23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I requested a debt validation claim consisting of XXXX items. By XX/XX/year> I reached out again because I hadn't heard back from them. They responded by saying they don't have any information about the debt I was inquiring about and gave me an XXXX number to call. I contacted the number and requested another debit validation claim ; still nothing received. I provided my contact information to make sure they could reach me and still nothing no information provided. I've been requesting this document to date and it seems they are intentionally ignoring my request. I am trying to gain further clarification regarding this debt, as I am confident it does not belong to me. However, they have been unwilling to cooperate and share the information I need to move forward. 
NOTE : I have been informed by the bank that they are unable to locate the account referenced in my request. It appears they have communicated the same inability to you regarding my complaint. Despite this, the account, which they claim is inaccessible, has been marked on my credit report. I have contacted them twice by phone previously, and they assured me that they would send the requested information. However, nearly XXXX months have passed, and I have yet to receive anything. It seems I am being given the runaround. 

FDIC case # XXXX Consumer Name : OppLoans Reference Number : XXXX Consumer Contact : ( XXXX ) XXXX | XXXX Mon - Fri : XXXX - XXXX ( Central Time ) Sat : XXXX - XXXX ( Central Time ) XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX IL XXXX. I called on XXXX and spoke to someone in the Escalations Department named XXXX XXXX, and I asked for the documents again. He told me that I could go online and get the documents, and I told him that I don't even know who he is and do not have an account with them. He said he would speak to his supervisor, and call me on Monday. I was sick, so I called them today, and I spoke to XXXX XXXX once again. They said that they could not help me. They told me to change the email address and log into the account that does not belong to me online. I told them I did not feel comfortable with that at all.
Product: Credit card or prepaid card

I have been a customer in good standing with Capital One for quite some time. In XXXX of XXXX  my email accounts and personal information was hacked. The hackers immediately accessed my bank accounts and credit card accounts, specifically Capital One by taking over the mobile app, setting up additional user names and using the virtual card to make fraudulent purchases. The hackers also used my bank account to make payments to Capital One I order to unlawfully use the virtual card. Although I have reported this to the XXXX XXXX and other law enforcement, however the hackers still are doing it. I have had several replacement cards from Capital One due to this and I have spent days attempting to get the hackers out of my account. 

Due to the hackers accessing my accounts and making payments on my credit card, I have had payments returned which is why Capital One closed my accounts I believe wrongfully. Each time the hackers accessed my accounts and made the payments I did not authorize I immediately made the payment after it was returned. After determining how the hackers were accessing my accounts I removed all online access and now have a bank account at a credit union without online access. The hackers have not hacked this account. Going forward if my account is re opened I can assure Capital One the payments made will not intercepted by the hackers.
Product: Payday loan, title loan, personal loan, or advance loan

Original balance XXXX XX/XX/2023 current balance XXXX XXXX XXXX monthly Payment XXXX = XXXX plus returned items totaling {$800.00} Reporting Predatory lending the Original Creditor is not Showing on the credit report and balance has not been changed from initial use and returns made regardless of the payment made the installment is not being paid down
Product: Credit reporting or other personal consumer reports

Dear Bank of America, Bank Account XXXX XXXX Dear Bank of America, This letter serves as a Formal Notice of Claim regarding a blatant and unacceptable breach of the terms and agreement governing my account with Bank of America. Your institution has flagrantly violated the contractual terms by unlawfully disclosing my personal and private information, including my transaction history, to a non-affiliated third party, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 

Basis of the Claim Your actions are not only a breach of contract but also an egregious violation of my privacy rights. Specifically : Bank of Americas False Claims : You have provided me with written documentation asserting that no information was reported to XXXX XXXX This statement is demonstrably false. 

Irrefutable Evidence : I am in possession of a full report from XXXX XXXX XXXX that includes my personal information and transaction history. This proves that your institution has knowingly or negligently provided my private data to a non-affiliated third party in direct contravention of our agreement. 

This unauthorized disclosure is not only a breach of trust but also a severe violation of applicable privacy laws. 

Immediate Demands As a result of your gross misconduct, I am making the following demands : A monetary settlement of {$10000.00}, which reflects a discounted resolution. Be advised that I am entitled by law to {$1000.00} per violation, and this demand is a courtesy to avoid further escalation. 

An immediate written acknowledgment of the breach and a guarantee that such unauthorized disclosures will cease henceforth. 

A detailed explanation of how this breach occurred and what steps Bank of America will take to rectify the situation and prevent recurrence. 

