23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I the natural person XXXX XXXX received a letter from XXXX XXXX that I owed a debt of {$16000.00}. I have never done any business with XXXX XXXX and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
Product: Debt collection

On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.
Product: Credit reporting or other personal consumer reports

XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. 
XXXX discharge & release of garnishment XXXX  contacted XXXX XXXX XXXX. Was told account went back to Discover Bank. 
No further communication from Discover Bank. 
XXXX {$2400.00} still owed. Contacted Discovery bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. 
XXXX still no call or email from Discover. 
This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.
Product: Student loan

I paid off my student loan on XX/XX/year> and the payment was taken out quickly, but the payment hasnt reflected on the site and its accruing interest.
Product: Mortgage

O XXXX/XXXX/15 I submitted a grievance letter to my loan Servicer and Note holder and had a CFPB case number XXXX. They responded with a a letter regarding their services and being correct and to deal with my home builder on my grievances and did not address the specific questions regarding the transaction of my note. My grievance letter was very specific with mortgage broker fraud and appraisal fraud and predatory loan issues using bank statements for stated income and many other issues relating to the origination of the note and the transactions of the note to present. 
I sent a follow up letter in the portal to get my specific questions answered. They never responded to my second letter. I called the servicer and spoke with the point person assigned to my file. The point person stated, they closed the file and the compliance office will not speak direct to me and stated, this complaint file was closed and issue was addressed in their view. The point person said, maybe you should file another complaint, but this file is closed. I called CPFB, and asked if the file was closed. They stated they can only close the file, and to pursue this with a attorney and the FTC monitors the files and if they see something they will contact you. I can not afford an attorney at this time and now filling another complaint to get my grievances answered. As a consumer I am entitled to receive answers on my grievances made. It appears this is going to be a run around with my grievance, but I will keep trying to I get answers to my specific questions. I have followed the process as it was set up for, me, the consumer. Hopefully the other side with take time to address my grievances raised and provide their answers to my questions regarding my mortgage that I raised in my letter. I have also contacted my State Attorney Office with my grievances and my State Banking regulators with my grievances to see if they will address. I also sent to XXXX Federal agencies including this XXXX, my letter and the Servicer for the Note Holder letter response, to have a my grievances be addressed. I look forward the parties use this portal under the Federal government to have issues addressed for the consumer, such as I.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
Product: Debt collection

Today I received a collection notice from TrueAccord for a XXXX debt from XX/XX/year>. I suspect that I am a victim of identity theft because I have never had a XXXX  account. 

About a year ago, I received a call from and individual who said that he had a XXXX charge on his credit card account from my business, XXXX XXXX. I informed him that he needed to dispute the charge because neither I nor my company have a XXXX account, and my business does not deal directly with the public as we are a subcontractor that works solely with general contractors. Neither XXXX XXXX  or myself accept credit card payments. Thus, we have never interacted with XXXX. 

As this is not my debt.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 Bank of America. I have 2 accounts with this Financial institution. I have a contract for construction and to securely pay a vendor per our contract agreement. I chose to pay this through online email XXXX money transfer as a secure way to log and track all payments for legal contractual purposes. I understand the maximum daily transfer is {$2500.00}. I chose to break the payment up into 2 payment. XX/XX/18 {$2500.00} XX/XX/18 {$1500.00} XXXX this payment has been put on hold and a fraud alert has been placed on my account ) I called to verify payment and was not allowed confirm the payment requested. 
This is the 2nd issue with this institution in a week, first with Bill pay services that has caused me a {$45.00} NSF fee and a potential warrant for lack of payment to Superior Court and now a payment. Now, This has caused me to potential breach a construction contract for payment. I requested an investigation into this institution and business practices. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
Product: Money transfer, virtual currency, or money service

I am to writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

Company allowed me to go over limit ( which I didn't request or desire ) resulting in late charges and reporting to credit bureau. Only discovered the credit report issue today.
Product: Debt collection

