23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request Motion to Dismiss on the grounds of special exceptions in regards to not being properly served official court papers. 

I am writing to address a matter of great concern regarding an alleged lawsuit filed against me by Barclays Bank Delaware. It has come to my attention that there have been egregious violations of Texas laws and consumer protection statutes in their pursuit of this case. 

I was not properly served official court papers nor have yet to receive any official court papers. This alleged lawsuit was brought to my attention through attorney advertisement received via mail ( attached to this complaint ). 

The actions of Barclays Bank Delaware raise serious legal and ethical concerns. Upon researching the matter further, It appears that they have violated multiple laws and regulations, including but not limited to : 1. Texas Rules of Civil Procedure : Rule 106 : Service of Process. 
Rule 501.3 : Citation by Publication. 
Rule 502.2 : Service on Individuals. 

2. Texas Finance Code, Title 5. Protection of Consumers of Financial Services : 392.304 : Unfair or Deceptive Acts or Practices. 
392.301 : Prohibited Practices. 

3. Texas Debt Collection Act : 392.301 : Prohibited Practices by Debt Collector. 

4. Fair Debt Collection Practices Act ( FDCPA ) : 807 : False or Misleading Representations.

808 : Unfair Practices. 
809 : Validation of Debts Failure to Serve Proper Notice : Texas law requires that individuals be served with a summons and complaint in person or through certified mail. As I have not received any such documents, it suggests a failure on the part of Barclays Bank Delaware to adhere to legal requirements. 

Deceptive Practices : Barclays Bank Delaware process service falsely claiming to have served me in order to proceed with legal action constitutes deceptive and unfair practices under the Texas Debt Collection Act. Continuing collection activities before validating debt. Causing mental anguish through deceptive practices. 

What is hurtful and upsetting about this matter is how an automatic judgment would have been ruled against me due to me not knowing there was ever a lawsuit filed against me. I have no information on who to contact and this is causing severe stress on my current XXXX. 

Please investigate this matter according to legal requirements.
Product: Prepaid card

The card issuer promises " FREE '' online statements to all holders of its 1-2-3 Rewards prepaid Visa debit card in paragraph XXXX of the card 's terms and conditions. In practice, only cardholders who have registered and activated their " temporary card '' as a " personalized card '' can see or print online statements. The card 's website allows temporary cardholders to see the balance available on the card and nothing more. There is no way to access the card 's history of charges ; as a result, one can not discover errors or unauthorized charges and can not provide proof of payment to a creditor or other interested party.
Product: Credit card

I had a Kohls charge card account. I called them in XX/XX/XXXX to ask them what my balance was so I could pay it off in full as I was going to be working abroad for a few months. I paid off the amount they provided to me, but turns out while I was away, there was an unpaid balance of {$20.00} which with interest and all had gotten to XXXX . I tried to explain the situation and also requested transcripts of the call which I had to show that they had assured me that there was no balance but they refused to do so.
Product: Mortgage

I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX.
Product: Debt collection

On XX/XX/19, I sent certified letters to NMAC ( Nissan Infinity ), XXXX and XXXX. The letters were sent in response of a repo from XX/XX/XXXX. I stated to XX/XX/XXXX and XX/XX/XXXX that they were reporting false and inaccurate information, ie ... no closing date, no Terms listed, monthly payment still showing an amount, etc. I wanted a deletion because of this inaccurate info. I also included in my letter to NMAC that they illegally replied the vehicle from private property, I was never sent an Accelerated Notice, not a Notice Opportunity to Clear or a Post Repo Notice. They have been reporting a balance more than {$9000.00} but when they received my certified letter, I then received a letter a company not legally able to do business in Ga called XXXX, stating my new balance was over {$3000.00} and they were trying to collect from me. 
I need this account investigation because of illegal and inaccurate practices. XXXX not XXXX has sent me an explanation or anything and its been over 30 days. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Transunion on many different occasion about this account I've sent every document i feel ; like will prove my innocence in every investigation they did steel no help as a consumer I have right under the FCRA which at this point I know for sure this company is not following not one Law on XX/XX/2022 I spoke to a rep in the fraud department XXXX XXXX XXXX who told me out of her on mouth that when they do there investigation they do not ask or recieve any proof of documentation just word of mouth so how is it right for this company to say I owe them anything without any proof no signature ID anything in all my letters I've ask for them to send me some type of proof when they make they decision with there investigation im rush off the phone ignored one rep even hang the phone up in my face this is no way to treat someone who is just trying to prove there innocence I hope this third letter to this CFPB Will get the attention of Transunion and make them do the right thing
Product: Credit reporting

I wrote Equifax on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days!
Product: Mortgage

i requested for a loan modification with Wells Fargo during a hardship, they did not include my husbands income or child support court ordered income or my income for a rental property and they basically denied my application stating i would be eligible for a short sale which was something I was trying to avoid. I would like my information reconsidered for better options.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
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 card

I just learned of your helpful government agency. Almost XXXX years ago I made a new purchase and opened up a new Best Buy Visa card. I was promised a {$100.00} promotional credit. After this credit never came I made many many calls and even visited the out-of-state Best Buy department store to try to fix the problem. Going back-and-forth the promotional credit was never given and has been denied. I have been taken!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of Dispute- $ XXXX Medical- I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX XXXX ... I told XXXX  the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding several issues with my credit report. Specifically, I am concerned about an account that has been verified by the credit bureau despite my dispute, and unauthorized inquiries that have been made on my credit report without my consent. These issues are affecting the accuracy and integrity of my credit file. 

