23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received summons approximately XX/XX/XXXX from county regarding credit card debt collection via XXXX XXXX I, XXXX XXXX, represented by Javitch Block Llc for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from XXXX XXXX regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted XXXX and was instructed to contact Javitch Block Llc. Spoke with representative at Javitch Block Llc on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor XXXX but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX on XX/XX/year> : {$680.00} I tried to dispute but with no avail Im not aware of the account and this is fraudulent. 

I also disputed XXXX XXXX XXXX XX/XX/year> : {$3600.00} I am unaware of this collection, the dates of activation is unclear and I have no clue where this collection comes from it's fraudulent and I was unsuccessful in my attempt to dispute through experian.
Product: Checking or savings account

PNC Bank is not complying with Regulation CC, a federal law governing check holds. On XX/XX/year>, I deposited an {$8500.00} check at XXXX XXXX. At no point during the deposit was I informed of an extended hold on the funds. I expected the funds to be available the next day, but they were not. 

Upon contacting PNC customer service, I was informed a hold had been placed. I never received any written notification of this extended hold, as required by Regulation CC. Furthermore, PNC has failed to release the initial {$220.00}, which should be available the next business day according to the regulation.
Product: Mortgage

As XXXX time home buyers we were unaware that the acts of the lender/broker were predatory in nature and violated several real estate laws/protection acts. We only recently became aware that the lender has violated every aspect of T.I.L.A./The real estate settlement procedures Act and all other laws covering real estate. We had no idea the C.F.P.B. was available or we would have filed a complaint long ago. Everyone needs to be aware of all laws/rules when buying a home. There are more scavengers then Wells Fargo out there. Interest was set at 11 % + but changed to over 14 % on the morning of the closing. We were distressed financially at the time of application and were shocked the loan was approved. We had problems paying the mortgage within three years. We filed for federal chapter XXXX bankruptcy in XX/XX/XXXX and paid it in full. It was discharged in XXXX. This was filed the United States Bankruptcy Court XXXX Pennsylvania case number XXXX paid in full and discharged on XX/XX/XXXX. During this time all past due payments/interest were paid in full. Lender was not allowed to charge any additional fees/interest/misc charges during this time. They did ... If the misapplied payments had gone to principle instead of excess fees/interest the loan would be paid in full and then some. To date lender has not and will not provide anything to show where payments went and how applied. We spent five years with no money to bring this mortgage current and stop the massive interest and uncalled for fees to end up owing as much or more then before. Now lender is trying to foreclose and still can not prove to us that we really owe anything. Now their original claim that we owed {$12000.00} has grown to over XXXX. Had the lender provided the requested information with any real money owed to them we could have paid it off. Now they are stalling and trying to proceed without providing us the proof contained in the payment and how applied history. The loan servicers were never made aware by the mortgage owner that the loan was in bankruptcy so they could charge correct interest and credits. We have been stripped of any benefit ordered by the Federal courts. Lender also proceeded with a foreclosure action while we were being considered for a loan modification. They have failed to provide proof that they have not made errors in accounting and they ca n't. We do n't owe Wells Fargo/XXXX/XXXX/XXXX or whoever they are now anything on this property or anything else. We have way to many documents to scan and attach, including the original loan agreement showing 11 % interest and dated a few days before the closing. The lender, seeing all documents, would give them time to prepare lies to show as evidence. This way I can show their errors and misrepresentations in court if needed and they have already committed themselves to a story. We are only allowed one option below but there are real, provable issues with all parts of this mortgage from start to now and continuing.
Product: Credit reporting or other personal consumer reports

My social security number was released in a security breach. 

I went online and froze my credit reports with both XXXX and XXXX in less than 10 minutes.

When I attempted to freeze my account online with Equifax, Equifax told me that I had incorrectly answered its security questions, which were incredibly obscure. Because I no longer have records of some of the closed accounts that Equifax was asking about, I decided to freeze my credit report by letter.

