23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent a validation request letter to Cavalry Portfolio Services via certified mail in response of a letter revived by them on XX/XX/XXXX stating that I allegedly owe them a debt. They have received and signed the return receipt on XX/XX/2021. It was signed by XXXX XXXX. I clearly stated that my letter is a VALIDATION and NOT a VERIFICATION letter. After that, I received a letter from them stating they have reported the account to the credit as disputed as well as stating that the account is " verified '', although I clearly stated that I am requesting Validation not Verification. It is now Wednesday XX/XX/XXXX, more than 30 days later, they have NOT provided the validation I requested nor have they removed the debt collection from my credit report. This is a clear violation of the COLLECTION PRACTICES ACT. They have no right to go after me to collect debt from now on since they have failed to provide VALIDATION.
Product: Bank account or service

On XXXX/XXXX/XXXX my checking account and linked savings was loved by Wells Fargo. My account number was XXXX I was told my account was closed by loss prevention because of fraudulent activity on an account in XXXX. The account in question from XXXX, was reported by myself to Wells Fargo fraud department/phone number. My previous account had checks missing, so I reported this immediately. However despite funds being deposited in the account, a previous drawn check, had been deposited the day prior to myself contacting Wells Fargo about the missing checks that had been taken by a former housemate, as I was then in the process of moving. This freeze on the accounts funds, caused the check written and deposited in to a account at a different financial institution to be returned. This was an account at XXXX Bank XXXX # XXXX Acct XXXX, which was reported on XXXX describing exactly what I have stated for the reason I am presently describing.
Product: Debt collection

On XX/XX/2019 I was illegal served a summons on behalf of Midland Funding LLC. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking Midland to verify this 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. 


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 has violated my rights. Or 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: Mortgage

We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX  keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you investigate this accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX account # XXXX 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 a account without my written instructions.
Product: Credit card

I have a Chase Credit card. I took advantage of a promotional offer to have 0 % interest for a year. That worked fine. My minimum payment went toward paying down my balance. When my promotional period ended, I took another amount w/0 % interest for a year. Now, a portion of my balance is charging interest, and a portion of my balance has 0 % interest. They add the interest based on the higher balance to that higher balance every month since my promotional period has ended. That makes sense. But, now when I am making my minimum payment, they are not crediting any of my payment toward the balance bearing the higher interest. Therefore, no part of my payment is being applied to the interest that I was charged. They are crediting the entire minimum payment to the balance w/no interest. This is causing my other balance to increase by the amount of interest charged each month, plus I am now getting charged interest on the interest that has been added each month. I have not been allowed to have any part of my payment applied toward the monthly interest charge! I thought new rules existed that prevented credit card companies from crediting your entire payment to a balance with lower interest. Apparently Chase has found some loophole where if your lower interest portion is from a promotional 0 % offer, then they only have to apply an amount over the minimum payment to the higher interest balance. If all I had was the XXXX balance that is in the promotion, my minimum payment would be less then what it is for the entire ~ {$4000.00} balance on the account at this time. I know this, because I only had XXXX minimum payment when I had ~ {$3000.00} promotional balance. I do n't understand why they would be allowed now to apply ~ {$75.00} minimum payment entirely to a promotional balance of XXXX {$1000.00}. You would think that they could only apply the minimum payment proportionately to the balances. For example, Minimum payment = {$75.00}, where {$19.00} is applied to the XXXX balance and {$56.00} is applied to the XXXX. Then, any extra amount paid over the minimum would go to the higher balance. Is it really true that they ONLY have to apply the amount OVER the minimum payment to the balance with higher interest? If this is allowed, it should n't be. Cunsumer beware of taking a subsequent promotional offer before your first one is paid for!!
Product: Debt collection

Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.
Product: Credit reporting or other personal consumer reports

On about the year XXXX  of XXXX I received a harassing phone call from a company XXXXXXXX XXXX XXXXXXXX representing as a law firm threatening to put a lien on my XXXX  about the XXXX XXXX  accountXXXX  I setup weekly arrangement to pay off the debt which i made a total Of 10 payments binweekey of XXXX until account was paid In full .. however, Im still receiving debt collection paper from different companies XXXX which now is title velocity investments. I have the account in dispute because I already submitted and resolve this account. The XXXX XXXX will not give me information on the account anymore. I been fraided already by XXXXXXXX XXXX XXXX
Product: Checking or savings account

Bank of America wants me to send a copy of my ID and social security card over the mail along with my paperwork for my fraud case. I don't feel comfortable mailing those documents after someone already got a hold of my ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF ARBITRATION. I previously requested Transunion to do an investigation and to block information that is obviously a result of fraudulent activity. I have still not heard back from them ( complaint ID XXXX ). By law, Transunion had 4 days from the date of receipt of my notice to act. They did not. Secondly, XXXX, XXXX and the furnishers of certain accounts on my consumer report have done a proper investigation and have removed the affected accounts. However, Transunion continues to violate my rights as a consumer by reporting information that should not be on my consumer report. Therefore, I am DEMANDING that Transunion block and delete the identified accounts within 4 days of receipt of this notice : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am giving Transunion a last chance to adequately fix the issue before I proceed to arbitration.
Product: Vehicle loan or lease

