23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was purchased by collection agency from XXXX. This loan was in a Chapter XXXX payment plan effective XX/XX/XXXX through a dismissal XX/XX/XXXX and ultimate close date on bankruptcy XX/XX/XXXX, AO through Trustee to roll in past due amount in bankruptcy plan in mid XXXX, repo in XX/XX/XXXX and then sold at auction. The balance is not correct, the dates being reported to CRA are also inaccurate. I have never been in contact or received communication from DeVille Asset Management prior to this being on my credit reports. This collection company, DeVille Asset Management has been in trouble with the SEC and was shut down thus they have a federal case pending. They are in a great deal of trouble that invoIlves fraud.
Product: Credit reporting or other personal consumer reports

Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with XXXX, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with Capital One Bank . 

Despite multiple disputes and Capital One 's confirmation that the account is not currently reporting, it persists on my credit reports. Capital One 's response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the XXXX representative 's statement on XX/XX/XXXX, asserting that Capital One needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided XXXX with my dispute letter to Capital One and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among XXXX, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If Capital One asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The Capital One charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under Capital One 's name.
Product: Checking or savings account

I opened a savings account on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX illegally froze both of my accounts without valid legal reason. On XX/XX/XXXX XXXX XXXX of XXXX XXXX sent an email stating the following " your funds will be returned to you via cashier 's check in approximately XXXX business days ''. In a letter dated XX/XX/XXXX XXXX XXXX engaged in defaming me with scurrilous accusations by stating the following " a recent review of your account activity reveals unsatisfactory banking practices '' which is not only blatantly false and unfounded it is also baseless given the only activity I performed with the accounts was to make the mistake in trusting XXXX XXXX with my funds. No other activity occurred in my accounts. In the same letter dated XX/XX/XXXX XXXX XXXX also wrote " any remaining funds in the account will be forwarded to you ''. 

On XX/XX/XXXX I filed a complaint with the XXXX since I had not received my funds from First Horizon. On or about XX/XX/XXXX XXXX XXXX illegally placed XXXX false complaints on my XXXX XXXX credit report in retaliation for my filing a XXXX complaint. I notified XXXX who contacted the bank. After repeatedly rechecking my XXXX XXXX credit report XXXX XXXX finally removed the XXXX false statements they illegally placed on my credit report. But XXXX XXXX did not return my funds to me. USPS mishandled delivery of a letter from XXXX XXXX which XXXX XXXX used as a nonsense excuse to not return my funds to me. 

During the XXXX process I furnished my savings account information to XXXX XXXX so that they XXXX quickly and securely ACH my funds back to me but they refused to return my funds. 

Did XXXX XXXX break multiple laws when they froze my accounts without just legal cause, illegally placed XXXX false statements on my XXXX XXXX credit report in retaliation for my filing a XXXX  complaint against them, and never returning my funds to me essentially committing an act of theft? 

It is now over XXXX months later and XXXX XXXX has yet to return my funds. How is a bank like this allowed to continue doing business when this is how they treat consumers? I have been banking with multiple financial institutions for over XXXX years without any serious issues until encountering XXXX XXXX.
Product: Mortgage

I contacted a XXXX XXXX " The Mortgage Expert ' through his website https : //www.mortgageexpert.com/rates and tried to set up a call It took him 2 days to respond and when he finally did he just called me NUTS and swore at me and refused to listen or process my application even though I would be a non traditional applicant with XXXX and american income.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 and purpose
Product: Debt collection

Subject : Complaint Regarding Security Fraud and Privacy Act Violations I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Securities Fraud and Privacy Act of 1974, as well as FCRA violations and non-public personal information violation under 15 USC 6802. These violations have been committed by ESUSUXXXX XXXX XXXX  without my written or verbal consent, resulting in the unauthorized reporting of my personal information on a consumer report. This report has caused serious Damage to my Consumer Credit with no prior written contracts agreement.

To provide some background, ESUSU/XXXX XXXX XXXX is a company that I have had no prior dealings with, nor have I given them any authorization to access or share my personal information. However, to my dismay, I recently discovered that they have obtained and reported my personal information on a consumer report without my consent.

This unauthorized access to my personal information is a clear violation of my privacy rights, as outlined in the Security Fraud and Privacy Act of 1974. Additionally, the FCRA violations and non-public personal information violation under 15 USC 6802 further compound the severity of this issue. These regulations exist to protect consumers like myself from unauthorized access and dissemination of personal information. violation fees are {$1000.00} per violation per day of continuous reporting as well as emotional damages for findings the cause in the dropping my consumer credit across all the major reporting agencies.violation last report date indicates XXXX XXXX at a non mailable address where as my current address has been updated for the past 2years after last reported date of completed payment I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against ESUSU/XXXX XXXX XXXX for their blatant violation of these laws. I also request that you ensure the immediate removal of my personal information from any consumer reports and databases that ESUSU/XXXX XXXX XXXX may have shared it with.

Please find attached any relevant documents or evidence that may assist you in your investigation. I am also willing to provide any further information or assistance that may be required to resolve this matter.

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this violation and ensure the protection of consumer rights.

