23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Capital One Bank allowed my XXXX year old, by going online to their site, to set up an online banking link to a custodial savings account with no questions asked and no notification of the adult custodian. He was also allowed to switch from paper statements to electronic with his email address as the recipient, so no one would know. He then was able to make XXXX separate ACH withdrawals totaling {$750.00}. The " Bankers '' at our branch were mortified, telling us that if he walked into a branch he would not have been allowed to conduct any business without the custodian on the account. They tried to help us but the only thing they seemed able to do was to refer us to the online banking fraud department. An " investigation '' was done, and not surprisingly, no fraud was found, as the end recipients of the transfers answered the inquiries saying there was no fraud involved. No one beyond the branch personnel seems to understand or take any responsibility for the negligence of the bank in breaking their own rules. Custodial accounts are set up to protect the money from underage individuals without the maturity to manage money. This has been a monumental breach of trust. I ca n't imagine we are the only people this has happened to. I believe the bank should restore the funds to the account, regardless of whether they can get the money back from the end recipients or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have aye ongoing on problem with XXXX and Equifax, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.
Product: Debt collection

americollect inc is trying to collect on a debt that is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

I am using XXXX  so some of the words XXXX be interchangeable anyway in XX/XX/year> Integra credit claimed I made for was given a loan. In XXXX oh no it was in XXXX of 2023 they were trying to take money from my account at XXXX which I denied or refuse the charges. So in XXXX they wrote me again about a loan that I did not receive. I XXXX have failed out long papers because I was trying to argument my account or put money in my account but I have money coming. I did not take the loan I did not receive the money and they have continuously harass me about funds that I did not receive. See you attachment. In XXXX I called the bank and did a conference call with their people and the bank and the bank told them that there was no loan applied to my account. They are calling me XXXX times a day or more and leaving messages or burning up my phone.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; AFS XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have mortgage from M & T Bank XXXX XXXX XXXX Tx XXXX XXXX My Name is XXXX XXXX Loan number XXXX ( and my property at XXXX XXXX XXXX  XXXX, IL XXXX The escrow account is not correct and they want me to pay $ XXXXas a shortage and they paid the insurance from my escrow account. 
This is not a small amount of money I should pay. 
The difference between the costs of the insurance company around {$250.00} increased and the difference between two years tax around {$400.00} so it should be around {$650.00} not {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX  Account # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I have two Complaints. The First is for the XXXX XXXX XXXX ( XXXX ) I lived in these apartments called XXXX XXXX, in the month of XXXX I got sick because the carpet that this apartment has caused me allergic problems and very bad for my health and the doctor demanded that I immediately leave that place. I submitted medical reports and they didn't care even though I sent them a medical report from my GP about my health. They only said you have to fulfill the contract and pay. 
However, at no time did I refuse to pay XXXX XXXX, they also told me that I had a benefit from a DEPOSIT INSURANSE. 
The full bill was {$4200.00}, but with the Deposit Insurance I would pay {$1800.00} of the total debt. What I would have to pay in total would be {$2400.00}. 
They told me we are going to wait for the insurance to pay us the {$1800.00} and we will notify them so they can pay the rest of the money. I received a call asking me to go pay, and I told them that week I'm going to pay them the fee. When I went to XXXX XXXX they told me your account was sent to Collection to the Hunter Warfield Company, you now have to settle with this company and not with us. It seemed unfair to me because I never refused to pay them. They also forced me even though I had a health problem. 

The Second Complain is the following : Days later I received a call from Hunter Warfield Company. They told me that I had a debt with them, they told me that I had a total account of {$1800.00} regarding my account with XXXX XXXX. I told them that I had no problem paying it at once. So we did it and they told me that everything had already been paid in full, the entire bill. To my surprise, days later I received another call and they told me that I had another debt with them of {$2400.00}. I was confused because they had already told me that everything had already been paid. 
I immediately went to XXXX XXXX and told them that Hunter Warfield Company was charging me another amount. They said that they should not charge me for that account that DEPOSIT INSURANSE had already paid them. They printed me the email that Deposit Insurance had sent to XXXX XXXX. 

The Hunter Warfield Company does not want to listen to me even though I have sent them all these supports, they demand that I pay the entire bill. Meanwhile, interest is accumulating and my Credit is being affected. 

Please help me. 

