23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX XXXX XXXX XXXX to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case. 

XXXX XXXX XXXX , XXXX XXXX XXXX p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a Care Credit Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me. 



I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter Ms. XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file. 

Thank you XXXX XXXX XXXX , XXXX XXXX XXXX p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that Mr. XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.
Product: Credit card

Some one open Macy account on XX/XX/ and charges {$920.00}. I only found out when Macy send the statement and credit card home on XX/XX/23. I try to request Macys for video of the charges on that date because I believe they have my identity and open on that date. If you ask Macys at XXXX XXXX XXXX in XXXX, TX on that date and at the men dept then you can see the person doing fraud. Because all Macys has camera inside store.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX I received an email that my Discover card account had been closed. I called Discover and it was mentioned that a letter and email had been sent ( XX/XX/XXXX ) regarding the account status, however neither of those had been received nor exist. I have received several other account-related emails from Discover during this time. The representative to Discover sent me to a non-responsive team who she believed could assist me with the account, but she actually just terminated the call. 

I reached back out to Discover and was escalated to a supervisor shortly after my interaction on XX/XX/XXXX. The supervisor reiterated the dates but stated that the account had been terminated, they could not assist. They could not verify the address the letter was sent to regarding the account status. 

Despite having their app, numerous emails and letters about my account, and activity within their products, I believe my account was incorrectly terminated by Discover and they display anti-consumer negligence in their consumer outreach and customer service.
Product: Checking or savings account

On XX/XX/2018 I opened a Citibank Account Package online. The terms for new account bonus were " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : -Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
-Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. '' I fulfilled all the conditions above and left the funds in the checking and savings accounts for a couple months. However, until now I still have not received the {$400.00} bonus. Furthermore, on XX/XX/2018 I also contacted Customer Service via chat and submitted a dispute about this issue but also have not heard anything since then. 

Please look into this request and issue the {$400.00} bonus as promised. Thanks.
Product: Debt collection

Spoke with a XXXX XXXX and XXXX XXXX. Told both that this alleged debt does not belong to me, it is a result of identity theft. I initially told them this in XXXX and they continue to contact me after I have furnished them with an identity theft report
Product: Debt collection

On XX/XX/XXXX I received a call from Finkelstein Kern Steinberg & Cunningham of XXXX TN threating me with further legal action if I dont increase my payment on a judgment that I pay on monthly. The judgement was entered on XX/XX/XXXX for two accounts. They were setup on a XXXX XXXX  monthly payment for each account. I was never told this was temporary. I was able to pay one account off last month. Now they are demanding I restructure the agreement to pay more. I am currently unemployed and can barely make the {$50.00}. I have most months since judgement paid more than agreed never late nor missed.
Product: Debt collection

My identity was stolen and used to acquire a prepaid XXXX XXXX XXXX XXXX to the amount of {$500.00}. It is associated with XXXX. The thief used the card to purchase a {$1200.00} XXXX XXXX from XXXX, then started a line with XXXX. I found out about this in XXXX via a bill from XXXX XXXX. The thief used my identity on XX/XX/2023. I opened a police report via the XXXX Police Department, XXXX # XXXX, and sent letter a to XXXX XXXX, XXXX and XXXX to explain the situation. The police offered no help. The only entity to reply to my letters was XXXX. They did not believe me because this took place in the same city that I live in ( XXXX PA ). The representative on the phone did not seem to care about my situation and seemed more interested in when I would pay them. Afterwards, I received continuous phone calls in regards to the debt they demand I pay. I've received multiple bills from XXXX XXXX, XXXX and XXXX. This situation has negatively impacted my credit score. The debt to XXXX ( via the prepaid XXXX XXXX XXXX XXXX for {$500.00} ) has been sold to XXXX XXXX I, XXXX. The debit " balance consists of {$480.00} of of principle, {$100.00} in interest, and {$260.00} in fees ''. I'm reaching out to receive help in proving that my identity was stolen and therefore I should not be responsible for these debts, and should that be successfully proven, receive help and advice in how to avoid possible persecution from these businesses in the future, and how to defend myself against any business that would allow identities to be stolen without any proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several hard inquiries on my Transunion and XXXX Credit Reports that do not belong to me. Ive reached out to the creditors as well as Transunion amd XXXX informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX 2021 XXXX XXXX  XXXX XXXXXXXX, 2021 XXXX XXXX Inquires Listed on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, 2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

Trying to buy a home for my family I realize there damages to my credit report. According to the 15 U.S.C 1681 law there should not be no damaging information to my credit report. It is considered defamation to my character. Mariner finance has refused me 1099.
Product: Credit reporting or other personal consumer reports

