23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This alleged debt collection of {$300.00} stems from a XXXX  visit from XXXX. 

On XX/XX/XXXX, my wife was surpisingly served at her job a notice of a lawsuit for the alleged debt. 

On XX/XX/XXXX, we have attempted by certified mail and telephone calls, requesting for the attorney of the collection agency to validate this for us. With all these attempts they have failed to validate the debt. 

Today being XX/XX/XXXX, being 30 days from our formal request to vaildate the debt, they have failed to send any information validating this alleged debt, also they are refusing offers to settle and instead are accruing more attorney fees of which they are hoping to win in court. 

For instance, on XX/XX/XXXX, we recorded a call that we made to the collectors. This call that I intiated, I spoke with a XXXX at Credit Bureau Services and she declined our mailed and signed offer, an offer that was to pay the full amount, all intrest fees, and lawyer fees. At this point we just wanted the harrasment to stop. So we did everything possible and in good faith to resolve this small alleged debt we were being accused of owing. 

On this XX/XX/XXXX recorded call, she, XXXX, was incorrect about 2 important aspects of this claim. 

First, XXXX stated in the recorded phone call, that we had the wrong amount in our offer, not true. 

Secondly, that since I and my wife had signed the settlement agreement, it was no good because my wife, was not on this alleged debt or lawsuit so that is why they refused to accept the offer. ( We do have this phone call record as evidence. ) As you will see ALL the lawsuit papers they do in fact have my wife on as a clear defendant in this alleged debt. 

All this has been in direct refusal to abide by credit collection laws, validation of the debt, refusal to settle in its entirity of their requsted amount, stating my wife isn't on the complaint, however she is listed as a defendant. 

We have not heard any respose from them and they, the planiffs, as they appear to be prolonging a case that is only wasting court time and resouces and our time away from work and fees to send certified letters etc! 

This is nefarious at best. 

Thank you!
Product: Debt collection

I received a letter from McCarthy Burgess & Wolff concerning a debt that I dispute. I emailed them at the address listed in the letter on XXXX XXXX, XXXX and told them that I disputed the debt and to not contact me any further. I then received a call from them on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. The uploaded files are screenshots of the email I sent demanding they stop contacting me and also a screenshot of the subsequent calls from them.
Product: Credit reporting or other personal consumer reports

There was an Auto loan opened in XXXX  from XXXX XXXX XXXX. It was charged off, SOLD & FILED as a loss. XXXX XXXX XXXX is still reporting as if they are with holding the account after XXXX  years of the account being placed there but it has been sold.which is inaccurate. I sent info but it still on my report
Product: Money transfer, virtual currency, or money service

XXXX XXXX  identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Mortgage

On XXXX 2020 I submitted a form to refine my house and get an equity loan with JPMorgan Chase Bank XXXX A representative talked with me and explained all of the conditions, a week later I was told they changed the requirements, the needed me to have a higher credit score. I waited 3 months to resubmit the application and XX/XX/2020 I resubmitted the application because I had more points than needed to refine and other requirements. The representative told me I needed 12 months of payments of mortgage. All of the requirements I was told about, I had. One week later, I was called and they told me I dont meet the requirements, then she raised the amount of money that is required to be in the bank. My second application was not accepted. Ive tried to talk with more representatives of JP Morgan and the requirements that they say are necessary, I already have. I feel like the bank is playing with my credit at this point. I honestly need a firm answer because each representative seems to have their own requirements for credit. I just need a rigid answer because theyll add barriers as soon as I completed all of the requirements.
Product: Debt collection

XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$940.00} Credit Limit {$500.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF I have sent several letters to the company listed above. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address listed on the contract is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXXXX/XX/XXXX Automobile Dealers, Used XXXX   XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX   XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY
Product: Prepaid card

A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.
Product: Credit reporting or other personal consumer reports

This secondary CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681b, c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud within XXXX business days of you receiving this complaint. The inaccurate, incorrect and unverifiable account information as well as negative payment history and some hard inquiries that I do not recognize and that do not have permissible purpose to be on my Fico Consumer credit report in accordance with Fair Credit Reporting Act. These violations of my rights and the Fair Credit Reporting Act must be deleted immediately! These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The ACCOUNTS are as follows : closed XXXX XXXXXXXX account number XXXX opened on XX/XX/XXXX with XXXX months of inaccurate negative payment history and collections account XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX with XXXX months of inaccurate negative payment history. The fraudulent hard inquiries appearing on my consumer FICO credit report are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me therefore you are in violation of my rights protected by FCRA 605B ( 15 U.S.C. 1681b, c-2 ) and these items illegally reported must be deleted immediately! All of the aforementioned accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of you reporting inaccurate, incorrect, unverifiable information, identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

My mortgage servicer was transferred from Dovenmuehle to XXXX mid XXXX, with the XXXX payment due to XXXX. I have verified with XXXX that this is correct. I received notices in the mail from Dovenmuehle, XXXX and XXXX verifying this. 