I look forward to receiving your response and resolution to this issue.
Product: Mortgage

I have contacted Specialized Loan Servicing Mortgage Company since early XXXX 2019 and I have told them that I want to pay down my existing mortgage to 80 % of the purchase price so that I may be able to get rid of the Private Mortgage Insurance ( PMI ). I have been told each time I called that I would receive a letter within a week with details about the process and/or the balance reduction amount in order to qualify for the reduction of the PMI. 

It is obvious to me that the SLS mortgage company has no intention of cooperating and giving me the required information. i am therefore seeking assistance and intervention.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX 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 card or prepaid card

I initiated a balance transfer from my wife 's Discover card to a new XXXX card. On XX/XX/XXXX XXXX posted the balance on my new card and discover posted the balance transfer fee on the my wife 's old discover account. 

The balance of my wife 's Discover card was not transferred to the new XXXX card, effectively doubling the amount of debt. We called Discover to sort out the issue and they insisted they had no record of the balance transfer between cards and there was nothing they could do to help us. This is galling given that there is a balance transfer fee line item on my Discover card statement, effectively showing me that XXXX billed Discover for the balance transfer fee of 3 %, but the representative could not read that item to understand the context of the issue. 

In both cases the service representative was unable to comprehend the issue and had no ideas related to solutions or even next steps to find a solution. 

The lack of real customer support systems and proper technology infrastructure to ensure compliance with federal consumer financial regulations seems to be a systemic problem for Discover.
Product: Debt collection

I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, the bank would then close the credit cards and afford a reduced interest, in order to pay off the balance. Three weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two XXXX XXXX cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help. Since that phone call, and to no avail, I have attempted to contact the bank or someone that could assist in reducing the interest, as stated by your agents, in order to pay off of the two credit cards, to no avail. 
The bank has committed unfair deceptive acts and practices and failed to respond in good faith and promptness to a XXXX XXXX letter sent previously " See Attachment ''
Product: Credit card

Dear Sir/Mdm, I am writing regarding the BBVA recent XXXX points promotion. According to BBVA offer, " The promotion will end at XXXX XXXX on XXXX XXXX, 2016. '' I made XXXX transactions - all are around two weeks of the XXXX finals. I was supposed to get XXXX points for these purchase. However, I was told by BBVA customer service that " Even though you purchased the items on the evening of XXXX XXXX, the purchases did not got thru the system until after XXXX XXXX. '' XXXX * XXXX {$4.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$6.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX {$970.00} XXXX/XXXX/2016 Posting an offer, promoting the company, and then rejecting to honor the offer, BBVA is misleading customers into doing business with them. I hope your agency can help correct such fraudulent practices. 

Thank you very much for your help. 

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

These accounts below are reporting to my credit report and they do not belong to me.

XXXX # XXXX   AMOUNT {$2000.00} XXXX XXXX # XXXX AMOUNT {$460.00} XXXX XXXX # XXXX amount b {$430.00} XXXX  # XXXX AMOUNT {$350.00} XXXX XXXX XXXX # XXXX  amount {$76.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer. 

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. One was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Debt collection

On XX/XX/XXXX I send a letter Certified mail to Department of Education/Nelnet and received mail on XX/XX/XXXX. Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. Department of Education/Nelnet have not accept my request. I asking does Department of Education/Nelnet have the original copy of the promise note that claim I sign?
Product: Debt collection

Between XXXX XXXX and XXXX a collection account was reported to all three credit bureau s in the amount of XXXX by advanced bureau of collections who stated that the debt orginated from XXXX XXXX XXXX the amount listed is false and has been paid i never received any notices of the debt so that i had a chance to exercise my rights granted under fcra i asked the company over the phone to provide orginal documents from the company of which i never received because the debt does not exist nor do i have any signed contract with this company so they have no rights fcra to collect on this alleged debt another debt for the amount of XXXX dollars is also being listed by this company ADvanced bureau of collections i am not under contract with this company listing any debt is a violation of my FCRA rights
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit card or prepaid card

Hello I am reaching out to you in hopes of assistance or be directed to the proper person at Bank Of America to handle this extremely urgent issue. One in which we have been very patient about. However, that is no longer the case. We are at 7 months since the incident occurred and absolutely no refund from Bank of America regarding my funds that were paid to XXXX for a trip that was canceled due to the Airport being on strike in XXXX. So, we could not fly there with no airport being open on those days. XXXX and its hotel, XXXX XXXX XXXX at XXXX XXXX. There was a strike at the airport in XXXX. This prevented travel to the island and stay at XXXX 's hotel, XXXX XXXX XXXX at XXXX XXXX. 

Clearly this was no fault of ours as consumers and guest. Yet, we are being held at fault and have not been refunded our funds for our scheduled stay. To penalize us the consumer for something out of our control and not responsible for and being prohibited from reaching the location is completely unfair and unsatisfactory. An organization such as Bank of America should understand the situation and circumstances. 

We paid {$2900.00} for our trip. Bank of America paid XXXX. As a Bank of America customer, I did not get the service I was charged for and requested my funds returned back as this would be fraudulent. XXXX agrees as they advised that my Bank should refund my funds.. Yet we received no service or resort stay. 

We expect our funds to be returned. 

Thank You, XXXX and XXXX XXXX XXXX
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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3800.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX  abused length of account on my credit report.