23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After defaulting on a home improvement loan from XXXX ( XXXX ), I entered into debt collection with Kirschenbaum , Phillips & Levy , P.C . ( KPLPC ). It was arranged to deduct $ XXXX/month from my checking to pay the ~ {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, KPLPC, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called KPLPC in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with XXXX and would resolve the issue. At this time, I was still getting " bills '' from XXXX, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to XXXX. 
Come XX/XX/XXXX, I still had not had the issue resolved by KPLPC. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XXXX. 
Come XXXX XXXX, no resolution. At this point, XXXX sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted XXXX directly to ask what was happening. XXXX claimed they were in contact with KPLPC, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. XXXX also claimed they sent the money back to KPLPC. I emailed and called KPLPC with this information and got this in return from XXXX XXXX - " I was able to talk to XXXX this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at XXXX that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with XXXX, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.
Product: Debt collection

This is the 3rd collection agency sending me Collection notices and placed this debt on my credit profile. I advised the original creditor this is not my bill and also this collections agency and they still placed this on my credit as debt
Product: Mortgage

Citizens overpaid my property taxes by {$1200.00} in XX/XX/2022 causing a shortage in my escrow account. Because of THEIR mistake, they are now raising our monthly mortgage. This large error would not have happened had I been managing and paying my bills myself. You would think an escrow department that specializes in these types of things would not be so careless. What is the point of having them handle these things if they only cause stress and damage? 

I have contacted Citizens multiple times about this and they said to just pay the increased amount and wait until the next analysis done in a year, which is absolutely unacceptable. Why should I pay the much higher mortgage for an entire year because of their error? CITIZENS should cover this portion of the shortage since they are at fault. 

Citizens received XXXX tax bills for our property, XXXX was the correct amount, the other was an incorrect amount, yet they made the error of paying both and are trying to make me pay for it. Their employees clearly did not care enough to look at my account and see that the property tax had already been paid before paying it yet again. How can they be so careless with other people 's money? Why are they allowed to make mistakes like this and not be held accountable and just pass the consequences onto the innocent party?
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts. Capital One misrepresented the XXXXXXXX XXXX account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their their advertised promises.
Product: Debt collection

My name is XXXX XXXX XXXX and I am a federally protected consumer, and I am making this complaint against Wakefield and Associates, for committing identity theft. I have never given Wakefield and Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Wakefield and Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield and Associates any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Wakefield and Associates, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield and Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this alleged debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield and Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield and Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield and Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, TRANSUNION, XXXX have violated my rights along with XXXX XXXX allowing a late payment reporting to my report. 

Creditor : XXXXXXXX XXXX  Dates : XX/XX/XXXX & XX/XX/XXXX Account # XXXX 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. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following charged off account is reporting on my internal and external Chex Systems Consumer Report ID : XXXX, XXXX XXXX XXXX Checking Account for {$7500.00}. The account isnt my account. Its a fraudulent checking account. The checking account wasnt my account. Im not able to open up a checking account with XXXX XXXX  ( XXXX XXXX ) due to the fraudulent account listed on my internal and external Chex Systems Consumer Report. I have a current police report on file with Chex Systems in regards to me being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the XXXX account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  XXXX Balance : {$36.00} ; XXXX XXXX XXXX XXXX XXXX {$8600.00} ; XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX
Product: Debt collection

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Checking or savings account

I have a checking account with Citibank. I recently received an email that there was fraud on my account and that they had locked my account. Then they emailed me saying that the account is to be closed due to a violation of the terms of my account per the client manual. 

I did not do anything that violated their terms and I have tried to call them to figure out what the issue is but they leave me on hold for hours and then when I finally talk to someone, they tell me the account will be closed and they hang up.
Product: Credit reporting

Judgment was dismissed and settled ... never should have been placed on credit report per court agreement and settlement.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, the owner of State Farm in XXXX CT has been my life insurance agent for about 20 years and that is how long my IRA has been with him. 

Late last year XXXX XXXX took over State Farm IRA/Mutual Funds and only the agent - not telephone or online - trading/withdrawals could be perform these transactions. XXXX told me he didnt go for training and he whined - maybe I should just move my IRA account. 