1. Disputed Account Verification : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX I previously disputed the account listed above, but the credit bureau has responded by stating that the account was 'verified. ' However, I have not been provided with sufficient evidence or documentation that verifies the accuracy of this account. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation of my dispute and provide clear evidence that the account is valid and accurate. Therefore, I respectfully request the following from the credit bureau : Method of Verification : Details of how the account was verified by the credit bureau. 

Supporting Documentation : Documentation provided by the creditor to substantiate the account 's accuracy ( e.g., payment history, balance verification, or account records ). 

Investigation Process : A clear description of the investigation process followed by the credit bureau in verifying this account. 

the name of the individual with whom the dispute was verified. 

2. Unauthorized Inquiries : Inquiry Date ( s ) : XX/XX/year> / XX/XX/year> / XX/XX/year> / XX/XX/year> Creditor/Institution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have noticed several unauthorized inquiries on my credit report. According to Section 1681b of the FCRA ( 15 U.S.C. 1681b ), a credit report can only be accessed under specific circumstances, such as : With my consent ( i.e., for credit applications or services that I request ). 

For business purposes, where there is a legitimate reason to access my credit ( e.g., an existing account review ). 

For employment purposes, where I have authorized an employer or potential employer to check my credit. 

I have not authorized these inquiries and believe they were made in error. As per 15 U.S.C. 1681b ( c ), I request that the credit bureau investigate the following unauthorized inquiries to confirm whether they were made in compliance with the FCRA. If these inquiries were unauthorized or improperly listed, I request that they be removed from my credit report.
Product: Debt collection

Toledo new I was going through a financial issue. The manager XXXX somehow got my brother 's contact information and contacted him and told him she was going to the judge to take paperwork due to missing payments. Then my brother contacted my dad, whom then contacted XXXX. XXXX then told my father also that I was behind on my loan and she was going to take paperwork to judge..my dad paid a payment for me so she wouldn't go to judge. Neither of them are on my paperwork and if I'm not mistaken noone is to disclose any information with others except to inform them that they have a personal business matter ... my father is stressed out as it is and his health is my main concern. Now thanks to toledo finance in XXXX tx my dad is stressing over a situation that he shouldn't.
Product: Debt collection

I called in today XX/XX/XXXX, at XXXX XXXX EST to IQ International Data. I was trying to make a payment on an existing payment agreement. I am trying to be responsible, even though this debt is not personally mine. 
When I called in, I had informed the representative ( supposed manager ) of the payment agreement, and that I would like to take care of it today. After telling her what my payment agreement was because she could not find the notation, she said we dont do anything like that. I then asked her what I was able to do, and she said they only do release statements, and I would have to pay {$1300.00} to be taken off this collection account. 
I then responded that I was confused As to why I had a payment agreement previously, with a supervisor, and now I was being told something else. Because of this, I had informed her that I would like to call back and get someone else to clarify the amount, because I was now told two different things. 

I call back, not even a minute later, and the same woman answers the phone, and just says hello, and does not read her employee ID number like regular protocol. I said hi and asked her if she was the only one working, and she automatically got vicious and said that she did not need to answer that for me My response to her then was, Well how am I supposed to get help with this? I remind her I was trying to clarify the two different amounts with someone. 
She gets very angry, and says shes the only person working before XXXX P.T. and ya know what, youve been really rude and I dont need to help you She also stated that I was not trying to get help, I am FISHING for a settlement, a settlement Im not going to get I try pleading with her, that I am not FISHING, that I just needed help, and she hangs up on me! 
I call back immediately ( the third time now ) and she lets the phone ring for a whole 5 minutes ( even though shes not busy, and the only person there ) and she let it go to voicemail.

