23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see Complaint # XXXX ( I have recopied it below ). It is the very same details except they are now using a different number to call from. Now they have called XXXX ( Re-copying complaint filed XXXX/XXXX/2016 as now they are using a different number ) For the last 2 months I have been receiving calls from multiple local numbers with a XXXX or XXXX area code. When I answer the calls just drop. I call the number back, and I hear music for a few seconds and someone Answers. The person comes on trying to obtain personal information from me. On XXXX XXXX, 2016, I received a call around XXXX. EST again from XXXX and the same thing happend. I answered and then the call dropped. I called back from a different number and the representative indicated they were with Halstead Financial and that they would need more information. I have not received any correspondence from this company. The representative indicated they could not provide any information to me without verification, she asked what number was receiving the calls. Although reluctant, I decided to confirm my phone number with her, because the calls are frequent and disruptive. Additionally the fact that all the calls result in hang up on their end as soon as I answer. For the last few weeks I have been monitoring my calls more and that 's when I noticed the similar number. Once I confirmed the number she was calling she asked for my social security number which refused to provide. I asked to have a letter detailing the issue sent to me and was told " how can we send a letter if we ca n't verify who you are '' I told the representative I would not provide information and I would like my name removed from their call list. I was told that was not going to happen and that I would be receiving more calls. I have no idea what this company does or what they are claiming with respect to me. I am concerned because in XXXX of this year I was a victim of identity theft. Since that time, I have been receiving numerous calls from unknown and strange numbers, my mail was also intercepted on 2 occasions for weeks at a time, and my financial information was delivered to other addresses. I also checked and I do not see that this company is licensed as a collection agency in my state. 
Consent to publish the description of what happened
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX  - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..
Product: Checking or savings account

To Whom It May Concern, I am writing to file a complaint regarding a serious data privacy violation that occurred at the XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Chase account holder : XXXX XXXX Chase banker : XXXX XXXX XXXX XXXX check owner : XXXX XXXX On XX/XX/2024, XXXX XXXX opened an account at this branch XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, with the banker XXXX XXXX, XXXX XXXX ask the banker can he endorse the check to XXXX to deposit into the account. XXXX the banker said yes, there will be no issues, endorsing a third-party check, and assured XXXX that the funds would clear in a few weeks due to the new account status. 

Ongoing situation due to the block in freeze of the funds for third-party verification. 

However, on XX/XX/XXXX, when XXXX and XXXX XXXX visited the bank to inquire about the status of XXXX account, XXXX informed XXXX that she had mistakenly requested XXXX to endorse the check, which had been red-flagged by the fraud department. XXXX The banker for chase was on the phone with the fraud department at the time and admitted that she was unaware of the protocol regarding check endorsements. She expressed regret for her actions and she wasnt unaware about the updated policy for third-party checks. She feel like all the actions for the miss guidance should fall on her because she represent chase bank. And she should return the check to XXXX immediately or send the funds back to the third-party holder. 

XXXX XXXX express his dissatisfaction with the phone verification process for Chase Bank. For the past month XXXX attempted to verify his identity over the phone, but was unable to do so successfully. This has caused XXXX great inconvenience and frustration. 

Furthermore, lanzie concerned about the potential violation of XXXX data privacy during this verification process. I believe that lanzie personal information may have been compromised or mishandled in some way, which is unacceptable. 

Chase Bank have been unable to verify lanzie identity over the phone, which has resulted in a delay in the release of my check. This situation is not only frustrating but also unfair, as I was misled and given incorrect advice by a Chase employee when opening the account.

