23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this formal complaint under the XXXX XXXX XXXX XXXX to dispute and request relief from financial obligations incurred as a result of XXXX XXXX  and financial coercion. My experience has been officially reported to the XXXX XXXX  XXXX  under Tracking Number XXXX on XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I was subjected to forced commercial XXXX XXXX  and financial manipulation in various locations, including XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. My XXXX  controlled my finances, dictated my movements, and exploited my identity for financial gain. 

I was coerced into financial obligations that I did not voluntarily agree to. These include banking accounts, credit cards, and financial records that do not belong to me but were used by my XXXX. The accounts and addresses listed below should not be associated with me and must be removed from my records. 



XXXX XXXX & XXXX XXXX The following actions were taken against my will as a result of coercion, manipulation, and financial abuse by XXXX  : I was forced into economic dependence, where XXXX  managed my money and dictated financial transactions. 
I was prevented from having control over financial accounts, making independent financial decisions, or escaping from economic bondage. 
My name and personal information were used to open financial accounts that I did not authorize. 
These debts and obligations were imposed on me through threats, manipulation, and intimidation, violating my rights under the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was billed by both parties. Ally bank sent bill {$1500.00} deductible of totaled car from riots in XXXX XXXX. XXXX XXXX  already charged me the {$1500.00} and Then XXXX paid Alley more money which made the {$1500.00} to {$1000.00} .and then another {$230.00}. I have documents to back it up as well as letters from the Department of Insurance of seeing XXXX wrong doing. But I continued to pay for car even when is was totaled XX/XX/XXXX. XXXX sent Ally a check for car that was wrong amount because XXXX didnt compare like cars during assessment. I have proof. Then ally reported me to collections immediately for no reason. I dont owe Ally for my deductible since it was paid to XXXX. The car was vandalized. And took XXXX 4 months to take care of. Not my fault XXXX and Ally have horrible communication skills and Ally didnt investigate the {$6000.00} difference in. Comparing the same cars. ( how XXXX estimates the value of totaled vehicle ). And Ally has no right to report me without sending proper bill within 30 days.
Product: Debt collection

A request has been made to a collection agency National Credit Systems to validate a item listed on my personal credit file. Nothing has been received to validate this. Request help from your agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Collection Account Belongs to someone else and is being reported on my credit XXXX has confirmed
Product: Mortgage

I secured an assumable mortgage in XXXX. Wells Fargo was selected by the mortgagor to service that mortgage. In XXXX, I endeavored to assume that mortgage as an individual, rather than as a married couple, as part of a divorce agreement. Wells Fargo required that I have a Debt to Income Ratio DTI ) of no less than 43 %, As I didn't have sufficient income, I secured two separate non-occupying co-borrower to submit the assumption application along with me. Both times, the co-borrowers were rejected -- once in writing and once verbally, because no matter their income ( both had annual incomes in excess of {$250000.00} per year ), I still had to satisfy the DTI of 43 %. The income of the co-borrowers was not considered in either of the two applications I filed. As a result, I was left with no choice but to terminate the mortgage. 

I believe the CFPB should investigate the DTIs required by mortgage servicers, as they effectively make any older or retired worker incapable of taking advantage of an assumable loan that they'd secured at a previous time. As a result of the unreasonably high DTI and the servicers ' refusal to consider the income of a non-occupying co-borrower, the loans are no longer truly assumable. 

Under XXXX XXXX rules, had I sought to secure a refinanced mortgage, the non-occupying co-borrowers ' income would have been sufficient for me to meet the DTI requirement. However, as a loan assumption, apparently the mortgage servicer was not required to incorporate the non-occupying co-borrowers ' income, thus effectively negating the assumability of that mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only 45 % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX XXXX paralegals informed me that XXXX, Equifax, and XXXX  ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX Equifax, and XXXX, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. XXXX refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been trying to resolve fraudulent entries on my Equifax credit report. After sending my original police report of identity theft , several supplemental reports, and my FTC identity theft report with formal request to block those items Equifax continue to violate my rights as an identity theft victim. XXXX   and XXXX conducted the same investigation with the same information and the items were deleted promptly. I'm filing this complaint against Equifax because I'm suffering damages because of these fraudulent accounts and after numerous attempts they report the fraud anyway. I have attached documentation of the dispute and report of fraud. This is hurtful and unacceptable and this behavior is nothing short of willful non-compliance.
Product: Credit card or prepaid card

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Product: Credit card

Urgent : Continued Restrictions on Capital One Cards Ending in XXXX and XXXX Dear Staff, I trust this message finds you well. I am writing to express my concern regarding the ongoing restriction on my Capital One credit cards ending in XXXX and XXXX. 

On XX/XX/XXXX, I made a payment of {$9600.00} from my university credit union checking account ending in XXXX. Following this payment, both cards were immediately restricted, and I was informed that I needed to provide a statement for my checking account. 

In response, I patiently waited until my XXXX checking account statement was closed. I then diligently submitted the necessary documents, including a copy of the statement, screenshots displaying the precise ACH payment transaction deduction from my checking account, and details of the routing and account number. 

Despite these efforts, I have not received any updates from Capital One, and my cards remain restricted. This situation is concerning and does not align with the expected customer service standards. 

I kindly request your prompt assistance in resolving this matter and appreciate your attention to the urgency of the situation. 

Thank you for your help. 

Best regards, XXXX
Product: Debt collection

Account XXXX XXXXXXXX XXXX XXXX  XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail " with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.
Product: Debt collection

Last year, I was contacted by Klima Peters and Daley, which is a debt collector based in XXXX, MD, about an outstanding credit card bill. Eventually, the debt collector sued me and won a garnishment. When I discovered the garnishment, I called the company and requested a payment plan. The company dismissed the garnishment, agreed to a payment plan, and I paid the entire debt in full. 