I was contacted at work twice about a debt with Barclay Bank by their collection agency XXXX. I was told i had a debt of {$3600.00} which was {$840.00} over my credit limit. The account had been charged off but I only had a maximum delinquency of 120 days as reported by XXXX, but on XXXX it was reported delinquency for more than 180 days. These are inaccurate reporting. XXXX debt collector came to a settlement with me which I paid I was assured by the collector the account would be removed upon settlement, but after further contact they would just add a note on my report that it was paid, and would not be deleted this is misleading and violation of debt collection act. I later find out the original charge off was {$2800.00} as reported by the credit reporting bureaus. So i was lied to about the charge off amount when i requested validation I just received a paper with a balance on it and no account of the debt. That is not proper validation as required by the law, Their are too many inaccuracies i just want your company to delete the account of my credit report I have settled and made my payments. You can not mislead the consumers and have inaccurate reporting. On XXXX the charge off is still {$3600.00} updated charge off are not the same. Even with updated charge off my account should be settled and deleted like the collection agent said over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX card previously reported my account 30 days delinquent for XXXX of 2022. I filed a complaint, and demonstrated that I was not delinquent for XX/XX/2022 and they removed the delinquency. a couple weeks later they reported my account 30 days delinquent for XX/XX/2022. I filed a complaint and demonstrated that I was not delinquent for XX/XX/2022. They removed the XX/XX/2022 delinquency from my report, then a week later they reported me 30 days delinquent for XXXX again, even after I demonstrated that my payments were on time. Basically they continue to move this 30 day delinquency to different months despite me proving that all my payments were on time. I am attaching proof of my XX/XX/2022 and XX/XX/2022 payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
Product: Credit card or prepaid card

This problems started at the beginning of 2019. I have disputed a phony charge and after requesting some proof the vendor failed to submit proof. So, I did not pay the charge. However, Capital one removed the charge not the interest on the charge. 
Since then, I tried unsuccessfully to resolve this issue with Capital one customer service. Capital One continuously charging interest on any purchase I make since that disputed charge. 
In XX/XX/2019, I have sent two correspondence to XXXX XXXX and XXXX XXXX, who are supposed to be Capital One senior problem Resolution team member. 
No Action, I believe someone sent me an email saying they wanted to talk to me. Here is the problem on phone conversation : When I talk to someone at Capital One, I do not have any record as it happened during the initial stage of my conversation with Capital One. So, it is later denied that such conversation was ever happened. When a consumer talks or writes to Capital One, proper proof or documentation is required. 
So, I have written to XXXX XXXX and XXXX XXXX again on XX/XX/2019. 

Still no action. I have attached the supporting documentation hare. 
I am with Capital One for many years. Since the beginning of my business with Capital One, I have neither missed any payment nor carried a balance over to the next billing cycle. I have always paid my credit card billing cycle balance in full. 
As of today the Interest total charge is equal to {$85.00} including {$34.00} just for this months. 
So, I am writing to you for your help and to stop businesses from the improper practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud alert on my Equifax report. I did not request this. I have sent two letters requesting it be removed. It is still on there and they have never responded. As usual.
Product: Checking or savings account

I closed this bank account in XXXX after the former bank, XXXX XXXX, was acquired by Axos Bank. I recently discovered that I was a victim of a fraud in connection with a payment that I made from this bank account in XX/XX/XXXX. I have tried contacting Axos Bank to obtain a copy of my XXXX and XX/XX/XXXX bank statements and Axos told me they can not provide these bank statements due to their age. My understanding is that banks must retain such records for at least five years.
Product: Debt collection

On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company
Product: Credit reporting

Dear Sir or Madam, I disputed XXXX XXXX in the month of XXXX 2016, for the amount of XXXX dollars, and after the due diligence of XXXX Credit Bureau ; it was removed on XXXX/XXXX/2016. 
XXXX had the same amount on my XXXX Credit report which was successfully removed on XXXX/XXXX/2016. 
Both accounts were for the same alleged medical bill. 
Today I noticed that XXXX XXXX, phone number ( XXXX ), reported an amount of XXXX dollars on my Equifax Credit report. This dropped my credit score by XXXX points. 
It is apparent that this is a shell game, I 'm not sure how legal this activity is. I would like this removed from my credit report immediately. 
Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent an email on XX/XX/XXXX, but not just an ordinary email but to my school email. The scammer basically told me that he was a professor teaching disabled students abroad, and was in need of an assistant until he got back home ( XXXX ). The pay seemed nice and so I accepted the offer. On XX/XX/XXXX he had sent me a ( fake ) check of {$1900.00} to be deposited in my bank and I was to help pay for a security deposit of {$1400.00}. On XX/XX/XXXX I deposited the check, and on XX/XX/XXXX I sent two cashapp payments of {$400.00}. On XX/XX/XXXX I sent two payments off XXXX . Everything seemed normal until today XX/XX/XXXX my bank was in the negative {$1100.00}. I called my bank today XX/XX/XXXX and they told me that since I had already deposited the check and they gave me the money there's no way I could get the money back. They told me to resort to the police.
Product: Checking or savings account

