23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I returned a call to XXXX XXXX XXXX XXXX in response to a voicemail indicating an injunction was being filed against me. The agent for this purported law firm ( I believe her name was XXXX XXXX became angry when I didnt agree with her about the debt. She threatened legal action, made a false claim about the statute of limitations on this debt, and claimed she would close all my checking accounts within 30 days. Furthermore, she disconnected the call before I had a chance to respond. This is consumer abuse. We could have discussed the account and resolved the matter, but this agent insists on using bully tactics to get her way. I refuse to reward that behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I have reached out to XXXX XXXX in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
Product: Credit reporting or other personal consumer reports

I've been asking for a full investigation into an account that was fraudulently opened in my name with XXXX XXXX XXXX. I initially submitted this request on XX/XX/year>, along with supporting documentation, including a police report and a copy of my lease from my residence at the time. 

It has now been over a month, and I have yet to receive any updates or confirmation that an investigation has been initiated. As this matter involves identity theft and potential fraudulent activity, I request an immediate update on the status of my case. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I expect a prompt and thorough review of my dispute. If no action has been taken yet, I demand an immediate investigation and removal of this fraudulent account from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX. 2018, I realized I lost my CapitalOne Quicksilver credit card while in XXXX, XXXX. I reported the loss to CapitalOne. On XX/XX/XXXX, fraudulent charges ( 10 amounting to {$350.00} ) appeared on my online statement. I reported this to CapitalOne, which subsequently credited back {$430.00}. ( I called back to report discrepancy, but I was told it will be reconciled after investigation ). On XX/XX/2018, I got a call from CapitalOne informing me the case was resolved and no further action is needed from me. However I found out that the same 10 fraudulent items totaling {$350.00} reappeared as XX/XX/2018 entries plus {$6.00} as interest charge. I made several calls to CapitalOne between XX/XX/XXXX and XXXX to resolve issue. Each time I called, a different representative answered and asked the same questions. In short, I am given the run-around.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights FCRA 605 ( b ) under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

whom it may concern : A notice of execution was placed on me. Im getting harassing letters and phone calls about what I allegedly owe through the company XXXX XXXX, XXXX. I have spoken to this company and multiple times and have asked for proper debt validation, which is allowed by Revised Code 1319.12, 1321.01,1321.51,1321.71 and 4767.031 laws and have been denied.

Today I was given information to contacted the law firm Lyons, Doughty, Veldhuis, P.C. ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ) formally XXXX XXXX XXXX. I spoke to several associates XXXX, XXXX and their New Jersey Associate XXXX XXXX in an attempted to ask for proper debt validation. I was transferred several times and placed on hold. I shared with XXXX that the account had been closed and two cases have been filed under this collection agency. XXXX informed me that I could not receive any documentation and I should contact XXXX XXXX. I did as instructed only to have my call be redirected back to the law firm using the same number provided. Once asked why the call was redirected, XXXX explained to me that all XXXX XXXX calls are forwarded to Lyons, Doughty, and Veldhuis to prevent debtors to call seeking information. This comment caused concern and it was under my impression that the law firm and XXXX XXXX may be the same entity. However, I repeatedly asked for documentation to include 1 ) who transferred title of ownership on debt ; 2 ) who was the trustee ; 3 ) who has the certificate of notice/default. I also asked for a legible copy of judgment. The conversation was unpleasant and I was told that the law firm does not have a copy of the transferred Title of Ownership. 
The associate XXXX XXXX consistently attempted to discuss the debt and whether I would make restitution. He then responded back that they will send me what ever they have and stated that the time has lapsed to receive this validation when I stated to him I had the right to this info he kept repeating the statement they going to send what ever they had and I had no right to this validation request because time has lapsed. I stated I had the right to this info and he disconnected the call
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX over a year ago not sure of the dates to do debt consolidation. I did not use their services because I was able tor repair my credit on my own. They call me every week to try to get me to use their services. I asked them several times to take me off of their list but they continue to call me and leave voicemail messages. This is clogging up my voicemail as well as it 's annoying me because I asked them several times to stop calling me but they will not. The phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed fraudulent accounts reported on my credit history as well as false inquiries that I have no knowledge of. I am upset to know that my information has been accessed for things I did not consent to have and is now affecting my credit score. Please remove all negative reports and inquiries from my credit history as soon as possible!
Product: Debt collection

CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all XXXX  removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form SC-104 I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in XXXX 
I live in XXXX XXXX XXXX. 
In XXXX about this false XXXX  from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has not reported correctly since XXXX. For 4 months nothing was updated. Numerous online messages and complaints were sent in. They have done nothing but have an excuse of a new website. Then all of a sudden, about 6 weeks ago, they decided to report a random amount in the middle of a statement cycle. Thus my credit lost XXXX  points because of this. They refuse to fix or acknowledge they reported this random amount when indeed my balance was and has been XXXX every statement cut-off. I pay this card in full monthly and have for years. Right now, for XXXX weeks they are showing a balance of over XXXX. Now today, they are showing XXXX and my payment isn't even due till the XXXX. They reported a random amount again today, XX/XX/22 I want my correct amount fixed and reported and for this never to stress me out again.
Product: Credit reporting or other personal consumer reports

Following a storm that affected my area in late XXXX, Mr. Cooper offered their clients an opportunity to miss one months payment to help with repairs to their properties. They also wanted each applicant to select an option for how they will repay their missed payment. I selected the option of deferring my payment by extending my contract by one month for which Mr. Cooper approved. The following month, I went to make a payment as I normally would do, just to find out that Mr. Cooper is listing my account as delinquent by 30 day. I called and spoke to a customer service agent who promised to fixed the matter and give me a call back. That call back never happened and Mr. Cooper is still claiming that my monthly mortgage payment is one month behind. I tried to move my account to another mortgage company only to be informed that Mr. Cooper would not approve the transfer due to my payment being one month behind. Furthermore, I have learned that Mr. Cooper has reported my account as delinquent with the credit agencies contrary to my original agreement with Mr. Cooper that this would not be reported to the credit companies. I have also learnt that Mr. Cooper purposefully understate my escrow to commit me to a higher escrow in one year following my refinance.
Product: Checking or savings account

I deposited a check which was flagged as suspicious ON XX/XX/year>. Truist went from placing a hold on the check to freezing all of my accounts because they suspected I deposited a fake check. They said they have " confidential information indicating the check will most likely be returned. '' It is now FOUR DAYS since the CHECK CLEARED and I STILL HAVE NO ACCESS TO ANY OF MY TRUIST ACCOUNTS.
Product: Money transfer, virtual currency, or money service

Id like to express my extreme dissatisfaction with the recent unauthorized illegal activity on my Credit Karma Money account. On or approximately XX/XX/24, I discovered that {$2000.00} was transferred from my account to XXXX, in the name of XXXX XXXX in XXXX XXXX CA, on XX/XX/24 without my knowledges or authorization. 
This situation is particularly concerning due to the complete lack of notification I would have received from Credit Karma Money regarding this transfer. It is crucial for a financial institution to inform its customers about any activity affecting their accounts, especially potentially unauthorized transfers. 
I contacted Credit Karma Money customer service department on almost everyday in regards to this matter since I discovered this unauthorized transfer happened, and spoke with a representative who claimed that a notification email was sent to me on XX/XX/24 informing me of the transfer. However, I can assure you that I never received such an email. My settings on Credit Karma app indicate that all of my notifications are on for both SMS and email for any changes ; nevertheless I have never received such email or sms notification. 
Furthermore, when I requested to see a copy of the alleged notification email or any record of its delivery, the representative refused to provide any proof. This lack of transparency is deeply troubling and raises serious concerns about the security measures in place for Credit Karma Money accounts. 
Due to the absence of a notification, I was unable to take any action to prevent this unauthorized transfer. I am requesting that Credit Karma Money investigate this incident thoroughly, including the missing notification and the unauthorized activity itself. 
I also demand a full refund of the missing {$2000.00}. This unauthorized transfer resulted directly from a security lapse on the part of Credit Karma Money. 
I have attached copies of the documentation regarding this incident. 
I expect a prompt and comprehensive response to this matter.
Product: Credit card

