23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX This morning at XXXX I received a phone call from XXXX from Phoenix Financial Services XXXX Rep only identified firm and some obscure medical provider and did not give more information so I thought it was a phishing scam. When I called back at XXXX, the rep was willing to offer more information on who they were, and what their relationship is to the medical debt. They claimed that they have been sending me collection notices for 3 years, none of which I have received. I had asked for them to confirm the address ; XXXX then confirmed that they had the wrong physical mail address, and was able to review my file and get the correct mail address which I confirmed. The rep then stated that they would still put a collection notice on my credit report despite that I have never received a proper notice from this firm in relationship to the debt. I made it clear that I was not refusing to pay on a debt that I supposedly owed, but I needed physical documentation to verify their claim. Again, they referred to the notices I have n't received because THEY sent them to the WRONG address for 3 years. I asked to speak to a supervisor named XXXX. XXXX informed me that they would move forward on putting the debt on my credit report profiles despite not being properly notified under the FCRA. Further, I had informed them that the debt was part of a workers compensation claim. The firm dismissed that claim, stating that my personal insurance was notified and had paid the debt. If they had paid the debt, I failed to understand why they were calling me. Again, I had asked for physical documentation to be mailed to me at the correct physical address that they finally confirmed. They also alleged that I was trying not to pay the debt. Again, under the FRCA, I was never notified of any debt collection attempts. 

As a consumer, I am very wary of phishing attempts and have been apprehensive to release or confirm personal identifying information to unsolicited phone calls. I have never refused to pay outstanding debts if I am aware of them, and this claim was made under workers compensation which I was informed that everyone that had provided medical services were paid under the claim. I informed Phoenix Financial Service of this and they said they would move forward on putting derogatory remarks under my credit profile regardless in violation of FCRA. 

This complaint is being filed in preparation that they were properly notified of the correct address, and that I will not pay any unsolicited collection attempts without reviewing who they are/what the debt is/who the medical provider was that they are representing. When I receive proper notification, I will move forward to rectify any outstanding accounts should they prove valid. If Phoenix Financial Services fails to provide such documentation, I will be exercising my rights to sue under the FCRA and also file a complaint with FTC and CA State Attorney General 's office.
Product: Debt collection

Hello- Received a letter from Convergent XXXX  stating I owed {$720.00} but they would settle for {$250.00}. I called and they wanted my social security # which I am not willing to give out, they would not tell me what the debt was for and this is not on my credit report. I called on XX/XX/XXXX and emailed the company on XX/XX/XXXXwith no response. The email was sent to them through their website : XXXX. I believe this is a fraudulent company and looked them up online and saw many other complaints. I do not want them contacting me again and hope to help others that may be taken advantage of by these frauds. Thank you-XXXX XXXX
Product: Mortgage

Note : This is not a duplicate complaint. 

Case number ( s ) : XXXX XXXX The company answered the CFPB requests regarding the RESPA violations/failures and the alleged foreclosure sale of my property. 

1. In a XXXX XXXX, XXXX response to the CFPB the company ( OCWEN ) acknowledges that they received the " QRW '' in accordance to RESPA on XXXX XXXX, XXXX - as my response to the " default notice '' sent to me. They also acknowledge that they DID NOT RESPOND in accordance to the RESPA law, and only answered after I made a complaint with the South Carolina financial regulators. The company ( OCWEN ) admits that they responded on XXXX XXXX, XXXX and XXXX XXXX, XXXX, which is XXXX ( XXXX ) months after they received the " QWR '' from me. RESPA requires that the financial entity respond to the creditor within a very specific time frame and in a very specific written manner. 

In this answer of XXXX XXXX, XXXX OCWEN states that they validated the debt and owner of the property. The fact remains, they did not comply with RESPA and the FDCPA and proceeded with foreclosure actions with the law firm they mention as " their foreclosure attorney, XXXX XXXX XXXX ''. 