On XX/XX/year> - I attempted to cash a check written from a business associate. I am an attorney and this check was from another attorney written to me personally. I presented the endorsed check to an " XXXX '' the branch manager at Chase XXXX XXXX XXXX XXXX, XXXX, TX who took the check and scanned it into the system. At that point, I was promptly told you have to deposit the check in order to cash it. The check was for approximately {$5000.00}. She confirmed there was no ID issue, no fraud issue and no issues regarding the funds being available but she wouldn't cash the check without me depositing it. I asked her for the check back. 

The morning of XX/XX/year> I was called by a XXXX XXXX at Chase you told me sorry thats just the way our system is. You may be able to cash it a few days later but I can't tell you when.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent account that is currently reporting id XXXX XXXX XXXX XXXX. I also have a slew of credit inquiries that I did not authorize and are fraudulent. I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Product: Mortgage

To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX
Product: Credit card or prepaid card

Originally I had a dispute regarding mattresses that were never delivered. On XX/XX/2019 Welks Fargo applied a credit of {$1200.00}. When the merchant returned the funds, Wells Fargo applied an additional credit of {$1200.00} on XX/XX/2019. All ai see on my account was that I was extended credit over {$6500.00}. I spend some of it. Then on XX/XX/2019, Wells Fargo removes one of them stating they made an error. But I already spent on it. They then said I had an online cash advance of {$600.00}. I have no idea what that was, or how I would have gotten any cash from that transaction. If I wanted/needed cash I would have gone to an ATM to get cash in my hands. I did not request any online cash advance They then charged me an overlimit amount of {$750.00} and demanded I pay over {$900.00} as a minimum payment, which was well out of my budget. This adversely affected my credit. 

They have since refused to fix these issues and are now suing me for {$7700.00} and change.
Product: Mortgage

hello sirs, I have a conventional mortgage that was taken out with XXXX XXXX, they sold it to other servicers, i never had any prior issues, as i pay my mortgage timely monthly and pay for years now my property taxes and insurance directly to the state and insurance company as is agreed upon in the mortgage documents, all of a sudden a new servicer took over the loan servicing, dovenmuehle mortgage loan servicing, and i was harassed immediately on them opening an excrow account to pay my taxes, i responded to them in writing telling them that i did not authorized any escrow account on my mortgage and that i would pay the taxes directly as i done for years, they did not respect my wishes and opened an escrow account paid the taxes with out my consent and are doubling my monthly mortgage payment to {$4600.00} dollars monthly from {$2300.00} and taxes are only {$490.00} dollars per month etc expenses and want to escrow over {$10000.00} dollars in escrow. this is all done to force me to default and loose my property in an unclean hands action against me.. where fore i need the CFPB to investigate this matter and take actions against this mortgage servicer.
Product: Credit card or prepaid card

Was told  by NFCU employee I can pay off my cash advance balance. Payed more t  han I wanted to to  pay it off. Things got bad for me. I am a mentally   XXXX   XXXX   with a fixed income and have a very difficult time dealing with people after what happened in the military. This is ridiculous that I have to bring this to a government agency to help. I calle d NFCU MUTLITPLE ON MUTIPLE of times about this and every single time every supervisor refuses to make the adjustment and refuses to give me any further information about NFCU  or what to do anything or contact anyone about my problem and refuses to help further everytime.     I do n't want this for the next  XXXX . This is n't fair and is stealing in a nutshell. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not deleted these unknown inquiries-XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX has not deleted these unknown inquires, XXXX XXXX XXXX has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts ; XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions