23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have attempted to fix my issue with Spring Oak Captial multiple times by requesting the debt be validated as it does not show up on any other reporting agencies and has already been removed for being an incorrect fraudulent debt. Spring oak was mail letters requesting debt verification and responded that they needed new information to validate even when they were provided with that new information a case was still not opened for validation. This is because this case would be impossible to validate as its already been removed. This debt is not mine and has been incorrect reported for over a year without any resolve. This account is not linked to any of my online bank accounts nor has any association with me.
Product: Credit card or prepaid card

On XX/XX/2021 I noticed on my Personal Checking Acct a Payment to Capitol One in an Amt of Money that I knew wasn't mine, Called XXXX XXXX and they urged me to contact Capital One, Which I did, Capitol One couldn't tell me anything regarding these charges and could only locate me by the Card Accts that I held with them, they could only verify that I did not have any of this kind of activity with any of my Cards with them ( Which I already knew ) they couldn't or wouldn't? pull up anything as to why they were withdrawing this money, XX/XX/XXXX, fraud dept at my XXXX XXXX was finally able to find a name associated with this Capital One Acct and it was not mine ( to the tune of XXXX ) had been fraudulently taken from my Personal Acct, Contacted Capital One as to HOW??? this could even happen?? I was told by them ; all someone has to do? or Need? is a routing number and checking Acct number, they do NOT verify that they do match, they only have to attest that it does by clicking a simple box. Went forward with Fraud charges against this person ( whom was known to me ) when the Deputy and Me were on a XXXX way call with Capital One, they refused to even try and pull up info on this person that was Stealing my money, even tho bank had already confirmed the Legal Name, all the detective wanted was to get a date of when the criminal had opened the Capitol One Acct. I am still waiting for Capitol One to refund my money back to me even tho we have taken every legal step, it's apparent that if your a criminal that you have more rights and protection than any of us, when Capitol One excepted these payments? they didn't even have the consideration to attach any sort of Acct number, which means??? We had absolutely no chance, cause all they would do is say " if you don't have the Capitol One Acct number '' we can't help you! Why do they refuse to attach an acct number to these payments?? This is deplorable and avoidable in so many ways!! I'm not rich and I go to work every day and work hard for what I have, and for what reason??? when criminals can easily do what they do and be protected, Good thing I wasn't raised like that and I have Morals, cause I might think of doing the same and steal money with XXXX consequences ( did I mention? criminals have protection? ) disgusting!!!
Product: Debt collection

They are trying to state my debt validation letter was a payment plan. The letter clearly does not state anything about payment. They violated my rights. I want full removal of trade line. No where indicates payment plan. They misrepresented everything I sent to them to fit to their agenda.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bank is showing an open account with a balance of {$6300.00} when the account should be closed. I do not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested METHOD OF VALIDATION from XXXX, XXXX, Experian for the following accounts and never received the requested information only automated VERIFICATION from an XXXX  system. 

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 Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Product: Checking or savings account

Bank of America recently added XXXX XXXX XXXX to their online banking and with out my knowledge or authority a unknown person hacked into my online banking accountant and swiftly transferred all the available funds remaining in my checking account. I became aware of this {$1500.00} transaction on XX/XX/XXXX around XXXX and immediately contacted Bank of America 's Fraud/Claim 's department and they put a hold on the account to review the claim. After waiting beyond the 10 days they promised to do the review of the claim, they stated on XX/XX/XXXX after i contacted them, that the claim was denied. It is unclear the extent of the investigation they did on the claim but it was denied. At the beginning of the claims process Bank of America was informed that my Employers computer system was compromised with Ransom-ware and most likely the cause of how my online banking account was hacked into.
Product: Mortgage

Seneca Mortgage company called me and requested that I pay {$750.00} immediately or my mortgage would go into foreclosure. They said they forwarded letters to me but I did not receive them. I called them and they informed me that I was also over {$6200.00} short and that my mortgage would go up over {$3500.00} to {$4300.00}. I paid the requested amounts ( XXXX of 2015 ) but still wanted to know where the escrow shortage was. It appeared to me that I was paying off the flood and home insurance and hence requested that they remove the these amounts from the mortgage payments. They did not agree as I had signed for these payments to be calculated with the mortgage payments. I agreed but still did not understand the why there was such an escrow shortage. After multiple correspondence the last letter ( attached ) shows the only shortage was in the real estate taxes and that was only {$1700.00}. I have received no payments despite multiple requests to refund the overpayments. 
Also despite paying the said amount my mortgage still went up from {$3500.00} to {$3600.00} since XXXX 2015
Product: Mortgage

