23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am excercising Power of Attorney over joint assets, because JP Morgan has engaged in the elder abuse of XXXX XXXX and XXXX XXXX. When XXXX XXXX and XXXX XXXX attempted to use their money from account XXXX, a joint account with my name on it, they were denied access to their money. They could not access funds to pay an exterminator for maintenance services of real estate property. There is a specific company set up to manage real estate property and assets, XXXX XXXX My company, XXXX XXXX is helping with the real estate law management of this situation. JP Morgan has repeatedly spat in my face and abused elderly people in my family. They have repeatedly committed acts of fraud and taken over {$200000.00} in cash assets and real estate assets from me. They have also given XXXX XXXX, and other questionable individuals access to money from my bank accounts when they did not have any legal right to. I would say that the people running JP Morgan have some severe mental issues. If I am given a difficult time while exercising power of attorney over joint assets, I am going to have my elder law attorney file papers in surrogate court. JP Morgan is under investigation by XXXX for participating in this type of abuse. I already have been to the correct court and I have obtained a judge 's order against certain abusive third parties. If the XXXX continues, I am going to begin to file motions against JP Morgan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance $ {$1200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

I contacted this company via mail in regards to a letter I received about an alleged debt. I asked the company to verify the debt. However, the only response I received from the company was a copy of a bill. To my understanding, this is not proper validation as per FCRA and FDCPA. I never did business with this comany.
Product: Money transfer, virtual currency, or money service

I was purchasing a camera off of XXXX XXXX for {$2300.00} on XX/XX/18. I make the payments through XXXX but lost contact with the seller afterwards. I contacted the company regarding this, but no action was taken.
Product: Payday loan, title loan, or personal loan

Good afternoon, The company FastBucks have been harassing me for months now. The company has started to call my employer and continuously harassing me and my co workers at my place of business. It has gotten so bad that I have had to transfer departments so they would stop calling me. I faxed them a Cease and Desist notice to please stop calling me and they refuse. XXXX ( manager from fastbucks ) stated that they do not have to follow any of the rules from the FDCPA and they will continue to harass me and my work place and my personal number. The calls started at my place of business on XX/XX/2019. I advised them to please never call my job again and to cease and desist all collection efforts. They called my employer again the very next day XX/XX/2019. I alerted my manager and my team of security of the issue, my manager advised that if they do keep calling I may end up on disciplinary action. I spoke with XXXX on XXXX XXXX. She stated that my account was going to go to Legal and the {$220.00} that I supposedly owe will turn into {$1000.00} and they wouldn't be harassing me anymore. Today XXXX XXXX I received a email from my old co worker stated that they called again today asking for me. I have transferred departments because the harassment has gotten so bad. I have paid my loan off in full with a cashier named XXXX back in XXXX. This company has new management and they will not stop harassing me. I will be filing a restraining order with the justice courts, I am aware that this is a civil matter but I can no longer take the harassment and nasty phone calls that i've been receiving from XXXX and XXXX. They threaten me every time they call, every single time I tell them to stop harassing me they continuously say " we're not going to stop ''. I will be taking legal action going forward.
Product: Money transfer, virtual currency, or money service

Ive sent money through Zelle before on my XXXX  XXXX XXXX app before there was a are you sure you know this person warning and Ive complained to them before about sending it to the wrong person and they told me once the money is gone its gone theres no way getting it back
Product: Debt collection

Hunter warfiled has erroneously reported a collection for {$4800.00} on my credit report from supposedly an apartment complex which is NOT legit and original creditor could NOT validate or justify the charges thus released of all liability due to breath of their power. However Hunter warfield has continued to report and aggressively trying to collect on this erroneous collection threatening levy, arrest and ceasure of assets...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX Iowa XXXX XXXX Iowa XXXX XXXX : Dispute Regarding Code 16810 Dear CFPB, I am writing to formally dispute the charge associated with Code 16810 on my account. After reviewing my records, I believe this inquiry, is incorrect or unjustified. I have asked for removal of these inquiries.

Details of the Dispute : Code : 16810 Date of Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TBOM/Fortiva XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dept of XXXX XX/XX/XXXX CBNA Bank XX/XX/XXXX Nature of Dispute : I am requesting that all hard inquiries with the dates and companies above be removed from my credit report. These inquiries are leaving a negative impact on my credit score.