I filed for fraud back in 2023 and the company gave me a credit for the investigation due to the documents i uploaded, months after the investigation the company took the money back but i didnt have it in my account so my account went into negative state, they put it on my credit without notifying me of the reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE FACTORS SHOW OLDEST ACCOUNT XXXX YEARS OLD & AVERAGE ACCOUNT JUST XXXX YEARS OLD I DISPUTED THIS INFO SHOWING I HAVE MANY ( AT LEAST XXXX ) ACCOUNTS BEEN OPEN ( CLOSED/PAID NOW ) FOR 7 YEARS OR BETTER ALSO MY OLDER ACCOUNTS ( PAID ) PAYMENT HISTORY DOESNT REFLECT ACCURATELT FOR OLDER TIMEFRAME
Product: Credit card or prepaid card

J.P. Morgan Chase is marketing a " My Chase Plan '' on their Chase credit card accounts as a way to pay off purchases over time with " no interest. '' However, if you calculate the monthly fees they assess on each payment, the actual interest rate of their financial plans is between 22.37-22.91 % over 6-18 months periods, on my account, which has a 22.99 % purchase APR. The " no interest '' payment plan is being deceptively marketed to consumers as a more efficient way to finance larger purchases, but clearly provides little to no actual savings, and commits cardholders to a significantly larger minimum payment than they otherwise would be required to make each billing cycle had they simply made a purchase. https : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several inaccurate and unfair accounts on my consumer report. The banking system is dependent upon my consumer report being fair and accurate. Without my consumer reporting being fair and accurate to me I can not extend my credit and provide for my family. I was never notified from TransUnion that the accounts in the letter attachment would be furnished on my report. TransUnion failed to do the initial investigation for these reports and ask me if the accounts were mine or if I wanted them furnished. This grave error has undermined my confidence in TransUnion. TransUnion assumed the role to furnish this information on my behalf. I did not give them my written consent to furnish any of my private information. Please see my following letter for all accounts to be updated or removed. The accounts I am specifically talking about are attached and uploaded as well.
Product: Debt collection

Portfolio Recovery has violated my rights to proper verify the alleged debt, regarding account # XXXX and account # XXXX, account # XXXX. on XX/XX/XXXX i requested Portfolio Recovery to request for validation, and they just sent me a bunch of old statements. i will attached the copy of the letter and the certified tracking mail. and continued to report this alleged debt to the credit bureaus and calling me everyday. 
XXXX certified XXXX
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding the sudden closure of my PayPal account on XX/XX/2023. Without any prior notice or explanation, my account was terminated, preventing me from conducting online transactions. 

As a long-standing PayPal user in good standing, I am baffled by this action. I have always complied with PayPal 's terms and guidelines and have not engaged in any prohibited activities. 

I kindly request your assistance in investigating this matter and urging PayPal to provide an explanation for the account closure and restore my account. I believe in transparency and fairness in financial dealings, and this incident has left me without a platform for my online financial needs. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor CKS PRIME INVESTMENT is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe CKS PRIME INVESTMENT ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( CKS PRIME INVESTMENT & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from CKS PRIME INVESTMENT within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit card or prepaid card

I was on the phone today for an hour and a half on hold most of that time with The bank and when it was all said and done you still didnt resolve my issue. You tell me I need to write another letter and repeat everything that Ive already told you. I called about case number XXXX it was a dispute with home advisor that was rebill to my account its true youre very clear that that can happen Im just not sure how in the world it happened this time. The dispute basically revolves around them not showing up to do the service that I hired them to do you already have all the information yes I ordered the service I was told today on the phone that you receive documentation from the company the gentleman I spoke to on the phone and reviewed the documentation with me and I went ahead and logged in and looked at the documents myself the only thing that the documents are showing is that I ordered the service I was never disputing that part I was never disputing the fact that I ordered the service I did order it I ordered it I paid for it the part that Im stealing is the fact that they never showed up you clearly didnt dispute this correctly with all due respect I know all the stuff is probably complicated on your end but somethings not right the documentation received dont say anything about actually showing up and doing the service its all about booking the service I mean they show where I booked it and yes I booked you but you didnt Show up and perform the service
Product: Debt collection

