23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter and I co-own a single family house. She lives in it with her husband and children. My daughter 's family is struggling financially with reduced hours and the results of Covid-19. They haven't been able to pay their HOA dues because of the financial difficulties they are experiencing. The debt for those fees were first passed to a collection agency XX/XX/XXXX and a couple of days ago we received mail from a lawyer representing the HOA that we are going to be sued and they are issuing a lien on the property. The original HOA fees were about {$790.00}. The lawyer is asking for {$1500.00} which includes {$350.00} for attorney 's fees and a lien fee of {$75.00}. This is the second time this law firm has done this. This happened before in 2016 and we paid them {$1600.00}. With everything that's going on with the virus and people out of work, I don't believe people should be subjected to this kind of action. We are not disputing that the HOA dues are legitimate. The last time I looked, I saw multiple complaints about this law firm. Their name is Lazega & Johanson, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EXETER FINANCE LLC Account Number : XXXX This is not mine. 

2. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

3. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I deposited a cashiers check of XXXX in to Capital One savings account I had. The deposited check was held til XX/XX/2024 and wheni tried to withdraw funds was told my funds were fraudulent and my account would be closed. I contacted bank mobile feature and funds were verified and released. I returned to bank and withdrew XXXX all on XX/XX/2024. XX/XX/2024 I returned to get a cashiers check for XXXX and was denied and funds were frozen due to fraud and put back under investigation. I received an email stating after 7 to 10 business days upon closing of account my funds would be refunded via check. I contacted bank on XXXX business day and was informed it would be another 90 days. Without any formal email to this new information. I am a small business owner and a XXXXXXXX XXXX who is trying to start a construction company. Theses funds are from my investors and it appears to be sabotage of my current plan to operate my newly formed business. They sender of the check contacted Capital Oneand was informed that due to my banking history and credit scores Capital One will try and seize my funds.
Product: Checking or savings account

I began calling Global Holdings LLC on XX/XX/2024 after I received a letter on the previous Saturday, XX/XX/2024, from my debt settling agency XXXX XXXX XXXX. XXXX had written that they would no longer be able to represent me due to a lawsuit that was initiated in XXXX of 2024. It specifies in the letter to call Global Holdings LLC to discuss my options moving forward and that any remaining balance being held in the account run by Global Holdings LLC was mine to withdraw if I so chose to. 

As I begun to do research on the lawsuit and the involved companies, I was disheartened to find that many people have been scammed by Global Holdings LLC involving holding monies hostage by refusing to call customers back, email back, or otherwise reach out, etc. I have called and remained on hold until the phones call self terminates at 11 minutes and have video recordings to prove that its is a dead end to do so. Regardless, I've repeated this call cycles 12 times with no luck. I have emailed Global Holdings LLC with my concerns for a representative to reach out to me regarding my account within a 48 hour response window. The response window has now ended getting me no closer to a solution. 

I currently have {$2100.00} sitting in an account, that I would like to withdrawn from Global Holdings LLC and would ultimately like close my account and cut ties with this company. However, I have no other solutions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

My information was shared illegally ( third party ) without my informed consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

opened high yield savings account XX/XX/XXXX received XXXX for XX/XX/XXXX and XX/XX/XXXX nothing received since account was not kept up with until recently discovered upon discovering account we tried to find where it was and found that Metlife Bank had been acquired by GE Capitol Retail Bank and after that Synchrony Bank After contacting GE Capitol we understood that they received account number and name but no funds We contacted FDIC and was told that they do n't keep up with individual accounts only the institutions
Product: Checking or savings account

My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no XXXX party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This first investors account on my credit they sold my legal information to auto vest. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid
Product: Student loan

My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).
Product: Prepaid card

I tried 3 times with a lot of time to let them know I was disputing a groupon charge for XXXX I told them i only had my receipt showing it was paid they closed it 3 times saying i did not send information when just a few days ago they said they got it. They can not understand language barrier. I should be treated like a customer and groupon has no way to get a hold of ceo and write which i did no response
Product: Credit reporting or other personal consumer reports

I have about 50 emails regarding an investigation about addresses that were mistakenly deleted from my credit profile. I have reached out to Experian, which is extremely hard to do, which I believe they make it that way on purpose to discourage consumers. I've uploaded all information necessary to prove that the 2 addresses I need added back are mine. I've called them just about every day starting from maybe the 2nd week of XX/XX/ until XXXX XXXX I'm on the phone with them now, yet again, requesting to speak with a supervisor. They always say that one will call back and they've never called back. I have so many case numbers it's too much to type. Should they need to be provided I do have them in my email. They tell me to wait 24-72 hours. Waiting weeks and nothing is being done about the information on my credit report. It's keeping me from obtaining much needed credit/employment. No one there in a supervisory role seems to care of make even the slightest of efforts to rectify the situation. XXXX was supposed to call back, never did. This has been an ongoing issue and I need the CFPB to do something about it. If it's happening to me, that must mean it's happening to many other unfortunate people. At this point, we are relying on you all as the CFPB to do something about this because CLEARLY Experian does not have the capacity to do so.
Product: Debt collection

Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

n 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

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 card or prepaid card

I received a bill on XXXX XXXX from Destiny bank for a card I never applied for. It carried a balance which included a {$170.00} service fee and {$5.00}. When I called to request the account be closed because I never requested a card from this company that constantly send me pre-approved notices, they refused until I sent a picture of my Drivers license or State ID. I refused because they could not provide me with any relevant information other than my address to verify. The agent claimed they must have received a picture of some type of ID from me or they would not have opened the account, yet refused to close it when I requested it be closed... Since I never requested it be opened.
Product: Mortgage

My mortgage was transferred to a new servicing company, PNC. I had been paying an additional principle payment each month in addition to my mortgage. I called PNC as soon as the mortgage was transferred and requested that no additional principle payment be debited from my account. I was asked to complete forms to indicate the change and I did. I called back and confirmed that only the mortgage payment would be debited from my account but the bank withdrew additional funds. I called again and requested that the bank cease withdrawing additional funds from my account, only my monthly mortgage payment ( the amount due, nothing else ). The bank told me to complete more forms. I have done that. I was told that there would be no additional withdrawal amount and yet the amount schedule is larger than my mortgage payment. I have contacted PNC multiple times to remedy the situation and they have not made any changes to the automatic withdrawal. Again, I have completed multiple forms and made multiple requests but there has been no progress.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter stating that I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX XXXX bankruptcy as accurate. Transunion replied stating that the information was no accurate and verified by the US bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. 

I responded to this on XX/XX/year>. Stating again I found inaccurate and incorrect on my file held by Transunion. Also, that I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie. 

This assistance with breaking the laws by keeping an error on my credit report is unacceptable. According to the following : FCRA 611 ( 15 USC 1681I ).
Product: Checking or savings account

As of Wednesday XX/XX/XXXX Capital One has not released my direct deposit in the amount of {$4700.00} citing " technical issues. '' As of today Friday XX/XX/XXXX no time frame has been provided on when the funds would be available. 

Capital One sent an email on Wednesday ( see below ) however no message in regards deposit, transactions being affected. 


Bill Pay will be unavailable starting XXXX XXXX, XXXX Recently, we let you know that your Bill Pay service is moving to a new system. This move requires Bill Pay to be unavailable from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

During this downtime, Bill Pay wont be accessible by anyone, including our customer service team. This means that changes cant be made to existing or new payments until Bill Pay is back online. There also may be longer wait times in our phone queues. 

Please make any wanted changes to your current payees or payments before XXXX XXXX, XXXX, to avoid any disruptions. Youll get an email as soon as you have access to the new Bill Pay and can manage your bills in one place. 

We apologize for any inconvenience this move may cause. If you have any questions, visit our frequently asked questions page. You can also give us a call at XXXX. Were available XXXX XXXX XXXX  ET, 7 days a week. 

Thanks for choosing Capital One.
Product: Credit reporting or other personal consumer reports

told Experian, XXXX, and XXXX to reinvestigate these accounts 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 XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account Number : XXXX
Product: Checking or savings account

CapitalOne has not deposited my funds that I have earned from my employer into my account on the pay date Im to receive funds. This is very unacceptable for the hard working class who depends on their funds, especially with the climate of our economy!!!
Product: Mortgage

I applied for a mortgage with Navy Federal Credit Union. I was informed by the loan officer if I could not get the full amount I wanted Navy Federal Credit Union would counter with a lower amount. This did not happen, I have XXXX credit score of XXXX and the key factors that supposedly adversely affected my credit score was : 1. Level of delinquency on accounts. 2. Time since most recent acc ount opening is too short. and 3. Too many consumer finance company accounts, too many inquiries in the last 12 months. 

The last time I opened an account was in 2017. I am not delinquent on any of my accounts and I only have had one inquire in 12 months. You can tell all this just by my credit score. The highest you can get is XXXX. 

I also have a savings account with over {$10000.00}. I also had a Pre-Approval letter last year for {$160000.00}. and nothing has changed except for the fact that I own two properties and I was selling the one with the mortgage left on it and still am. So, I do not understand why I was completely denied. I am a single female.