filing here. Luckily, I caught the emails immediately from Wells Fargo and no transactions were made under my name with the new account before they froze it. 

In researching this bank online, this seems to be the norm with them. Lots of scandal, lots of fraudulent account openings according to stories online.
Product: Debt collection

On my XXXX attempt, 14 months ago ( XX/XX/XXXX, ) during a phone call with someone named # XXXX at XXXX XXXX, I requested a copy of the contract with XXXX XXXX XXXX. I informed YCCS A National Collection System that I never signed into a 1-year contract with XXXX XXXX XXXX XXXX I informed them that they are attempting to collect a debt that is not mine. I was never sent what I requested 14 months ago, nor can YCCS provide proof that they sent me a copy of the contract I requested. 
14 months later, after I called YCCS, they did finally send me a copy of the contract I requested. I called YCCS on XX/XX/XXXX, at XXXX XXXX, after I received a collection notice from them. I informed YCCS during my 2cd discussion with them that, again, they are attempting to collect a debt that is not mine. 
XXXX at YCCS lied to me and said my signature was on the contract with XXXX XXXX XXXX XXXX. The calls with YCCS are recorded calls and they lied to me 2 times by telling me they sent me a copy of the contract I requested on XX/XX/XXXX and by telling me that I signed the contract. 
I have attached a copy of the contract. Please note the following : states that the agreement is with XXXX XXXX, not me. 
states ( by the XXXX owner ) that XXXX XXXX signed up herself, XXXX XXXX and XXXX XXXX for a XXXX membership. My signature is nowhere on the contract. 
the contract is signed by XXXX, whos name begins with a XXXX  letter, my name does not begin with a XXXX  letter. 
My name is listed, but no signature binding me to the contract. XXXX added me to her account. 
No signature binding me to the contract, again the signature of XXXX XXXX is on the contract. 
Name of XXXX XXXX listed ( minor ). 
Signature of XXXX XXXX, again no signature binding me to contract Emergency Contact # 1 name misspelled and a different address listed than 1 for XXXX XXXX for the gym membership. 
I request the YCCS A National Collection System CEASE & DESSIST collecting this debt on me, XXXX XXXX XXXX. I am not bound to this agreement. My signature nowhere on the contract. 
I have attached the contract and the areas of significance are highlighted orange. Also, a copy of the only collection notice I received from YCCS 14 months after I contacted them. Additionally, I attached the unprofessional handwritten envelope the contract was sent in. I never received anything like this in the past from YCCS. XXXX lied to me about sending it 14 months ago.
Product: Debt collection

On XXXX XXXX XXXX XXXX sent a account to Portfolio recovery, and they put it on my credit report without notifying me.
Product: Money transfer, virtual currency, or money service

Reported a weird looking transaction, which I corrected right away. A " One-Time '' sell which stated " per XXXX '', I've never seen such a thing and that type of order isn't listed anywhere in the terms or website. Reported it as strange, and inquired about its origin. Pretty straight forward, supplied the requested information and have since been frozen out of the account ( Frozen since XX/XX/2021 ). Called, no people. Email, little or rare response. The most frustrating experience I've had with any company that handles money. Been with them 4 years will not make it to 5.
Product: Money transfer, virtual currency, or money service

I Received a Email through my phone that stated money was sent to a XXXX XXXX in the amount of $ XXXX/ $ XXXX/ {$500.00} onXX/XX/2019. using the cash app you have to put in a pin # if you accept or decline the transaction there was nothing thaasked me for a pin number for neither of the 3 transactions.  Also if that person is not a contact in your phone the app verifies that the person is not a contact ask if you are sure you want to proceed with this transaction .That never happened today. I tried contacting Square and had no success with them. Money was taken straight out of my checking account not off of the card. The normal process is it is taken off of the card not out of your account.
Product: Debt collection

