23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account # : XXXX Today I was contacted first thing in the morning by this company around XXXX and was harassed/threatened over falling behind on my payment. I respectfully reached out to them after being told I was eligible for a deferral, via text message from the company, to let them know what's going on and to make an arrangement to get back on track. 

It was at this point with the first woman I spoke with, that I was aggressively pressured and rudely cut off mid sentence, interrupted multiple times, while trying to explain my current circumstances and what I'm able to do for them at this point, and told that I WAS NOT eligible for a deferral and that they must have made an error in that telecommunication, and that I needed to pay a certain amount by the end of the month or face legal action via the court. 

After attempting to explain again that I still had all intentions on fulfilling my financial obligations and that I am trying my best to resolve my current financial issue to get back on track, she once again disrespectfully cut me off and attempted more coercion and threats to make me pay a certain amount immediately. She then asked me to hold and transferred me to a different woman who rudely attempted the same tactics. 

This experience was ridiculous and demeaning. This company is aggressively excessive in their communication tactics and this company is quick to use acts of coercion and threats of legal action, courts and lawsuits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since XX/XX/2019 However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.
Product: Debt collection

XXXX bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we went to chase bank for a domestic wire transfer of {$30000.00}. The intent of the wire transfer was for closing funds on a property we were purchasing and the intended recipient was title company. However, a scammer had knowledge of this closing somehow ( current theory is that someone's email has been hacked ) and they sent my wife fraudulent wire transfer instructions from an email account that looked just like the lender. When we went to the bank, we sent it to this incorrect account from the Scam. 

Immediately after sending the money, I called the title company and they indicated that they hadn't received funds. That's the point at which I reviewed the emails and realized they were sent from a different account with stolen email signatures and such. Mobile viewers do not display the email address in the original message, they only show the contact name. You have to physically click on the name to see the senders email address which is not something one would do if they are already expecting an email at a specific time from someone. 

We went back to chase within about an hour of the transfer to reverse the wire. Furthermore, the account the money was transferred to was also a chase bank account so it was all within the same bank. The account we sent the money to was immediately restricted due to fraud and the personal bankers there indicated it looks like they have a history of being a fraudulent account. It's important to note that all of the funds from the wire were remaining in the account at this time, so none of the funds from the wire had been lost. After additional reviews, the fraudulent account was closed officially by the bank, and we were told that the funds are now held somewhere internally at chase. 

Chase has acknowledged that account was associated with fraud, they have closed the fraudulent account and retained the funds. But we have not gotten those funds back into our Chase account. Every time we ask when funds will be returned, we get a new date as to when the investigation will be completed. There are no external banks associated in this, all accounts are internal to Chase.
Product: Credit card or prepaid card

My EDD debit card that was issued by the Bank Of America was closed without notice with a credit balance of {$9000.00} which was authorized through bi weekly payments to the card for my continuing unemployment claim. This occurred on XX/XX/2020. I have completed an upload with the EDD with Identity documents early in XXXX and have received communication from the EDD that my account is open and without issues, and that the Bank of America needs to reopen my card. I keep being redirected to contact Bank Of America to resolve this issue with my card being closed. The EDD is now issuing my payments by paper check because of this problem with Bank of America. Every day I call the Bank of America customer service and am given a different answer about not being able to access my money on my debit card. I have been told by Bank of America agents on several contacts that this has happened to thousands of people and that I just have to wait until they get to my account.
Product: Debt collection

I have disputed this debt for over a year now and sent them information showing the erroneous and inaccurate information that is being reported on the credit report and according to the FCRA a debt should report accurate information which in this case is not. According to the law it stated once a car is repossessed the creditor was supposed to send a copy of a Post-Repossession notice which was never sent and a Post sale notice which was sent XX/XX/2020 and this notice was supposed to at least be sent 10 days prior to the date of the sale.
Product: Money transfer, virtual currency, or money service