I spoke with my loan officer XXXX XXXX mls # XXXX after my appraisal came in. I requested that my appraisal be appealed and she sent me the forms to start that process. After I submitted the forms, weeks went by and I haven't heard anything from her. She sent my application up to underwriting without attaching the appeal letters, causing Navy Federal to deny my mortgage application. She informed me that I should apply again and hopefully get someone else to do my application. XXXX was very unprofessional about handling my business and she should be terminated from Navy Federal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a XXXX XXXX XXXX  on my credit report, filed on XX/XX/year>, under reference number XXXX. According to my records and a recent conversation with the XXXX court, they confirmed that they do not report to TransUnion or any other credit bureau. This indicates that the information listed on my credit report is erroneous and not substantiated by any legitimate source. Details of the disputed item : Classification : XXXX, Type : XXXX XXXX XXXX Responsibility : Individual, Reference Number : XXXX, Date Filed : XX/XX/year>, Asset Amount : {$0.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and verifiable. Since the XXXX court does not report such information, this entry on my credit report is unverifiable and must be removed immediately. I request that TransUnion conducts a thorough investigation into this matter and removes the inaccurate XXXX XXXX XXXX from my credit report. Please provide documentation and evidence that links this XXXX filing to my credit report, or promptly delete this erroneous entry. I expect a prompt response to this matter and an updated copy of my credit report following the removal of this incorrect information. Please contact me directly at the phone number or email provided above should you require further information or documentation from my end. Thank you for your immediate attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have printed my report from XX/XX/19 and XX/XX/19. There are no difference in the two, but yet my score dropped 128 points in 1 day! Everything is exactly the same on the reports but no one can explain why the drop. This is unacceptable.
Product: Credit card or prepaid card

On XX/XX/XXXX Discover Credit card company called my 2 accounts, my one account ending in XXXX which I had for over 4 years was closed, and my newest account ending in XXXX was closed also, Discover claimed it pulled a credit report from XX/XX/XXXX from XXXX XXXX and on this report they claim I had 3 collections and that they choose to close my good standing account which I was never late and paid in full monthly for over 4 years! When I contacted Discover to inform them, that this is a mistake on my credit report, they refuse to look into the matter and reconsider, what really had my upset, is one my account ending in XXXX I paid this account in full, and was never late, and they closed my account without warning, damaging my credit report in the process. In account ending in XXXX this was a secured card, that I actually graduated from with their step program and was awarded to unsecured, and then they turn around and closed my account anyways without regard to the consumer! The credit report they pulled from XXXX XXXX doesn’t show collections on my report! And the information was either a mistake or outdated! No one from discover called prior to it being a issue and no warning was in place for me to respond to them about their concerns. My credit is great now! And it’s in jeopardy because Discover closed my oldest accounts without warning!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon the investigation of these accounts the company EXPERIAN, XXXX, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXXXXXX XXXX XXXX XXXX 2- XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and noticed a medical collection from XXXX XXXX XXXX, which has negatively impacted my credit score. However, I did not receive any formal notification via mail regarding this debt. On XX/XX/year>, I sent a Debt Validation letter ( see attached ) requesting more information about this debt. On XX/XX/year>, I received a response ( see attached ) with a printout from Pendrick Capital Partners , LLC regarding the alleged debt. However, the letter I received refers to a " debt verification '' rather than the validation I requested. 

In my original letter, I clearly stated : " ... a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for 'verification ' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. '' I have no affiliation with either XXXX XXXX XXXX or Pendrick Capital Partners , LLC. Please be aware that I requested " validation, '' not verification, of the debt reported to XXXX, XXXX, and XXXX by the original creditor and collection agency. The response I received is a clear violation of my rights under HIPAA. 

XXXX XXXX and Pendrick Capital Partners , LLC did not provide me with a HIPAA release form that would permit them to access or disclose my medical information. By sharing such information without my consent, they have violated my HIPAA rights. I am now prepared to take legal action against the original creditor and collection agency if this item is not deleted from my credit report within the legally required timeframe. I will pursue all available legal remedies, including filing a lawsuit against the credit bureau responsible for reporting this violation. 

