23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAVALRY SPV I LLC AS ASSIGNEE OF XXXX, has filed a summons with the XXXX XXXX XXXX XXXX court in Florida. They are suing me for a debt that I do owe to a credit card company. I have never received any form of communication from this " debt collector ''. The only reason I even learned of the summons is because I filed for divorce in XXXX county Florida and I was checking my case. How can someone sue me when they have never sent me any form of communication nit even a phone call. When I found out about this summons, I called the law firm of XXXX XXXX, whom is representing the debt collector. After about a week they finally returned my phone call only to threaten me, by telling me that they will win their judgement against me and when they do I will be ruined and my credit will suffer even worse than it already has and that employers check your credit now so I would have a hard time finding employment. I am a single mom of XXXX trying to put myself through school so I can make a better life for them. I have no car, no job, and we live with my parents. When I explained this to XXXX from the law office she told me to get money from my parents. My parents are having a hard enough time trying to take care of us as it is. I do not have any way of paying them at this time. She told me she would call me back in a week. I have never heard of this company, they never sent me any form of communication about my debt, and now they are suing me. Please help.
Product: Debt collection

i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}
Product: Debt collection

XX/XX/year> XXXX XXXX ACCOUNT # : XXXX Dear CREDIT COLLECTION SVCS, THIS lS A NOTICE TO CEASE AND DESIST. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Debt collection

I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXX XXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( 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

I have attached letter with all incorrect rporting items on my credit report sent to credit report company
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy inaccurately on my Experian consumer report after I have disputed with them for completeness and accuracy in XXXX of 2022. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). Experian should have permanently blocked and deleted the erroneous information on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX  XXXX XXXX Post XXXX and XXXX   XXXX Veteran of the United states XXXX and California XXXX XXXX XXXX Cell No> XXXX and email address XXXX XXXX mailing address XXXX XXXX  XXXX  XXXX  Nv XXXX respectfully request if you can accept and process my latest complaint that I filed with you before concerning the XXXX XXXX XXXX   XXXX  XXXX located at XXXX  XXXX XXXX XXXX Nv XXXX Phone No XXXX. Also the Finance Company that did not investigate this vehicle before financing it called XXXX XXXX  located at XXXX XXXX   XXXX XXXX XXXX  XXXX, Ca.Zip XXXX also XXXX XXXX  XXXX XXXX, Ca. XXXX phone nos XXXX and XXXX  and last the Law office that is trying to still re coup the $, XXXX from the lemon XXXX that the XXXX police illegaly towed after it completely stopped running called XXXX XXXX XXXX  XXXX  XXXX. XXXX , XXXX Located at XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  Az XXXX  Tel no. XXXX Letter from them dated XX/XX/XXXX. Their letter to me states: Please be advised that this law firm represents XXXX  XXXX. Our  client has acquired the outstanding indebtness that was origionally owed to XXXX  XXXX. Others may have owned the outstanding indebtness before our client acquired it. The following claim related to a XXXX    XXXX XXXX  with Vehicle Identification Number XXXX  has been placed with our firm for collection The original acct is #XXXX for the ampunt of $ XXXX  which consists of $XXXX and intrest in the amount of $#XXXX Intrest is accuring on the $XXXX FromXX/XX/XXXXper annum until paid etc. My complaint is that after I was suckered into buying the XXXX after I put down XXXX of my own va XXXX money the car stopped running within 2 months and where it had stopped running on XXXX  in XXXX  nv the XXXX police gave me three minutes to get the car started and off the street or they would have it towed . well they did just that . This happened around XX/XX/XXXXor XX/XX/XXXXwhen I purchased that lemnon. Nevada don't have any lemon laws so I am stuck with this bill which has really damaged my credit score to a XXXX  on all three credit breaus . I cant even get a new car without putting down a huge down payment which I don't have and I need a new or a very descent vehicle to get me and my wife to our appointments etc. I respectfuly request that this be investigated and this negative credit information be removed from all three credit breaus in addition to swift justice being served to XXXX XXXX  XXXX XXXX  XXXX for selling me this piece of junk . XXXX XXXX file no is XXXX. Thank you for assisting me in this matter. Sincerely . XXXX XXXX
Product: Checking or savings account

