23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX had gotten a Warrant in Debt issued back in XXXX. I was not served said Warrant in Debt until XX/XX/XXXX for a court date that was scheduled for XX/XX/XXXX. When I called XXXX   XXXX XXXX, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from XXXX   XXXX XXXX regarding the repayment. On XX/XX/XXXX, I called and spoke to a few representatives at XXXX XXXX, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was received. I called again on XX/XX/XXXX and was told the same thing. On XX/XX/XXXX, I received a credit alert from a monitoring service stating that they had taken out a judgment. The judgment was marked paid in full after contacting the CFPB regarding the matter due to XXXX XXXX using false statements to garner the judgment. 

I have contacted the CFPB on this matter several times. On XX/XX/XXXX, I received notification from my employer that I had a wage garnishment issued by XXXX XXXX on XX/XX/XXXX. I was never given any paperwork regarding the garnishment order other than an electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CFPB due to both XXXX XXXX and XXXX XXXX having made ZERO contact with me in the process. After contacting the CFPB, on XX/XX/XXXX and XX/XX/XXXX, the money garnished from my wages,, totaling {$470.00}, was paid back to me by my employer per a resolution that was reached by the CFPB. 

Now on XX/XX/XXXX, I received yet another writ of garnishment from XXXX XXXX regarding this same matter. I have not received any contact from XXXX XXXX over this matter, nor have I received any contact from the " XXXX XXXX XXXX XXXX '' group who is representing them. The only notice I was given of the writ of garnishment was an electronic notice from my employer. The notice states that they are deducting 25 % of my wages from XX/XX/XXXX until XX/XX/XXXX. The notice pointed to a court record which is a hearing date which is scheduled for XX/XX/XXXX. XXXX XXXX and XXXX XXXX both have actively sought out a garnishment without having a hearing prior to the matter, and XXXX XXXX has already had a resolution in place regarding this issue as of XX/XX/XXXX.
Product: Mortgage

My husband and I are XXXX XXXX that feel our rights have been violated. Our phone seems to have someone screening our calls letting certain calls go through and stopping others from going through. Our computer does what it wants to do and not what we want. My Mortgage Company seems to be taking money and pretending I still owe it to Foreclose early on my property, They appear to be trying to rush me into early foreclosure while calling me everyday and every hour of the day/ These calls are making me sicker by the day. I am not supposed to be behind on my Mortgage, however they are demanding {$2000.00} plus dollares by XX/XX/XXXX when my payments is {$780.00}. Taxes and Insurance included. I just paid {$800.00} plus dollars almost {$900.00} XX/XX/2016 they said they are holding it but it needs to be applied to my loan to show that I am paying my Mortgage. 
XXXX XXXX XXXX XXXX has been taking my XXXX retirement check for the last 2 Months which prevents me from writing checks and now we have to purchase bank checks, We need an attornehy to come and sit down and talk with us on a one to one to let us know what our options are. I do not trust Wells Fargo Mortgage Company, XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX they have all contributed to me losing my excellent Credit rating and now we can not get credit any where in this town. We need help. ( Anonymous ) I am being told one thing and they are doing something else.
Product: Credit card

on XX/XX/XXXX my wallet including my credit card was stolen and fraudulent charges were made with it before I was able to freeze the card. These charges amounted to a total of {$490.00}. I submitted a report to Bank of America and disputed the fraudulent transactions on XX/XX/XXXX via the Bank of America app and via phone call. On XX/XX/XXXX Bank of America sent a letter to me titled " Update On Your Claim ''. By this point none of the charges were pending anymore. The letter stated the total amount of the claim to be {$440.00} and informed me that I would be temporarily credited {$44.00} while my claim got researched. Neither of these numbers match the actual {$490.00} of the fraudulent charges. On XX/XX/XXXX Bank of America sent me another letter tited " Update On Your Claim '' stating the claim to be {$490.00} and staiting " We're unable to approve your recent claim ''. This letter also stated the reason for denying my claim was that they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present ''. This statement shows that Bank of America did little to no research in coming to their conclusion. None of the fraudulent charges were cash withdrawl so none would have required a pin and I had informed them that the thief had my credit card and likely my entire wallet so the thief had acces to my card with my chip and my driver 's license so could have copied signature on my license to forge a signature. None of the reasons Bank of America gave for denying my claim are relevent to the claim. on XX/XX/XXXX Bank of America charged me for their earlier {$44.00} temporary reimbursment. Currently the {$490.00} are still on my credit card bill due XX/XX/XXXX. After recieving the claim denial from Bank of America I sent them a letter via certified informing them that I would not be paying the fradulent charges as I was still disputing those charges as well as requesting that they credit the disputed charges to my account and provide all the documents they used to make the decision to deny my claim. I was able to verify that the letter was recieved by Bank of America Billing inquiries on XX/XX/XXXX as it was certified mail. As my bill is not due until XX/XX/XXXX this means that Bank of America recieved my apeal within the time p [ eriod they had given me for payment.
Product: Debt collection