I believe that this misrepresentation by a Chase employee is unacceptable and should not be tolerated. I request that appropriate action be taken to prevent such incidents from occurring in the future. It is crucial that customers receive accurate information and guidance from bank employees. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Good Evening. Hope all is well. This all started from me trying to wire money to a dealership. It was in the form of purchasing a vehicle. This causes major inconvenience from capital one end as they causes me to cancel on a driver and wasnt able to send my 2nd portion of the wire due to the 1st having a daily cap. After 3 attempts or whatever it was I was unable to send the last portion and my family helped me out. Capital one froze my account 3-4 times and I was unable to pay the dealership. Fast forward so many events occurred I cant recollect everything as Im doing everything now to just leave capital one as they causes emotional distress and issues. I owe money to my family and even tried paying for something and I cant use my money. I dont want to even be involved in anything as I provided so much information to them it renders useless. They asked me questions from XXXX as this all started because of some wire that came from an auto broker who they verified relationship with who sold a car of mine. Than they kept mentioning how a XXXX which is used for personal use and I showed transaction that its middle man the money and sending it to uber eats. I verified all key points and Im not sure if its there wording or what it is that doesnt make sense. I want them to immediately send me my money as this whole thing causes a major inconvenience and I need my money. This whole thing has caused major emotional distresses and there legit holding my money hostage. I couldve understand it takes a specific time frame but they unfroze my account 5-6 times and than they tell me it goes into deep investigation? Which I cant get an ETA to it? At this point I dont even want to conduct any business nor do anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Product: Mortgage

Hi- I was charged a payoff quote request fee of {$30.00} on XX/XX/23 1/ I think this was deceptive as I didnt know there was a fee to request a payoff quote 2/ The website payment fee schedule on the website says the fee should be 'up to {$20.00} ' 3/ I've had multiple mortgages in my lifetime and do not remember being charged any fee for a payoff quote
Product: Credit reporting or other personal consumer reports

On Tuesday XX/XX/year> I tried to request my annual credit score information from all three companies, and all three could not find me in the database, and I was unable to get my credit score. 

I pay monthly utility, and I am an authorized signer on a card with my mom. Calling these companies they simply said they could not find me and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, On my recent Credit report for XXXX and XXXX I see a hard credit inquiry for the following : Inquiry : XXXX. XXXX, 2022 CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX I did not make any recent inquiries/ applications and believe this to be fraud. 

Note this is in addition to another recent hard inquiry on my account CFPB COMPLAINT ID XXXX submitted on XX/XX/2022 which I was able to receive a letter of deletion. Thank you. 

I am attempting to take steps to prevent this from happening- I've frozen both my XXXX and XXXX XXXX of XX/XX/2022 and will be starting the dispute process once I can get a letter of deletion from the issuer. 

I was unable to reach anyone of help at Capital One by phone. I will be submitting a letter with this Complaint ID to Capital One to the following address provided on their website : Report Suspected Credit Card Fraud Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Please let me know if you need any other information from me Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BRCLYSBANKDE XXXX XXXX XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX
Product: Student loan

The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.
Product: Credit card

On XX/XX/24 there was a credit card account opened in my name with my information without my knowledge. I have a credit freeze on my credit as well as a fraud alert on my credit. I was notified by XXXX on XX/XX/24 there was a change in my credit and to check my credit file. I checked it and immediately disputed it and tried to reach out to the company to dispute it with them as well. I have sent emails as well as tried calling the number provided for the company and no one has given me any information. XXXX has updated my file and stated that the company has reached out to them and verified the account. The company has yet to reach back out to me after many attempts at emailing and calling. I have filed a police report and have continued to try and dispute it again with XXXX. XXXX is keeping the account opened since the company has said that information was accurate. This is false because the company hasnt tried to contact me back from any of my attempts to reach them. I would like this looked into further and the account closed.
Product: Credit reporting or other personal consumer reports

I'm absolutely livid with Experian 's recent refusal to furnish me with a credit score, especially given that I obtained one less than two weeks ago. Despite my persistent efforts to glean insights and rationale, they've opted to keep me in the dark. This lack of transparency is not only disheartening but also severely undermines my ability to manage my financial affairs effectively. It's deeply unsettling not knowing where I stand and why Experian has abruptly halted this essential service. 

I've tirelessly reached out for clarification, yet I'm met with silence or vague responses that do little to assuage my concerns. The implications of this denial are far-reaching, casting doubt on my credibility as a borrower and complicating any plans I have that rely on a clear understanding of my creditworthiness. 

What's more frustrating is the absence of any tangible explanation. Is this a technical glitch, a policy change, or something else entirely? Without concrete answers, I'm left to speculate, exacerbating my frustration and sense of helplessness. 

