23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised this isn't a bill or contract with specifics of this visit & treatment. I've advised multiple times I'm 100 % service connected XXXX veteran. All my care is with VA & this inhouse printout doesn't validate this as a debt. It also doesn't give you the right to purchase a debt as a XXXX XXXX collection agency & place it on my credit reports. I will be contacting the Federal Trade Commission & pursuing legal advice against Americollect. You've failed to provide a valid statement detailing these charges. You have failed to also provide any signed documents regarding thismatter. I lost my job of XXXX years prior to this transaction. I've been covered through VA since XXXX & private medical insurance when I was employed up to XX/XX/XXXX. 


Please remove this debt from all my credit reports due to failure providing valid medical records of this visit. If I don't receive verification within the next XXXX hours of either medical records of this XXXX  visit or proof it's removed I will take every steps within my legal rights to seek financial damages for the XXXX XXXX XXXX  this has caused. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a voicemail so I called it back and the lady was rude hung up on me twice, and I called back and the lady was really rude again and espically when I told her what my lawyer said which was to ask for an itemize list, she refused and then said well XXXX XXXX have an officer pick u up and then you can have your lawyer meet you there. And she even knew the county I was in. Funny thing is she brought up the man I divorced in 2007. She got quite when I told her I havent talked to him sense our divorce in 2007, and I remarried after him. I asked to speak to a supervisor but she refused and hung twice on me. The voicemail is automated and is a saint compared to the actually people you talk to on the phone. Even the voicemail said it was a civil suit please explain to me if its a civil suit how can they get me arrested. Just FYI what they are doing is against the law. And if ANY debt collector call just say I need itemize list of this bill and they have 14 days to get it to you. If they dont have a. Itemize then DONT give them a dime. It our right that they have to have a breakdown on all the charges and most of time they dont have an itemize because they buy ur debt almost ever time they dont get an itemize list, but people dont know about our rights. They HAVE to give u itemize list and if they dont have it then u dont have to give them a dime. When I find out who they are Im suing the XXXX out them because threaten saying they were going to arrested me and then called back and called me a liar which is funny because I recorded EVERY conversation. And another female called me a liar saying the lady didnt say she was going to have the cops arrested and when I let her know I have all recordings ( thank you XXXX ) then she hung up and I havent been called sense. Werid thing is she said it was from fifth third bank and I owed {$800.00} and that just for today if I pay {$250.00} they would clear the debt. I was like hold up I never owned an account at fifth third. The closest fifth third bank is OVER XXXX mins away. But make sure u know ur right if they keep calling and or threaten u. All of it the number of calls to them being aggressive or say ur going to jail. If any of that happens to you. U have strong grounds to sue them its the law but theyre hoping u dont know your rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to link my account with XXXX
Product: Credit reporting or other personal consumer reports

The problem is that they are not responding to my inquiries, and every time I request a review for inaccuracies, they incorrectly identify me as someone else, even though I have provided all of my personal documents. Under the XXXX and FCRA, all information must be validated and reported with 100 % accuracy, but this requirement is not being met in this case. 

I have attached a letter requesting them to verify and validate the information to ensure it is being reported correctly and accurately.
Product: Consumer Loan

Nissan Motor Acceptance is trying to charge me for them having to hire a company to repo my vehicle which was n't done due to me paying off the balance that I was instructed to pay. Now a month later I get my bill and it have a miscellaneous charge of XXXX which they 're saying that I am deemed liable for according to my contact which I have read and it does n't state that anywhere on my paperwork. They put my vehicle up for repossession even after I spoke with a supervisor name XXXX and I told him what date I was going to have my full payment that would bring my account up to date. I was told one amount and since I paid the amount I was told that I paid the wrong amount that did n't include my late fees.
Product: Credit card

To the CFPB I'm submitting this complaint against CALVARY SPV, I, LLC, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts.

I was not aware of a legal action against my person back in 2010. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at CALVARY SPV, I, LLC. I need a full investigation on my behalf. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

This account was never validated. Under federal laws, I need all documents when this account was open. I understand that CALVARY SPV, I, LLC closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from CALVARY SPV, I, LLC to __________?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state. 
XXXX ACCOUNT XXXX XXXX
Product: Checking or savings account

Amount in dispute {$4800.00} US Bank allowed XXXX clearly-fraudulent checks to be cashed from our business bank account totaling {$4800.00} on XX/XX/24 and our problem is that their Fraud Department is not returning those funds to us while they investigate AND they are unreachable for status information. We need that money to continue to run our business. 


