23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX has acted as a debt collector have have sent documentation to my abode without my consent. The documents they have sent me were both threatening and full of misleading information. Pursuant to 15 usc 1692b ( 5 ) the company has violated my rights by sending me debt collection information with a stamp on the letter head that proves they are in the debt collection business. This is a violation of my consumer rights. 

XXXX have also used false and misleading information in their attempt to collect a debt by stating I have an outstanding balance and a '' payment '' is needed when the account was started from my consumer credit card from the federal reserve. 

By including another company ECSI this debt collector has violated my rights under 1692f ( 1 ). A threat was sent to my abode and I demand that they cease all reportings of such alleged debt as well as send a full investigation of this alleged debt.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$18000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I was receiving multiple calls and letters from discover bank, I called them and told them I have no recollection of this debt or had a discover card and asked for them to provide me with proof. A year went by and I did not hear anything then all of a sudden I was getting about 15 calls a day again I said the same thing about proof and this went on for about two months multiple phone calls a day, I spoke with someone again and said please do not call me anymore if you can not provide me with the documentation I have been asking for and they said if I do not pay I can be arrested and they were very aggressive. Now all of a sudden I have a court date and I am being sued by discover bank for the amount of I believe {$3300.00}
Product: Checking or savings account

I received an email that on XXXX XXXX, XXXX  Global Credit Union would be changing over, I have been a member for 20 years plus. On XXXX XXXX I went online to input the 3 steps to change over I keep getting error after several trials I stopped. The next day I tried again keep getting the same error then it said your switch has been made. I tried to login but I couldn't, I tried to call GLOBAL Credit Union old telephone number but it was not working. 
On the Webpage there was a new telephone number but it couldn't be working until days later. On XXXX XXXX, I called the new number and got to speak with two people. The first was the clerk he asked for my account number : I gave him the only acct number I knew which was the old GCU account number he called me a name I didn't recognize, ( XXXX something ) I said that is not my name. He then asked for my social security number. He said he had my account. I asked for my balance. It was very low and very wrong I told him the balance is not correct I should have much more money. I also said I knew this switch would cause problems, I asked who do I need to talk with about my balance. I asked him several time before he said I ( he said he was putting notes down about my account ). 
I was put on hold again. The hold times were sufficient so lots of people must be calling in. Finally, I Speak to the higher up person. I explain that I was having problem with account, my account balance is not correct and I can not log in to online banking. He was nice and we went through create an account for online banking. I can see my balance now again I told him that the account balance was low and not correct. I asked to see my account history. He said he didn't have it. I asked ; how can you buy out a company and not have our account history. He said they ( GCU ) only sent the last month of XX/XX/XXXX. That was the only history I could see online. I asked and stated that it was fair that we couldn't see our history. He said I could request the last month history. I said that not going to tell me much info about what went on with my account, He said that was all he could do. 
I received my new account number from the higher up person, that was how our new banking accounts were created. I am thinking if you using the same name ( Global Credit Union ) why create new accounts without the customer there to see the process. What I want : I need the old Global Credit Union to supply me with my bank account history from XX/XX/XXXX until the present date. The Alaska Credit Union that took the name of Global Credit Union should help us save this problem. My monies need to be put back into my account. 
The bank statement online format looked different, faked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : 1. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 6. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Product: Credit reporting or other personal consumer reports

I have discovered fraudulent inquiries from my credit report, XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Product: Money transfer, virtual currency, or money service

To Capitol One Fraud/Scam dept, I am writing to report a telephone scam involving XXXX and the good name of XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX On XX/XX/2021, con artists called me pretending to be billing agents from XXXX XXXX XXXX. They tricked me in to making emergency " payments '' and some refund " transactions '' using XXXX in order to prevent the power from getting turned off. The caller ID on my phone was XXXX and it seemed legitimate. They had me make 5 separate transfers totaling {$2000.00} under the pretenses shown : {$180.00} " back due amount : {$390.00} " back due amount plus current due '' {$180.00} " refund of first payment '' {$580.00} " refund of first two payments '' {$700.00} " reset transactions '' The scammers wanted to go further, but I told them to hold while I used a second phone to call XXXX XXXX XXXX. I reached an agent who assured me that my account was in good standing and there was no need to for any action. I then told the scammers to jump in a lake, figuratively speaking. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, CA I filed a previous complaint with cfpb against XXXX seeking consideration for this event. ( NR XXXX ) XXXX declined to do anything but did contend that the funds were transferred to an account with Capitol One. Please review the attached response from XXXX. 

