23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was contacted by individual claiming that they were going to garnish my wages if I did not pay them {$3000.00}. This for from a supposed debt that I had in 2007. I informed the gentleman that I did not have any debt and it was not on my credit report. This gentleman said he was from Central portfolio and that he won a court case because they sent me a letter that I needed to show up in court. I am informed him that I did not receive any letter and I've never once received a certified letter from them. In 2007 I lived in XXXX  I have now lived in XXXX  for over a decade. He said he won the court case by just proving that he sent a letter by a copy of the letter. Nothing was ever needed or had to be certified as what he told me. I told him to prove that I owed the debt send me something to prove it and I'd be happy to start making payments. Two weeks went by and I did not hear from him then I just received a call from somebody who first said his name was XXXX then when I explained I wanted definite information he said his name was XXXX XXXX from Central portfolio. The number was XXXX XXXX he also informed me he was going to garnish my wages. I explained to him that I looked up the law and the state law in XXXX  says you have four years to collect debt and that if I received a certified letter by mail I would never not go to court. The research I also found that if they did win a lawsuit in XXXX it would have shown up on my credit report which again none of this is on my credit report. I explained to him that on the XXXX I asked for proof of debt and he was supposed to give that to me within 5 days. He said he was going to then send me proof I don't know if this is legal that they can do this obviously do not live in XXXX or do I have the financial means to go to a court date in XXXX. when I said this he said how are we supposed to know of your financial problems when you don't inform us of them. He knew my address because he asked to verify who I was and had my address, I do not realize or did not realize I even noted that so why would I be contacting them. I have not lived in XXXX for a very long time and have not heard from any debt collectors from out of state. I had one credit card company send me a certified letter to go to court about 3 years ago and I have coarse went and have been paying them on monthly fee ever since but should be over soon. 
I don't understand why he would say he want a court case in XXXX  and that they sent me a letter saying I had to appear in XXXX and not send it certified. Debt collectors are all over the country and they have one lawyer in every state it would have not taken them any time to have a certified letter sent to me in XXXX where I could have attended Court in XXXX  to fight this. I don't know if this is a scam. Or what my rights are at this point. But they call from a restricted number so I don't even know if the number he gave me was correct. Help please
Product: Mortgage

New Rez mortgage company purchased Wind & Hail insurance on my behalf for the period of XX/XX/XXXX - XX/XX/XXXX after I had already provided proof of insurance and charged me {$250.00} dollars for this coverage. This was from an insurance company called XXXX XXXX XXXX XXXX XXXX. XXXX that do not cover Wind & Hail for the state of Texas. I understand that Wind & Hail is a requirement for my area, and I delayed in purchasing this insurance because I was waiting on my XXXX Certificate for proof of a new roof I had purchased in XXXX. I looked at all my refinance documents and nothing told me that that I could not have a window to purchase insurance. The documents New Rez mailed to me also did not specifically say this. My refinance documents state that I must cover Home and Fire, which I provided proof of coverage for in XX/XX/XXXX. 
I receive a letter from New Rez on XX/XX/XXXX, which says they plan to buy insurance for my property. My insurance agency provided proof at that time. On XX/XX/XXXX I received a letter from New Rez that says The-lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX. On XX/XX/XXXX they purchased insurance anyways for dates that were no longer relevant. The WRONG type of insurance.
Product: Credit card or prepaid card

chime closed my account with my deposit of {$7600.00} still in it from unemployment XXXX say I can't get a refund never used my card I also have proof.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Cavalry Portfolio Services I am writing to file a formal complaint against Cavalry Portfolio Services, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, with contact number XXXX. The purpose of this complaint is to bring to your attention the alleged unfair and deceptive practices I have experienced during interactions with this company. 



Details of the Complaint : Lack of Validation : Despite my request for debt validation, I have not received adequate documentation or verification of the alleged debt in question. The lack of transparency in providing essential details raises concerns about the validity of the debt. 

Failure to Cease Communication : I have previously requested that Cavalry Portfolio Services cease communication regarding this debt, as permitted by the FDCPA. However, communication attempts persist, causing unwarranted stress and anxiety. 

Failure to Provide Information : Requests for detailed information about the debt, including the origin and substantiating documents, have not been adequately addressed. The lack of transparency impedes my ability to assess the legitimacy of the debt. 