Experian needs to realize the gravity of their actions and the impact it has on individuals like myself who rely on their services to navigate the financial landscape. It's imperative that they provide the transparency and accountability I deserve as a consumer.
Product: Checking or savings account

I have an account with Ally.com ( actually three of them ) which i setup years ago. I was inactive for the last three years and therefore Ally initiated the XXXX process with the state of California. I received a letter in the mail from the state of California stating that I have until XX/XX/year> to contact Ally and recover my property. I do not receive paper statements from Ally for at least the last three years and nobody knows I have this account. 

After receiving the aforementioned noticed form the California State Controller I attempted to log into my Ally account but my credentials did not work. So I called Ally bank and they helped me reset my password. After logging in I noticed that the balance in my accounts had been reduced to near zero and the phone number associated with my account was not my own. After investigating with the agent we discovered that on XXXX someone changed the password and phone number on my account. Over the next several days someone initiated several XXXX transactions draining all the money from my account, almost {$2000.00} in total. After further investigation we discovered someone initiated an ACH transfer using my Ally account in an attempt to transfer {$5000.00} out of my primary bank account and into the compromised Ally account. 

After inquiring about how this happened the agent on the phone told me that someone called Ally and convinced them ( somehow ) to change the phone number and password on my account. So that Ally gave some fraudster control over my account. They have agreed to investigate these issues but not immediately refund the money. 

Through process of elimination it is clear to me someone convinced Ally to hand over control of my accounts through a combination of factors including XXXX ) Ally has insufficient controls and security procedures in place such that someone was able to convince the bank 's agents to provide access to my accounts even though they are not me ; XXXX ) Ally hired a firm ( XXXX XXXX XXXX to handle the XXXX  process on my account and either one of the employees at XXXX XXXX is a crook or that company 's computer systems have been hacked ; XXXX ) someone who works at Ally bank is a crook or Ally 's computer systems have been hacked ; or XXXX ) Someone at the State of California is a crook or the State 's computer systems have been hacked. I find both XXXX and XXXX to be very likely especially in light of the fact that XXXX XXXX  website ( XXXX ) does not load for me. Clearly they are a cut-rate service provider. I cant think of a single other way this could have happened since nobody outside of me knows about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize.

Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I checked my XXXX credit report and realized there was a collection reported on my account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I immediatley contacted XXXX XXXX XXXX to find out why this was reported to my account. They could not give me an answer and asked me to mail a validation letter to their corporate offices. A days later after preparing the letter I realized the ccount was no longer reporting. 

XX/XX/XXXX I received a notice from FRANKLIN COLLECTION SERVICE , INC stating that an account Owed to XXXX XXXX XXXX was placed with their office for collection. I immediatley sent a letter Sunday XX/XX/XXXX asking to validate the debt because I had no clue why they would be contacting me. ( That letter was recieved by FRANKLIN COLLECTION SERVICE, INC on XX/XX/XXXX at XXXX am USPS XXXX # XXXX ). 

XX/XX/XXXX I started recieving credit monitoring alerts stating there was a collection reported. It was from FRANKLIN COLLECTION SERVICE , INC . I immediatly looked at the letter again and it was dated for XX/XX/XXXX. I checked the envelope which I still have and there was no date on the envelope. Again I recieved this letter on XX/XX/XXXX. 

XX/XX/XXXX I contacted FRANKLIN COLLECTION SERVICE, INC over the phone. I first spoke with XXXX XXXX and after requesting a manager I was connected to the Supervisor XXXX. After talking to XXXX, she informed me that FRANKLIN COLLECTION SERVICE, INC would request deletion from all credit files. I was also informed that I could send the letter confirming this info to the credit bureaus. I have fowarded the letter and the account remains on my report stating that FRANKLIN COLLECTION SERVICE , INC has updated the account as reporting accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from XXXX as well as Bank of America for wrong reporting of two hard inquiries dated XX/XX/2017. 

Bank of America has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVENS ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS. not supplied proof under the doctrine of estoppel bysilence Engelhardt v Gravens ( MO ) 281 SW715, 719.I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.