On XXXX I spoke with a representative from Chase Bank. During the call, we discussed an optional payoff amount of {$8500.00} over the course of 12 months in equal payments of approximately {$710.00} per month. They also informed me that I could make a one-time counteroffer to settle the debt in question. I was told I had 30 days from that day ( XXXX ) to make a decision to move forward with this option. I verified the 30-day time frame before ending the call. The direct line number XXXX XXXX XXXX XXXX was provided for me to call back once I came to a decision on the option presented to me. 
XXXX XXXX MST I called back the number provided. After verifying information with XXXX, I was told Chase was not handling my account and would not accept the previously offered payment option. I inquired about the 30-day time frame given on XXXX and was told they were sorry but they could do nothing. I also spoke with XXXX his supervisor who said he also could do nothing. He explained that whether I was given accurate information or not the option given me was not viable. I asked why I was given an option to pay this debt through Chase that wasn't an actual option. After him confirming he had no power to do anything in this situation I asked to speak with his supervisor and he eventually said someone would call within 72hrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as " Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a " Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a " repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.
Product: Checking or savings account

I used my debit card in person on the XX/XX/XXXX at XXXX to purchase cat food. When I put the card back in my new purse, which was a back purse I put my card in the pocket which I never do but wanted to get out of the store quickly. when I flung my purse back over my shoulder the card must've fallen out. ON the XXXX I used XXXX to make a purchase at XXXX. On the XXXX I noticed that I got a notification about my account being low. However, I hadn't used my card. There were numerous transactions at XXXX and XXXX which I never or hardly ever go to. My account had been drained. I called the bank and canceled the card and filed a claim. That the woman said I would have the money back in 1-2 business day guaranteed. When the money didn't go back in my account I called again. They said the exact same thing. I called again after two days and the woman then tells me I won't get the refund until the XXXX. Guaranteed! While out of town I get a letter stating I won't be getting the refund due to not calling immediately saying I lost the card and because it was used as a debit. I had not used my card since the XXXX and don't have it in my possession. I called them and that's all they told me. Didn't give me any other information. Earlier in the week I went to a branch trying to get more information and they were once again no help. Today I got an email stating that the reason the account was being closed was due to odd transactions. I called and they told me it was being closed because of the odd transactions at XXXX and XXXX. Which I in turn said the fraudulent transaction that you are refusing to refund me. They said yes and didn't help me any further.
Product: Debt collection

I was in the hospital and had no insurance, I was advised to apply for XXXX which I did and received. The hospital bills did not get paid and I went back and forth trying to get them paid. I started getting collections calls and agreed to pay a discounted payment. I had several different bills some were small I paid them in full. I made agreements with the bigger owed bills. When I went to refinance my mortgage I was denied because of a collection debt on 2 of my credit reports bringing down my score considerably. I got the information and called to collection agency, I was told that the bill was still outstanding even through on my paperwork I had marked it paid to another agency. 
When I spoke to the representative she told me that she could discount the balance by 40 % so I paid the bill. When I ask her when the derogatory mark would be removed from my credit reports she said since I didn't pay the entire balance owed it would not be removed. She said all I had to do was pay the entire balance, really! I have never heard of something so unfair. One of my other larger bills went to XXXX they worked with me gave me time to contact my insurance co, never put it on my credit report and I we settled on a balance and it was paid. So now they will not remove it, not only is it showing up as a collection account but also a late account and will remain on my credit for 7 years, for something I wasn't even away of. I did receive a couple of statements but the amount being billed was the same as the bill I had paid to XXXX, I just figured it needed time to catch up with the payment and then the bills stopped. The bill is paid and should be removed entirely from my credit report, they basically blackmailed me to pay the entire balance and I was unable to. I thought with all the copies of bills and what was paid I would be able to get it removed by disputing it. I don't think it's fair that I have to go back to the agency and pay the remaining balance to get it removed from my credit report, and what guarantee do I have that they will. I'm still hoping to refinance before the rates go back up. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? AGAIN, this situation is making me sick! Transunion and CFPB are unresponsive about my complaint. I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Transunion. Also I have sent my FTC report and my Police Report to them but still nothing has changed. They became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Confirmation or Investigation. I am an identity theft victim and I want you to do your part and DELETE these items that caused me so much stress. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Credit card or prepaid card

