23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I recieved a notice from my Bank following my concerns about not receiving information about Richard Sokoloff taking money from my bank account. 

The notice, which at this point I don't think is legal refers to a previous bill mentioned in my first few claims against XXXX XXXX. 
The bill is recycled. I paid as mentioned in my claims {$200.00} for 8 months that is {$1600.00}. In an agreement to pay plan, XXXX XXXX was directly withdrawing {$200.00} from may bank account beginning in XX/XX/XXXX, he skipped XXXX for whatever reason, but I believe it's part of his strategy to get more money, again and again. Additional dates money was withdrew were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, He skipped XXXX, then picked up in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received a letter by mail from Richard Sokoloff office Attorney at Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The letter stated that my bank account was " restrained due to a bill from XXXX XXXXXXXX XXXX  XXXX in the amount of {$2.00}, XXXX. This was weeks after Richard Sokoloff had just taken a payment of XXXX on XXXX XXXX. At that point I had already paid {$1600.00}. 

In XX/XX/XXXX he sent a stipulation agreement and balance amount. XXXX XXXX requested that I sign two copies of the stipulation and that he would sign and return the 2nd one.I signed the stipulation although I was ailready paying before XXXX XXXX stopped obtaining payments and went straight for my bank account illegally. I never heard or received anything from XXXX XXXX since XX/XX/XXXX. 

Now XXXX XXXX show up again on XX/XX/XXXX to take {$5.00}, XXXX. XXXX from my bank account. Why does this office allow the consumers to continuously be violated. 

This is another claim to show how XXXX XXXX is manipulating me out of money in a criminalizing way. It shows how he uses this strategy to confuse me and many others. He is abusing his power and threatening my family wellbeing.
Product: Debt collection

First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.
Product: Checking or savings account

On XX/XX/22 I went into chase bank located at XXXX XXXX XXXX XXXX XXXX fl XXXX to do an over the counter withdrawal with my XXXX XXXX  card. This is something I do every week at this location so I am familiar with how it works. The teller asked me to swipe my card the her system froze. The teller asked me could I swipe my card again because her system froze the first time and all the information disappeared. I swiped my card for the second time and her system froze again. She then asked me if I could check my net spend balance to see if the money came off my card. I showed her the baking app and text message I received showing the transaction amount {$1400.00} date and time showing the money was taken by CHASE BANK XXXX. She then said her system Was froze and she could not give me the money. I asked to speak to the branch manager who told me I needed to call XXXX  because she was not sure what to do. I contacted netspend while standing in the branch and they confirmed the transaction had indeed gone through in the amount of {$1400.00} at chase bank. They asked me to ask the branch manager to go in and cancel the transaction but she refused. They then said to get a letter or receipt from chase bank showing the transaction did not go through and chase branch manger XXXX XXXX refused both. I asked her how would I be able to prove they did not give me the cash if she doesnt provide me with proof to be able to dispute it or get the transaction reversed. She said she understood but did not know how to assist. She then gave me the number to CHASE customer receive which I called and they told me as the branch manager she should be able to see the transaction went through or provide me with a transaction number or a letter stating the funds were not dispersed but again XXXX refused. The agent over the phone with CHASE stated he would file a formal complaint against the branch manager but still I do not have my funds.
Product: Vehicle loan or lease

I have a loan with HYUNDAI CAPITAL AMERIC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HYUNDAI CAPITAL AMERIC with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Student loan

Subject : Formal Complaint Regarding Student Loan Data Breach and Credit Reporting Violations To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the unauthorized exposure of my personal student loan information in connection with the recent data breach involving loan servicer Navient. 
This breach has placed my sensitive financial and personal data at risk, potentially violating the provisions of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. Due to this incident, I am seeking an immediate investigation and resolution of the following concerns : 1. Unauthorized Exposure of Personally Identifiable Information ( PII ) My personal and financial information was compromised due to inadequate security measures. This may have led to fraudulent activity, unauthorized access to my credit file, or potential identity theft. 
2. Inaccurate or Fraudulent Credit Reporting I request a thorough review of my credit report to identify any inaccuracies, fraudulent accounts, or unauthorized changes related to my student loans. Under the FCRA, I am entitled to accurate credit reporting and request immediate corrections for any discrepancies.

3. Failure to Properly Notify and Protect Borrowers I believe the affected loan servicer ( s ) failed to promptly notify borrowers of the breach, delaying necessary steps to protect against financial harm. Additionally, they must implement stronger security measures to prevent further breaches.