I kindly request the Consumer Financial Protection Bureau to : Investigate the aforementioned complaints against Cavalry Portfolio Services. 
Take appropriate action to ensure compliance with the Fair Debt Collection Practices Act. 
Facilitate communication between me and Cavalry Portfolio Services to resolve these issues amicably. 
Enclosed with this letter, please find copies of relevant correspondence, including communication logs and any documentation related to the debt. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to address the alleged violations. Your assistance in resolving this complaint is crucial in protecting consumer rights and promoting fair debt collection practices. 
accounts Account owner Individual Account Original creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Agency CAVALRY PORTFOLIO SERVICES Creditor Classification Banking Status date XX/XX/XXXX Original amount owed {$2300.00} Balance date XX/XX/XXXX Date of last payment Date of first delinquency Balance owed {$2300.00} Comments Consumer Disputes This Account Information CAVALRY PORTFOLIO SERVICES Account owner Individual Account Original Creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid Thank you for your prompt attention to this complaint.
Product: Checking or savings account

On XX/XX/2018 my account was charge twice for the amount of {$110.00} and {$170.00} from XXXX. The valid amount is {$110.00} and the invalid amount is {$170.00}. I have called both parties XXXX and chase for a refund. XXXX said they wont be able to do anything and I must called chase I then called chase and they had said they will place a temporary credit of {$170.00} which I never received. I called chase again today XX/XX/2018 and I only received attitudes and was told they cant do anything at the moment. All I want is my amount of {$170.00} I dont have anything to feed my kids or myself Now because of this. 
Thank you, If you can please help it will Be very much appreciate
Product: Credit reporting or other personal consumer reports

On XX/XX/25 I sent Equifax, Experian, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit card or prepaid card

I receive a cash back offer from synchrony mastercard In XX/XX/2018. " Get {$100.00} cash back when you activate then spend {$250.00} on your Synchrony Mastercard between XX/XX/XXXX - XX/XX/2018 '' Cash back in the form of a statement credit. I spent well over {$1000.00} using the card during the period noted ( all paid up to date ). I have communicated with a representative on at least 3 occasions XX/XX/XXXX, XX/XX/XXXX and  XX/XX/XXXX. During each of the conversations I was told they had issues on their end and would need two more billing cycles before I would see the {$100.00} reward. Its now XX/XX/2018 and they still have not released the reward credit. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry Date : XX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Debt collection

The company called me the around XXXX threating me and was very rude refuse d to get me an manger stated my credit will be damage. I advice to do verification he refused and cussed me out ND HUNNGUP IN MY FACE THE LANGUAGE HE USED MADE WE FEEL UNEASY SINCE THEY IN FLORIDA TOO name of company is Hunter Warfield
Product: Debt collection

National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19 at XXXX XXXX  C.T., I contacted a seller on XXXX  about hockey tickets. After the scammer texted me photos of their " proof of purchase '' they wanted to use Zelle to get money for tickets and they would send tickets via XXXX. The scammer provided a name, XXXX XXXX, email address of XXXX and number : XXXX. I have a XXXX XXXX account and the scammer noted that they use XXXX  XXXX XXXX. I read through the Zelle 's fraud description, and to Zelle it is only your ( consumer ) fault for sending money, but they do not actively work on preventing scammers from using their service. I have contacted Zelle regarding issue, including the above details so that they can close the scammer 's account and prevent another person being defrauded, but they need to actually help to protect consumers from the many scammers that love Zelle 's service.
Product: Checking or savings account

I am writing to file a complaint against NAvy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Someone stole XXXX dollars from my account, after filling a claim the bank froze my account which for some reason closed the claim I filed with them. After trying to unfreeze my account in order to have my claim reopened so the investigation can begin, I was told that bank of America could not unfreeze my account i needed to call edd in order to do so. I was not able to speak to anyone at edd and received no other information on how to get my money back, 2 months pass when I received a letter from Bank of America saying if I wanted to unfreeze my account to call the number listed. So I did and for the second time my claim was reopened, I continued to call everyday to ask for the status of my claim and was told daily that it was still pending. On the 3rd week of calling a representative told me that the claim had been closed and that there investigation lead them to belive I was not eligible to receive a reimbursement for the money that was stolen from me. I do not belive they had any intention on paying me and belive there investigation was done poorly, on one of the transaction of XXXX dollars from an atm of bank of America which clearly was not me could have easily proven that someone had access and was stealing from my account. I hope there's something you can do to help im in a tough position with no one here to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through this portal ( XXXX ) in regards to XXXX  XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
Product: Debt collection

RevSolve Inc keeps calling me at work, after being repeatedly told not to call during those hours. They have been extremely aggressive and disruptive in their tactics, even suggesting that upcoming XXXX is a ploy to avoid paying. I REALLY need them to quit disrupting me at work. 

I can provide call recordings if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number- XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy. 

