23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not made aware that a balance was remaining on a XXXX account, neither that it was placed into collections. I NEVER received a bill from this company, never received a notice via mail, never received a phone call ( call logs can be provided ) or voicemail. I contacted this company today for the first time and they said they emailed ONE notice in XXXX to an OLD email address that was compromised, and I have no access to. They confirmed over the phone on a recorded line that they did NOT receive my consent to send anything via email and they never verified that was even my email address. Now, my personal information is floating around on the DARKWEB because they claim they sent this to an email they previously got from XXXX. If I owe a debt, I make such arrangements to pay ; however, this is not a debt that I should be held liable. The managers XXXX and XXXX were so very rude and hung up on me three times saying they didn't know it wasn't my email address and whether they send a notice or not, they tried to call and will not remove from my credit or help me resolve. How can this be fair that something is sent to collections and reported although little, to NO notice is given and they confirmed this on a recorded line. The collector has five days after the first contact with the person to Notify you in writing that you owe the creditor money And Notify you of your right to dispute the debt neither was done because I never had  contact with the company and had no knowledge of such debt.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX XXXX XXXX removed my truck loan payment history because I disputed late payments on all three credit bureau because I have never been late on a payment. I applied for new line of credit and a new credit card with my XXXX XXXX Credit Card program and XXXX credit card program in which I am a active member was turn down for transferring balance on new card due to length of time credit has been established insufficient credit history Not enough credit information. Thank you God bless you and your Family!
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX XXXX XXXX XXXXXXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the credit union I have been with for over 12 years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my bankruptcy was still pending!!! It had been discharged over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of weeks purchased a brand new vehicle. This bankruptcy not showing its having been discharged has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over 36 % because of my credit rating. Had i not contacted XXXX and was informed by my credit union, I was not aware of that bankruptcy still not showing the bankruptcy as being discharged. I informed the lawfirm that filed for me and havent heard back from them. I know my bankruptcy was filed discharged and ordered because I worked for the United States district court my bankruptcy was filed in.
Product: Mortgage

We finally modified our mortgage with Bank of America. After 3 years of trying, it worked. This was a painstaking 3 year process with lack of communication from our servicer. We signed our permanent modification in XX/XX/XXXX. We received our bill for XX/XX/XXXX with no problem. Our XX/XX/XXXX invoice came with an additional charge of {$100.00}. It stated additional attorney fees. I have called my " single point of contact '' now XXXX times with no return call waiting for an answer about this. If I decided after I signed a contract, my amount was wrong, I am sure I would still be held accountable. How can they sign a contract and agree on an amount and then charge me more? Furthermore, they will not return my phone call.
Product: Checking or savings account

I tried to use my chase card and it was declined. I have been with chase for almost 20 years with zero issues. So I called to find out why my account was closed and they told me there was a fraud alert. So I assumed it would resume after the issue was resolved. When it wasnt resolved I called XX/XX/XXXX and was informed my accounts with chase are being closed and pending investigation my funds will be released back to me via check around 10 business days. They actually said that. They gave me an exact timeframe. Well here we are couple months later and every time I call they say the investigation is still pending and they cant provide me my own funds or tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I receveid a copy of my credit report and found the following account that does not belong to me : FIRST FEDERAL CREDIT CONTROL, original creditor XXXX XXXX XXXX XXXX. I contacted the original creditor and explained that this debt is not mine. They agreed and told me I would need to contact the collection agency that is handling the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or https : //XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT Account : XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Money transfer, virtual currency, or money service

My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was XXXX  and had XXXX  XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX  XXXX. I was then told by the vet that my dog had a XXXX  XXXX on a walk with XXXX on Thursday and that the XXXX  XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX  XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX  XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( XXXX  ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.
Product: Debt collection

I was sued by Butler Associates at XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX On behalf of their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX failed to follow the law and send a validation letter of the debt. They never provided any statements signatures, or proof the debt was mine before they took legal action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are inquiries on there that I dont know where they come from please remove them as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax suffered a security breach on X/X/2017 due to lack of sufficient cyber security and divulged my personal information through cyber attack. They are also a victim here, however as a direct result of their lack of security, I will now INDEFINITELY be at substantially increased for identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a XXXX XXXX account that was opened on XX/XX/year>, has been incorrectly reported on my credit report. This account does not belong to me, and I have never authorized or opened such an account. Despite my attempts to rectify this issue directly with XXXX and the credit bureaus, the account remains on my report, negatively impacting my credit score and financial standing.