2. FORECLOSURE SALE : In response to my complaint about noticing me by US Mail that a foreclosure sale was scheduled on my home in XXXX, they again state that there was a sale scheduled for XXXX XXXX, XXXX, but conveniently do not have any records or documents to substantiate that. 

FACTS : My husband XXXX XXXX and myself visited the XXXX XXXX XXXX, XXXX South Carolina in person today. We were assisted by an assistant to the XXXX XXXX XXXX, XXXX XXXX in searching the courthouse records for the alleged XXXX XXXX, XXXX " Notice of Sale ''. After searching the entire physical file on my property and that foreclosure action, it was VALIDATED that there was NO SALE scheduled by the Court of Common Pleas , XXXX of XXXX South Carolina. We reviewed the entire file and and XXXX XXXX searched her computer database to no avail. It was absolutely confirmed that Special Referee, XXXX XXXX, no one in his office ever issued a " Notice of Sale '' to the Clerk of Court or anyone else. 

I am including the specific names and phone contacts for the Clerks and XXXX 's office ( s ) who can valid the statements above. 
XXXX XXXX - Clerk of Court Assistant, XXXX XXXX, SC. 
XXXX Presiding Referee in foreclosure case : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX OCWEN LOAN SERVICING, LLC is stating facts that are not true. They have caused great harm to me and my family by issuing false statements and putting fear into our lives by these actions. There is no proof greater than the court itself and they have never received any notice to sell our property in foreclosure. 

If OCWEN states that the records are not obtainable it is because they do not and never existed.
Product: Checking or savings account

In XXXX, I opened a high yielding savings account with ING Direct. In XXXX, Capital One purchased my account through a merger and renamed my account a " Capital One 360 Savings Account. '' At the time, Capitol One XXXX XXXX XXXX sent me a letter that pledged : " our commitment to you is staying the same. '' He specifically promised that after the merger Capital One would still be offering " great features and rates that we know are important to you. '' Over time and following market conditions, Capital One gradually lowered the interest rate on my 360 savings account until it reach a low of .3 % in XX/XX/XXXX. But as market conditions changed over the past 3 years and interest rates rose, Capital One never raised the APR on my account. Instead, around the same time they froze my variable interest rate at its lowest point, they created a new savings product with a higher APR and deceptively similar name : " Capital One 360 Performance Saving. '' They did not notify existing customers about this new savings product and made sure there was no mention of it in the App, which all existing customers are encouraged to use. 

Locking in existing 360 customers at a .3 % APR when market conditions have changed drastically and interest rates have risen precipitously while creating a new product with a deceptively similar name that pays a much higher APR is a far cry from keeping its promise to former ING Direct customers. 

I have filed 2 previous CFPB complaints about this issue and am completely dissatisfied with Capital One 's response through their representative, XXXX. They have been stealing from customers by not paying them the interest they are owed and in the process will destroy Capital One 's good will and reputation for customer service. I just found out today that a lawsuit was filed against Capital One regarding this issue. I'm looking forward to seeing what a jury thinks of their fraudulent and deceptive practices.
Product: Checking or savings account

On XX/XX/XXXX XXXX was debited from my account. I contact cash app via their app about the fraudulent transaction. I was told by XXXX they would investigate. It has been over a month and I received an email from an agent XXXX who refuses to start an investigation. Therefore cash app has continuously lied in emailing stating that they were investigating it and no 30 days later they are refusing to do anything about my missing money. I have more documentation that I can provide I just couldnt upload it all.
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

this company trying to collect money from me and i told them its identity theft
Product: Vehicle loan or lease