As a consumer lawyer, I read the instructions very carefully, and submitted ( 1 ) a signed cover letter ; ( 2 ) a copy of my driver 's license and a copy of my W-2. Although both copies were " fresh '' ( i.e., either printed directly from my computer, or the first copy of the document, as opposed to a copy of a copy ), Equifax sent me a letter stating that my document were illegible and that I needed to resubmit my request. The assertion that the documents were illegible is a blatant falsehood.

I don't expect you to resolve this problem for me. But I would ask that you make a record of this complaint because it is clear that Equifax is intentionally making it unnecessarily difficult for consumers to freeze their credit reports, placing consumers at tremendous risk of financial harm solely to maximize Equifax 's profits.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Back in XXXX of 2019 you helped me with a problem I was having with American Express and a fraudulent use of my credit card. That case # is XXXX. American Express cancelled my credit cards even after I notified them that the charges were fraudulent. They responded shortly after you contacted them on my behalf and in letter dated XX/XX/XXXX stating that they would investigate the fraud and report back to me. I received another letter on XX/XX/XXXX stating that they would send me my communications by mail to my address - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. To date, I have not heard from them. I suspect that they fully know that they wrongfully terminated my accounts and are reluctant to admit such. Any further help you can provide to help me repair my credit standing would be greatly appreciated. Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello, I have discussed this issue at length with Capital One representatives and they refuse to offer any extra grace but one late fee removal. My problem with paying this balance is that I was under the impression that I was receiving a {$2500.00} loan at 0 % fee, 0 % interest for 12 months. However, the transaction did not go smoothly and I had to request not one, but XXXX reissues of the {$2500.00} before it actually was processed into my other bank account. 

The process started XXXX when I downloaded their mobile app, which led me to the 0 % APR/ no fee loan offer. I completed the loan process online but a few weeks later when the money still hadn't been issued to my bank I reached back out to Capital One where they told me they would reissue the check. Again, weeks go by and the money doesn't show up, so I call Capital One again, they cancel the check and reissue it. This time is goes thru, officially on XXXX XXXX according to the receiving bank. 

In XXXX. I receive a bank statement that includes interest charges, which I was not expecting... so I call Capital One again, they say they only reissued the check one time, meaning the first transaction through their app wasn't properly accounted for and the offer I thought I had received was actually never a thing... So begins the blame game... 

I pay off the amount in the statement with interest, expecting to be done with their games. But the next month another bank statement comes in saying that I owe interest for the time between the end of the last statement and the payment I made to clear the statement. At this point, I'm frustrated to the point of non-compliance and I refuse to pay the extra interest without explanation as to how the offer was so poorly executed. I have talked to different representatives at least once every month throughout this ordeal and none can prove that I had created the loan through the app before I called to get the check reissued. 

This is a serious concern to me and I hope that they are held accountable for the transactions they process thru their app. It cost me a lot of time and at least {$60.00} of interest so far, with new charges totaling over {$120.00} now with the exrta intererst and late fees they've added. I hope we can work on settling this soon, but my last contact on the phone apparently went " as far up as they can go '' and ended with a filing of my complaint. 

I believe they should either prove to me that I submitted the loan app through their app and if so I will pay the remaining interest they expected, however, I do not feel that I should be responsible for any of these late fees as I've paid a good faith amount and have just been trying to figure out what the problem was in this since then. 

I need help getting them to work on a settlement with me as the last contact ( the " end of the line '' representative ) said that they would not remove any other fees and I do not think they deserve to get that money. Please let me know what can be done to resolve this. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant  treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX showing XXXX XXXX XXXX XXXX in collections and stil la balance
Product: Credit card

- Account with FNBO had a balance of {$4900.00} with a payment due date of XX/XX/year>. 

- Payment in whole was made on XX/XX/year>. Account now has a XXXX balance. 

- FNBO is still attempting to pull the full amount despite the account having a XXXX balance. Customer service was contacted on XX/XX/year>. Response from FNBO was that they can't stop/cancel and upcoming auto-payment, despite the account having a XXXX balance. 

- FNBO further replied that they can only reverse a payment after a full XXXX  days. FNBO essentially gets to hold on money not owed, for extra time. Meanwhile, customer 's external bank account is potentially over-drafted due to customer being responsible and making full payment ahead of time. 