Not only is this extremely unprofessional, rude, an unfair, but people like her are handling peoples Social Security numbers and files?
Product: Checking or savings account

On XX/XX/20, I went to the drive thru for BBVA Compass Bank in XXXX XXXX, CO. I asked for a copy of my checking account statement, but the teller and the branch manager refused. The falsely stated that their system was down and that it could not be rebooted because it was a nationwide outage. After checking in the internet I found no such outages nationwide for BBVA Compass Bank. There is a order in place in this state for banks to remain closed due to COVID-19. So I was not able to go inside the bank to request this information. This is the second time that this bank has refused to provide me with a copy of my bank statement during the pandemic. It is always with the same excuse that their machines are either slow or down. I believe they are stealing my stimulus money, or other XXXX funds from my account and are trying to cover up the fact by not allowing me to see my statement. They have also been unlawfully sharing my personal bank information with other persons ( XXXX females ) without my consent.
Product: Vehicle loan or lease

King of Credit through Camacho Auto Sales located in XXXX XXXX denied my request of cancellation of debt XX/XX/XXXX, which was in my contract. Therefore breaching the contract. They illegally had me paying for it monthly like an insurance premium, along with several other fraudulent violations. I decided to rescind XX/XX/XXXX King of Credit did not honor the rescission. They had XXXX days to refund all my money in exchange for the vehicle, a XXXX XXXX XXXX. They refused and ignored it. I reported it to all credit bureaus. It was removed from my credit profile and report. I am no longer responsible for the loan for it is voided and cancelled. I requested verbally via phone and also email, XXXX mths later XX/XX/XXXX, for the lien to be released from the vehicle. They refused and denied saying in quote of XXXX the account XXXX XXXX not doing that. They are doing this in retaliation. King of Credit has committed fraud against me, several federal violations and breached my contract. The vehicle is no longer theirs, their rights were forfeited when they ignored the rescission. The vehicle belongs to me and they need to release the lien from the title.
Product: Credit reporting or other personal consumer reports

Hello! Im writing about an issue Im having with Experian.

First, my legal name was changed over three years ago. Ive sent them certified documents through the mail at least three times and for some reason my old name keeps reporting on Experian? They wont update it and refuse to let me file a dispute about it online. I would like my name to be updated to match my current legal information so I can apply for credit cards without being flagged.

Second, there are three closed accounts showing on my Experian credit report. I asked them on multiple occasions to verify the correct dates and amounts for the closed and charged off accounts, as both the date and amounts are different across all three bureaus. They SAID they verified the accounts but when I asked them to provide proof of said verification, they refused to present it. Can the CFPB possibly look into the validity of their claims and provide me with the proof of verification and an update to my name? The accounts in question are as follows : Account name : XXXX  XXXX Account number : XXXX ( credit limit : {$600.00} ) Account name : XXXX XXXX Account number : XXXX ( credit limit : {$300.00} ) Account name : XXXX XXXX XXXX Account number : XXXX Im just trying to have a uniform credit profile across all three bureaus, so I know what Im working with. If Experian can not prove how exactly they verified this information, which is my legal right to know, then I would like to have these accounts removed from my report completely for their inaccuracies. Thank you very much for your time!
Product: Credit reporting or other personal consumer reports

I wanted to try to repair my credit and take care of my credit, so I got a copy of my credit report. duties and observed several accounts that I felt needed a little more clarification. Not that they are, mind you. reporting accurately or incorrectly. It's just that I'm not entirely certain if they are. Additionally, I read something titled the According to the Fair Credit Reporting Act, I am legally entitled to contest any information that I am unsure of being true. A few of I am writing to you all because of the people who are reporting things about me that I have never heard of.Are you aware with 15 U.S.C. Sec. 1681i ( a ), which states that a consumer reporting agency must follow reasonable processes to ensure that the information regarding the person to whom the report relates is as accurate as feasible at all times while preparing a consumer report? I've heard that these accounts have to be removed if you are unable to produce proof. If these accounts are not entirely accurate and factual, then I would like them to be erased. Therefore, can you kindly look into them and come back to me? I watched this lawyer say, " You have 30 days to finish this investigation, '' on a credit site and board. If there is anything missing or incorrect from the following accounts, kindly look into them and remove them. 

ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.
Product: Mortgage

I was on a forbearance plan with my mortgage company and they saw me right in the middle of it now Im paying a much higher monthly payment.
Product: Credit card or prepaid card

I been trying fpr month to fix things in my credit report, one was a account open with Capital One using my personal information which the result was a fraud account and after the internal investigation shows as a fraudulent account which Capital One took action and removed from my credit report just kept open my one credit card account and a checking account. 
The issue is after many calls to customer service, recovery department, many hours in total nothings seems to help remove the fraudulent account from capital one system which is blocking me the ability to request a credit line increase in my current account ending XXXX The fraudulent account ending XXXX is causing the system internaly to deny a credit line increase because of this. 
Everytime I call CS and Recovery they put me in " waiting '' to comunicate betwen departmets to solve the sotuation but the results are the same.

I am attaching a copy of the investigatiom results removing the fraud account and a copy of the reply given from 'Capital One everytime I try to request a limit increase. 
I dont have charge off in any other of my credit reports and clearly the letter shows an issue with the Capital One system. 
I am filing this claim because tha CS amd revovery departmets from capital one after more then 8 calls wasting hours waiting are not able to resolve this issue.