I had my credit report pulled on XX/XX/2017, on that date I was showing a 30 days late for XX/XX/2017. I submitted a dispute and the credit bureaus said it is resolved but as of XX/XX/2017 it still shows a late. How on earth can I be 30 days late for XX/XX/2017 when we were on the XXXX day of the month.
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 XXXXXXXX XXXX # XXXX ( fraudulent and currently in dispute ) ; XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX ; XXXX XXXX : Charged off as bad debt/Profit and loss write-off yet sold my information to a collection agency that is currently suing me.

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.

15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a capitol one debit card in the mail around 2 weeks ago. I did not think much about it since I had applied for credit cards at the store. I saw an email today that it stated that my account was overdraft and I immediately sign in. I called Capitol One Fraud department and I advised them of the situation. They are investigating the fraud activity but they told me to report it to the Federal Bureau of Investigation of fraud. I was able to enter into the account by answering security questions and my own name, social security, and date of birth. Therefore, this means that someone is using my information to access these accounts or to open these accounts. Capitol one tells me that this is an acquired account from another prior source. I do not have any accounts opened with any other banks. There is {$1000.00} XXXX XXXX transfer, XXXX XXXX XXXX of {$190.00} to a XXXX XXXX, and a withdrawal of {$800.00} from account XXXX to account XXXX performance, all of these charges being made on XX/XX/2022. I assume they are virtual transactions so the ip addresses should pinpoint the location of these charges to exculpate me.
Product: Mortgage

I paid off my mortgage with SunTrust Bank on XX/XX/2021. I still have not received my escrow refund as of XX/XX/2021. I called and they pulled the " check is in the mail '' routine and said it must have been lost. They then said I have to wait 30 days for them to reissue a check. I then called after 30 days and they said it would take another 10 days for them to process a new check. This means best case scenario, I will receive my refund around XX/XX/2021 a full 60 plus days after paying off my mortgage loan with them. They are holding my money hostage - please help!! 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX. XXXX, XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : 1995 and list of Inquiries. 

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 a 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, credit repair services, or other personal consumer reports

I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.
Product: Debt collection

A former apartment complex { XXXX XXXX  XXXX XXXX } that myself and my daughter lived at for approximately 2 months are fraudulently trying to collect a debt from us via a collection agency : { National Credit System }. They placed this debt on each of our credit reports stating that we damaged their carpets via pet urine. Although a former attorney that I had last year emailed them showing verification that my daughter is severally allergic to pet danger. Therein, proving that we would never have a pet in the home. They also kept our paid deposit as a result of this illegal and unethical act. 

Can you please help us as my daughter is only XXXX XXXX XXXX and does not need her credit damaged because of this falsehood. Additionally, I even told National credit systems representative XXXX XXXX } that I would pay the false debt if she sent me proof in writing that the collections would be deleted after payment. But, she refused to do so, stating that I should just take her word for it. 

Additionally, National credit systems never sent me anything in writing before placing this debt on our credit files. This is also against the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my account. I contacted XXXX XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
Product: Checking or savings account

XXXX XXXX XXXX XXXX  number : XXXX called Citibank because my card would not transact. After crazy hold times I was verified in their system by phone number, logging into my app to authorize myself, birth date, social, and birthday. I was then told my account was being reviewed for fraud and I told them every transaction was valid because I check them every day. Continuing the conversation I was hung up on shortly after I was told itll take 24 hours to resolve. 
XX/XX/XXXX : called about 8 times, every time I was told the fraud department cant do anything and that it was under review by their back office. Over 24 hours later now I am fed up XX/XX/XXXX : filed a complaint with XXXX and that is currrntly being worked on. 
I have bills that need to be paid, I was never given notice that I had fraud in my bank account ( I am opted in for email and text notifications ) and come to find out there was not any fraud on the account begin with.

Surreal experience with this bank and I will either be withdrawing all funds ( if they ever unlock the account ) or requesting a check with all funds immediately after it is unfrozen