23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company name is XXXX XXXX XXXX, they were formally known as XXXX. I have been a customer with them for more than 15 years, I started with them in XXXX. At that time I was in XXXX NJ XXXX and then we moved to XXXX NJ XXXX in XX/XX/XXXX. And I asked them to move the alarm system to the new place. They arranged a technician to visit our place but they didnt set it up for 6 months and it was causing anxiety on my part because my wife wanted me to set up an alarm and we were without an alarm for close to 6 months, because the XXXX home security 's technician didnt honor the appointment every time. 

I finally lost my patience and then asked them to cancel the contract which they finally did and I have attached the proof here. However now I have received a debt collection notice asking me to pay an amount of XXXX dollars for a service that was not rendered to me. I feel this is unjustified and I want them to not harass me like despite the torture I had to go through without having a security system in place due to their omission. I have attached the debt collection notice as well. I also called the debt collection company today Hillcrest Davidson & Associates LLC and expressed the same but they were not willing to listen to me. I spoke to a gentleman by name XXXX who insisted that I am under obligation to pay the amount.
Product: Credit card

I am currently unable to transfer points to any transfer partners through capital one. I have noticed this issue around XXXX XXXX. I have about XXXX miles in the account that can not be transferred to transfer partners. This seems to be an issue with capital ones 2-factor verification. I can get into the account with XXXX authentication through text and I am even offered a call option or verification thought capital one. I can complete this, get a code, and plug it in. Once in my account on XXXX, I navigate to convert rewards. This opens up another verification page, prompting me to use a text code as my only option. When I click send code I am treated with a message that says, we are unable to verify this number, please use a different method which takes me back to the previous screen with only one method listed - text. I am also getting a pop-up that says this phone number is not a saved contact point. 

Some important details to note : I have been a capital one cardholder for about 5 years and have never had this issue before. My phone number and plan have stayed the same. 

I have called all week and no resolution other than 'we are working on it '. They assured me this was not an issue with my device but something across the board. No timeframe for resolution is given. This issue has been going on for almost an entire month. All of my information is the same and I have been left with the advice to " check back in 1-2months ''. I have been beyond frustrated with this issue as I have missed two award flight bookings because of it.
Product: Bank account or service

Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.
Product: Consumer Loan

Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX 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 XXXX XXXX XXXXXXXX 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EQUIFAX report contains inquires and collections that I do not recall originating nor do I possess document copies having my signature authorization ( s ) the same that's on my Texas Diver License # XXXX. 

Demand is made for verification or deletion of the following data : INQUIRES Report Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX ( ID ) XXXX XXXX XXXX ( ID ), XXXX XXXX XXXX # XXXX ATTN, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX COLLECTIONS Report Date : XX/XX/XXXX Date Reported XXXX, XXXX Collection Agency XXXX XXXX XXXX   XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$93.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen multiple times one incident a XXXX XXXX a XXXX XXXX XXXX man stolen my identity out of the XXXX XXXX XXXX area he was arrested and sentenced to 9 years in state prison after that I have never been able to get my credit reports back on track Im have a specially hard time with XXXX credit reporting services they are blocking me from disputing anything and I have to go through one person which is a XXXX XXXX and she never returned my phone calls, so I am stuck on fairly with a bad credit report due to this man and other people stealing my identity
Product: Checking or savings account

I tried to close my account and transfer funds and balance to another bank, PNC would not allow me to do so.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked Credit Report And Do Not Recognize These Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021, I began requesting the validity of my consumer report be investigated by TransUnion as I noticed MULTIPLE inaccuracies being reported. After TransUnion decided to close their " investigation '', they began updating the comments on the report to say and I quote " Account information disputed by consumer, meets FCRA requirements ''. Let 's expand on this, according to 15 USC 1681 which are the " requirements '' TransUnion claims to " meet '', consumer reporting agencies are to exercise their grave responsibilities with fairness and accuracy, if TransUnion was in fact doing this, there would be no discrepancies as far as what is true and what is not by me as the consumer. Unfortunately, while checking my consumer report, TransUnion 's information does not match the information listed on other consumer reporting agencies. This alone, verifies that TransUnion, not only has violated the very act that it claims to have 'met ' but also is demonstrating being willfully uncompliant. I, as the consumer have the right to hold TransUnion liable for each violation listed in their report on me in accordance to 15 USC 1681n ( a ) ( 1 ) ( A ). I am seeking damages for each violation as the inaccuracies listed on my consumer report has prevent me from being able to obtain the necessary funding to take care of my financial responsibilities and the embarrassment I have faced being denied in public for various accounts. I am demanding full reparations for the trouble caused. How can you as the consumer reporting agency state that the accounts that were disputed met the FCRA when they are inaccurate? This proves that you are not in compliance and you do not understand what " meets the requirements '' mean. In the exhibits, you will see that there are duplicate accounts as well ( another violation ). Since 2021, TransUnion has also deleted quite a bit of these items which is also admittance that they were violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU
Product: Consumer Loan

Lending club sends me XXXX offers a week to my home. I do not want a loan from them. They refuse to stop mailing me offers
Product: Mortgage

We are asking your agencys help in discerning why there is a {$40000.00} discrepancy between our HUD-1 ( from the calendar year XXXX sale of our family home at XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX and the Form XXXX for calendar year XXXX as reported to the IRS. We have attached Form 1098s covering calendar years XXXX - XXXX We have made several attempts for MR Cooper to respond to our very legitimate concerns. And have yet to receive any response. The company lied to this agency in responding to our previous request for assistance. At the time of our previous request ( XX/XX/XXXX ), we did not have the Form 1098 covering calendar year XXXX which shows an outstanding mortgage balance of {$40000.00} lower than that which was reported on the HUD-1 , covering the sale of our family home.
Product: Debt collection

CONTRACT CALLERS INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> My Identity was stolen and my information has been compromised, and was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).
Product: Checking or savings account

XXXX dollars was taken from my account XXXX times in a row. I filed a dispute, I filed a police report. I asked for footage. Generally disputes take at least XXXX to XXXX  days to investigate. XXXX investigated my whole dispute in 2 days. The weekend is closed. I asked for an appeal & the same results after I provided a police report detailing the same events from my dispute. This is hard on me when Im a college student this money was my refund check. Also XXXX never alerted me of the transactions, had they alerted me I would have been able to block the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Equifax is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXXXXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
XXXX. Equifax is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices Equifax is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because Equifax is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if Equifax does not correct this matter in 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Checking or savings account

I schedule a payment to XXXX XXXX auto account for XX/XX/XXXX, money was available in my account for this payment. the payment was sent via Bank of America Bill pay dept on XXXX, XXXX but for some reason, the payment was held by the bank of America and posted to my checking account until XXXX, XXXX causing 6 overdraft fees ; BOA admitted to the error but refuse to refund me the overdraft fees. I spoke with Supervisor XXXX and several other reps who did not resolve the issues. I received an email from BOA admitting to the error but they are not willing to refund the money