23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Debt Collector Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) claims to be suing me on behalf of XXXX XXXX. 

I have told them repeatedly that I dispute the debt, and they respond that it's been " validated. '' I requested very specific information from them, which I believe is my right to receive : A deposition of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Im afraid I dont have a last name. 
Id also like the recording of the call I had with her XX/XX/year> at XXXXXXXX XXXX. 
I would like any procedures and policies of both XXXX and your firm regarding what should happen when a debt has been disputed. 
Id like a copy of any policies procedures manuals or training XXXX XXXX was subject to at the time of the call The original signed contract of the alleged credit card. 
Original alleged credit card agreement Inception to date accounting of the same account In the event the alleged credit card agreement has changed between inception and today, Id like a copy of every version in between along with when it was sent and what address and person it was sent to. Provide the mark up of what changed between agreements. 

The firm MJRF has refused to provide this on the grounds " As previously stated, if there is any information that you wish to request please do so formally pursuant to the court rules and procedures and not via email. " XXXX XXXX does not provide details on how she would like me to request this information. 

I believe I absolutely have a right to view a signed agreement of an alleged credit card, and an accounting of all payments made on that card inception to date. 

Further, from what I can see the court does not deal with discovery. I do not have a crystal ball, and if XXXX XXXX wants me to do something in particular, she needs to state what it is. 

This secrecy around debt collection is I believe illegal. 

I would not be allowed to tell MJRF that they owe me a XXXXXXXX XXXX and that I had " validated '' it without any proof. They should be required to interact with me. 

Further, XXXX XXXX, despite claiming that " all phones are working '' is hard to contact. You will see in the attached email she takes over a week to get back to me. If you call the phone numbers they go to voicemail. 

As a debt collection firm, XXXX has a duty to provide a point of contact who can promptly respond. 

I would not object to them taking 24 hours or saying they need time, but I think this is ridiculous
Product: Mortgage

I financed a newly constructed home from XXXX XXXX XXXX and financed it with their captive mortgage company XXXX XXXXXXXX XXXX Valon Mortgage bought the mortgage from XXXX XXXX in XX/XX/XXXX. One of the requirements for our development is that we are required to have flood insurance. In the sales agreement, XXXX XXXX agreed to pay for the Flood Insurance for up to ten years or until the flood zoning was removed. XXXX XXXX XXXX handled the flood insurance flawlessly and no issue. On XX/XX/XXXX I received a letter from Valon Mortgage stating they are now charging me {$1000.00} a month from my previous {$690.00} to escrow for flood insurance. This is {$300.00} a month or {$3700.00} increase. Never mind that I have Flood Insurance in place. I call and write emails to no avail and they keep saying that they are required by FEMA with the Biggert-Waters Act to escrow for Flood Insurance. I reached out to FEMA by phone and email and in all cases they stated that if I have the Flood Insurance in place it is not necessary for the Mortgage Company to escrow. I share this information with back up documentation to Valon. 

However, I provided Valon with a bound, paid for, and backup documentation including the full legally required Insurance Policy for the next year starting on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The actual cost of the Flood Insurance which is in place is {$710.00} a year. Valon, provides no backup, no documentation, no policy, but simply states THEY ARE PROVIDING flood insurance for {$3000.00} more than the actual cost. If I do not pay this full amount, I am in default of the loan agreement. After many back and forth with Valon, they came back and said they would now reduce the escrow amount to {$120.00} or {$1500.00} a year, which is still over twice the cost of the actual Flood Insurance. Once again, no documentation, no backup, no explanation. I gave up and refinanced with XXXX XXXX, with no escrow requirement per their escrow and legal department. however, it cost me over {$4000.00} in closing costs and points. Valon is an unethical or at best an incompetent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX  - XXXX - XXXX  2019 - XXXX XXXX XXXX XXXX - XXXX 2019 - $XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity. There was unauthorized inquiries from XXXXXXXX XXXX  and an account from XXXX which was the result of identity theft.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX  of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on Experian, XXXX and XXXX and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on Experian, XXXX and XXXX are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on Experian, XXXX and XXXX immediately. Thanks for your cooperation. Without Recourse - XXXX XXXX.
Product: Checking or savings account

My account and or card was compromised. Funds were fraudulently stolen from me. i opened a fraud claim with my bank TRUIST, they've credit my account of the missing funds. On few weeks later i receive a negative balance of XXXX. I am confused because i believe my bank failed to protect me as a consumer and my consumer rights werent protected. I cant afford to lose any funds in a dire time like this. At this time I would like TRUSIT to uphold its commitment to the Electronic Fund Transfer Act or ( REG E ). This federal law protects me as a consumer against such claims. Thankyou
Product: Bank account or service

I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion You are reporting a tradeline that is not mine. XXXX XXXX account number XXXX My Legal Name is XXXX XXXX XXXX not what XXXX XXXX  IS REPORTING. My request is for compliant XXXX XXXX reporting. 