Please take this matter seriously, as I have documented the situation thoroughly. I expect a prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO 97 % IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX, XXXX, XXXX AND XXXX AND ALSO XXXX, XXXX AND XXXX. NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.
Product: Credit reporting or other personal consumer reports

Im submitting 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
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 
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: Credit reporting

There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted this agency via certified mail to report that I had fallen victim to identity theft. However, as of today { XX/XX/2024, the agency continues to report information that originated from the identity theft incident. According to Section 605B, which pertains to blocking information resulting from identity theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that the information in question XXXX be linked to identity theft and that an identity theft report has been filed. I am providing the agency with another FTC report number XXXX, along with a requested block. 
Upon receiving such notification, Section 623 ( a ) ( 6 ) mandates furnishers to block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft within XXXX business days of receiving : XXXX. ) suitable proof of the consumer 's identity ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of the information by the consumer; and ( XXXX ) a statement from the consumer confirming that the information is unrelated to any transaction they initiated. 

I fulfilled all XXXX requirements and will provide evidence with this complaint. However, the agency has failed to meet the requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the identified information within the stipulated XXXX business days of receiving notification. This failure constitutes a violation of the law, and the agency is civilly liable to me for willful noncompliance under 15 U.S. Code 1681n for any actual damages I have incurred as a result of this oversight.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXXXX XXXX XXXXXX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Debt collection

I have a collection on my report from a collection agency called XXXX   XXXX who claim to be collecting for XXXX XXXX. I contacted XXXX XXXX bc I have no knowledge of the account. I informed them that another collection agency is also on my report who claim to be collecting for the same debt and that collection agency is XXXX XXXX XXXX. I inquired how they could be collecting for the same debt that I know nothing about. XXXX does not even have a tradeline on any of my credit reports. I was advised to submit a dispute as well as file a complaint on both collection agencies. I have already submitted for XXXX XXXX XXXX and this complaint is for XXXX. This company is using illegal tactics to get consumers to pay collections that they clearly do not own or were not assigned to. XXXX XXXX has yet to properly validate the debt according to the FDCRA. These collection agencies are breaking credit laws and I will not hesitate to sue for defamation and smearing my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file.
Product: Checking or savings account

I kept getting unauthorized charges on my account and overdraw fees on top of those charges and when I would dispute the bank would not refund the overdraft charges on those charges leaving me with a big balance
Product: Debt collection

Wells Fargo has repeatedly stated that they never owned the mortgage or the note and only serviced the loan. Wells Fargo has stated they do not know who owned the loan during the time they serviced the loan. This is information required by law to be shared with the homeowner.Federal legislation passed in 2009 ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in 2010 also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. As the homeowners we have the right to know who the owner of the loan was at the time of servicing by Wells Fargo Home Mortgage. We have the right to know where the payments were being applied. Wells Fargo has stated the loan was transferred to XXXX XXXX XXXX XXXX XXXX in XXXX. Only the OWNER of the loan can legally transfer or sell the loan to another party. Who gave Wells Fargo Home Mortgage the authority to transfer or sell the loan to another party? Wells Fargo claims to not know who the owner of the loan was at the time they serviced the loan. That would mean the payments were either not properly applied to the balance or Wells Fargo was servicing a loan that never existed in the first place. A class action settlement against Wells Fargo states that the loan was paid in full. A letter from XXXX states they purchased the loan from Wells Fargo. Wells Fargo claims they did not sell the loan, yet all information says otherwise. The loan was paid in full. ISSUE a satisfaction of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In this complaint there are accounts listed on my credit file that are NOT mine. Those that are mine have late payments and not once have they been late. Unauthorized hard inquiries I did not sign or give permission to pull my credit. All I require to be removed. No one including the credit reporting agencies were giving my permission or signed consent to list any of it on my credit. 

Permanently remove : 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 Unauthorized inquiries to remove 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: Money transfer, virtual currency, or money service

I Opened up my Cash app account back in XXXX  and had been using the account for my main source of income and to make payments it was used for everything I then XXXX day out of nowhere they just closed my account stating that I didnt follow their disclosure agreement and it just happened suddenly and I dont know what happened I never got an explanation I didnt violate anything at all for this to happen I asked for information and they refused to tell me anything they held my money for weeks before releasing my funds bank account suffered due to this because my XXXX  account was closed due to this
Product: Debt collection

XXXX XXXX Ref # : XXXX, XXXX XXXX ( sp? ) of Lamont, Hanley & Associates , Inc. communicates in a most unprofessional and abusive manner, using veiled threats and insulting the intelligence and professionalism of lower level employees who happen to answer the phone ( who have no access to the billing information he is looking for )