23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alliant Capital Management LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Is harassing me about a debt that does not belong to me. They are trying to collect a balance of {$6200.00} on a credit card I have no knowledge of and have never heard of. Furthermore they are violating CFPB guidelines when sending emails trying to collect a debt. Your company has listed guidelines on what needs to be included in the subject line. They have not followed the guidelines and this is a calculated move on their part. Their goal is to send the emails, have them go unopened, and than sue for a default in the court system. Alliant Capital Management LLC has also violated the FDCPA guidelines and laws about disclosing the 30 day window to dispute and request verification. Their email doesn't contain any of the required language. They have never mailed me a traditional letter in the mail. This is email is their first contact. Their email also contains a false statement, misrepresentation, and deceptive statement. The email was sent on XX/XX/XXXX. And states I have until XX/XX/XXXX to dispute. That is 40 days, not the 30 days required by law. They are hoping I dispute past the 30 days so they can win a default judgement against me. This company needs to be shut down.
Product: Debt collection

On XX/XX/XXXX at approx. XXXX in Illinois XXXX I received a phone call from someone stating they were calling to collect on XXXX XXXX XXXX account. The agent did not state they were with Portfolio Recovery Associates until much later in the call when I specifically asked if that was the name of the company they were representing. I believe the agent was intentionally leading me to believe they were calling from XXXX XXXX XXXX. 
The agent also stated they were trying to collect on an account that was last used in XXXX, which is past the statute of limitations. 
I asked to speak with a manager. The manager stated the last date I charged anything on the credit card account was in XXXX. I informed the manager that she is trying to collect on an account that was past the statute of limitations. She then attempted to change her statement referencing a date in XXXX. The information she gave me over the phone was incorrect and misleading. The agent was trying to intimidate me into making a payment in an extremely excessive amount that would not be required by law. 
This company tries to collect on inaccurate balance and even filed a lawsuit in XXXX. The case was dismissed but they are trying to collect on the same debt again. 
When I asked the manager how to stop the contact from Portfolio Recovery Associates, she said I need to settle the debt. I explained I already closed the account and it had been removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX SS XXXX MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX. 

This is the second time I have file a compliant about the followinginformation below. I am requesting that you promptly delete theseaddresses immediately. I do not believe a proper investigation was don efrom my file through your office. PLEASE DELETE THE FOLLWING XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, XXXX, Equifax and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on XXXX it also shows me being late in XXXX on XXXX and XXXX on XXXX. The only reason I cant show you that Equifax also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Product: Checking or savings account

I am not a capital one bank account holder. I use XXXX XXXX XXXX. I stopped at a capital one bank ATM in XXXX LA to check my balance. I accidentally left my XXXX XXXX ATM card in the capital one ATM. Approx. 20 minutes later I realized I had left it and returned to the capital one bank to retrieve my ATM card. I was told by the branch manager that my card can not be returned to me because they are have no way of knowing why the ATM took the card. I explained that the ATM took the card because I left it in the ATM. I was told I could not have my card back and that it would be destroyed at the close of business. I went to my bank to get a new card and was told it will take 2 weeks to get my new card. I was suppose to leave to go out of the state for work in 2 days!
Product: Credit card or prepaid card

I did not close the account. I've had a {$10000.00} LOC with Discover Card since XX/XX/XXXX. It's used every month and paid off every month, never a balance. On XX/XX/XXXX the account was closed. 
They say it was closed at my request, the request was made by mail, they say. 
That never happened and the run-around I've been getting since affects XXXX XXXX it's so bad. 
As a note, the closure took place the same day I called in to Discover to arrange online access to my new, second  card with Discover, a corporate card. 
The Discover crew refused to provide a copy of the mysterious letter or any proof of anything at all. 
I hope the good folks at the CFPB can get that from them. 
I would dearly love to see the document they say exist but refuse to provide. 
Lastly, if you dear reader find the occasion to fight this fight with Discover, know they have a technique of rambling and repeating themselves on the phone ; it's maddening. It will take at least an extra hour of your life that you will never get back.
Product: Credit reporting

Equifax is reporting someone else 's name on my credit report. Has contacting Equifax for over a year. Have not received a response and information is not updated.
Product: Payday loan, title loan, or personal loan

I went to make a payment on my loan and saw a note on door that they are closing early. They had already closed when I got there. The next business day, I called to get my payoff bal. An employee of the company told me {$1200.00}. I was going to go pay but the rep told me they were about to close. The next day I went to pay, but when I handed them the payment, a different rep told me the payoff was {$1300.00}. I informed her that on the day before that they told me {$1200.00} and I was on the way to pay but they were closing. She told me that it was interest accruing.So {$120.00} was interest for 1 day?! She replied yes. I asked if it could be waived in light of the situation and because they had started limiting their hours they were open. Reply was no.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act conversion 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, DEPT OF ED 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 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my TransUnion redit report on XX/XX/XXXX and noticed some things are incomplete & inaccurate. According to the Fair Credit Reporting Act ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681i 5 ; ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

In addition, according to 15 USC 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$7200.00} Date : XX/XX/XXXX XXXX XXXX XXXX {$3200.00} Date : XX/XX/XXXX
Product: Mortgage

on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time. Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with IBM , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.
Product: Checking or savings account

I needed urgent access to the funds in my Discover Savings account XXXX. I initiated a wire transfer at Discover, but instead of transferring my funds out, Discover froze my account and prevented me from withdrawing my money.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. US DIST CT XXXX. Please delete this item ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, 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 XXXXXXXX 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: Mortgage

I obtained an appraisal for my home through my mortgage company Central Bank. I paid {$550.00} for this appraisal on XX/XX/XXXX. Our loan needs to be refinanced by XX/XX/XXXX. 