Consequences of Non-Compliance Bank of America has exactly 10 calendar days from the date of this letter to provide a satisfactory written response and a settlement offer. If I do not receive an acceptable resolution within this timeframe, I will take the following actions without further notice : File a lawsuit for breach of contract and violation of privacy rights. 

Pursue additional statutory damages for every violation documented. 

Report this matter to relevant regulatory authorities, including the state attorneys general. 

Let me be clear : the evidence in my possession unequivocally establishes your liability. Any attempt to deny or deflect responsibility will be met with the full weight of legal action. 

Supporting Documentation For reference, I am prepared to provide : Documentation from Bank of America falsely asserting no information was reported to XXXX XXXX 

A full printout from XXXX XXXX XXXX detailing the unauthorized disclosure of my personal data. 

Please direct your response to the address or email provided above. This matter demands your immediate attention and action. I expect a prompt resolution that reflects the seriousness of your breach and adequately compensates for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CITICARD CBNA card with my brother. The account has been paid in full and CITICARD has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports CITICARD CBNA are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and XXXX  are negatively impacting my ability to obtain that mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and LVNV funding ( RESURGENT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed
Product: Checking or savings account

I am a co-executor for a relative 's estate. The Estate has maintained, and continues to carry, substantial deposit balances with Peoples United Bank. On XX/XX/XXXX, I sent an email to the bankers who handle my account to transfer {$130000.00} from the Estate savings account to the Estate checking account to cover several tax payments, including a {$110000.00} tax payment that would be auto debited from the account by the IRS on or about XX/XX/XXXX. For some reason, the bankers decided to make the transfer on XX/XX/XXXX, four days after my instructions, and two days after the IRS attempted to debit the account for the payment due, which was rejected for insufficient funds. I have made repeated requests to my bankers for an explanation, and none has been forthcoming. The IRS has sent a letter seeking penalty fee and interest on the rejected payment, and I have forwarded that to Peoples stating it is the bank 's error and they need to correct it. Again no response. Curiously, they have tacitly admitted their error by crediting back the {$37.00} overdraft fee that was initially charged. The incompetence and arrogance is frankly breathtaking. I can only imagine how they treat smaller account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Equifax requesting an investigation of a Chapter XXXX   Bankruptcy that is being reported on my credit file as I was affected by the Equifax security breach. On XX/XX/XXXX I received and maintain a copy of the certified receipt verifying that my request was received by Equifax. Per the FCRA section 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to complete their investigation. I received no response from Equifax. On XX/XX/XXXX I sent another letter making Equifax aware that they are in violation of the Fair Credit Reporting Act by not completing the investigation within the 30 day time period.

On XX/XX/XXXX Equifax responded stating that the information was verified and is being reported accurately.
Product: Checking or savings account

On XX/XX/XXXX we contacted advisor XXXX XXXX at Wells Fargo for help with an XXXX  and he directed our XXXX son to open an intuitive account. Our son had no understanding what that meant, and it landed him into a robo trading account where we caught it was trading the $ XXXX. We immediately contacted XXXX and he claimed there was nothing he could do, and we need to contact client support on XXXX where they agreed to sell the account. However, they refused to close the account or move it to a proper XXXX shell account. They have had us come in now twice to have documents signed and notarized. We have a case with a XXXX XXXX who claims the forms she sent over for us to sign to finalize the XXXX  transfer over a month ago are now incorrect after several trips to a XXXX branch to have the licensed advisor XXXX XXXX validate the forms are really not equipped to support clients with legal document proofing. 


Below is an email we received on XX/XX/2022 Please accept my apologies again for the less than desirable experience you have encountered thus far as it relates to a smooth and successful XXXX XXXX XXXX Account ( XXXX  ) opening. As I XXXX have stated during XXXX of our phone conversations, our XXXX Advisors are not experts with the account opening procedures and they are probably even less informed with maintenance documents required once an account is opened. 

XXXX XXXX ext XXXX I was reviewing your situation today and found that the paperwork we do have that would allow you to trade on the XXXX XXXX  is not in good order and unfortunately at least XXXX form will need to be notarized again due to that form not containing your Drivers License identification information and phone numbers. All fields of the Third-Party Authorization and Indemnification ( TPAI ) Form are required to be filled in. Additionally, this form is required to be accompanied by a XXXX Account XXXX XXXX. 

I have pre-filled both forms for you and they are attached to this email. All we will need is to have section XXXX on the XXXX form completed and we will need to obtain the appropriate signatures and notarization. I did try to see if we can receive an exception for these requirements, however, due to the end of the year workloads each of our departments are experiencing right now, I dont think I will receive an answer very soon and even if we do receive an answer in the next few days, I dont expect that they will XXXX the exception. The XXXX Account XXXX form will require your signature. 