I request a thorough review of this matter and kindly ask that any errors be corrected. Please provide any relevant documentation or further explanation regarding this inquiry for my reference. 

If you require additional information or documentation to process this dispute, do not hesitate to contact me at XXXX or email XXXX I trust this matter will be resolved promptly and fairly. Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am filing a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for failing to provide a valid debt validation despite multiple requests. I have no outstanding debt with this company, yet they continue to report collection accounts under my name without furnishing proof of their claims.

I previously sent a debt validation letter to Portfolio Recovery Associates , LLC, requesting verification of the debts they claim I owe. However, to date, they have failed to provide the necessary documentation proving the legitimacy of the debts. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which requires debt collectors to provide validation upon request.

Additionally, Portfolio Recovery Associates , LLC does not have the proper credentials or licensing to collect debts in the state of Virginia, making their collection activities unlawful. Despite this, they continue to attempt to collect on the following accounts : Portfolio RC Account # XXXX Portfolio RC Account # XXXX Portfolio RC Account # XXXX
Product: Mortgage

I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca, XXXX Account # XXXX XXXX * XXXX XXXX pm *
Product: Checking or savings account

I closed my checking account with Capital One on XX/XX/XXXX and Capital One re-opened my account on XX/XX/XXXX and posted a chargeback of XXXX because of a dispute I had that they had credited me for 3 weeks prior, then decided to take back, when they failed to do a proper investigation of XXXX, because my computer that I bought from them caught fire and I wanted my money back! I have all of the emails proving I did everything that Capital One asked of me, only for them to LIE and say I did not cooperate. Obviously Capital One forgot my emails are proof that they failed to do their job and lied about me not answering their questions via email. I told them repeatedly via phone call to close my account and they said they can not because of the chargeback they did and that when there is a dispute the account has to stay open for 60-90 days. Well if that's the case, account should be closed because the complaint was opened XX/XX/XXXX and it's now XX/XX/XXXX the 90 days is up! yet my account with the bogus chargeback is still open.Capital One knows about the stimulus checks coming obviously and they are trying to steal it! that's why they are refusing to close the account they reopened without my permission and are still refusing to close it! Instead they put a permanent restriction on my checking account, so if any money is deposited, I wont be able to get it. Capital One are liars and thieving crooks and it's because of them why my personal information is on the dark web!!!!
Product: Bank account or service

I have banked with USAA for 4 and a half years and this past week I attempted to login into my account using the mobile app and a pop-up window stated I could not be verified and had to contact USAA. When I contacted USAA they told me the first time that they had flagged my account due to suspicious activity but expected the issue to be resolved within three business days. I asked the individual why I had not been notified immediately and was told USAA had sent me a letter to my mailing address on Monday when it occurred. I finished the conversation with USAA on Wednesday night and tried to login the following day on the mobile app once again and again had the pop-up that stated I could not be verified so I called USAA again and was told that there was a note in my account that USAA was exercising their right to not do any business with me. I asked the individual why that had happened and he stated that USAA had found me guilty of being involved with the fraudulent activity that had occurred on my account in the past week. I was told that USAA was holding me liable for the negative balance in my savings account that had been used during the fraudulent activity. I proceeded to ask what would come of my direct deposit check that was going into my account the next day and was told they would hold it to pay off the negative balance. So I am now a fraud victim, that gave USAA 3 chances to try and fix the issue. I have also filed a police report because USAA would not release any of their investigative evidence to me as the account holder. They have frozen my funds and assets and wrongfully withheld my direct deposit leaving me without a way to pay my bills this month.
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 FEDERAL TRADE COMMISSION to file a report. I do so. Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Product: Debt collection

