23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX account # XXXX. 
XXXX account # XXXX XXXX account XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I will upload a PDF of this, in case the formatting gets lost : I recently wrote to Zwicker and Associates in response to their debt collections letter, and I called today to confirm receipt. 

They wouldn't answer a simple Yes or No unless I'd give them my SSN or year of birth, in order to " verify '' whos calling. I responded that, as neither of those were on the letter I responded to, they cant be used as verification... 

However, I did offer to tell them the File ID number on the letter I was responding to But the representative wouldn't accept the File ID number as verification! 

The representative continued asking me questions which were, seemingly, an attempt to get me to admit to owing a debt or to identify myself as the corporate fiction called XXXX XXXX. This was both unethical and unnecessary, as I had offered to provide the File ID number as well as the name of the credit card company and account number shown on their letter to me. 

I clarified, several times, that all I'm trying to verify is whether they received the letter I sent in the mail, and, if they have NOT received it, then all I'm asking for is an email address to resend the letter to. 

They refused to provide an email address unless Id give them my year of birth or the last 4 digits of my corporate fictions social security number. 

I asked whether they have special email addresses based on people 's birth year or social security number? They said no, but they can't just give out their email address to anyone. 

I asked to speak to a supervisor... And he, too, refused to provide an email address where I could resend my response to their debt collection letter, unless I could provide him with sensitive, irrelevant information. 

Well, I was hoping to email my letter to them to ensure they receive my response ; however, as they are unwilling to cooperate with a simple, easy, and undeniably reasonable request, then I will use other means to communicate and provide proof of receipt.
Product: Credit reporting or other personal consumer reports

I pulled my credit report, and I noticed these inaccurate and unauthorized inquiries on my credit repoXXXX 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 in response to the attached letter sent to me by Equifax.My evening number is : XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a XXXX scam. I was in a large XXXX group for apartment renters looking for units to rent. I found one that I was interested in and messaged the seller, whose XXXX profile name was XXXX XXXX. She let me know to proceed with an application and an apartment tour, I would need to pay a refundable {$100.00} application fee. She said I would pay this refundable fee to her " lawyer '', who would then send me the application form. I sent the {$100.00} to this " lawyer '' through XXXX, of which the recipient email information was XXXX. Another recipient email that was provided to me, originally for use of XXXX payment, was XXXX, but the XXXX payment did not go through. 

After I paid the " lawyer '' on XXXX, I was sent the application form via email from XXXX, which XXXX XXXX also said was her " lawyer ''. When things started feeling fishy, I told XXXX XXXX I was no longer interested in the listing and requested a refund of the application fee. She said her " lawyer '' was going to refund me, but when I did not see the refund for a while, I followed up, and she blocked me on XXXX.
Product: Credit card

I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account.
Product: Debt collection

I have been receiving harassing debt collection phone calls from Northstar. I have repeatedly confirmed that I have no outstanding debts with anyone. 

They have called from XXXX the following dates and times and have left threatening voicemails : XX/XX/XXXX XXXX XX/XX/XXXX XXXX Friday, XX/XX/XXXX XXXX Friday, XX/XX/XXXX XXXX Monday, XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to this company and havent gotten a response.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Checking or savings account

I have been trying to close my CD with Webster BankXXXX XXXX for about 7 days, within the stipulated time upon maturity, and I am being given a run around. The customer service reps XXXX in my first call on one call XX/XX/year>, asked me for the last 4 of my SSN, address on file and my account number. I gave him the info and the last 4 of my account number, to which he wanted to get a full account number. I asked him to help me locate it since on the onlne banking only the last 4 are visible. He didn't help, when I asked to be speak to his supervisor, he hung up on me saying that I was being aggressive. I looked up the website and upon figuring our my account number, called again. This time, a lady CSR, " XXXX '' verified me, although this time she stated she was able to verify me with just the last 4 of my CD #. However, without stating a reason, she said she wont be able to help me close my account and asked me send request via their website 's " Secure messaging '' - which I did. After 3 days, I received a response to my " secure messaging '' account, asking me to contact customer service on phone again. 
Still CD funds are held. I opened up a complaint ( # XXXX ) with FDIC, and they referred me to CPFB. There seems to be several consumers affected by this bank at ( attached file ) : XXXX XXXX XXXX XXXX  XXXX Please help. I think the bank advertises attractive rates on websites like XXXX, and then dodges the consumers to be able to close their CD, and holds on to the money as long as possible
Product: Student loan