I obtained a court order in stating that the debt was satisfied AND a payoff letter from the bill collector. This all happened from XXXX to XX/XX/XXXX. I thought that was the end of it. Debt paid, end of story. 

However, just today ( XX/XX/XXXX ), I discovered that this company issued another garnishment, completely out of the blue, freezing my checking account and making it impossible for me to use the money in my account. 

I called Klima Peters right away. They affirmed that yes, I paid the debt in full and did not owe anything. I asked why they issued garnishment and demanded an immediate dismissal of the garnishment. They first denied all knowledge of it and then claimed it must have been " the court '' that made a mistake. I told them it could only have come from them, from their office, and that they must issue an immediate dismissal. Their response was to become abusive, deny all responsibility and finally say, " We will mail it tomorrow. '' That leaves me waiting for a dismissal that may take days to reach my bank, and in the meantime, I can not use this account, pay my bills, or have access to my money.

This is clearly illegal and fraudulent. I demand an immediate dismissal of this illegal, fraudulent garnishment and a refund of all money taken from my account. I also demand that my bank refuse all garnishments or payment demands originating from this debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Bank account or service

PNC Bank has been charging overdraft fees illegally without any trigger from any transaction, causing my account to get overdrawn. Per the attachment, you will see in yellow the overdraft fees that have been charged which causes my account to be overdrawn but there are no transactions preceding the fees showing that such transactions should trigger overdraft fees. The ones circled in red are the transactions prior to the issuance of the overdraft fees and show positive balances on the account prior to issuing overdraft fees.
Product: Mortgage

To start in XX/XX/XXXX I originally sign with another company in XXXX Wells Fargo purchased my loan.Originally my loan included a payoff if I was XXXX.Wells Fargo told me they dont buy that portion of a loan. I was unaware of their purchase or not purchasing the payoff portion if I was XXXX. I became XXXX in XXXX. I continued paying my loan.Then in approximately XXXX XXXX apparently changed my area to aa flood zone, unaware Wells Fargo charged me for flood insurance totalling thousands of dollars due at once.I had to refinance to become solvent with them. Every year my payment has changed and I have a fixed rate.It has always been something with them from the start.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Money transfer, virtual currency, or money service

I held a CashApp account ( digital application ) on my mobile phone ( XXXX ) for more than 2 years. I use the account, primarily, to send money in the form of cash to relatives located within the United States, as well as pay for service such as lawncare or other personal purposes. On Friday, XX/XX/XXXX I received an alert on my phone via CashApp that I need to verify my account. I entered the relevant information and my account was immediately closed for " violation of terms of use. '' I attempted to contact someone by the " contact us '' and chat features of the app and chatted with a bot, which took information and details regarding my inquiry. It restated the reason for the closure of my account, which I requested an investigation because I am not aware of how I've violated the terms of use. I informed them that I was hacked, because other similar services have been experiencing hacks during that same week, some of which I received emails warning me of potential hackings. I was advised that the request was submitted and I will receive the results of the investigation within 30 days. 

On XX/XX/XXXX, I received an email from XXXX, CashApp Support, stating the following : ________________________________________________________ Hi XXX, Thank you for your patience during our delay in getting back to you. This is XXXX With Cash App support. Thanks for taking the time to reach out. I'd be glad to look into this for you. 

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.app/legal/us/en-us/tos ), including payment activity related to gambling ( XXXXXXXX XXXX XXXX XXXX betting of any kind, among others ) along with other potential violations. 

As a result, your Cash App account has been deactivated and you will no longer be able to use your account or its features. 

For more help, visit our Cash App Help Center at https : //cash.app/help ( https : //cash.app/help ) or contact Support directly through your app. 

If there's anything else you need today, feel free to reach back out anytime ; we're here to help and just one email away. 

Best regards, XXXX Cash App Support ___________________________________________ In the email, it stated potential reasons for deactivating the account, including gambling, casinos, etc., but I have not engaged in any of these activities and CashApp support will not provide details or information showing examples of transactions I have made that violated the policies.
Product: Credit card or prepaid card

I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX.

Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, Thank you for your response dated XX/XX/year>, regarding my previous dispute. While I acknowledge that you are currently investigating this matter, your response fails to address the specific legal violations and documentation requests I outlined in my original correspondence. This lack of transparency and failure to provide relevant details raises significant concerns about the accuracy of your verification process. 

To reiterate : Documentation Request Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have formally requested documentation to verify the disputed account, including : The original signed agreement.

Payment history and balance calculations. 
Documentation from XXXX XXXX XXXX confirming the accuracy of the account. 
To date, I have not received these documents, which are critical to substantiate your claim that this account has been verified and accurate. Your failure to provide this information within the mandated timeline violates my rights under the Fair Credit Reporting Act. 

Failure to Conduct a Reasonable Reinvestigation Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed information. Sole reliance on automated systems such as e-Oscar, without reviewing the necessary documentation, does not meet this standard.

Accuracy of Reporting The account continues to reflect a charge-off with a balance owed. If this account was charged off and written off as a tax loss, the balance should be updated to {$0.00}, as required by federal tax law ( 26 U.S.C. 6050P ).

My Demands I am requesting the following actions be completed immediately : Provide Verification Documents : Submit all documentation used to verify this account, including those provided by XXXX XXXX XXXX. 
Remove the Account If Unverified : If you can not verify this account with proper documentation, it must be removed from my credit file in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ).

Provide a Detailed Explanation of the Verification Process : Clearly explain how this account was verified and the steps taken during your reinvestigation.

Failure to comply with these demands will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.