23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a Checking account with Chase Bank which I opened online. This account was not associated with my payroll payments since I have another bank associated with them. In the month of XXXX the IRS deposited my Tax refund funds to the Chase account, it seemed appropriate to use the account and make transactions. Upon getting the money in this account I proceeded to make quick payments to my husband 's account but still left funds there in that account. When I checked on XX/XX/XXXX, the bank blocked my account, informing me that I had to call the bank to unblock it. I immediately called the bank where they informed me that my account had been blocked due to unusual activity but that it had already been transferred so that the account could be closed. This surprised me and I told them I have proof of my funds, where they come from and where they go, can I go to the nearest office and fix this? They answered no. What would I call next week? This has been going on for almost 4 months and even when I call they transfer the call from one department to another where they do not give me a solution. My money is withheld, I do not have a good income and that money from the IRS helped me a lot to pay my rent and other things. But I've already been waiting for 4 months and it's getting worse. I already want my money back since I did nothing illegal to deserve this. I need to pay some debts that I have been carrying since then.
Product: Money transfers

Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.
Product: Debt collection

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX.PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Bank of today on Wed XX/XX/scrub>XXXX XXXX XXXX I reported on a recorded phone call to a Bank of America employee. Bank of America was involved failed to CHANGE MY ACCOUNT BALANCE when I received 2 XXXX refunds. 

Bank of America employee dismissed me & refused to change my account balance. I took a screenshot of the OF BANK OF AMERICA I want this investigated, I'm attaching screen shots of my account balances. 
I had a 2 separate refunds {$53.00} and {$62.00}, MY ACCOUNT BALANCE STAYED THE SAME {$2000.00} BOA, EMPLOYEE REFUSED TO HELP ME, SHE SPOKE OVER ME, SHE failed to listen to me! The phone calls are recorded
Product: Debt collection

Debt collector called me at work demanding money for a past bill. Two other employees heard what happened. This is an illegal practice in the State of Arkansas and outside of the statue of limitations for the debt as well.
Product: Debt collection

Hello my Name Is XXXX XXXX, I'm being scammed by this company XXXX XXXX XXXX which does not exist. The Green Sky Bank located in XXXX, GA still charges me {$230.00} every month and is telling me that if I do not make this payment, they will file a claim to take my house away from me. I'm elderly person of XXXX old same as my husband XXXX yrs old. Please I need help. The Solar panel was installed without my authorization and is still not working. Therefore, the Solar panel does not qualify for the program of the installation due to being to old. My friend is helping me send this claim. I'm speaking XXXX. Thank you for reading my messages. God bless you all!.
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX This complaint is my follow-up to ensure that the listed accounts are fixed and updated
Product: Debt collection

Resurgent is engaging in harassing and aggressive tactics. Moreover, Resurgent will not provide any validation of the debt. This collection activity is in violation of the FDCPA and they should be fined.
Product: Debt collection

In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.
Product: Vehicle loan or lease

In XXXX of XXXX I leased a vehicle from XXXX XXXX XXXX XXXX on XXXX XXXX, A XXXX XXXX XXXX which they took a down payment from me of {$600.00} that they expressed was going to be apart of my lease/finance charge, that wasnt the case. They also changed paper work information. I applied as principal & they made my co-signer principal. Also in XXXX I traded in the XXXX for an XXXX which they then took another XXXX $ plus & XXXX from the XXXX trade in as down payment not expressing I have 3 days to rescind. They also keep the co-signer on the vehicle before as principal on the XXXX XXXX which I refused. At the time I was unaware of consumer law. Which they have clearly violated on many occasions with me. They made me feel comfortable enough to tell me anything and make me overly stress concerning payments etc. when consumer law express it is illegal for a wholesale or retail to take any money from a consumer. Especially FRNs which according to federal & banking law that form of tender is only to be used by the federal reserve that I am not. 
The XXXX has been paid off due to my social security number. So has the XXXX. They took a cosinger asnd made them principal without knowledge and that cause disruption bet the co-signer and I. They forged signatures as well on sed contacts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX for taking more than XXXX $ monthly in incorrect notes.
Product: Credit reporting or other personal consumer reports

I never heard of this company. Our credit rating are very high on the three normal rating services. 
We tried to apply for a high interest CD and the bank told us our report with " Chexsystems '' is preventing us from getting the CD. 
We have tried by phone and online o open an accunt. To no avail. My wife got a human on the phone once and they had such a heavy foreign accent she couldn't understand them. The online procedure to enroll is impossible to negotiate and they have incorrect phone numbers as to be texted. 
Worst of all, they want me to complain to them which I find ridiculous and insulting. 
How can I get them to provide a credit report to me and can I take legal action against them You have my contact information
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy Chapter XXXX Bankruptcy - XXXX Chapter XXXX Bankruptcy - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions
Product: Debt collection

I received a notice of a debt owed via mail fraud from Jefferson Capital. 

I sent over the attached documents to validate the debt on XX/XX/23, but Jefferson did not respond, in the 10 days given from XX/XX/23. 

It is not XX/XX/23 and still no response. I noted to kindly tender a {$1000.00} dollar payment if no true bill or the validation of the alleged debt was sent to me within those 10 days and no response was sent by Jefferson Capital.
Product: Debt collection

Please refer to the following complaints : XXXX XXXX/XXXX/XXXX XXXXXX/XX/XXXX I have asked this company to validate/verify the said debt and they repeatedly and knowingly report this information without verifying the debt. I have specifically, starting inXX/XX/XXXX asked that the debt be validated as per FCRA. This company ONLY sends a bill and calls it validation. I have yet to receive the following : -Original contract that has my signature as a promise to pay - Contract or assignment documentation that shows they are able to collect and report on my credit. 
-Full accounting of the said debt from account inception ; contract and promise to pay, all payments, offers credits etc. on the account and how they arrived at the full balance. 