Unfortunately I was unable to locate paperwork that details the specifics, but my car was repossessed by Wells Fargo in XXXX of XXXX  ( I believe it was XXXX  ). At the time I felt like it was completely wrongly and made many attempts with Wells Fargo to figure out what happened. They have since sent me a couple of checks totaling $ XXXX {$800.00} relating to the issue but I still feel wronged by what occurred and since their recent court orders that directly correlate with my situation I would like to explore further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the company Credit Acceptance as well as sent letters to the credit bureaus to have this inaccurate credit reporting stopped and corrected. I have talked with several representatives at Credit Acceptance and I was assured this will be corrected, and it still has not been corrected. I have been disputing this information for the past year and it has not been corrected as of yet. I have sent several letters on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. No response regarding this issue. Phones calls have been made as well. XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Vehicle loan or lease

I was affected by the California wildfires and requested a payment deferral from Hyundai Motor Finance USA for XXXX and XXXX due to the natural disaster. A customer service representative informed me that deferrals were granted on a month-to-month basis so I would need to call back for the month of XXXX, so they processed my request for XXXX, and I agreed to call back for XXXX. 

My XXXX deferral was approved, and I received a signed agreement from Hyundai confirming it. The following month, I called back to request the XXXX deferral, which was also processed and approved. I received another signed agreement stating my payment was deferred, with my next payment due in XXXX. 

However, when I logged into my HMFUSA account, I saw a past-due balance. When I called customer service, they told me my XXXX deferral had been rejected. I explained that this must be a mistake, as I have a fully signed agreement from Hyundai confirming the deferral, with no mention of it being subject to further approval.
Product: Mortgage

I am having problems with my mortgage company which I just found out they added my hours to a foreclosure list. I had been on chapter XXXX which I completed in XXXX. In XXXX I had to file for a 4 month chapter XXXX which I completed. Since the second chapter XXXX I have made my payments on time and they are trying to foreclose my house. I made my payment in XX/XX/XXXX for XXXX and they put it in a suspense account. I made my payment on XX/XX/XXXX for XXXX and they refunded that amount back to my account. I don't know why they are doing this. I have evidence of having completed both chapter XXXX in good standing and evidence I have been on time with my payments thereafter. I feel it is plain harassment and am reaching out to your office for help in this matter. I have received correspondence and a text for realtors telling me they saw my property in a fore closure list and are reaching out in case i'd like their assistance to do a short sale for fore closure. The last two options are not an option when I completed my chapter XXXX 's and have been paying my mortgage every month on time. Upon your review of my complaint I will be more than willing to submit proof of my case.
Product: Money transfer, virtual currency, or money service

I have a CoinBase account that I use for CryptoCurrency exchange. 

My password to my account was compromised and they were able to get into my account set up two factor authentication without my knowledge and hack my account. 
On XX/XX/XXXX, all my assets in Coinbase account were sold and withdrawn from my coinbase wallet. at XXXX Pacific Time to an account number that is not mine. 
On XX/XX/XXXX, at XXXX card number starting with XXXX and ending with XXXX and expiration date of XX/XX/XXXX was added to my account. Amount of {$3700.00} was withdrawn and transferred to this card with Bank Withdraw Reference numbers of : 1 ) XXXX and 2 ) XXXX. The address of the account is XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
This card was deleted immediately after withdrawing the funds from my account on XX/XX/XXXX, at XXXX. 

On XX/XX/XXXX, there was another attempt to withdraw and transfer {$15000.00} from my XXXX XXXX account to my Coinbase account which was unsuccessful due to insufficient funds in my account, and I received an insufficient fund notice from XXXX XXXX. 
This fraudulent activity was never flagges by Coinbase neither reported to me. 
I noticed this activity on XX/XX/XXXX, and called CoinBase and they told me that my account was hacked, and they have all my information. They immediately locked my account. I have lost all my {$3700.00} fund in my CoinBase account. 

I noticed this on XX/XX/XXXX, and contacted CoinBase. They could not help me to retrieve my money, but they provided the card that was added, and money was withdrawn to as well as the address associated to that card and Bank Withdraw reference numbers provided. 

I submitted IC3 FBI report as well as Police report with Incident/Report No : XXXX at XXXX XXXX , CA Police Station . 

My account was compromised due to insufficient security and I was not notified and Coinbase is not taking any responsibility. As a consumer, I trusted this organization with my assets.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : CONNS APPLIANCES INC ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I paid off a vehicle loan with Ally Auto. They received a certified check on Tuesday, XX/XX/2020. After they received the check they withdrew another payment from my checking account for {$560.00} because they did not process the payoff for 7 days, on XX/XX/2020. I called to ask about the withdrawal of the payment after they received certified funds for the payoff. The Customer Service rep let me know that they would continue to withdraw funds from my account until I turned off automatic payments online. I stayed on the phone with them while I tried to find that option. However, because the loan was already paid off, there was no longer an online option to turn it off. They said they could not help me with that and there was no other way to turn it off. I did ask them to find a way to turn it off if the online option was not available and they did have it turned off before the next payment. 
I called again on XX/XX/XXXX to ask when they would mail the over payment back to me that was taken out after payoff. The CS Rep stated that it would take 18 business days from the day they determined it was paid off ( XX/XX/XXXX ) to mail a check back to me. I called again on XX/XX/XXXX to ask why I still hadn't received a check. They said they didn't have a note stating that it should be sent back to me, so I asked them again to do so and that it had now been 29 business days since they withdrew the extra payment. They said they would notate the file and that I would have a check in 5-7 days and then before we hung up they said no, it would be 7-10 business days. 
I am filing this complaint because it has now been 6 weeks since they took out the payment, after I paid off the loan and I still do not have the over payment back.