We called in the fraudulent activity as soon as we discovered it on XX/XX/24, the day after the bank let those fraudulent checks be cashed. We even went down to the local branch in XXXX XXXX that same day XX/XX/24 to fill out their required forms with supporting docs, so the branch could fax the information to the Fraud Department immediately. And no one replied -- and a week had passed. 


On XX/XX/24 ( & every time since ), when we tried to reach the Fraud Department we could only talk to first level associates who merely take the information and pass it on to those who process the claims. Turns out the first associate on XX/XX/24 never even fully filed the claim, which we found out when we called in on XX/XX/24 to check status, so then a different associate put it through at that time and said that the fax we'd sent would now have something to connect it with. 


It is now XX/XX/24 -- we've tried to get the XXXX XXXX branch manager to light a fire under the Fraud Dept., or at least get us an update, but they, too, are now appearing to be unreachable. ( Spoke XX/XX/24 saying they'd get back to us, no follow up response as of XX/XX/24, so we called and left XXXX messages today. Again, so far, no response. ) Other banks don't hold onto their long-standing client 's funds when the client has been a victim of fraudulent activity, so US Bank shouldn't either. ( And as we have been US Bank 's customer for over 40 years with multiple accounts at a time, always in good standing, there is no reason to think that at this time we would have gone rogue and done any of this fraudulent activity ourselves, which was also a part of their " reasoning ''. ) And at the very least, US Bank 's Fraud Department should be in better communication with its clients when they are holding on to {$4800.00} of the client 's own legitimate funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Equifax. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate 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 reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Debt collection

Someone stole my identity and opened XXXX account in my name in XXXX XXXX XXXX I live in XXXX XXXX never in XXXX. XXXX sent this to XXXX XXXX collection agency. I along with my credit protection agency XXXX XXXX XXXX XXXX disputed this to XXXX with their fraud package. Police report and all evidence sent to them and credit agencies. I've also disputed and had the XXXX XXXX address taken off my credit report and have a credit freeze in place for 7 years. 
XXXX has now sent the collection even after being proven it was invalid account to XXXX XXXX XXXX XXXX as if they think i'm just going to pay it this time. 
XXXX is horrible if you try to call them and hold for 25 minutes they hang up on you I am so mad at them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that this information was erroneous. The Equifax credit bureau must validate this unknown item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX updated the payment history on this charged off/PAID account. They updated the payment history to this account that was closed and PAID in XX/XX/XXXX. Also, all of the payment history from XXXX, XXXX, XXXX, and was removed from this account. They reaged the account which dropped my credit score XXXX points on Equifax. This is the SECOND time this has happened with one of their accounts on my report which is ridiculous. This company is not reporting accurate information for this old closed PAID charge off debt that is severely hurting my credit report. According to the FCDPA they are in violation for not properly reporting the correct information nor have they provided documentation of the alleged missed payments on the closed account the information should have not been updated because there was no request to add missed payments or removed positive payment history. 

This account needs to be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on credit report again and see another company I have no clue about and why it's on my report. XX/XX/2017 ADV CREDIT
Product: Mortgage

Request a copy of assignment and release for both loans from Bank of America ( XXXX XXXX ) from XXXX. I Do not agree with loan amounts for both loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : US. Department of EDU Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, Experian, XXXX, and XXXX on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Southern Management Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Checking or savings account

My checking account has a fraud alert for XXXX and BofA has frozen all funds in the account. No funds can exit, but funds can still be deposited. 

There is no fraud as I attempted to deposit in money from a linked account in my name, but BofA claims there is potential fraud. 

BofA has then frozen the account, and I am unable to withdraw cash to pay day-to-day bills. It has been over a week and no response/communication from the bank on what I need to do to lift the freeze and I have been calling them repeatedly to get a response.
Product: Credit card

On XX/XX/XXXX, a hard credit inquiry was made by Citibank. I was alerted by all three credit bureaus that Citibank had accessed a hard pull on my credit. I did not authorize any credit card inquiry and called Citibank. Unfortunately, Citibank claimed to have no record of the hard credit pull and could not find any fraudulent accounts in my name. 

After a few days, I received a communication from XXXX regarding a new XXXX Credit Card. I did not open a XXXX Credit card. Upon calling Citibank, specific to the XXXX Credit card, I learned that on XX/XX/XXXX, an account was opened in my name at XXXX. A fake phone number and e-mail address were provided and this card was linked to my XXXX account. 