We was contacted for a rental property claiming he received my number from XXXX XXXX. We was in contact with him about the property and when we got closeto seeing it he said that property was secured and he gave us another address to see. He gave us the code to get in and we liked it. So went through the process of paying him the application fee the deposit and the XXXX month 's rent. We was supposed to get a email from a lockbox company for our key. It was XXXX hours and I was getting worried it was a scam. So I called invitation homes and they told me it was a scam
Product: Debt collection

I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.
Product: Credit reporting

I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX hard inquire by XXXX XXXX XXXXXX/XX/XXXX hard inquire by XXXX XXXXXXXX. XX/XX/XXXX hard inquire by XXXX XXXX. I gave no permissible purpose to a person to pull my consumer report, which would result in a hard inquire on my EXPERIAN consumer report.
Product: Mortgage

I was approved for a trial modification. I understood I could not be late or the modification would be cancelled. I have two bank accounts listed on my Ocwen account. Im in the middle of my modification and I send a payment and I accidently select the wrong bank account on XX/XX/2018. I tried to fix before it became delinquent. Owcen only listened to one phone call and not the initial call. I had to hire an attorney to resolve my issue or file bankruptcy, which is not fair. I CAN afford my home and I had the money on point and they still declined and would not reinstate my modification when I called the day of and called repeatedly until the payment was applied and attempted to make the next payment. THEY LEAD ME WRONG!!!!!!! 

I contacted my investor XXXX ( XXXX XXXX XXXX, option XXXX, ext XXXX ) and spoke to him on XX/XX/2018. He stated Ocwen wants me to upload the mod package so it can be sent to XXXX for review. I did so however Ocwen has not sent the package to XXXX and the declined the mod again. I will continue to hire legal assistance until I am satisfied. I need help!!!!! Please
Product: Credit reporting or other personal consumer reports

It was being reported and was not mine. 
XXXX XXXX XXXX {$4700.00} I contacted all Equifax, XXXX and XXXX. 
XXXX and XXXX conducted and investigation discovering the information was not mine and deleted it immediately. 

Equifax continues to report this false information. They are violating my consumer rights.
Product: Vehicle loan or lease

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit card or prepaid card

Credit limit of XXXX. Thought I had closed my account and apparently still had a balance during the time I was still catching up from being unemployed during the Covid pandemic. Being charged almost {$3000.00} in fees and interest.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I have been in correspondence with Experian in regards to an unauthorized account report on ones consumers report. I have contacted ftc, as well as the cfpb on regards to said investigation tactics not being up to fcpa, and other federal regulations standards. As I was a victim of XXXX laws data breech, Experian was not forthwith with said information and further kept said accounts on the consumers report resulting in false/accurate reporting. 
Please aid and remove said accounts as they are against the law, and are a result of identity theft.
Product: Bank account or service

I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX, CT XXXX Re : Dispute of Outdated Information - Request for Investigation and Removal To Whom It May Concern : I am writing to formally dispute outdated information that your company, Eastern Account System, has reported to the credit bureaus. My name is XXXX XXXX XXXX, and my contact information is listed above. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), most negative information must be removed from a consumer 's credit report after 7 years. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into my dispute and verify that the information you are reporting is accurate, complete, and up-to-date.

I hereby request that you thoroughly investigate this matter and remove any outdated negative information from my credit report. If you find that the information is indeed outdated, you are obligated under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) to promptly notify all credit bureaus to which you report and request that they delete this information from my credit report.

Should you determine that the information is somehow still accurate and timely, please provide me with all relevant documentation supporting your conclusion within 30 days of receiving this letter, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Be advised that under 15 U.S.C. 1681n and 1681o, you may be liable for damages, including punitive damages for willful non-compliance, if you fail to comply with the FCRA 's requirements.