XXXX XXXX. XXXX XXXX ( XXXX XXXX. Manager ) Tel : XXXX Hunter Warfield Company Tel : XXXX Deposit Insurance ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Tel : XXXX I am XXXX XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I saw some UNVERIFIABLE account on my personal profile after I received the copy of my report that I purchased with XXXX XXXX on XX/XX/XXXX, I instantly called your department I discovered that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # XXXX : ) I have never with this account listed below, so please help me remove this CHARGE OFF from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

BK OF AMER XXXX  Date Opened : XX/XX/XXXX Balance : {$11000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Bank account or service

I am attempting to close my deceased brother 's checking account. 
I was told I needed to appear in one of their branches with the death certificate. I live in XXXX, the bank is centered in XXXX. I flew there and did as requested, but did not yet have testamentary letters appointing me the personal representative for the estate. The banker who helped me told me because it did not transfer to me on death I needed to come back to a branch in person with the testamentary letters when I obtained them. 
I have handled both my mother 's and brother 's estates. In every other case with a financial institution there was an option to handle this remotely. 
The fact that they want me to fly there again, rent a car, and visit a branch in person when I 've already done so once with the certified death certificate, and they took a copy of my government ID seems ridiculous to me. 
I have the testamentary letters now, but do n't understand why there is no option to handle this without a personal visit to one of their branches.
Product: Credit reporting or other personal consumer reports

This creditor DEPT OF EDUCATIONXXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Debt collection

Spring oaks supposedly purchased a debt that was already added to XXXX XXXX
Product: Debt collection

Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.
Product: Checking or savings account

On XX/XX/2022, a check was processed for {$8000.00} by XXXX XXXX XXXX on a former checking account check # XXXX that has been closed for over 14 years. I have reported it to my local police and it is still under investigation. I just received a notice that another check in the amount of {$1000.00} for XXXX XXXX check # XXXX by a debt collector. I contacted Wells Fargo in person, over the phone and via email informing them that there is a check that was fraudulently processed and my former name 's signature was forged. I only know of these two checks however, the thieves have multiple books of checks that were stolen from my former home. My request is to flag the stolen checks that were drawn on XXXX XXXX XXXX. at each bank and processing center. If the check is received at a branch, an email can be sent to every branch or processing center to alert and possibly close the tracks on the thieves that are stealing from the small businesses that choose to not be more proactive by using a check verification system. My father and countless others have been victimized by this type of checking fraud. A simple email will alert the branches and merchants that this check should not be processed. I don't know how many more checks the criminals will try to process before the are apprehended. We need immediate help. Will you?
Product: Mortgage

To whom it may concern : I, XXXX XXXX am a homeowner in XXXX XXXX, California and recently discovered that I am a victim of identity theft. One or more thieves have used my identity to open accounts, steal my credit and place liens on my property. All these accounts were opened without my knowledge nor approval. I knew nothing about any of this until recent. As a result, several fraudulent involuntary judgement liens were placed on me and my home and after several months of requesting that the lien holders investigate and remove or provide me with documentation substantiating signed contracts, credit card statements, signed court notifications to appear, etc., they have not been able to provide anything. 

Also, I have made several requests in writing to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX that they investigate and remove those liens on my property title. To this day, the lien holders and title company have refused to respond and remove these liens from my title. This fraud has prevented me for closing several financial equity deals. Please notify all named parties listed below to discharge the fraudulent liens. 

Enclosed documents include : 1 ) Identity Theft letter to Chicago Title Company-XXXX identifying involuntary judgement liens. Approximate total {$42000.00} as of XX/XX/XXXX. 

2 ) Identity Theft letter to XXXX XXXX XXXX for lien Case No. XXXX. Approximate total {$11000.00} as of XX/XX/XXXX. 

3 ) Escrow lien letters from XXXX XXXX XXXX  for XXXXien Case No. XXXX & XXXX. Approximate total {$31000.00} XXXX XXXX + XXXX ) as of XX/XX/XXXX. 

Regards, XXXX XXXX___________________________ Date XX/XX/XXXX
Product: Debt collection

Lender makes repeated telephone calls without leaving messages ; they contacted my spouse ( who 's not a co-borrower ) asking for me to contact them ; and, they called me at my employer. These actions violate the Fair Debt Collections Practices Act and are harassing.
Product: Bank account or service

I opened an account with Bank of America shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.
Product: Debt collection

I have received multiple letters from Convergent Outsourcing Inc. regarding multiple debts that are not mine. 

The first time was about a year ago regarding a XXXX account when I have never had an account with XXXX. 

Now, more recently they are incorrectly claiming I owe money to for a delinquent XXXX XXXX services account. While I did have an account with them I closed that account and paid all bills and returned all equipment in a timely manner. Upon contacting Convergent they admitted that the account on file had an address that was never mine. 

They are repeatedly and incorrectly assigning debt to me and others as seen on the complaints page of the XXXX XXXX XXXX  as seen here : https : XXXX Please help correct their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022. Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? 
Which associate did you speak with? 
Which friends did you speak with? 
Which acquaintances of mine did you speak with? 
Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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  Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.
Product: Vehicle loan or lease

Hi I Lease A Kia XXXX 2017 With Kia Fianance. Im Also In A Joint Lease With My Mother And Ive Recently Missed Some Payments Due To My Job Not Paying Me On Time. As Soon As My Job Paid Me All The Money I Was Owed I Paid My The The Bill. And Its Now Current. But As A Result Of My Troubles My Credit Score Was Negativly Affected And Ive Tried Reaching Out To Kia Moters Fianance Multiple Times To Fix My Credit Score.