I have also attached screenshots of the transfer confirmations. The phone number that the scammers asked that I use for the receiving account was XXXX. This phone number was a XXXX phone but is no longer in service and was registered to a now deceased woman named XXXX XXXX XXXX XXXX XXXX KY. The XXXX XXXX police confirmed XXXX XXXX 's passing sometime last year. She had other addresses in an around Tennessee as well.
Product: Debt collection

On XX/XX/2019 at XXXX we received a call ( XXXX ) with a recorded message for an XXXX XXXX stating that they needed to call back XXXX XXXX ) and reference case # XXXX as a case is being filed in their county. After pressing 0 the initial operator did not give any information about the company and put the call on hold until it was hung up a few minutes later with no warning. I called the number given and the operator said the company is DYNAMIC RECOVERY and stated that he would try to get our number removed. These calls have persisted even after asking for our numbers to be removed previously
Product: Credit card or prepaid card

I was charged unnecessary late payment fees from two different credit cards with capital one for {$25.00} each, which capital one says that they already refunded. But there is no evidence within my transaction history when I log into the mobile app reflecting the fees were ever waived or refunded. They are not producing an accurate information in an accounting record in my opinion.
Product: Vehicle loan or lease

In XX/XX/XXXX, I signed a 3 year lease contract for a XXXX Nissan XXXX and financed my payments through Nissan Motor Acceptance Corporation. In XX/XX/XXXX, I put two seperate insurance claims with XXXX insurance to have damage fixed to my car from a hit and run incident sometime in the fall of XXXX. This auto body work was completed in a timely fashion and great condition at XXXX XXXX XXXX shop in XXXX, PA. I turned my lease in within 1 day of picking the car up, in pristine condition, straight out of the body shop. 

Shortly after, I received an email from a credit bureau that I owed Nissan Motor Acceptance Corporation {$4000.00} from various charges, but the bulk of them stemming from " previous repair ''. I called Nissan Motor Acceptance to dispute this, stating that I completed all of my repairs before lease turn in. The representative on the phone stated " you signed a contract and you're liable. The repairs you had completed were not up to our standards here. '' I was advised to call my insurance company. 

After several phone calls and emails back and forth with my XXXX Insurance Agent, XXXX XXXX ( who was very helpful ) he advised me to contact Nissan and that XXXX was not able to rectify this. 

In or around XX/XX/XXXX, I submitted a complaint with the Attorney General 's office of PA, followed by a letter a few weeks later that they submitted a complaint with Nissan but that by law, Nissan does not have to respond at all. 

Shortly after in XX/XX/XXXX, I started receiving phone calls from a debt collector. 

I do not contest the {$390.00} disposition fee, or the {$43.00} tax on that fee. I do not contest that the driver 's side mirror COVER was cracked, but the fair market value of this in somewhere around {$60.00} on the official Nissan website, not the {$460.00} that was charged. The majority of these charges are on the statement as " previous repair '' as the damage description, which was all fixed at a certified auto body shop. 

Furthermore, there was an 11 % tax added to the " excess wear and tear '' charges on this bill for a total of {$350.00}. I am questioning the validity of this tax percentage and where that number even came from. 

This is complete unfair business. I did my part and completed what I was advised to fix and sent the vehicle back in the condition I first received it in. My car before leasing the XXXX was a XXXX Nissan XXXX, and I turned it in with so many scratches and dents and never got a bill from Nissan for any of it. I am assuming it is because I leased another Nissan. 

This bill has given me tremendous stress and I do not know how to proceed. Aside from the illegitimate charges for my previous repairs on this bill, the prices are completely inflated and unjust. 

I was advised by a XXXX Insurance representative that the company could not have reported this to a credit agency until after 60 days. This balance already appeared on my credit report as unpaid. I do not even know if this is proper information given to me by the representative.
Product: Checking or savings account