I received a letter from my bank, Wells Fargo on XX/XX/2024 stating that there was judgement on my minor sons account ( I am the guardian of this acct ) and that on XX/XX/2024, {$2.00}, XXXX was withdrawn from my acct. they had no additional information other than the court officer and a phone number. I called the phone number provided and left a voice mail to find out what this was in reference to. In the meantime I called my bank to see if I could get more information to which they had none. All the money in that account was directly deposited from a child support order as a result from a recent court case. I explained this to them and they were aware. I received a call back from the court officers secretary and she gave me the information of the attorneys. I explained the situation to her, that I was never sent any paperwork and had no idea what this was for and told her about the child support money. She immediately told me to contact the attorneys XXXX and XXXX at XXXX. I called and spoke to the paralegal. She looked for my case and could not locate it at first due to the conflicting mailing addresses. When she did find it she told me it was a debtor named ugh but this was not the original debtor. I told her I never received any paperwork on this and the money that was levied from my sons acct was all child support money. She said to cal my bank. I told her my bank couldnt even give me any information. She then got very nasty and told me to wait for a manager. She put me on hold for over XXXX minutes came back and said no one was available and they would call me back. I have not received any calls. I called and left another voicemail and sent an email asking where I can send the documents and burden of proof that the money in that acct was child support. My employer reached out to me on XX/XX/2024 stating that he received a court order to garnish my wages for the same debt. XXXX weeks after the money was withdrawn from my Wells Fargo account. This is harassment. I was NEVER sent any paperwork. I want copies of paperwork at my address to prove they sent me something dated. I want the information on the debt and what it was for and a chance to set up a payment plan if it is valid. I want the money for my sons child support deposited back to his account and I want to show the proof and court order that is what is was. I dont want to be ignored. I want the wage garnishment canceled and for them to stop harassing my place of employment.
Product: Debt collection

I have no knowledge of this dept nor have i signed a contract with this company or its affiliates
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2023 - XXXX sent my complaint letter to Capital One, in which I clearly stated how this scam has affected me personally, psychologically, and financially.
Product: Debt collection

Company repeatedly calls but refuses to identify their purpose for calling. When inquiring about whether or not they are collecting a debt, the company refuses to answer unless I provide my social security number. They then state that I refuse to comply/cooperate. I have not received any written notification and I refuse to provide my social security number to unknown callers. The number comes back to Wakefield and Associates and occasionally they will identify themselves as the caller ( but not always ). It is impossible to discuss anything with them on the phone otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of Identity theft ; see attached
Product: Credit card

i wasnt involved with opening these accounts. these are not my accts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an unsolicited Cash App card in the mail and was able to find that it was linked to an account in my name. I have never opened or attempted to open a Cash App account so I immediately contacted Cash App support and they opened an investigation. I have asked Cash App what information they require to allow people to open an account because my credit file is frozen and the information on the account was very outdated but they said they would not tell me unless I submitted photos of my drivers license or passport along with a selfie of me holding those items. I refuse to give out more personal information so they will not provide me with any other information about the account. They state it has been closed as of XX/XX/2021.
Product: Mortgage

On XXXX I called Chase Mortgage to ask for a payment deference to place one payment at end of mortgage to help us catch up [ I had recently changed jobs and it changed the way I was being payed ]. We were 23 days late one [ XXXX ] payment [ XX/XX/year> ] and even though I knew I had a bonus check coming in a few days and was going to make payment on XX/XX/XXXX, still thought it best to defer one payment if possible. They said they could help and that they would send me over to a specialist who handles those requests. After speaking to the man he said he would send me an information packet that would arrive in 3 days. After such time I received my pay check [ which I was expecting ] of {$2000.00}. My wife then payed Chase Mortgage the one payment to catch us up on XX/XX/year> of {$1000.00} and they instead took XXXX payments in the amount of at least {$2100.00}. It then of coarse over drew our account. I then found out XX/XX/XXXX so I called to figure out what was going on and complained somewhat about how they have facilitated to compound a balanced situation and caused it to become worse. So they then reversed payment which took a few days over XXXX XXXX and while other bills were clearing caused over drafts to occur. The Money eventually made it back into the account and by then other bills came out. The following week within 9 days of my first call they took another payment out NOT AUTHORIZED or approved by us in any way. We were late is all but now they have over drafted our banking account twice just because I inquired about help deferring a payment to the end. Now when we call Chase Mortgage an automated person says " they are trying to collect a debt '' and it's so infuriating that this institution could do this to me. They've taken 3 payments in 9 days when I only authorized one. I was 26 days late on one [ 1 ] payment. They are actively trying to ruin my finances in real time with access, somehow, to my bank account. I made on electronic payment they decided to do twice. I no longer want them to have access to my account remotely whatsoever ever. They have no right to take automatic payments we did not authorize! Our other Mortgage company never treated us with actions like this over an inquiry about a possible deferred payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and still see a account that was part of my identity theft case.
Product: Payday loan, title loan, or personal loan

It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since the company has no license in my state, the loan contract I have with them is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. However, to date, I received several loans through Big Picture Loans that dates back to year 2017 and have had several bi-weekly withdrawal payments from my bank account. I was charged excessive fees that were not legal in the state of California and have made several over payments on each loan acquired.