4. Potential Violations of Federal Consumer Protection Laws I am requesting an investigation into whether my rights under the FCRA, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable regulations have been violated due to negligent handling of my data.
Product: Mortgage

Have had issues with Caliber Home Loans from the beginning ( XX/XX/XXXX ). When a representative is finally contacted, customers are sent to different " departments '' or need to get answers from " another department ''. I contacted the company about removing PMI, as the loan to value ratio was at 75 %. I paid the {$100.00} BPO fee. after several weeks, I received a letter stating they could not access my property. The property address is XXXX XXXX XXXX, and it is just that. An island accessible only by boat, from a private citizen. I fully explained this to the company multiple times prior to this. The company then wanted me to go to a third party website for XXXX, a company that does remote appraisals/evaluations. After several unsuccessful attempts to do that, I again contacted Caliber, and asked the representative to email me specific instructions for the process, and was told they don't email. Yet I get emails from Caliber regularly wanting me to refinance. This process has been going on since XX/XX/XXXX. I've spoken to no less than 6 people about this, including supervisors, who have promised to get answers and get back to me. No call has ever been returned from this company. Out of sheer frustration and disgust, I refinanced the property with another company. I have still not received the refund of the BPO fee. The company has notified me in writing, as well as several times on the phone, that they will refund the BPO fee, yet nobody can figure out " where it is '' to refund it. I'm tired of the 6 month runaround over {$100.00}. The company refuses to take any action, I hope this agency can help. Thank You
Product: Checking or savings account

Yes hi my name is XXXX XXXX and bank. I was recently a Bank of America, client and the bank close my account without any knowledge of me. XXXX and I got funds that are gon na be going into that account on XXXX XXXX for XXXX and then I have my XXXX Social Security XXXX check that will be going in on XX/XX/2023 and I need access to the funds immediately to be able to pay my bills and things that I had to sell and the bank is saying that I wont have access to reading funds until probably the end of XXXX or beginning of XXXX and I can not go that long so I will please like you to help me get my funds reimbursed then and help me get access to my flaims The metet Great ouwes soon as they going to the account please its an emergency I have to pay my bills
Product: Checking or savings account

On XX/XX/year> someone fraudulently emptied my saving and checking account. I just happened to open my account and catch these unauthorized transactions from someone that was draining my savings account and putting the money in my checking account, then taking all the money. I was UNABLE to access anyone at SOFI for XXXX min- just the robo stuff. When I finally did, the XXXX XXXX instructed me to a page where i WAS ABLE TO STOP XXXX TRANSACTION, but unable to stop the one that was already in pending status. 
I am furiously asking the CS rep what to do next, how is this possible, who can i call... etc. The answer was Someone from SOFI will be back to you in XXXX hours. No one right now. I assumed because of the time zone difference. 
Exactly XXXX week later, on a Monday, at approx the same time, as I was checking my account ( Still no one from Sofi contacted me ) because I had a large loan payment coming out, the Identical thing happened!. The money was drained from the XXXX account to the Checking account. And this time, the transactions could not be stopped! I NEVER heard ANYTHING from SOFI re : these occurrences until the 'past due loan dept '' called me and I yelled at them and said that you aren't able to help me retrieve my money but you want your money. That representative made out the XXXX report. I am XXXX XXXX XXXX. I told them that I have NO understanding how this occurred. But if you check all of my transactions for my entire life 's history, I have never had anything like this occur. I didn't know the perpetrators. I hadn't been late in a payment in 20 years. And why would would I drain my own account in the face of a {$1900.00} loan. 
I want my funds returned. I want the perpetrators caught and punished. I want a better streamlined SOFI system to handle these issues, not just pleasant, calm Customer service reps who are super friendly but totally useless- like people living in a silo 's unable to render real assistance. And when the Customer is told that someone will return your call, its not in XXXX hours, or XXXX business days-and they never do!. UNACCEPTABLE! 
The company has already responded to California BBB that I made the transactions and that this is not fraud and I will NOT retrieve my {$7000.00}
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. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my XXXX and Equifax accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.
Product: Credit card or prepaid card

On XXXX I responded to an on-line Pre-approved CapitalOne credit card offer with a {$150.00} sign-on-bonus with an immediate computer-generated response that said I was denied even though I have an excellent credit score of XXXX and above ; depending on the reporting agency. Although I was denied the card with the sign-on bonus, CapitalOne offered me another card that said I was approved for, but I denied the offer because I recognized it as a fraudulent bait and switch scam and I didnt want to do business with a company like that. 
This was a fraudulent bait and switch scheme that was clearly aimed at getting my business but without paying me the sign-on bonus. When I received a denial letter shortly after, all the reasons were untrue and invalid such as too many inquiries in the last 12 months which I had none. It also claimed amount on revolving accounts too high which as of this date XXXX  XXXX  shows utilization of XXXX {$580.00} out of {$110000.00} but the main question is How can I be denied for a card yet approved for a card for the very same reasons? 
This is a scam and it has affected my credit score by adding two inquiries which CapitalOne has refused to remove when I spoke to an agent by the name of XXXX employee # XXXX at XXXX. When I asked how can I be denied for a card yet approved for a card for the very same reasons the employee lied to me and said I was denied the other card also and became belligerent. It should be obvious thats a lie because why would another card be even mentioned at all if I didnt qualify for a credit card, yet she knew about the offer. 
I want the inquiries removed but I want CapitalOne to be cited and to be prohibited from engaging in marketing scams that can affect peoples credit without recourse. 
Please stop these frauds from doing this to others and hold them accountable.
Product: Debt collection