As always, if you have any questions, please do not hesitate to contact me at XXXX ext. XXXX. I will be leaving the office today at XXXXXXXX XXXX. XXXX XXXXe, but I will be available tomorrow morning at XXXXXXXX XXXX XXXXXXXX XXXX. I did have maintenance performed on my work phone application the other day ; it appears to be working now. 

Thank you for your patience and understanding,
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Experian is in several violations of the FCRA and METRO 2 COMPLIANCE for not conducting a proper investigation and REMOVING an account on my consumer report furnished by the company XXXX XXXX I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed account referenced which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. I have included a current photo copy of the account they did not furnish a notice of dispute within 30 days, as well as no bank statements shown by the creditor KIKOFFLENDING that furnished late transactions on a closed account. Experian needs to remove the following account from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which Ive included all my notices sent to them in the attachments below!
Product: Credit reporting or other personal consumer reports

I reviewed your credit reports and discovered that I had been a victim attempted identity theft. This resulted in many unauthorized injuries that were made without my authorization, authority or knowledge. These are identity theft. 
The injuries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information
Product: Debt collection

Diversified Adjustment Service Inc is collection agency reporting an account on my XXXX  and XXXX   credit reports. On XX/XX/2020, I sent them a certified letter requesting they validate the debt by providing written proof of the debt and their right to collect it via postal mail or immediately delete the debt from my credit reports. They received my certified letter on XX/XX/2020. On XX/XX/2020, I received an email from their representative that did NOT include the requested validation information, thus failing to validate the debt. I insisted she immediately delete the debt from my credit reports. As of today, Diversified Adjustment Service is still reporting the debt. Because of this, they are in violation of the FDCPA and illegally reporting un-validated, negative information on my credit reports.
Product: Credit card

I am unable to make an Apple purchase with an Apple Card. Goldman Sachs indicated that my account was fully unlocked and able to be used. The purchase still did not process. GS representative then stated I have to wait 24 hours. I asked why, and they said for the security of the account. I asked what the security problem was, and they responded It is an internal procedure. 

GS disabled the account without any fraud, and have cut off access with no provided reason.
Product: Debt collection

I received a phone call from Midland Credit Management stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.
Product: Credit card

On XX/XX/2023, I received a notification about possibly fraudulent activity on my US Bank credit card. I immediately called US Bank and shut the card down, and reviewed transactions which had been made that day. The first fraudulently made charge was at a XXXX, and there were several others that did not go through. Two fraudulent transactions did go through- one for {$36.00} at the same XXXX XXXX and one for {$80.00} at a XXXX XXXX and XXXX XXXX . US Bank is refusing to nullify these fraudulent transactions, as they show them as being made using the chip on my credit card.
Product: Bank account or service

I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report and multiple times a Macys account continues to report. All credit bureaus remove the account from my report but XXXX added it back on. They already investigated this matter and removed it but added it back on.
Product: Debt collection

1. Portfolio Recovery Services ; re : XXXX  XXXX XXXX  calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe XXXX XXXX some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX XXXX XXXX, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  IXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I put down a " deposit '' ( actually was a fee ) for {$500.00} dollars as it was required to start my loan. Halfway through the loan, a few days into verifying my income, they came back with a " counteroffer '' because they said my income was lower than reported before they had even finished validating my income. I told them this was not correct and what they were doing is wrong to try and change loan terms before validating income. A few days later after they tried to give me a sub-par loan with the counteroffer, they validated my income as what I had originally told them it was, but this experience where they tried to lower their loan terms on me did not seem ethical. I imagine they do this to many of their customers and it is going to adversely impact the quality of loans given to those with non-traditional incomes or those without a lot of financial confidence ( first-generation wealth for those who had been impacted by poverty comes to mind immediately ). After they did this to me I was worried my loan would not go through and they would try and scam me with this counteroffer proposal so I started engaging in new loans. I found a better loan and wanted to get away from this shady company that tried to scam me. When I informed them I wanted the deposit back and to cancel the loan, they told me because they canceled my loan ( at my request ) they could not refund the deposit. So in the end they did the thing that would allow them to keep my money when I was asking for the opposite. Very shady company and think incidents like these should be investigated further especially regarding discrimination as I would imagine their unethical practices are strongly impacting XXXX and other ethnic minority borrowers whose families only recently made it to the USA and are not sure of all of the rules. Chase will take advantage of their lack of experience in the US financial markets while having issues " validating their income '' and give them sup-par rates and loans to make a quick buck due to their inexperience.