I'm in the process of getting my ex-wife removed from the timeshare deed that I'm also trying to get canceled. Now I'm in collections and it's thrown a wrench in everything. I asked for them to validate the debt which they've failed to do. Blackwell needs to return the debt and move onto someone else. I've just changed jobs after being laid off and I need this off my plate. I intend on working this out with XXXX which I was in the middle of before Blackwell got involved.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020 I paid off my vehicle loan and requested my title. Navy federal sent my title to a person in Texas who I have no relation to. I dont know the person, never met him. I called and they said it was their mistake. It is now XX/XX/2020 and I have yet to receive the title for my car and no one has contacted me updating me on progress with my situation. Every time I call they push me around and I get no help or answers. 6 months driving around with another persons name as the owner of my car that I paid for. I am a XXXX woman and driving under those circumstances are dangerous. Also I am unable to sell my vehicle or register It in another state. No one is helping me. This is unjust and navy federal is showing a lack of sympathy and responsibility.
Product: Debt collection

The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent myself a XXXX from a XXXX account on which I am an authorized user on. The XXXX has been on hold for 15 days and Bank of America refuses to release it. At first, they accused me of fraud and then after 2 hours and 5 different reps in all different departments they asked me to call XXXX bank. XXXX bank told me the money has been sent the transaction has fully posted in the XXXX account, they no longer have the funds. XXXX offered to call bank of America and explain it to them but the bank of America employees refused to speak to the XXXX  employees. I have been a bank of america customer for 10 years and pay over XXXX a year in interest payments. I am shocked they are treating me like a fraudster for only {$300.00} XX/XX/XXXX sent XXXX from XXXX to Bank of America XXXX fully sent and posted money Bank of America had a XXXX glitch on on XX/XX/XXXX and promised they would fix the account. 
On XX/XX/XXXX bank of america is still holding my {$300.00}.
Product: Debt collection

I don't know what happened but this company XXXX has once put a debt on my account from several years ago. It got it investigated and taken off my report but they still call me every 2 to 4 days. They also change phone numbers. I have blocked several numbers. I just want them to leave me alone. I have screenshots.
Product: Credit card or prepaid card

A skateboard was purchased on XXXX for {$1600.00} onXX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. Capital One refused to further assist me in this dispute despite having already returned the item back to the merchant. I expect a full credit of {$1600.00} to be posted back on my credit card statements as I DO NOT retain possession of the skateboard anymore. The item was returned back to the merchant and a return tracking number is provided. As such, a full refund is 100 % expected at this point in time. I expect Capital One to process this dispute and refund the charge for {$1600.00}.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. 

The following items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 Section 602 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.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Im fed up of American Express they have been running me around for months on a claim where the company XXXX Sent them a bill for repairs to the car days after turn in and they also sent the rental agreement with the check out stating I was checking car out with scratches and dings, and ON THE CHECK IN SIDE THEY HAVE NO ADDITIONAL DAMAGES!! And both check in and check out are signed American Express has had to reopen this claim 4 times!! I have sent in Pictures of the car, My statement, signed a affidavit, a video of car at turn in, and a copy of the rental agreement saying no damages at check in ... American Express has asked me to File some type of car insurance claim on the damages but that would be filing a false claim because there was no damages, as well as I have grave all the information that I can possibly give!! The amount in question is {$570.00} and i ask for this amount to be credited to my account right now! I 'm done talking to these guys!! running me around for months, open and closing claim, hoping I fail to respond so they do n't have to pay is wrong! This company has lied and was caught lying red handed by there own paperwork they sent to American express.. what more would you need besides there own documents, pictures and my statement!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX and XXXX  Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX  REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Product: Credit reporting or other personal consumer reports

Don't know the dates or amount I'm trying to investigate who's cellphone number is this ( XXXX ) XXXX in my TransUnion account understood I never gave anyone permission or authorization at all please report n file the fraud in the first degree understood
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of 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
Product: Debt collection

In XXXX I drove my Dad who is XXXX to an area near the square in XXXX XXXX. My Dad ancestors are from the area. He is XXXX and I sent a copy of the XXXX pass along with a note and the XXXX never responded and sent me to this debt collector. 

A year later I received a ticket for driving in a area without a authorized pass. 
From there I heard nothing unit Ceder Business Services harassed me about a {$480.00} debt by phone repeatably. The fee was {$180.00} that I originally received and responded to a year earlier. 

Today I receive a letter form the debt collector that states " We inform you that if you do not react to our request for payment, legal proceedings for coercive debt collection will take place.