Yesterday, on XX/XX/2018, I found out BANK OF AMERICA, summarily closed my account- and refused to give me my monies in that account- saying they have to hold them until account is closed- makes no sense, as ACCOUNT IS CLOSED THIS IS CONFISCATORY THEFT OF MY MONIES- WITHOUT DUE PROCESS OF LAW. I had about {$6.00} dollars there- stopped my debit card- and I am a XXXX, senior- and now can not pay my bills- ALSO ADVERSELY AFFECTING MY CREDIT AND CREDIT RATINg A few months before I had horrible fraud against my credit cards- giving me addiontla debt of {$12.00} plus- which the bank refused to honor- and closed my credit cards. I then opened a business account- and credit card issued for that was closed, without prior notice to me- The bank had made no effort to reimburse me for that theft=== THIS IS UNCONSCIONABLE- as they claimed there was possible MONEY LAUNDERING, AFFECTING 5 OTHER ACCOUNTS- gave me NO WRITTEN NOTICE- and made no effort to protect me nor reimburse me for these loses. Could BE ANOTHER=== XXXX XXXX XXXX, FRAUD by this bank No advance notices or written notices given me by the bank regarding the total of about over {$18000.00} ( XXXX XXXX dollars ), they have in effect STOLEN FROM ME- this is STEALING MY PROPERTY WITHOUT DUE OF PROCESS OF LAW- and they FAILED to protect me from the PRIOR FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
The auto loan iwas not 30 days late in XX/XX/year>. The account was closed and paid as agreed.
Product: Credit card or prepaid card

I went to 5 different ATM 's on, including 3 that were pointed out to me by the bank 's ( US Bank Reliacard ) phone app, and I could not withdraw any money. Every time I was given a simple do not dispense error. I tried various amounts ( XXXX ), none worked. Despite having a balance of XXXX dollars on there. No reason given, just refused to dispense. So its impossible to get cash off of this card.
Product: Credit reporting or other personal consumer reports

I recently came across information regarding the CFPB Experian lawsuit. 

I believe I was adversely affected, as the response to my previous dispute indicated that the accounts in question were verified, which may have negatively impacted my credit opportunities. 

I would appreciate clear and substantiated evidence supporting the verification or a prompt correction of any inaccuracies.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
Product: Credit card or prepaid card

The total balance is {$5500.00}. I sent out a VALIDATION OF DEBT on XX/XX/XXXX23, a NOTICE OF FAULT / OPPORTUNITY TO CURE on XX/XX/XXXX, and a NOTICE OF DEFAULT / CERTIFICATE OF DISHONOR on XX/XX/XXXX23 along with an AFFIDAVIT OF TRUTH. I requested validation of the alleged debt made pursuant to the FDCPA laws, listed my terms in my documents, and they provided no proof that there is a valid debt owed. I received a notice from the company on XX/XX/XXXX23, which simply stated that they had conducted their own investigation and the debt was valid. The credit card company closed my account on XX/XX/XXXX2023.
Product: Vehicle loan or lease

I wasnt aware my loan was transferred until I looked into it myself. I have been transferred from U.S. Auto Sales to Westlake Portfolio Management. I was also being charged hidden gap fees by US AUTO. Also was tricked into having a high APR. 

I can no longer locate their website that contained my documents. I believe theyve taken it down.
Product: Credit reporting or other personal consumer reports

Ford motor company put late payment on credit report. Due to me being overseas/ dealing with military I was under Servicemembers Civil Relief Act This need to be off my credit or I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any fraud alerts or remarks from my credit. It is preventing me from establishing instant new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : 01 XXXX XXXX )  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Vehicle loan or lease

I applied for a loan online, and received a call from a rep of One Main in  XXXX, VA. He told me that I qualified for a {$15000.00} loan and only needed a few items of documentation. I sent the items, he told me that I was approved. I called my current finance company to tell them that I was paying off the loan only to get an additional call from One Main telling me AFTER they told me that I was approved, that they could not offer me the loan after all because their computer program denied me. That's put me at an inconvenience and also, my current company thinks that I told them a falsehood. My complaint is that this company promises what they can not deliver. They bait and switch. They promise that they have you approved, then they switch their minds. When i told them of my disgust, they said that they were sorry for the miscommunication. It was not miscommunication. I told them of my credit problems up front and was promised that I had a loan only to find out at the very end that they could not perform. They have vital info of mine, and should not have that knowing that they could not do the loan.
Product: Mortgage

The bank dispersed escrow funds from the loan in question for the payment of an unrelated property in the same city. While it happens to be another property I own, the other property is not connected in any way to the mortgage in question. 

As a result of the improper use of escrow funds, they have increased my monthly escrow payment by {$260.00} directly due to this shortage. ( A smaller portion of the escrow increase is unrelated to the complaint ) The bank has written to me that because I happen to own the other property they will not refund the improper payment. I believe it is their responsibility to contact the city and work out a solution to refund the payment to the bank. In the meantime, the bank should recalculate my escrow without the shortage created by them. 

I further believe it is their responsibility because the property id for the improper payment does not agree with the property id of the mortgage. It seems there is no process for validating that tax bills match the mortgaged property. This is a huge fraud risk.