This must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan in XX/XX/2023 at and I was denied due to errors and false information on my Transunion report. 

Secondly, I also requested a block on my Transunion credit report to enforce my right to privacy and they failed to do so pursuant to 15 usc 6801 Protection of nonpublic personal information ; 15 usc 1681 Congressional findings & Statement of purpose ( a ) ( 4 ) ( 4 ). 

My last attempt to resolve this matter over the phone on XX/XX/XXXX. After multiple attempts Transunion still has not resolved this matter.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX sent Experian a letter with all my information they requested asking for them to remove all addresses that's not affiliated with me off my credit report as well Names Phone numbers and inquires Experian responded and said it would take 60 days to do a investigation and they responded back in 4 days going off a dispute back in 2022 id like my credit report to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 disputed inaccurate items with Equifax, 30 days later no resolution. XX/XX/22 diputed inaccurate items. 30 days later no resolotion. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.
Product: Bank account or service

Why are we still allowing banks to allow charges to go through when our balance is XXXX? And then charge up to five times in the same day overdraft fees? This is a predatory practice by Wells Fargo. The online balance does n't update, they play a shell game with your charges to cause you to fall below your actual balance. Now I find they can cash post dated checks. If it 's my bank, my account, why am I the only one out of control? Anyone who wants my money gets it and I am forced to take a loan? Banks are syphining money from the working poor and they treat us like we do n't matter! I was charged {$120.00} for a total of {$80.00} worth of charges? Loan sharks do n't charge more tha. The loan??? Protect the consumer and REGULATE THE BANKS!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX  XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted but someone stating they are trying to service me and if I dont accept the service they will contact my work. I have asked what it is about and they will not provide details. They give me a phone number to an attorneys office and ask to provide case id. When I call they ask for details about me other than the case number and threaten to send details to my job. I have also received an email stating that someone is trying to collect for speedy cash. I have attached the email
Product: Debt collection

Account Solutions ( aka Credit Management ) has started calling my cell phone number again XXXX. I had my identity stolen and my credit frozen. I filed a CFPB complaint and thought it was resolved that they had agreed to stop calling me but the number they agreed to stop calling was our home phone number XXXX. So in effect they agreed to nothing as they are still calling my cellphone number. I got a call today at at XXXX XXXX to my cellphone identified as Account XXXX on my phone. I called the number back and the person answered " Credit Management. '' So how is this compliance when the company said they would remove my name and number as they could not find any debt that I owed and yet they are still calling me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XX/XX/2020
Product: Checking or savings account

I opened the XXXX XXXX XXXXXXXX and paid an annual fee solely for the chance to obtain the {$400.00} bonus. I completed the 10 bill pays and was not awarded the bonus. It was deceptive that they made the offer available to me when opening the account if I wasnt eligible, even after entering my zip code. I even ask customer service reps and they said I would be eligible and just needed to wait a little longer. It is also wrong that I was sent the bonus requirements and had to sign the sheet knowing the terms where it said nothing about being Pennsylvania exclusive. I am appalled and feel deceit by this level of carelessness made by First National Bank.
Product: Credit reporting or other personal consumer reports

Timeline of Experian Noncompliance : On XX/XX/year>, I submitted a dispute identifying fraudulent accounts resulting from identity theft, along with my FTC Identity Theft Report and necessary supporting documentation. 

On XX/XX/year>, I received a letter from Experian stating that my dispute was closed without blocking the fraudulent items as required under FCRA Section 605B ( 1681c-2 ). Instead, Experian sent a generic request for additional information ( a stall letter ), which is both unlawful and an undue burden. 

On XX/XX/year>, I promptly complied with your request and provided further documentation verifying my identity, along with a Method of Verification Letter requesting specific details regarding your verification methods.

To date, Experian has failed to : Remove or block the disputed fraudulent items as required by law ; Provide me with any documentation or explanation regarding the methods used to verify these disputed accounts ; Comply with its statutory obligations under the FCRA, specifically 1681i ( Reinvestigation of Disputed Information ) and 1681c-2 ( Blocking of Information Resulting from Identity Theft ).

Legal Obligations Under the FCRA Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of any information resulting from identity theft within four ( 4 ) days of receiving proper documentation, including an FTC Identity Theft Report. Your failure to comply is a direct violation of Federal law.

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with specific details regarding the reinvestigation and methods used to verify disputed information. Experians refusal to produce this information is unacceptable and further violates the FCRA.

Final Demand for Immediate Action I hereby demand that Experian take the following actions immediately : Block and remove all fraudulent accounts and items resulting from identity theft from my consumer credit report as required under 15 U.S.C. 1681c-2.

