23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I filed a complaint already about Capital one holding frozen the funds from XXXX loans deposited into my account by XXXX thru the payroll protection program. I am attaching their response and my complaint is that why the capital one representative signed the response with ONLY her first name XXXX and why despite offering a phone number to reach out to her and the hours she would be available she never answers or calls back to any calls and messages which i did both everyday almost. Also why she said that XXXX hasnt responded to their email requiring where and how to send the funds back? First of all, the email address she claimed they sent emails to, DOES NOT EXIST according to XXXX so how is that possible to send XXXX emails to a non existing email and by who? Just XXXX? second what other instructions would capital one needs to send the funds back if they have the senders indemnity ( XXXX ) form that includes their banking information plus capital one has the ach deposit transactions the XXXX loans were sent into my account so why cant they be send back the same way? 
My last complaint is why did capital one closed my other accounts that i had with them but is keeping the account with more than {$XXXX} open and frozen even after they received the hold harmless form a XXXX ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This company PLAZA SERVICES is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit reporting act ( company ) has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission
Product: Credit reporting

Tax lien for the state of Michigan. Account was paid more than 4-5 years ago. Equifax is still reporting it as paid recently. Information was sent to them a long time ago with no correction on my credit report. They 've had enough time to get correct information pertaining to this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureaus. As a loyal customer who has entrusted Credit Bureaus with personal and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I believe Wells Fargo should not collect a fee on an equity mortgage application until the credit has been approved as my wife and I are told we have to wait 30 to 45 days for a refund. We have some money, so we can wait but what about people who are broke and apply and are put in the same situation as the fee is over XXXX dollars. The following is what happened : On XX/XX/2018 my wife and I applied for a home equity loan against our newly built fully paid for home. XXXX loan with XXXX home value. After two weeks on XX/XX/XXXX were told to pay a fee of XXXX to allow the process to continue and were told the loan should go through by XXXX XXXX, which we paid.. I was told to call the bank the morning of XX/XX/XXXX and found the loan had been declined. I would like the XXXX back, as I believe the bank should have told us prior to paying a fee, the loan was declined. No appraisal was ever performed. I believe the fee was requested just to collect money. The bank should not collect any fee until the loan is approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA
Product: Debt collection

In XXXX of XXXX : I was contacted for the first time regarding this debt. According to PayPal Credit ( Synchrony Bank ), I owe {$610.00} for an account that was opened in XXXX. I informed PayPal Credit that I did not have an opened PayPal account and I never shopped at XXXX nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested PayPal to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, PayPal Credit sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted PayPal Credit to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) XXXX XXXX XXXX sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to inform them that this account was found fraudulent and closed by PayPal Credit. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that PayPal requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of Paypal investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over Synchrony or Paypal, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for XXXX investigation findings, I do not know why another investigation needs to be performed when the original creditor ( Synchrony Bank/PayPal ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the PayPal fraudulent findings letter and XXXX XXXX XXXX letter. 

Thank you for any assistance you can provided to solve this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XX/XX/XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XX/XX/XXXX , DC XXXX Subject : Urgent Complaint Against First Progress Card for FCRA Violations Dear Sir/Madam, I am writing to urgently bring to your attention a matter of grave concern involving XX/XX/XXXXand their egregious handling of my credit account, which I believe constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). Allow me to express my appreciation for the roles that the Consumer Financial Protection Bureau and the Federal Trade Commission play in protecting consumer rights, and I am now compelled to seek your immediate intervention. 

Recently, I discovered that my account withXX/XX/XXXX, which is marked as Paid/Closed/Never Late, has been inexplicably deleted from my credit reports with Equifax, XXXX, and XXXX XXXX After contacting XXXX XXXX XXXX to seek clarity on this perplexing elimination and to formally request a dispute to have my positive account reinstated, I was met with an unsatisfactory and dismissive response. They claim they are reporting my account accurately, yet they have failed to provide the essential documentation to substantiate their claims. 

This situation is particularly concerning because, despite my efforts to dispute this matter with all three credit reporting agencies, XXXX XXXX XXXX is blatantly disregarding the requirements mandated by the FCRA. I have attached screenshots confirming the deletion of my account from my credit reports, and I find it deeply troubling that in light of this issue, XXXX XXXX XXXX has opted to ignore my rights as a consumer. 

The FCRA categorically empowers consumers to dispute inaccurate information and requires that creditors conduct exhaustive investigations into such disputes, providing necessary evidence upon request. The failure of XXXX XXXX XXXX to comply with these obligations and their refusal to document the reporting history of my account is unacceptable. Their lack of transparency raises serious questions about their adherence to federal law, and it suggests a troubling pattern of disregard for consumer welfare. 

This disregard not only jeopardizes my creditworthiness but also undermines the integrity of our financial reporting system. I implore both the CFPB and the FTC to investigate this situation thoroughly, as it speaks volumes about the operational practices ofXX/XX/XXXX and their overall compliance with the law. 

Thank you for your immediate attention to this pressing matter. I trust that your offices will take decisive action to safeguard my rights as a consumer and hold XXXX XXXX XXXX accountable for their actions. Your continued advocacy for consumers is crucial, and I eagerly await your prompt response. 

Sincerely,
Product: Debt collection

It a tire shop company that asking for tires that I dont even have plz help me get rid of whatever it is
Product: Mortgage

PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.
Product: Money transfer, virtual currency, or money service

I requested a Wire Transfer Withdrawal from Coinbase.com on XX/XX/XXXX for {$2400.00}, and it showed as completed in my Coinbase Account History the same day. 

The reference code for the request is XXXX and the reference code for the wire transaction in history shows as XXXX in Coinbase. 

Yet, I have not received the money in my bank account. My bank said there has not been any incoming wire activity recently. I have my bank statement attached, showing all activity from XX/XX/XXXX to present. There has not been an incoming wire transfer from Coinbase. 

I requested this wire transfer before the site said there would be delays with wire transfers. It has been 11 business days now. At first, they made a status update on XX/XX/XXXX that wire transfers will be delayed by 3 business days. Then on XX/XX/XXXX, they said 5 business day delays. Then on XX/XX/XXXX, they said 7-10 business day delays. 

I have opened numerous support tickets, contacted Coinbase employees on social media and XXXX, yet none of them resolved my issue or even acknowledged it. 

I have done many successful wire transfer withdrawals and ACH withdrawals with this same bank account on Coinbase, so it is not user error. The attached statement shows that I did successfully receive an ACH withdrawal from Coinbase on XX/XX/XXXX for a different transaction ( proving that they have my correct account ).
Product: Checking or savings account

I opened an account, XXXX days later, my account was closed for no reason, and I can no longer bank with Chase in the future. I had to force them to give me my funds. I asked several times why the account was closed, no one could tell me anything. I escalated the situation to the XXXX and the Chase executive office assured me they were going to investigate, but the executive office, literally said nothing. A lady by the name of XXXX, in the executive office ( ext XXXX ) told me she would contact me and gather all information from me and investigate. That was only XXXX business days ago ( XX/XX/2023 ), yet she has already responded to my XXXX complaint ( XX/XX/2023 ). Her response to the complaint was the exact same information that had already been told to me XXXX weeks prior. 
I would like to know what investigation occurred, and what information was gathered in a span of XXXX days. 
I would also like to know what why my account was closed, even after I was forced to contact you all XXXX times ( I have proof ) between XX/XX/XXXX XX/XX/XXXX, to verify my identity, just to have the account closed XXXX hours later and left me stranded with no funds. 

I would like for my account to be reopened.