USC Codes and CFRs Applicable : 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible purposes of consumer reports ) 15 U.S.C. 1681c ( Fair Credit Reporting Act - Requirements relating to information contained in consumer reports ) 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act - Responsibilities of furnishers of information to consumer reporting agencies ) 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) 12 CFR Part 1022 ( Regulation V - Implementing the FCRA )
Product: Credit card

I purchased an item ( {$240.00} ) on XX/XX/2023 on XXXX which I did not receive. I paid additional ( {$14.00} ) for expedited shipping which includes signature on delivery. Items was shipped from XXXX ( I use expedited and signature on delivery generally, but specifically for all overseas deliveries ). Merchant admitted that items was shipped without the expedited shipping. Merchant did not refund either expedited shipping cost nor the cost of the item that was not delivered. Merchant 's delivery company states item was delivered, but there is no physical proof of delivery. I never took delivery of item. 

I filed a dispute and complaint with XXXX and then PayPal Credit ( Synchrony ) as that was the form of payment used. Synchrony dispute yielded a negative outcome and I am being held liable for charges.
Product: Credit card

I am filing this complaint in regard to deceptive practices of the Capital One Financial Corporation and request you conduct a full investigation of possible Servicemembers Civil Relief Act, Military Lending Act and Truth in Lending Act violations. When I applied for the Capital One Venture Card I was told that annual fees were waived for military, no additional stipulations were mentioned. This is still reflected on their website, please see attachment Capital 1 ad. On Sunday XX/XX/2023, I called Capital 1 customer service to ask about a pending annual member fee for {$95.00}. 
I was transferred to a supervisor, XXXX XXXX ( Employee ID XXXX ) who told me that fees waivers were no problem but that fee waivers were only available after the charge had been applied to the account. After the annual fee when through I called back on the evening of XXXX XX/XX/2023, I was told by XXXX ( Employee ID XXXX ) that no fees waivers were available and that they could not and would not waive my fee. I informed them about my rights under the SCRA, MLA and TILA acts and that there should be no annual fee assessed based on those and on their advertising. All these conversations were on a recorded line, according to their disclaimer. I mentioned I wanted to take my complaint to the Consumer Finance Bureau and requested all records and account notes taken. XXXX refused my request to obtain records, refused to confirm she would preserve records, explain the discrepancies between capital one ads and the fee waiver refusal and refused to evaluate my fee waiver request under the MLA participation fee clause. I ask the Consumer Finance Bureau to conduct an investigation, I suspect they are victimizing thousands of military members who sign up for their credit cards believing there are no annual fees and lower interest, pulling a classic bait and switch. I would at a minimum like a refund of my annual fee of {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly.  On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus   requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.
Product: Bank account or service

I opened an account with First Bank. I opened initially with a direct deposit of usd XXXX to learn how this bank operates. i found that this bank is not transparent how they handle the overdrafts/direct deposit. My direct deposits should be on the XXXX & XXXX and in some cases 2 days prior is in the system. However, when i had a pending transaction the bank only credit my direct deposit after they processes the overdraft charges. This happens several times, I received direct deposit in XXXX banks and when my money was available with the other bank, First Bank did n't put the money in my account, until they charged the overdraft. 
When i was overdraft i asked them to send me an email so in that case i can go to the bank but they were n't consistent .in some cases they sent a note via mail. The post mail is not actomatic and can take couple of days. However, I received several days after. 
Last thing that I found was ... .they deactivated my card without calling/sending via mail or email a note. I had a balance of XXXX in XXXX/XXXX and Usd XXXX in XXXX and a payment of XXXX should be paid in XXXX/XXXX. The company sent me a letter telling me that because the payment did n't go through they will cancel the warranty. They do n't follow any rules or regulation that the banks need to follow. I felt treated unfair as a customer.
Product: Mortgage

Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.
Product: Credit card or prepaid card

Following the complaint ID XXXX submitted on XX/XX/XXXX in which

CITI bank cheated me on a {$3500.00} bonus regarding my savings account, now CITI has been resentfully revengeful by closing two if my credit cards, namely BEST BUY and COSTCO. I have never been late on payments for the two credit cards and I have always paid the balance in full to avoid finance charges and service fees ( may be that is something that CITI does not appreciate ). However, I have no regret and no sorrow not to be able to use these cards anymore and I would pay the balance of {$23.00} on my Best Buy card before
the due date. However, CITI is refusing to give my my rewards of about {$90.00} for the purchases I had been making beforeXX/XX/XXXX. The balance on the Costco card is about {$750.00} but I would like to have my reward bonus to be taken into the account before I pay the remaining balance, but CITI refuses to honor the rewards that I had earned using CITI card. This is outrageous and it is not fair.
Product: Mortgage

I want to start off by saying I have always had my own private homeowner insurance and landlord since XX/XX/XXXX. XXXX XXXX obtain my loan and transfer to Fay Servicing. I contacted Fay Servicing and sent a letter requesting to remove the insurance and was informed a liability. I reiterated I have my own insurance. It appears I may have been charged twice from the mortgage and my own. I sent an email to XXXX XXXX and Fay Servicing XX/XX/XXXX for an thorough investigation and audit, please respond within 30 days. NO one has contacted me.
Product: Debt collection

A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.