I have a Capital One banking account checking account to be specific. This happened over a period of time so apparently they were putting pending transactions back into my account when they weren't finalized but they did not inform me that they were doing so. So the transactions were small enough that I didn't really notice and I am one that checks my account numerous times a day. In fact they locked me out of my account at one point for two days because I had logged into many times even after I called I wasn't allowed to access my account. Which given what has transpired I think is an added problem with their banking practices. So they put all this money from the unfinalized pending transactions back into my account over a period of months. All in one day I guess the merchant finalized all of the transactions at once which in turn brought my account under by {$1800.00}. I question whose fault this really is given all these transactions suddenly showed up on one day transactions that had taken place over a month that's separate times there's at least 20 separate transactions from this specific merchant. I had no idea that these were still outstanding because, as I said I was never notified that the money was put back into my account or that the transactions had not been finalized. When I'd look at my account it would show the transactions for up to a week after they were authorized as pending. I did not realize the money was going back into my account. My point is, if Capital One is going to make decisions and are not going to communicate to me that they have put money back into my account so that I'm well aware of the status of my account and the transactions, once they put money back into my account that prior authorization should be null and void and the merchant should have to go through the steps again to authorize the transaction. I am paying for the laziness of the merchant and the non-communication of my bank. The merchant should not be allowed to come in over a month later and finalize those transactions and therefore cause my account to go under by such a large amount. Also of course I had overdraft protection checked on my account the Capital One never allowed any sort of overdraft on my account ever so I think it's pretty shady if they use that as their reason for letting my account go under by {$1800.00} all at once. I am attaching screenshots of the transaction list because unfortunately when you look at my statements it doesn't show all these transactions showing up on my account all on the same day but in the app they did show up all on the same day and not the day they were authorized and there's well over 20 transactions to crypto.com. to sum it all up all of those transactions even though they went back over a period of over a month showed up all at once on my account after the money had been put slowly and increments back into my account when they weren't finalized.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in light of CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate and resolve my claims adequately. Zelle has caused me to experience financial losses over unauthorized transactions. The CFPB has identified that Zelle not only failed to protect clients but also allowed repeat offenders to exploit the system leaving users like myself vulnerable to scams. They informed me that recovering lost funds was impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in response to your letter or phone call dated CHOICE RECOVERY INC # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to open new checking and savings. Was denied and the referenced the security freeze I have with XXXX  and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.
Product: Mortgage

In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
Product: Debt collection

In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX
Product: Bank account or service

American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed
Product: Mortgage

Same company, same issue - holding funds and making up rules as they go along. - BBT The is the second complaint we have had to file in regards to BBT not releasing funds for repairs. First issue, we were told we HAD to use a contractor. Not true. They granted an exemption after the first complaint was file and forwarded the first set of funds so we could start repairing our home from the flood ( hurricane XXXX ). We were told to contact BBT to set up an inspection by one of their inspectors. We did so approximately two weeks ago and the BBT inspector stated and reported to BBT that were are 90 % complete. We called today XXXX/XXXX/17 to verify that they have received the report and would send the additional funds. After speaking with XXXX again, they now stated we need to provide receipts for the repairs that their inspector verified and photographed the work was completed at 90 %. We asked BBT to provide documentation stating where we were required to provide receipts as they have NEVER disclosed this before. It is very obvious they keep making up the rules as they go. The only document we have from them states once the job is 50 % complete they will release the remaining funds. Once again, we asked for XXXX XXXX as she is a supervisor in processing department and her superior XXXX XXXX - still have not heard anything back as of today and waited on hold for over 1 and a half hours. These are the same two people that lied to us before and stated they were over-nighting the first check of which they did NOT as we received the check 4 days later - XXXX tracking # XXXX. If they are doing this to us, how many other people are they doing this to as well. There needs to be a full investigation/audit of the loss draft department. At this point they have not released our funds and are now requiring us to submit receipts? even though they told us their inspector had to come out and take photos and show the repairs have been complete to 90 %. As of the end of this week, we will be 100 % complete with repairs and have already requested BBT 's final inspection and hope that they will be able to provide us with documentation stating that the repairs are 100 % complete and they have been satisfied. I am still waiting on future checks from the insurance company and I would like to provide them with the document stating the checks can be made out directly to me and BBT has been 100 % satisfied. The process of having to take it to one location to have someone sign off on the check, just delays the process even longer and allows BBT to hold my money even longer. Thanks for your help in rectifying this situation and hope to protect other consumers that are being faced with this same situation. There needs to be a documented process and these problems and complaints would not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/KAY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX This is not mine.