Additionally, I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to cease communication about any disputed debt and to provide validation of the debt upon request. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ACCOUNT is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

They didnt put in my contract that I had the right to rescind my contract I sent them a rescind back in XXXX of XXXX they made me put a down payment down I got the vehicle in XX/XX/XXXXXXXX XXXX XXXX  they charging me to much for a used vehicle XXXX
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One Account # XXXX I noticed on my report that this account has late pays in XX/XX/XXXX and XX/XX/XXXX. During that time I was impacted by Covid and was unable to make that payment and was unaware that any balance was due as soon as I was able to I got this account paid up.
Product: Payday loan, title loan, personal loan, or advance loan

I had a Student Loan with PenFed and got my life changed and became a handicapped person that makes no income for ever due to XXXX XXXX XXXX. I requested a loan cancellation three times and they disagreed regardless of Medical Evidence and Availability from Doctors.
Product: Credit card or prepaid card

I was trying to transfer my XXXX rewards from Citi Bank to a partner airline XXXX XXXX as advertised on their website and their online portal, but I was never being able to do so. The only reason why I kept my Citi credit card is because they offer this service to transfer points to XXXX XXXX airline. I contacted both Citi and XXXX XXXX Customer service and Citi CS told me to contact XXXX XXXX to resolved the issue and XXXX XXXX CS told me to contact Citi and Citi has to initiate the conversation with XXXX XXXX to resolve the issue. However, after 2 attempts on the phone with Citi on XX/XX/2023 and XX/XX/2023, they are still unable to resolve the issue. On XXXX, the Citi representative told me he will submit a report to investigate the issue and get back to me in 48 hours. However, that did not happen. On XX/XX/XXXX, the supervisor from Citi CS told me that the issue " can not be solve at this time '', exact wordings, and my points will not be able to transfer to XXXX XXXX. I believe it is a false advertisement in my particular case if my points can not be transfer to XXXX XXXX as of what their website and online said.
Product: Checking or savings account

Bank of America is arranging the order in which transactions are processed ( from highest to lowest ) so as to generate overdraft fees. It also appears that the processing time for certain transactions varies, and it seems that it is for the same purpose, to generate fees. 

Low account balance notices are always sent to late too cure any defect. Again, the result is that additional overdraft fees are generated. 

This issue has come up with BOA in the past and it seems they have returned to the practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). 
* Method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Product: Payday loan, title loan, or personal loan

I received a call from a XXXX XXXX on XX/XX/2023 stating that she was a process server and was trying to locate me. I told her who I was and she told me that she could not tell me why she was calling, that I had to call another number to get information. She called from a spoofed number XXXX. The number she wanted me to call back was XXXX. I called the number to see what is going on and the person who picked up identified herself as XXXX. XXXX proceeded to tell me that she was from Capital concerning a payday loan. When I questioned her to ask for debt verification and the companys name she became very rude and abusive. She presented herself as a process server and stated papers were being filed against me in the county. When I asked for her license and was she just a debt collector she refused to give me any information and just continued to talk over me so I ended the call. On XX/XX/XXXX, this same person contacted my daughters. When I called back and told her that she had already talked with me and that she was violating the Fair Debt Collection Act by contacting a third party and telling that third party that I was being sued for some type of debt, she said to me Maam just give it up. This company has violated the Fair Debt collection act by contacting relatives after they have spoken to me, and they also refused to identify themselves. Also very abusive when speaking with me and telling third parties that I owe a debt after speaking with me.
Product: Debt collection

I noticed an account on my credit reports that I didn't recognize. I disputed with the credit bureaus on XX/XX/19. The account came back verified. I also sent a letter requesting validation from Diversified Consultants on XX/XX/19. ( Tracking XXXX XXXX XXXX XXXX XXXX ). I never received a response or a proper validation from Diversified Consultants. 

Being that there is another collection company collecting on the SAME DEBT, I didn't expect to get a response from them. It is illegal for two collection companies to collect on the same debt. 

Please delete this account from my credit reports.