23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My scooter was stolen from my place of residence in XXXX of XXXX. Due to the COVID-19 outbreak, the DMV was closed so I was unable to reach them concerning the matter. I filed a police report. I received a letter in XXXX of XXXX  notifying me that the scooter was found earlier that month and was being held at a tow yard. The letter also notified me that I owed the tow yard over {$500.00} to cover the cost of the towing on top of the rate per day to keep it at the tow yard. I immediately called to let the tow yard know I had filed a police report for the stolen scooter and did not understand why I was not notified before the scooter was towed. I did not agree to have the stolen scooter towed and should not be responsible for the fee. I also told them I did not want to repossess the scooter. It was then sold at auction. Since then, I have continued to receive letters from a lien company claiming I currently owe {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through capital one was put on my XXXX XXXX report. i called capital one right away and they closed down the account but XXXX XXXX said they will not take off the hard inquiry without proof from capital one. Capital one says this is XXXX XXXX responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.
Product: Money transfer, virtual currency, or money service

I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the message pasted into the next section but they never notified me of any problem. 
I contacted Bank of America via XXXX. They said that they needed more information but wouldn't tell me what. They expect me to contact them by telephone. But I am traveling in a foreign country with a different time zone and no means to place an international call. I have only a local mobile telephone. BofA requires a landline to place an international call.
Product: Debt collection

In early XX/XX/XXXX I received a debt collection letter from Revco Solutions dated XX/XX/XXXX for the amount of {$430.00} for a medical account with XXXX XXXX XXXX XXXX. In accordance with my rights under federal law I drafted and mailed a letter for debt validation on XX/XX/XXXX to Revco Solutions. This was sent via XXXX certified mail and per XXXX tracking picked up at a postal facility on XX/XX/XXXX. Revco Solutions has not to this date responded to my request for debt validation. On XX/XX/XXXX a debt collection was received from Revco Solutions. The failure to respond to my debt validation letter and continuing to try to collect the debt is a direct violation of the FDCPA. Both debt collection letters from Revco Solutions, a copy of my letter for debt validation, and all tracking information from the XXXX certified mail is included with this complaint for review.
Product: Debt collection

I filed a complaint against EOS CCA agency with CFPB because this agency constantly calls me demanding payment for a debt that they refuse to provide documents or tell me who their client is to prove I owe this debt. In their response to the complaint they mention another agency that I have no idea who they are but again they still refuse to provide me proof of the debt in writing. Also I have asked them to stop calling me, and now that I have filed my complaint they have called me every hour on the hour. They call my cell number which I have no idea how they go my number, they are calling my mother, brother and my kids telling them that they got their numbers from skip tracing and they are trying to track me down. This has to stop. They are violating my rights and I want to file a law suit. They refuse to send documents to validate the debt. They refuse to tell me who their client is or what type of company they are, and now they are harassing me. I need help and I need it quick. My rights are being violated. They told me that no matter how many complaints I file with the CFPB they will never stop calling. They also told me that they will continue to report this on my credit and they will never send me proof of the debt because they do not have too ... I need help here. They need to be put out of business. This is beyond harassment. This is pure Torture
Product: Debt collection

XXXX Over the past 12 months, possibly more, " Halstead Financial Services '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone.

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know XXXX will ultimately handle all wrong doings, so I find solace in that fact.
Product: Debt collection

Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency Hunter Warfield , Inc.XXXX XXXX XXXX XXXX. XXXX, FL XXXX, Phone : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently XXXX. Please HELP! 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Opened Request for Removal Dear Sir/Madam, I am writing to formally dispute an account that has been reported on my credit report. I have discovered an account opened in my name without my knowledge or authorization. The details of the account in question are as follows : Account Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX Date Opened : unknown I did not authorize the opening of this account and believe it was opened fraudulently, possibly as a result of an identity theft incident or Equifax data breach. I am concerned that my personal information was compromised during an unauthorized event.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any fraudulent account that was opened without my permission or knowledge. As my personal information has been exposed, I request that you immediately investigate this matter and remove the disputed account from my credit report. I did not open these accounts. I have not knowledge of these accounts 15 USC 1681 b.

Please confirm in writing that this account will be removed as soon as possible and provide me with a copy of the results of your investigation, as required by law. If further documentation or identification is needed to support my dispute, please let me know.