Several times in the last 3 years I have communicated and spoken with representatives of the National Debt Relief organization. I signed a contract with them to pay my debt to XXXX XXXX for less than I owed. They continued to negotiate with XXXX XXXX on behalf of me to settle a debt as XXXX XXXX would not negotiate any less. I could only afford {$640.00} per month no matter what was negotiated. I am a XXXX XXXX XXXX retired women with limited XXXX XXXX XXXX XXXX. During that time they allowed me to be summons to court. They found a local attorney to represent me. Unfortunately they also negotiated another agreement with XXXXXXXX XXXX  XXXX ( attorneys for XXXX XXXX ) which I also signed. At the time I did not understand that this agreement would have me paying approximately {$10000.00} more than my original debt to XXXX XXXX! I know ignorance is no excuse. I always told them my intention was always to pay my debt that was due. I thought they had my best interests while negotiating on my behalf. I was wrong. When I realized the mistake, I terminated my contract with National Debt Relief and contacted XXXX XXXX XXXX  myself. They were reasonable and agreed to settle for 50 % of what I still owed. As a result of working with XXXX, I will still be paying approximately {$3000.00} more than my original debt to XXXX XXXX, which was XXXX. I have no other debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card was opened onXX/XX/XXXX XXXX Credit Card was opened on XX/XX/XXXX 
XXXX XXXXT Credit Card was opened on XX/XX/XXXX XXXX Inquiry - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$120.00} XXXX  XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX FKA XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

I may a purchase but I could'nt find receipt, however when I went to store I was told that they could assist in returning item charged on credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX  XXXX XXXX XXXX, account name : XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report 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 conviction and crimes which antedates the report by 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on XXXX, Equifax & XXXX ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with XXXX, XXXX  & Equifax as well as XXXX XXXX XXXX, with no resolution!!!
Product: Debt collection

On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant
Product: Credit card or prepaid card

I opened a secured credit card account with Capital One on XX/XX/XXXX, with an annual membership fee of {$29.00}. I was never informed by Capital One or any of its representatives that Capital One had a {$0.00} annual fee secured credit card offer. Recently, while online I discovered this information. I called Capital One on XX/XX/XXXX, twice. The first representative said he wrote out a complaint for me concerning this. When I got off the phone I realized that I didn't ask the rep. how long it would take for me to get a response to this complaint. When I called the second time I spoke to a different rep. and I asked for reimbursement for the annual fees I paid, during the time other members paid nothing. She told me that the {$29.00} annual fee was the agreement I made with Capital One. If I would like to, I can open a new secured credit card account for the No Annual Fee Secured Credit Card. She refused to put in a request for an offer of reimbursement. I believe it is unfair that Capital One withheld this information from me. It is unfair that I was charged for the same service that others were not charged for. I believe Capital One is a dishonest company.
Product: Debt collection

I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a months ago and in response I received a letter from Bureaus stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to Bureaus guidelines and I demand that
Bureau examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope.
The disputed items must be investigated. Item i'm talking about is a result of identity theft.

1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX is reporting inaccurately and in violation of several FCRA statutes including code 15 US 1601. 

Account number XXXX is reporting the following inaccuracies. 
Credit Limit Date of Last Active Date of Last Payment Last Reported Reporting Status Late Payments No Payment history on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & EXPERIAN Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/XXXX  2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/XXXX XXXX  4 : XXXX XXXX XXXX - XXXX XXXX 5 : XXXX  XXXX XXXX - XX/XX/XXXX  6 : XXXX XXXX XXXX - XXXX XXXX 7 : XXXX  XXXX - XXXX XXXXXXXX  8 : XXXX - XX/XX/ 9 : XXXX XXXX - XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX  16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX  XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX  XXXX XXXX XXXX ____________________________________________________ EXPERIAN ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XX/XX/ 2 : XXXX XXXX XXXX XXXX XXXX XX/XX/ 3 : XXXX XXXX XXXX - XX/XX/XXXX  4 : XXXX XXXX XXXX - XX/XX/XXXX  5 : XXXX XXXX - XX/XX/
Product: Credit card or prepaid card

We had a list of transaction disputes on our Capital One Credit Card XXXX : Disputes were against Merchant APPLE.COM/BILL and totaled {$9700.00}. We were informed by multiple service agents that we had won this dispute and that this amount would be credited to our account ( as you can see in the attached account statements ). 

However Capital One has refused to issue our check for these refunds since November, despite multiple promises to do so. It is my understanding that they have 7 business days to refund any credit card credits, it has been 3 months.

I have called and begged and pleaded but at this stage Capital One is refusing to send me my refund despite making it look like they had on my account statement ( as you can see in the attached account statements ).

I would like for Capital One to send me my refund check for my credit card credit of {$9700.00}