- Note : " XXXX '' in escalation support management spoken to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about this issue for several months to Equifax and they refuse to correct the issue. I have properly followed the steps in both written disputes and I hand telephoned equifax multiple times for this ongoing fault of equifax where their online app will not allow me to retrieve my credit report score. 

Review the document attached, and you will clearly see where Equifax states again and again and again that it is temporary unable to provide my credit score. 

This has unchanged for several Months and I am advising Equifax that they are officially on notice that they are violating my rights and if it is not corrected swiftly that I will sue Equifax for violating my rights for several months without any corrections of this complaint whatsoever during those months of filing disputes, not one time has it properly provided my credit score to me. 

You are on notice.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Capital One is refusing to acknowledge a fraud claim I submitted in XX/XX/2019. I reported fraud and they didn't do a full investigation. I received a letter XX/XX/2019 stating there was no indication of fraud. I have reported this matter to the XXXX Police Department and do have a Dc #. I in my sixteen years with Capital One never one have taken a cash advance out, and never will at 27 percent APR. 

I found out after calling Capital one back and speaking to someone I could understand that someone called a asked for a duplicate card ( THIS WAS NOT ME ) on XX/XX/2019 at XXXX to be sent to the billing address ( MY MOTHERS HOME ) The duplicate card was sent Via : XXXX   XXXX Overnight No Signature to the billing address and delivered to the front door on XX/XX/2019 at XXXX. I never ordered this card. Whoever did stole it / intercepted it and went to XXXX XXXX the next day. 

On XX/XX/2019 the thieves went to XXXX XXXX Bank at XXXX and took out a inside cash advance of {$2800.00} dollars. 

I have spoken to Capital One on several occasions and have gotten nowhere. I am waiting to get the police report to send to Capital One in hopes they will open up another investigation. Capital One never asked for Video from XXXX XXXX for the date of the crime ... they do not hear me when I say i was at work with proof I was there on the day and time of the crime. I understand the detective has been unable to get information from Capital One. 

I want to add not only have a been a customer with Capital One for sixteen years. I have never missed a payment on any credit card / car loan / mortgage etc. My credit score is exceptional  along with ever account I have. I would have no need to take a cash advance out at such a high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as lexis nexis
Product: Debt collection

Credit management, Added a debt t my credit file, but I have not received any correspondence for me to verify and establish his debt as a verifiable debt. They added to report when they new i never new about a debt that I have previously paid and closed out with XXXX. Per, Fair credit reporting I have this right, and to add to my credit report like i don't want to care of a deb shows tactics that are not in fair crediting reporting act,
Product: Debt collection

Credit Fresh called HR Department trying to reach me and left a message with my employer 's VP of Human Resources that forwarded the voicemail to me. My employer now knows I have a debt collector trying to reach me at work and may have adverse effect on my continued employment with my current employer. I contacted the collector at XXXX ( XXXX ) XXXX and told them to never contact my employer or me at my work again yet they repeatedly continue to call.
Product: Credit card or prepaid card

Dear Consumer Finance Protection Bureau, I am writing to report that it appears Capital One has presented a false appearance of resolving this issue to the CFPB. Once the CFPB case was closed, Capital One reversed all corrective actions it had made after acknowledging and implementing the resolution.

Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law.

On XX/XX/XXXX I received a letter from Capital One ( See attached Exhibit 1 ). Capital One stated that the charges would be removed and their apology for my inconvenience, which was done.

On XX/XX/XXXX, the CFPB case was closed.

OnXX/XX/XXXX & XX/XX/XXXX the Capital One resolution actions were reversed.

On XX/XX/XXXX, a certified letter ( See attached Exhibit 2 ) was sent to Capital One and received on XX/XX/XXXX explaining that Capital Ones actions in this matter appear to rise to the level of negligence under Arizona case law. I have received no response.

Capital One, through their agents was party to the fraud perpetrated against me. Acknowledging this is not the typical fraud case and the types of fraud is growing at an alarming rate, Capital One should have alerted me of this possibility and should re-implement the corrective actions by removing the fraudulent charges and associated interest and fees.

Thank you in advance for your prompt assistance in getting this issue resolved.