Since this time, Ive made all required payments to XXXX and am in good standing with my mortgage. 

Since late XXXX, Ive received multiple calls from the collections department at Dovenmuehle, that I am delinquent on payments. When I inform them that they are no longer the servicer, they inform me that they show that is incorrect and I need to make a payment. Ive talked to their customer service department twice about this and have emailed them proof ( the letter they sent me, along with the letter from XXXX and XXXX ), but have yet to hear back. Additionally Ive received a collections letter from Dovenmuehle, stating I owe them two months payment and if not received by XXXX, they will start the foreclosure process.
Product: Debt collection

I XXXX XXXX received a debt collection notice from a XXXX XXXX XXXX of Gurstel Law Firm P.C. stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regards to the collection of a debt. Further more if so it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Product: Credit reporting or other personal consumer reports

I looked at my record report XX/XX/XXXX and Ive noticed some things that are incomplete and inaccurate and according to the fair credit reporting act whenever the summer reporting agency prepares a consumer reports it shall follow reasonable procedures team ashore maximum possible accuracy of the information concerning the individual about whom the report relates these accounts are in accurate Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. The bureaus XXXX XXXX XXXX XXXX XXXX XXXX According to 15 UCS 1681S/T a person shall not furnish any information relating to an consumer responding an agency 1681S/T a person shall not furnish any information relating to an consumer I need to see if the person knows or has responsibility what time is his information
Product: Payday loan, title loan, or personal loan

I was charged money for something I no longer even have. I deleted the app before I did anything and was charged XXXX dollars over a month later. I dont even have it anymore and never signed up for anything
Product: Debt collection

Not sure about anything on the XXXX  XXXX  account and XXXX  XXXX  still shows up with no proof of the letter from my chapter XXXX  Trustee off. Attached a screenshot shot all legal departments will be sent this complete to.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24 I made a payment of XXXX to my line of credit XXXX. It came out of my checking account ending in XXXX. For some reason it was " reversed '' on XX/XX/24, but the money never went back in my checking account. On XX/XX/XXXX and XXXX I called the bank at least XXXX times. Everyone just transfers the calls and I have to start all over again. People tell me they are putting me on hold to look at the issue and then they just transfer me to the beginning menu again. I was told I would receive a call from a manager. Then I was told that a special investigation had been opened up and that I would receive an answer in XXXX business days. I haven't heard anything back and when I called today, everyone I talked to was confused and incompetent like usual. There is no way to speak with anyone competent in the whole bank. And there is no way to get any help with issue. You can't write them. Their phone system is impossible to navigate to get to the direct department and if you do get there they just put you on hold and transfer you back to the beginning. There is basically a company culture of lying and then transferring calls back into the beginning of their phone tree.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already se

nt to the involved Bureaus. I have not received any responses yet
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}. 

Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time. 

OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}. 

I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there. 

On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed. 

On XX/XX/XXXX, I went inside the branch in XXXX  XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.
Product: Debt collection

Ally financial is not legally obligated to report to credit bureaus and is threatening to do so in order to receive a debt collection. According to 15 U.S. Code 1692e section ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Also In accordance with the Fair Credit Reporting Act, ALLY FINANCIAL, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received another can letter from Experian and XXXX  stating that they already verified the account listed below. But they never sent me any verification on this matter. 
This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 
Chapter XXXX Bankruptcy Case Number : XXXX This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation.
Product: Debt collection

On XX/XX/2012 a debt was placed with National Credit Systems Inc for a lease with XXXX XXXX apartments. It is a joint account with myself and one other person ( XXXX XXXX ). This is not our debt we never had a lease with the XXXX XXXX. XXXX XXXX has written a formal letter stating we do not owe this debt and the collection still refuses to remove the debt from our credit reports. I have copies of letters, certified mail receipts, and email correspondence proving efforts attempted to resolve this matter. For over 6 years this incorrect information has been on our credit reports preventing us from getting a place to live and ruining our credit,
Product: Credit reporting or other personal consumer reports

This company is resporting inaccurate information on my credit report. Theyre reporting a delinquent balance on a closed account since XX/XX/year>. The amount is also inaccurate. The FCRA states that everything reporting on my credit report should be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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