Simply providing a bill is not sufficient under the law. They did not provide this information within 30 days of the original XX/XX/XXXXrequest and this company is hereby in violation of the law FCRA as they continue to tell the credit reporting agency that the debt has been validated and it has not. 

I have reported this illegal act to the California Attorney General and this will be the last resort before filing a formal law suit against Diversified Consultants. I am requesting that DCI remove this line item from my credit report as they have not validated the debt. 10 months later they have not validated the debt however they keep breaking the law in telling the credit reporting agency that the debt has been validated. I am seeking resolution at this level or I will sue this company which will result in a fine for each occurrence. Meaning every time this company broke the law and lied and told each of the credit reporting agencies that this was a validated and verified debt as well as sent me a bill and not the validation requested they will be held liable.
Product: Credit reporting or other personal consumer reports

Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX or XXXX, I discovered I could no longer download transactions from my accounts at Citibank or log into the online system. Upon contacting them, they claimed that they had detected malware 3 weeks earlier, and the automatic system had locked me out of online access. I was never contacted ; while they had an old physical mailing address and phone number, they also had a current and active cell phone which was never used ( This is problem 1 ). They said they needed to send a new ATM card, which they overnighted to me. When I received it on XX/XX/XXXX, I activated it online ; that afternoon around XXXX I went to withdraw cash. At that point, I found that access to my main savings account had been locked. I called them, and was told that the department with the power to unlock that ( the malware department ) only was available XXXX M-F and I would need to call back the next morning ( Problem number two ). The next morning, I called and got the account unlocked, and began the process of recreating my online access. I was unable to create an account for online banking ; the customer service rep said that this was " an ongoing issue with creating accounts '' which had been around for over 2 weeks, with no updated information, workaround, or estimated time of recovery ( Problem number 3 ). I ultimately was able to recreate my account access by creating a new account for a credit card I have with Citibank and linking the bank accounts. This resolved access for a short while ; yesterday ( XX/XX/XXXX ) I went to withdraw cache to find that my savings account was AGAIN locked ; the representatives at the branch had no power to correct this, and I again need to contact the malware department ( problem 2 again ), although my online access is still active. As of the current time, I am still locked out of my main savings account.
Product: Checking or savings account

XXXX XXXX XXXX  rep requested a new affidavit regarding intercepted check cashed in my name by third party, the original affidavit was closed out, unable to work off it. I've passed this information along to Capital One rep ( s ), both a XXXX and a XXXX refuse to reissue. A prior statement is cited as reason which was twisted around by XXXX in order to suit his own convenience, XXXX seems to also refer statement as reason for refusal... The statement, I was able to obtain funds from person whom cashed check '' or similar thereof, was made prior to confirmation of verified funds on check issued from person whom cashed check in question.. The amount of which us {$4200.00}. The check issued did not clear, was returned NSF, also verified by XXXX XXXX. This information was provided in prior CFPB complaint, unfortunately, XXXX seems to have ignored it and or simply refuses to move on the matter. It is common sense to provide a check for such a high payment amount, in order to show receipt, not paid in cash... I explained this in prior CFPB complaint.. XXXX as well as XXXX should understand this, simply refuse to move further... Previously, she attempted to refer me back to person whom fraudulently cashed check in which case it is not my responsibility to do so, failed, refuses to reissue affidavit as does XXXX. I request the CFPB investigate Capital One 's handling of this matter as I have prior, they failed to provide affidavit prior when brought to their attention in XXXX. Their rep, XXXX XXXX, tried and failed to assert the person whom intercepted check and cashed it is related, a XXXX account linked.. As stated prior and again here, even if the person is related, which she is not, does not mean the funds weren't stolen as they were.. I've provided proof of whereabouts at time of check interception and cashing along with copies of check ( s ) in question, Capital One refuses to investigate, marked complaints as duplicate to avoid addressing them.. Further, they provide same number to reach out, however, do not accept or return calls as is the case again here with XXXX.. I've left messages and none returned as of recent. Previously, I've left a total of seven messages for XXXX XXXX whom I believe no longer works for Capital One, none returned to date ... In closing, I request CFPB look into Capital One and their reps handling of this matter, dating back to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Bank of America - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have found an account on my credit report that I do not recognize and believe it could be linked to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I enrolled in a contract with XXXX XXXX XXXX which was to include aligner treatment, in-person and tele-health check-ins, and a lifetime smile warranty for future adjustments. XXXX XXXX XXXX XXXX has closed its doors completely they have breached the terms of this contract, and I didn't receive full treatment before they shut down operations. As a result of this, since i was no longer getting my treatment, i stopped paying my monthly dues. it didnt make sense to me to continue to pay for something that was not being provided to me. I want to clarify here, by the time i was close to finishing my treatment, my bite was completely messed up, which is why i reached out to them so i could have this fixed. This is something that would've been provided under their XXXX  warranty, however, by the time i was going to get new scans, they shut down and I could never get my teeth alignment fixed. 
Also, My contract explicitly states in the relationship of the parties that XXXX XXXX XXXX is not a lender, but a payment processor for XXXX XXXX XXXX. This contract is voided by the breach of contract from XXXX XXXX XXXX leaving them with no legal right to continue collecting payment. 
Now, XXXX XXXX XXXX seems to have sold this " debt '' to a collections agency " Tek Collect ''. this company has been calling me and sending me emails almost every day trying to get me to pay for what this think i " owe ''. 
This company first reached out to me on XX/XX/XXXX, however, even after requested, they haven't sent me a letter in the mail with information validation this " debt ''.