Provide me with a written explanation of the specific method of verification used to confirm the validity of the disputed accounts, including : The name, address, and contact information of all parties contacted during the verification process ; The specific procedures and methods utilized to verify the disputed information ; Copies of any documents, correspondences, or communications relied upon in the verification process.

Failure to Comply and Legal Recourse Should you fail to comply with this demand within fifteen ( 15 ) days of receipt of this letter, I will have no choice but to pursue all available legal remedies. This includes filing a formal complaint with the Federal Trade Commission ( FTC ), and pursuing civil action against Experian for noncompliance under the FCRA. Be advised that violations of the FCRA are subject to statutory damages, punitive damages, and attorneys fees. 

This letter serves as your final notice. I expect immediate and full compliance with your legal obligations under the FCRA.
Product: Checking or savings account

I have been trying to close my checking accounts with capital one for two weeks now. I keep getting the run-around as I have left a message for someone name denisha at the number provided if they had any questions for me. I am closing my accounts with capital one because of the process they put me through and the baseless claim. Why would I provide capital one with more of my personal and business information when I trying to close my accounts. I had to file a complaint with CFPB to get an answer as to why capital one had my accounts on hold. If I did not file a complaint I would have never known what was going on because no one at capital one was allowed to tell me. Capital one is more than welcome to submit any evidence of wrongdoing to XXXX and I will communicate with them as that is who provided the loan, not capital one. Capital one should please make sure to send copies of the letter to me, CFPB, and the OCC.
Product: Credit reporting

Experian has made it difficult for me to get my report # XXXX and # XXXX they refuse to remove wrong information. I am upset. They are ruining my life. They refuse to provide validation, creditors reporting them do not provide validation and those accounts MUST be removed by law. They are reporting incorrect addresses and they are letting people see my credit who I never authorized to pull my credit. The erroneous information is as follows. 
I never lived at these addresses 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 None of these are my addresses, Experian has been notified and refuses to comply and remove them. Additionally, they continue to illegally report the following accounts that do not belong to me. They refuse to provide documentation for me to reasonably defend myself and so do the creditors. Knowing my name, address, etc. does not constitute a contract or legal debt. 
XXXX XXXX Account # XXXX XXXX Account # XXXX .... 
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 
Finally, I did not give anyone permission to pull my credit in years. The illegal, unauthorized credit pulls that need to be removed are here. 
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 I was a victim of the XXXX Data Breech and my purse was stolen in XX/XX/XXXX with my social security card, driver 's license, and my birth certificate on a card. I already sent a copy of the police report to Experian and a copy of the letter including me in the XXXX data breech. These are not my accounts. I have hired XXXX XXXX to sue if it 's not corrected immediately. I am done being a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely Experian. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ). 

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
Product: Debt collection

I have been disputing these debts to the collection agencies and the credit bureaus advising that this one apartment they are collection on was obtained do to identity theft. I have provided police reports a letter of identity affidavits explaining these are not my debts. I have never stayed at this location or allowed anyone to use my information. XXXX XXXX XXXX, ( XXXX XXXX XXXX ) Acct # XXXX & Pro Collect ( XXXX XXXX XXXX ) Acct # XXXX. XXXX XXXXt XXXX is collecting the debt for {$1700.00} Pro Collect is collecting for {$1700.00}. PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. Please have them provide the application on file for this debt to where CFPB will see that these two agencies are collecting for XXXX at XXXX XXXX and XXXX at XXXX XXXX these are the same apartment complex the name changed from XXXX to XXXX at XXXX. The address for this complex is XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone number XXXX. The Florida law indicate only one agency can collect on a debt this is double jeopardy for 2 agencies to collect for this same debt. I spoke to the credit bureaus and they said since the agencies have 2 different account numbers it shows as if they are collecting on different debts when in actuality it 's the same debt they are 2 agencies different entities that are not the same company however tied into the same debt. I am requesting that these agencies remove this false information off my credit or at least one agencies is required to stop collecting this debt.
Product: Checking or savings account

Pay pal and XXXX held funds without my authorization, in doing so they have caused me Financial Deformation. It is now XX/XX/2018 and my funds have been held for a week and I have to ship .XXXX XXXX XXXX XXXX to the buyer but I am unable because my funds are being held without my authorization. Spoke with XXXX representative, XXXX had see refused to release my funds after she verified, delivery of product. 

Paypal payment address is XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$75.00} Print shipping label Add tracking info Contact XXXX XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received XX/XX/2018 XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received Loading transaction details for XXXX - XXXX XXXX ( XXXX ) XXXX HOLD Payment Received + {$86.00} Track Shipment Contact XXXX