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX XXXX  XXXX transFer mortgage to Gregory funding to serving. snd. also. sold my mortgage. ownership and. 
new owner. # acc. is. the. same. as the new servicing. 
company. I need to request letter of mortgage truth lending disclosure statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 credit report is inaccurate I have an updated list of missing items on my credit report. 
I need all my my credit reports to reflect the same info I need all inquiries removed.
Product: Debt collection

I have been sending Regional Acceptance Corp my findings for my disputes of an incorrect credit report since XXXX XXXX XXXX. I sent RAC certified mail of my rights through FCRA. Along with copies of letters from the XXXX XXXX XXXX  writing how stupid I was to send FCRA laws that was being reported on my credit report. Although I sent into the XXXX bureaus only to find that RAC was sent them by XXXX of the XXXX bureaus that was only meant for bureaus. Instead of reaching out to me to understand what I had sent RAC thought it would be better to send rude letters. Not only has RAC ruined my report but name as well. The documents Im sending will show just how RAC deals with consumers. These tactics have not only been reported incorrectly but now has reset the clock. This is obviously done maliciously and insulting.
Product: Checking or savings account

On XXXX/XXXX/2017 my chase account was overdrawn because the funds for a purchase were not withdrawn in a time effective manner and I incurred massive overdraft fees without being contacted about the overdraft as the interests racked up on my checking account
Product: Mortgage

I sold my home and closed on XX/XX/2020 and was told I should receive my escrow fund refund within 30 days. It has now been 39 days and when I spoke to one of the customer service reps at Statebridge XXXX  I was told that It could take up to 6 months which I believe is against regulations.
Product: Debt collection

I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
Product: Credit card or prepaid card

XX/XX/2023 : GM credit card account ( Goldman Sachs ) was opened by someone using my ID information. 
{$7800.00}. was charged to the card. 
The issuing bank ( Goldman Sachs ) fraud detection algorithm recognized this account ( and others ) as fraud and immediately closed the account ( without contacting me ). 
Account was closed by issuer ( Goldman Sachs ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My former apartment ( XXXX ) management falsely claims I owe rent from XX/XX/2021 ; however my lease ended XX/XX/2021. I have provided proof of my signed lease and email exchanges of the lease end date with XXXX. Furthermore, XXXX claims they sent notices to me about this, but I did not receive anything from them. Procollect, the debt collection agency, will not resolve this issue and they have been rude, uncommunicative and when they first contacted me, did not make clear what this matter was about simply saying it was an urgent business matter. Folks I have spoken with there have been unprofessional and taken a tone with me. No one will actually review my case in a serious way, and if they would, they would drop this false debt claim immediately. I have been trying to resolve this issue over the past 2 months to no avail. This is a grave miscarriage of justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Product: Debt collection

I received what I thought was a legitimate letter that included a lot of detailed information about myself. I paid the full amount online, and then came into work this morning and showed the letter to my boss and he investigated it online. I called my credit card company this morning to dispute the payment I made the night before.
Product: Vehicle loan or lease

Pentagon Federal responded saying that they received notice of bankruptcy filing for my Auto loan on XX/XX/2021. That account was not included and I have attached the discharge documentation. While PenFed was paid off prior the bankruptcy was filed XX/XX/2021. PenFed was not included. The vehicle was sold on XX/XX/2021. Again before the bankruptcy and the check was mailed. They are reporting the vehicle loan as included in bankruptcy and their system flagged my membership to not let me open accounts even though none of the PenFed accounts were included. Therefore they need to update their system to stop inaccurately flagging my accounts when PenFed wasnt even included.
Product: Mortgage

I worked with a representative at Freedom Mortgage on XX/XX/21 to refinance my existing mortgage through XXXX XXXX, a subsidiary of Freedom Mortgage. I was offered favorable terms and advised I would not have any closing costs so I took the deal. 

I submitted proof of income documents for both of my current employers at the time and communicated with the loan originator on 5 different occasions between XX/XX/21 and XX/XX/21. 

The processing department made contact with my employers to confirm income and apparently the information they received was unsatisfactory for their purposes, so they closed my file and stopped my application. 

I did not receive any written, or verbal notification of this. I emailed the loan originator multiple times asking for an update over the last two months and even called the processing department and was told they would get back to me. I just learned that the file was closed today. 

Apart from being a waste of time, I feel that the credit inquiry should be removed due to lack of due diligence and good faith on the part of the lender.
Product: Money transfer, virtual currency, or money service

I was using paypal with an account with the email XXXX. Few days ago paypal limited my account and i am not able to withdraw any money to my verified bank account. Paypal sent me an email explaining to lift the limitations on my account and able to withdrawn money to my bank account i had to send in my photo id, social security number card and proof of address. I sent in my driver license as proof of photo id, my social security number card which is the same social security number listed on the account as well as my credit card statement for proof of address which is the same address listed under the account. All 3 documents was rejected. i called and was told my account is permanently limited and not able to withdraw any money from account and that i  need to wait 180 days. The account has money in it. The money from the account all came from my XXXX sales which has already all shipped.