Hello, I was recently alerted to a change in my credit score, When I checked it out there was a new collections on my account from XXXX sometime, After I researched it I contacted the said original creditor and they admitted the credit card was mailed to an address thats not mine and was used and never paid, As I explained it was 100 % not my account they said its not there problem any longer and I needed to contact the new collection agency which is Midland Credit, So as I contacted Midland credit the representative was very rude and ignorant stating there is nothing I can do but pay in full {$690.00} or settle for {$510.00} but as I explained its not my account they were only interested in getting paid, I have disputed this account with all 3 credit bureaus only to have It come back as accurate, This makes absolutely no sense to me due to this not being my account, Now this account shows as closed with a derogatory Mark on my credit report in which significantly lowered my scores, I dont have any where else to turn for help because it seems Im getting stuck with someone elses debt, Can you please help me? 

Original Creditor : XXXX XXXX XXXX Original Amount of credit : {$300.00} Card mailed to XXXX XXXX XXXX XXXX Pa XXXX Opened XX/XX/2019. 

New creditor : Midland credit XXXX. Fax #. XXXX XXXX. Account XXXX. 
My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Thank you
Product: Debt collection

XXXX XXXX XXXX XX/XX/2018, {$7200.00} Asked the company to verify the debt. Nothing received. 

They claimed they purchased the debt ( pennies on the dollar ), they want me to pay that amount so they can remove it from my credit report ( XXXX )
Product: Credit card

Since XXXX, I have experienced repeated issues with receiving billing statements for my credit account due to unreliable mail delivery at my previous address. This has prevented me from reviewing my statements or making timely payments. 
Additionally, my cellular device was stolen, which has further restricted my ability to access account information through email or online portals. As a result, I have been unable to make payments or stay updated on my account status. 
In XXXX, I attempted to investigate the matter and discovered that my statements had not been reaching me. Despite my efforts to stay on top of my obligations, the circumstances have led to missed payments, which I believe constitute billing errors under the Fair Credit Billing Act ( FCBA ). 
I am now requesting that the company : XXXX. Update my address to ensure future correspondence is received promptly. 
XXXX. Provide me with a current billing statement by mail so l can remit payment immediately. 
XXXX. Waive any late fees or penalties related to these issues while an investigation is conducted. 
These events have caused unnecessary stress, and I hope to resolve this matter promptly. 
This description excludes your personal details
Product: Credit reporting, credit repair services, or other personal consumer reports

Fig Tech Inc ( XXXX ) is reporting derogatory information regarding a loan account to ALL XXXX of my credit bureaus. I mailed Fig Tech Inc certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Fig Tech Inc . Fig Tech Inc claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a signed contract for the loan account account. Fig Tech Inc refuses to send me the request signed contract. The only thing Fig Tech Inc has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the loan account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Fig Tech Inc 's website, the website also makes reference to there being a loan agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported loan account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either loan account.
Product: Student loan

Navient is making harassing calls to one of my family members who has nothing to do with my student loans.
Product: Debt collection

I wanted to see if they have a forward flow agreement with my signature and I wanted them to remove it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation of Dispute Under FCRA Dear Equifax, I hope this letter finds you well. I am writing to formally dispute the failure of your agency to investigate a dispute that I submitted on XX/XX/year>, XX/XX/year> and XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ask for an investigation regarding inaccurate or incomplete information on my credit report. 

The specific information I am disputing pertains to inaccurate items reporting within my credit report. According to the FCRA, you are required to conduct a reasonable investigation into my dispute and provide me with the results of that investigation. 

Despite my previous correspondence, I have not received a timely or substantive response regarding the status of my dispute. As I understand, Section 611 of the FCRA outlines the requirement for you to investigate disputed information within a reasonable time frame and to notify me of the findings thereafter.

I kindly request that you reinstate the investigation of my dispute and provide me with an update on its status. Furthermore, I request that you ensure the accuracy of the information being disputed and provide the necessary documentation to support your findings as well. 

Enclosed are copies of the specific accounts I am disputing. I trust that you will handle my request with the urgency it deserves in compliance with the FCRA. 

Please respond to me at your earliest convenience to confirm receipt of this letter and provide an update on the status of my dispute investigation. 

Thank you for your attention to this matter. 

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

Experian is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.
Product: Debt collection

An agent from Phoenix Financial continues to harassment after I have asked him to stop several times on several different occassions. His name is XXXX. He calls uo until XXXX at night. He calls from several different phone numbers.