I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.
Product: Credit card

On XX/XX/year> according to XXXX and other Bureaus a multy Credit Check ( and later ) was done on me because XXXX XXXX XXXX XXXX XXXX submitted loans applications ( around XXXX ) on my name without my knowledge and authorization. Some how XXXX XXXX used the documentation they requested from my husband and I to run a soft credit check to see if we qualified for a construction loan ( to build a 3 bedroom house in our property ). Synchrony Bank approved a credit card for {$50000.00} on my name and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not apply for the card, did not activate it and did not used. I disputed this card and told the Bank that since they authorized XXXX Construction to use the card and they did, I requested to close the card and to collect the money from XXXX because is a fraudulent card. They refused and stated I benefited from the card but refuse to provide me with documentation or evidence of how I benefited from it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several other fictitious or real companies have run a XXXX XXXXXXXX fraud from offices in XXXX, California and other victims have the same construction companies and same financial companies involved in this scam. I do not know, never met, never did any transaction, did not approve any trasaction with them did not sign any loan ( plenty of docusign but not my signature and no work done in my property ). There are XXXX solar panels not in service, not in compliance with XXXX XXXX XXXX mandatory construction requirements, not approved by XXXX XXXX and XXXX solar loans claimed by different Construction companies to different financial companies and trying to make me responsible for the loan.
Product: Vehicle loan or lease

Early in XX/XX/2018, I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE IT FROM MY CREDIT REPORT.
Product: Mortgage

My mortgage company raises my mortgage every year. I have done 2 modifications with this company and very year there is an underage. I payed a lot of money out to them to do them, and tacked on 10 more yrs to my mortgage. To top it off, I did a bankruptcy in 2016, and since that time they do not report any of my payments. My credit report is so low that i can't do anything. I have repeatedly try to understand, but I can't. The last modification stayed for less than a year, and my taxes went up. I understand that, but now again 1 yr later my mortgage is in underage again. My mortgage never ever goes down. No one has any answers, even RI housing doesn't understand. When I try to speak to them, they have all the reasons why it needs to go up. Once again, my mortgage never ever goes down. They some how dictate the amount of time so that my amount is yrs projected, but yet yr after year, it goes up and up. I have been on a fixed income now for a few yrs due to XXXX XXXX XXXX. It seems to be a loosing battle. I need someone who has experience to help me before i have no choice but to go into foreclosure after 23+ yrs.
Product: Credit card or prepaid card

Bank of America prepaid had my debit card stolen back in XXXX of last year Bank of America finally fixed the case in the beginning of XXXX giving me my money back in the amount of XXXX. Today Bank of America issued a credit of XXXX to my account again and then took XXXX XXXX time out of my account. Leaving me now overdran by XXXX. The XXXX issued money to me after fixing my XXXX claim the had been suspended since XXXX of last year. I was able to get my money from XXXX of this year to present just last week. And now a week later Bank of America does this. I'm on hold with them as I am sending you this email. They are saying that the have no record of the XXXX  giving me my money back even though it shows in my app and bank statements that the XXXX has given me my money.
Product: Credit reporting or other personal consumer reports

I am submitting this written request for an investigation into specific items that I believe have been inaccurately reported. These items contain errors that are causing me both financial and emotional distress due to their adverse impact. The following items should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items should be removed from my credit file ASAP. The items listed are entirely erroneous and require correction. I am aware that, in accordance with the law, you are obligated to conduct an investigation within a thirty-day period. I eagerly anticipate your response. Take note that I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and notice kia reporting derogatory information. I wrote asking them to verify and validate the debt. Kia have not responded to me at all.
Product: Mortgage

My client started working with this company about XXXX  years ago. He took some time off and then about XXXX  months or so ago decided to start the process again.