In XXXX I purchased the vehicle and was told if I did not have motor vehicle insurance then it would get included with my contract and my payment will be an extra {$160.00} a month for my insurance. Both parties signed the document and every payment I made included my car insurance payment. I received a notice from the motor vehicle division of Arizona in XXXX saying I had 15 days to provide insurance on my vehicle. XXXX gon na get my registration suspended. I called my finance company who I make my car payment and my insurance payment to, and they stated that they are not covering my vehicle for full coverage and I still have to provide my own insurance even though my contract shows they are supposed to be providing insurance for my vehicle since its included with my payment, theyre not wanting to give me any credit back for any of the insurance payments that Ive made to them even though they have no insurance coverage on my vehicle my registration is suspended because there is no coverage that has been placed on that vehicle I can not drive to get my kids to or from school Because every two weeks this company still wants that payment for that insurance and I am unable to provide my own paying for an invisible insurance coverage. Please help!! I am a single mother of XXXX XXXX XXXX XXXX who is barely financially making it. The vehicle I had before was very old and all the repairs I just couldnt afford to keep up any longer and so for my childrens XXXX XXXX, such as XXXX XXXX and XXXX XXXX. I need a vehicle to get them to their appointment so I had to go get a vehicle where I could And I am now regretting this decision. I didnt choose this finance company. It was chosen for me by the car dealership, reading their reviews I would never chose this company. Their customer service is very unprofessional in every manner. Please please help.
Product: Vehicle loan or lease

Vehicle that was under loan from Navy Federal Credit Union was a XXXX XXXX. The XXXX was involved in a no fault auto accident resulting in total loss of the vehicle. Gap insurance was purchased for the vehicle from the lender by the customer at the time of the account opening ( XX/XX/XXXX ). The open auto account should have been closed and paid in full in XXXX of XXXX by both GAP insurance and XXXX auto   insurance. Subsequently the customer discontinued payment for the account after notifying the lender/submitting disposition from insurance provider. The lender took an additional FOUR months to close the account, resulting in " unpaid '' balances totaling {$2500.00} ( four payments of {$620.00} ). The lender ( Navy Federal Credit Union ) failed to act in a timely manner to update the application of GAP insurance to the account, and made no attempts to resolve the complaint with the consumer. The customer notified the lender of the total loss in XXXX of XXXX, the account was not affected/updated until XX/XX/XXXX. This irreparable damage should be litigated. In lieu of litigation the customer is seeking for the debt to be waived and removed from the credit report as a means of satisfactory resolution. It is unlawful for this credit reporting to go on, as this debt is the fault of Navy Federal Credit Union.
Product: Debt collection

Debt was orginally with XXXX included in my Bk file XX/XX/XXXX. XX/XX/XXXX collection agency put on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 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 XXXXXXXX All accounts above have 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 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: Debt collection

LVNV FUNDING LLC is claiming that I owe them {$650.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt or credit management

The wrong information is displayed on the background report and I was given this webpage to notify errors
Product: Credit card or prepaid card

on XX/XX/XXXX my purse was stolen which included direct express card. i contacted direct express and they told me i need to submit an id to receive my card. i did not have an id bc my purse was stolen. i since then aquired all identifying markers i.e birth certificate, divers license and social security card. i submitted all to them. and they refuse to issue me a new card. their excuse is the name on my birth certificate does not match my dl.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with COMMONWEALTH FINANCE with a balance of {$900.00} and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Debt collection

I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.
Product: Credit reporting

I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM )
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  XXXX XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

on XX/XX/XXXX at XXXX i purchased a pre made food pkg. I have failed to here back from this guy XXXX and found out through a friend that a friend of theirs was scamme too. Now this is venmo a company with paypal which is why I did not go directly to paypal. I had an incident where I didn't get what I ordered and instead of reimbursing me, paypal cut me off for life. Now I use venmo constantly and I dont want to lose them too. can you please help me? Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed a hard inquiry for what appears to be a XXXX account. I did not sign up for anything at XXXX, nor did I apply for a card. This inquiry happened on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card

On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. 

During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. 

The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. 

No further information was or has been provided to me by Capital One National Association. 

For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. 

I have never applied for, nor have I ever had, a credit card with Capital One National Association.