I cancelled the cards before they arrived in the mail, but there is still the huge issue of why Citibank did initially have a record of their own unauthorized access to my credit report, how an account was opened in my name to begin with, and what impact this has on my status as a XXXX member.
Product: Credit card or prepaid card

I have a Chase United Airlines Credit Card. My payment due date is the XXXX of each month. I made a payment of {$500.00} prior to XX/XX/2020. On XX/XX/2020 I made another payment of {$500.00}. The XX/XX/XXXX payment, despite being after the XX/XX/XXXX due date was back-posted to my XX/XX/XXXX bill. This payment clearly should have been posted to my XX/XX/2020 bill. On XX/XX/2020, I received a late charge of {$27.00} from Chase who said they did not receive my payment for XXXX. They in fact received my payment for XXXX on XX/XX/XXXX as noted above. This is clearly a scam to cheat consumers out of late fees. I spoke to XXXX, a Chase Supervisor in XXXX XXXX, Texas on XX/XX/2020 and XXXX just provided a completely illogical reason why my XX/XX/XXXX payment was applied to my XX/XX/XXXX bill rather than my XX/XX/XXXX bill. Chase is cheating its customers and I do hope you take action on this.
Product: Mortgage

I 'm writing to get a response from Bank of America regarding my FHA loan. I 've spent allot of time trying to get my situation resolved and to get BOA to close out my FHA loan. The property has since been foreclosed, resold, and currently under contract again to be sold. It is completely out of my name through county records but Bank of America is n't reporting it to FHA and further making it hard for me to move forward. I have been trying for well over a year calling FHA frequently to see if BOA has done their part and it continues to sit without being resolved. I have previously spoke to XXXX, my case manager, and left him a recent message hoping to get a clear answer but I 'm awaiting a response. I would greatly appreciate this to completely be finalized and closed so my family and I can move forward. Thank you.
Product: Debt collection

Subject : Complaint Regarding XXXX 's Sale of Account to RGS - Request for CFPB Intervention Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for selling my account to RGS, a third-party debt collection agency, without proper notification or authorization. Despite my attempts to address this issue directly with XXXX, I have not received a satisfactory resolution. Therefore, I am seeking your intervention and assistance in resolving this matter.

Incident Details : 1. Account Sale to RGS : - XX/XX/2023 - Account Number : XXXX RGS Reference : XXXX The unauthorized sale of my account by XXXX to RGS is a clear violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. This action has caused significant distress and concern, as I did not authorize or consent to the transfer of my account to a third-party debt collection agency. 

I urgently request the following actions from the Consumer Financial Protection Bureau : Conduct an immediate investigation into XXXX 's unauthorized sale of my account to RGS without proper notification or approval. 
Ensure that XXXX provides an immediate and satisfactory resolution to this matter, including reversing the account sale and terminating any collection activities by RGS. 
Require XXXX to provide written confirmation of the unauthorized account sale and any related documentation.

Direct RGS to cease all collection activities related to my account until this matter is fully resolved. 
Take swift and appropriate enforcement action against XXXX for their violation of consumer protection laws. 
Provide me with regular updates on the progress of the investigation and resolution of the complaint. 

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring fair practices in the marketplace. Given the urgency and potential harm caused by this unauthorized account sale, I kindly request your immediate attention to this matter and your swift intervention to rectify the situation. 

Thank you for your prompt consideration of this complaint. I eagerly await a resolution to this distressing issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Vehicle loan or lease

Hi I am having an issue receiving a Lien Release from XXXX XXXX Capitol One Bank on 2 of my vehicles. I have attached the titles to this email. I called a local Capitol One Branch and the woman told me to call an 800 # which I did. I spoke to XXXX. Who was very nice.She transferred me to another lovely lady.. Who then transferred me to a voice message that disconnected my call. Tried again same thing!! Now frustrated. I went down to our local branch. One of the tellers took all my information. And is attempting to help. But no one is responding to he either. I need these lien releases yesterday!!! Please Help! 
Sincerely XXXX XXXX
Product: Student loan

The federal government paused student loan interest in XX/XX/XXXXXXXX  and resumed the interest in XX/XX/XXXX. My interest has gone up and continued to go up. I have asked for itemization and documents for years and they have not provided this. 

I have sent emails asking for them to send me documents of my original owed amount and the interest they have accrued in XXXX XXXX XXXX XXXX, and I have been ignored.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alliged debt, therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX 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 or other personal consumer reports

This account XXXX XXXXXXXX is not showing on my credit report and it should be it was removed made on a erroring on the lender Side.
Product: Debt collection

The place is called SUNEEGETIC COMMMUNICATION INC THE AMOUNT SHOWS {$480.00} date XX/XX/21 placed on credit report its not mine