I had a XXXX limit on my credit card, for which i never missed or was late on payments. I base my spending on these limits as do most normal people. As soon as I made a large payment of XXXX, they cut my credit limit and will not let me use that amount. They stole it from me. I never would have made a payment that big if I knew that they would cut my credit limit. This affects not just spending, it affects my credit scores dramatically. it's not right. they blame it on XXXX  which is not true. It's because I made a large payment and they saw an opportunity to screw me. All I want is them to honor the credit limit I had before they did this to me. It's outright theft of my credit. They cut my limit by XXXX the days after this payment was made. it's got to be illegal I want to sue them.
Product: Money transfer, virtual currency, or money service

THIS IS NOT THE SAME THIS IS NOT A DUPLICATE I have reported fraud and identity theft since XXXX/XXXX. 
I reported fraud and identity theft in person to XXXX XXXX XXXX XXXX  XXXX va the manager XXXX. 
I have over XXXX XXXX dollars that has been illegally stored and transferred via Ebankibg unknown identity thief. 
XXXX bank if America regulatory supervisor after intense fraud research thru my complaint her letter dated XX/XX/XXXX states CLEARLY MS XXXX I DO NOT SHOW ANY OVERDRAFTS ON YOUR dole account of XXXX. I recently obtained bank of americaiXXXX dole accounts that prove that was a false statement by my financial institution that should be protecting my monies and personal information from being combined with other persons/ entity. attached are screenshots of the XXXX XXXX XXXX overdraft. Of {$35.00} and then I was charged {$35.00}. 
So again bank of America who had XXXX  access to my sole account of XXXX XXXX XXXX from XXXX thru present date. 
Also identify the bank of America addresses of my sole account that bank of America put on my monies Opening thru XXXX XXXX XXXX XXXX Florida   XXXX XXXX deleware I am requesting the authorization documents if who put me on these business type EBANKING accounts with my deposits of over 100 thousand dollars plus transferred monies ( without my knowledge  or permission ) that was fraudulently used tampered with transferred and someone running thru fraud unauthorized check cards which I did not have any debit cards as per summeralls letter until late XXXX.
Product: Debt collection

I dont aquire this debt this was identity theft XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I tried reaching out to Jefferson Capital and XXXX. The reps are rude to me and arguing with me that it was my debt and i had to pay for it, I let them know those accounts were not mines and done fraudulent. One of them actually laughed at me and thought i was a joke. 

In XX/XX/XXXX I was scammed into thinking i owed the IRS money. They ask me to confirm my identity by having me answer all these questions and said i need to send them a money order of {$2000.00} in a money order because they said i owed money. I later heard about the scam and called the IRS to see if i needed and he said no.
Product: Mortgage

On XXXX of XXXX Lakeview Loan Servicing LLC paid to XXXX County two payment of taxes after audit from XXXX. the amounts they claim they paid were XXXX and XXXX. To my knowledge, the XXXX was paid in error, and not owed, yet is was taken from escrow account. Further investigation shows that XXXX county never received the XXXX, although they did receive XXXX on XX/XX/XXXX. I brought this discrepancy to the attention of Lakeview Loan Servicing LLC on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX - who said it would be looked at by XX/XX/XXXX. After getting no response I brought it up with supervisor XXXX on XX/XX/XXXX and again with XXXX on XX/XX/XXXX. I still did not get a response so I brought it again to supervisor XXXX XXXX on XX/XX/XXXX. He said he would escalate to Tax dept. On XX/XX/XXXX I received an email from customer support stating that they would respond in another 3 days, and then on XX/XX/XXXX another email stating they were still investigating and would respond within 3 days. After hearing nothing more, I called again on XX/XX/XXXX and spoke to supervisor XXXX. He said he would escalate to tax dept. After explaining we had already been down that road, he transferred me to Leadership member XXXX. While once again explaining everything to XXXX, who seemed to understand the problem, we were disconnected. I called back and no one was able to transfer me back to her. They stated that the notes showed that the check for the tax was sent and they would, once again, have to investigate. I have let everyone know I have documents showing tax history and that the XXXX was never received. 
I believe Lakeview has been giving me the run around and has not seriously looked into the issue since originally brought up midXXXX, XXXX 1/2 months ago.
Product: Credit reporting or other personal consumer reports

I am submitting to formally request the removal of four remaining fraudulent inquiries from my credit reports. These inquiries should be expeditiously addressed in accordance with the FCRA section 605b, which obligates Credit Bureaus to remove items listed on an identity theft report. The inquiries requiring removal within 15 days are as follows : XXXX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.
Product: Debt collection

National Credit Adjusters LLC Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 


I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 


The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 

2.

Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 


A chain of title proving ownership transfer of the debt. 


Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. 
Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt. 

4.

Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting.

5.

Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts. 







Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful. 



Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX and XXXX XXXX.