The XXXX, XXXX XXXX of XXXX XXXX XXXX, took several days to set something up and finally reached out on XX/XX/XXXX to view the home ( a week after payment and requesting the appraisal. He came and saw the home that afternoon. He requested blueprints so he didn't have to measure anything on the home. He did not even step foot on our {$36000.00} deck, nor did he measure it. These measurements were not included in the blueprints I provided him. He also did not walk around the full home and missed many key landscaping components. 

He then did not get the appraisal back to us until XX/XX/XXXX ( over XXXX weeks after the on site visit ). The appraisal came in at {$770000.00}. 

There were comparisons missing and there was no support material behind the credits and deductions he made with each comp. 

I completed a reconsideration form promptly on XX/XX/XXXX with great detail and was met with details that did not make sense or address any of our concerns with the initial appraisal. This was sent back on XX/XX/XXXX with scant amounts of detail regarding to excluded properties, none of which addressed our biggest concerns. 

A few examples of the discrepancies include - a {$2500.00} credit for having a deck versus the comps without decks. Our large XXXX composite deck as mentioned above cost {$36000.00}. I am not sure what type of deck you could build with {$2500.00}, you probably could not build one. He also took over {$18000.00} off of our home just because we have lived in it since XX/XX/XXXX. In addition to this, there were XXXX credits for the upgraded features in our home versus the comps - tongue & groove entrance way, beams, ship lap kitchen hood, custom wet bar in basement, built in entertainment center, much larger concrete patio than comps, custom beams in living room, heated tile floors and jacuzzi jet tub in master bathroom, large custom closet with island and quartz countertop, large natural stone retention wall in backyard. These are all the features that were completely disregarded in our appraisal versus the comp homes. 

Prior to the addition of all of these features, we were appraised at {$750000.00}. With over {$120000.00} in upgrades and additions and a year to appreciate, we were extremely disappointed when the appraisal came back at {$770000.00} with no support behind the numbers. This will negatively effect us because despite having over 20 % in capital into the home, it is only pricing out at 15 % down. This will require us to escrow our taxes and insurance and also pay a Private mortgage insurance monthly payment. The cost of these has added significant stress to our family now as well with a single household income and a newborn at home.
Product: Student loan

I requested the loan details regarding my student loan with Navient in XX/XX/2022. The information received shows that Navient entered the consolidated student loan acquired from XXXX XXXX into their database twice. I am being charged for the same consolidated loan twice. I have attempted to reach their student loan advocate to report the error. I have reached out to customer service without any indication that my report of an error has been received or accepted. 

I have been forced into signing up for forbearance because of the damage is it causing on my credit report. I have been told that my loan does not qualify for any federal protections allowed other students. I have submitted this loan for consolidation with XXXX XXXX. 

I am reporting this complaint because I am exhausted with attempting to get assistance with customer service to correct this error.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX I attempted to open a savings account AT XXXX XXXX with funds from PNC Bank. 

PNC blocked the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you
Product: Mortgage

I inherited a property from my parents. My parents acquired the property a second home in XXXX. They originally signed a mortgage note with XXXXXXXX XXXX and XXXX. XXXXXXXX XXXX sold the mortgage note to Doral XXXX which no longer exists in Puerto Rico because they committed fraud. In XXXX my mother payoff the mortgage note to Doral XXXX. I have copy of a manager 's check. All assets of Doral XXXX XXXX were acquired by Banco Popular de Puerto Rico in XXXX. I went to Popular XXXX  XXXX and they told me they only have documents from XXXX. The problem I have I need to sell the property because I am divorcing and need the money to buy an apartment since the property I inherited is too far away from my job. In order to do that my lawyer needs a letter informing that the mortgage note is paid in full, to start judicial proceedings for a lost mortgage note. I telephoned FDIC and they referred me to Federal Reserve. Federal Reserve answer me telling to contact your agency to solve my problem. Please Help me, I feel like I am a ping ball going agency through agency and nobody delivers.
Product: Credit reporting or other personal consumer reports

Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the XXXX limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations. 

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Product: Credit card or prepaid card

I have repeatedly contacted TD Bank requesting they assist me in disputing 4 unauthorized charges made by XXXX backup service. TD Bank has ignored my calls and letters and have refused to respond to my letters. The data backup company XXXX has made enormous charges to my Cashback credit card for charges I did not make or authorize and I find fraudulent. 
Without a response to my letters and despite my continued dispute with XXXX, TD Bank closed my dispute. XXXX has no answer for me and will not compromise. 
My original purchase with XXXX was for {$19.00} for a two year subscription for XXXX backup service for my personal PC and laptop with hard drives of XXXX. 
XXXX is trying to convince me I have a server farm here at my home and I am using untold amounts of data. 
I want to continue to prosecute this dispute with both TD Bank and XXXX.