I also request that you take immediate action to secure my credit and personal data to prevent further unauthorized activities.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this fraudulent account and the necessary updates to my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> I sent Midland Credit Management a debt validation letter via Certified Mail Number XXXX requesting validation of debt with account number beginning in XXXX and have not received any validation of debt. Midland Credit Management are in violation of codes : 15 USC 1692g ( b ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692f ( 1 ) 15 USC 1692e ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent 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 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: Mortgage

I appiled for a loan modification 2 years ago with my old mortgage company. I needed help and made that clear to them. I even had help from a XXXX party loan modification company. After going through every hoop imaginable with my lender, at the final stage of my approval process, they send me a letter stating my loan has been sold to another company and that I 'd have to reapply, for the XXXX time, for a loan modification with my new lender, Ocwen. 
Very discouraged, to say the least, I applied all over again with Ocwen, and had to deal with even more hoops to get my loan modification approved. After another year of sending in documents and dealing with countless Ocwen customer service reps and conselors in XXXX, at the very last stage for approval, I was sent another letter stating " the owner of my loan has fullfilled their quota for loan modifications and I am now denied. " I felt like I got royalIy screwed, again, and there 's nothing I could do about it. I could n't beleive this happened to me again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

n accordance with the Fair Credit Reporting act Equifax 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 written instructions. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. I have Hard Inquires that need to be removed as well, XXXX XXXX, XXXX XXXX is still showing on my account! I demand this hard inquiry removed.
Product: Payday loan, title loan, or personal loan

Around XX/XX/2021 I began an online process for an Installment loan with UPstart.com. I was initially led to believe that the loan was forthcoming and had been approved. I was asked to provide additional information to complete the loan process, such retirement income, bank statements and photo-identification identification - which I did. I had several telephone conversations in furtherance of the process and had no indications of any problems. 
Needless to say the loan was initially reduced and then finally disapproved after having conversations suggesting leading me to incur additional debt in anticipation of the funds being approved. I believe that I was purposely mislead and that the company had no intention of making the loan. I believe that the DC zipcode and XXXX  animus were prime factors in the denial of the loan.
Product: Credit card

Case Number : XXXX Date : XX/XX/2024 Amount : {$1100.00}. 
Case Number : XXXX Date : XX/XX/2024 Amount : {$810.00} Case Number : XXXX Date : XX/XX/2024 for Amount : {$6700.00}. 

Capital One failed to thoroughly examine the documents provided by the merchant, rendering them irrelevant in proving the authorization of the charges. Despite receiving false evidence, Capital One reinstated the charges to my account and expects me to cover the funds stolen by the merchant. Despite my numerous attempts to address the issue with Capital One, their responses have been unhelpful, leaving me feeling disregarded. 

I promptly reported the matter to Capital One and supplied all necessary documentation to support my claim. However, each time I attempted to provide documentation, they swiftly sent denial documents in response, casting doubt on whether they even reviewed my submissions. While I attempted to seek resolution by contacting the merchant for a refund, I received no response. 

Furthermore, I provided a detailed payment history via XXXX, along with photographic evidence illustrating the merchant 's failure to complete the project and the resulting damage. Despite my willingness to collaborate and provide further information, Capital One consistently required additional documentation, only to swiftly deny my submissions upon receipt. Their conduct has left me feeling unfairly treated and unsupported, as they seem unwilling to take any action to assist me.
Product: Credit reporting or other personal consumer reports

Name of the company that reports late payments : XXXX XXXX / Account number : XXXX. XXXX in XXXX, It's Not Correct. Remove Late Payments
Product: Checking or savings account

Robinhood.com a brokerage company and offering a money saving accounts that is insured up to XXXX XXXX dollars. through their gold service. 
I started depositting my money to their gold account as they offer 5 % yield ( high yield ) I have ( XXXX $ ) in saving with them now. 
I'm trying to withdraw some money from it to pay my bills. ( XX/XX/2023 ). 
they put restriction on my account so i can't withdraw or trade my own money. 
I feel scammed as they always assured my deposits are FDIC and XXXX insured and i can withdraw my money anytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given Experian any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information. 
4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit card

The response from Complaint XXXX specified that the company would apply credit adjustments for fees on my XXXX statement. XXXX has come and gone and this still has yet to happen ....
Product: Mortgage

On XX/XX/year> I applied for a HELOC with Spring EQ LLC. I spoke with representative XXXX XXXX # XXXX. I gave my information to run my credit through XXXX only. When he called back, he told me my score was XXXX and needed to be a minimum of XXXX. I called XXXX on XX/XX/year>, and the representative confirmed that my credit report had a score of XXXX. Now I have a hard inquiry on my XXXX report for a loan I qualified for but was denied by XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. 

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. 

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX-
Product: Debt collection

I received the attached letter from a company posing as the CBE group to collect a debt that I supposedly owe XXXX. However, I havent used XXXX in years and have a XXXX balance on my accountthere is no debt. The telephone number ( XXXX ) and mailing address ( XXXX XXXX XXXX ) listed on the letter are different from the real CBE group. This is a fraudulent debt collection attempt. I dont want to reply to them so they can gather more information from me and confirm that it actually is me who lives at this address. I dont know what to do. Thank you for all of your help. I really appreciate it.
Product: Bank account or service

I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.