He worked with the loan officer to make a plan to not sell his home first and to do a recast of his mortgage after closing. He was doing a VA loan which I have found out since can not have a recast because it is a government loan. He planned on selling his home after purchasing so as to not have to rush his buying process because of this information. 

As the transaction went on he felt uncomfortable with the lender and their processes. He decided to switch lenders and formally withdrew by email and requested the appraisal be transferred to the new lender on Friday XX/XX/XXXX at XXXX XXXX. 

By XXXX the new lender had requested the appraisal and sent payment for it, I believe. 

At XXXX the lender sent a text to me, my client and to her assistant saying he needed to formally withdraw which he had already done and she had responded to in email at XXXX am. She also sent a screenshot of a text trying to prove that she was a major reason his offer was accepted. She also used manipulation in the text to continue a conversation with the client on the premise she has XXXX sons who are military and therefore he should respond to her. 

She also stated that not all lenders will allow a recast as a way to get him back into conversation with her. 

I responded at XXXX saying the new lender would be paying for the appraisal and there didnt seem to be anything else to respond to. 

She text back at XXXX stating that I was steering my client and that this had happened before with another client of mine a couple years ago. Which is true. Another client that I was working with withdrew from her services in the middle of a transaction in which she lied to him about the cost savings and was very rude and unprofessional with him. 

She also stated my actions were illegal. 

The new lender, the buyer, myself and the listing agent have all requested the appraisal yet still dont have it. She kept pushing hard to have the client call her to talk to her to get it released. She has emailed called and text the client multiple times in an effort to save the deal for herself. 

My client reached out to me at XXXX on XXXX  the XXXX to let me know he is unable to do a recast of the loan with the new lender. Or any lender for that fact because it is a government loan. This was never disclosed to the client and neither were the options that if he put more money down that his VA fee would be almost XXXX less. The plan given to him was not a viable plan to start becuase he could not recast the loan. 

Had he been made aware of this he may have chosen to sell his home first or get a different loan product that would fit his needs better. 

The manipulation, scare tactics and harassment of the client and myself are completely unprofessional and there is a pattern of behavior here with 2 clients of mine.

She continues to try to move the deal to closing by sending the CD to the client even after all of this.
Product: Credit card

i am writing you about my XXXX. i called XXXX to dispute some charges made by online business opportunity scammers.they told me they could only find one charge for XXXX for XXXX on XX/XX/2016.when in fact there were more charges on my card.there were charges from XXXX for XXXX, and XXXX for XXXX was told they could not find these charges while i was looking at them on my summary.what kind of work can i expect from this institution.these companies are totally scamming the elderly and XXXX was totally non caring.these companies never rendered me any services, charged on all my credit cards and XXXX turns a deaf ear.i had amounts and dates but no help.they need to listen to there customer, i repeated do you understand i was not rendered any services which extends me beyond there basic XXXX of 60 days.i guess one of the biggest financial institutions doesnt have to worry about the little guy.where do i go from here if my own bank will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights.15u.s.c 1681 section 602 A. States I have the rights to privacy.15u.s.c 1681 604A.section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Product: Debt collection

I received a fraudulent collections notice for the sum of {$300.00} on a ( XXXX ) credit card that has not been used in years. They had my correct account number. The company was Portfolio Recovery Associates , LLC. Stating the seller was XXXX, XXXX XXXX, Florida, XXXX. The phone XXXX. Or portfoliorecovery.com
Product: Checking or savings account

Bank has failed to provide me with my direct deposited funds. They said they would have the issue resolved and funds available by Friday XX/XX/year> morning but have failed to comply. 

I am still awaiting the direct deposit that initiated on Wednesday XX/XX/year> for the amount of {$2300.00}. Capital One Checking has still not provided me with an ETA on when my funds will be available. 

This is causing considerable financial distress, as we are unable to pay our mortgage without those funds. Resulting in late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a customer service agent there at XXXX explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.
Product: Debt collection

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report immediately.