I didnt know how to do that and XXXX messed up a transaction I have reported to all agencies and still no real satisfaction. I did recoup {$100.00} that he didnt have put into my checking account but when I discovered the $ error - XXXX did nothing to correct it. I had to go to XXXX and I dont know if they just took out more XXXX XXXX made 2 transactions for one simple {$500.00} cash request and messed up my IRA account. 

After a full month of trying to rectify this, I went over to XXXX. I couldnt have XXXX do any more transactions and XXXX refused to admit his error - giving me less $ for a transaction. 

I want the {$70.00} fee State Farm is charging me to transfer my IRA to XXXX refunded to me by State Farm. I have no access to my IRA $ which I need as a XXXX senior for monthly household expenses. This whole ordeal has left me without funds and its a real worry. I also have a XXXX daughter - its just the two of us. 

XXXX told me he could not get my {$70.00} and to just report it. 

Thanks for any help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Acct # XXXX Balance # {$1400.00} Close Account Business Credit Card I have constantly been disputing this matter with Equifax Credit Bureau and its the same result no purchase agreement or credit report. Same answer every time its been verified with no proof. This account is not mine never had a business credit card with this company reported multiple times fraudulent activity even contacted XXXX XXXX XXXX  same result not my account. Equifax done had multiple security breach and people personal info have been stolen.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

For the 2 months Navy Federal has been taking overdraft fees. Im in the XXXX  program. Dont matter if the amount post the next day I get charged {$20.00} per transaction.
Product: Debt collection

I requested complete debt validation I did not receive complete transparency This debt was written off with a XXXX balance. 
I'm requesting Jefferson capital systems provide valid documentation that verifies the amount they paid to buy this debt of {$1000.00} I want to see the signature I put on any contract guaranteeing I would pay Jefferson Capital systems for this debt. I want proof Jefferson Capital systems have the chain of title to collect on this debt.
Product: Checking or savings account

This complain is in regards to deficient costumer service communication and false statement that the concern will be adresed. 
The bank charged fees to my account without my knowledge or consent. No proper comunication was sent to me to inform that due to change iin balance a XXXX $ fee will be applied. 
4 years ago I opened a checking and savings combo accounts. I kept XXXX k in the account for years. 
in XXXX of this year I had to transfer XXXX K which left me with XXXX k in the accounts combined. Later on when logging back into the accounts noted that my checking account has been closed without my knowledge and that I was charged XXXX $ in overdraft and account service fees. On my statements there are fees for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After calling the bank they informed me that the fees were charged for account servicing because my combined balance is under XXXX K information that I was no aware, no written communication has been sent to me prior to making the charges. I stated that was not awarre of such policy as no recent information was sent to me. I have multiple other bank accounts with XXXX and BMO but none of them has such ridiculous policies and even if I was informed 4 years ago when I opened that account, new updated information should be sent every year or at least when there is such major balance change in the account. Citi even closed my XXXX account without my knowledge. I called XXXX different ocasions to speak with XXXX and request the XXXX $ charged in fees to be refunded.. 
First time was informed that all XXXX fees will be tranfered in XXXX days back into account. after a week I followed up and got to speak with a very rude CS rep and when I saw that discussion is not going anywhere and he is not understanding the problem I had- I asked o be transfered to a differrent CS. The supervisor answered and seemed like she is adressing the issue and while I was waiting on the line, she started to pretend that connection got disconected and could not hear me even though I could perfectly hear her. I waited for XXXX min for a call back but was not returned therefore called once again and adressed the matter with a different XXXX rep who assured me that the other XXXX fees for XX/XX/XXXX and XXXX will be in full refunded to my account within XXXX days. XXXX weeks passed since then!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX XXXX XXXX showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX XXXX  member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXX XXXX 

I was supposed to receive FOLLOW UP by the XXXX INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed XXXX  again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the XXXX customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with XXXX  all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

XXXX  reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and FICO score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two XXXX  accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to XXXX  but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of XXXX  to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY XXXX  ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until XXXX  confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in XXXX  and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I was about to withdraw my money in PayPal and my request got rejected, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with the fraud department for XXXX, Equifax and XXXX. I pointed out over 25 unauthorized inquiries I found on my credit report, on XX/XX/XXXX, I went to apply for a personal loan and was denied. When the company pulled my credit, I was informed that my credit score was below XXXX. This is a problem because I haven't applied for any credit within the last 2 years. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Debt collection

This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.