23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a new and separate complaint about Hodosh and Lyon, a fraudulent debt collection firm located in XXXX XXXX XXXX. I am also making a complaint to the State of XXXX XXXX XXXX XXXX XXXX for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from XXXX XXXX XXXX ( XXXX ) and/or XXXX XXXX XXXX was litigated at XXXX  Superior Court , XXXX # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by XXXX that references an account ending in # XXXX, but attached to that affidavit is a XXXX XXXX statement ending in # XXXX. Hodosh and Lyon 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has called me twice and admitted XXXX had NO records for the XXXX  statement and account ending in # XXXX ( and later changed to # XXXX by XXXX ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, XXXX, has admitted they have no proof, Hodosh and Lyon falsely claim this office, in consultation with XXXX XXXX XXXX XXXX, have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

Hodosh and Lyon did not stop there. They made additional and intentionally false claims against me by attaching two unrelated statements from XXXX cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. Hodosh and Lyon are fraudulent debt collectors who bought an alleged debt that even the originator ( XXXX  ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject XXXX XXXX  card ending in # XXXX, which account was allegedly changed to XXXX XXXX XXXX # XXXX. This debt collection firm needs to have its law license revoked.
Product: Credit reporting

FHA is requiring me to be late due to a short sale via a hardship. 

Divorce proceedings were started XX/XX/XXXX and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Bankruptcy - XXXX Bankruptcy - XXXX
Product: Credit card

I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. 
I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX  acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted Experian, XXXX, and XXXX and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.
Product: Checking or savings account

Went to XXXX bank on XX/XX/2023 at about XXXX PM to close custodian account since I am now XXXX years of age. And was denied by the teller then spoke to XXXX XXXX at XXXX bank and was given a copy of a policy that only speaks about minors having to have the custodian with them. After speaking with XXXX XXXX and him making several phone calls. I was shown the same policy that strictly speaks of minors on accounts. And was denied access to my funds on my custodian CD. Also denied any account if. He only stated that he saw the account. 
Left a message for XXXX XXXX to contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Product: Student loan

I've ( XXXX veteran of foreign wars ) worked in XXXX  in XXXX and XXXX and XXXX. The schools accredited or not, have refused to sign the student loan forgiveness letter provided by Navient. Navient requires the school finance officer to sign the document. However, what if the school won't sign it due to workplace issues or even forced labor? I was XXXX  five subjects at XXXX XXXX. Also, one year of XXXX  in XXXX is equal to XXXX  five years in American hardship schools and location. I have XXXX here for five years resulting in my inability to pay my student loans. XXXX  in XXXX as a military veteran, a mentor in the classroom, is almost priceless. I would like XXXX $ forgiveness for every 3 months employed as a XXXX in a third world country. Technically, the schools can force foreign migrant XXXX, even American veterans, to work illegally by not providing a work permit or even outpatient health insurance. I am at greater risk here than when I served in XXXX! Indeed, I do not get hazard duty pay. My competition for XXXX  jobs comes from the XXXX XXXX who comes here to XXXX almost for free on year contracts. This makes it harder for me to maintain full time positions without allowing for modern day slavery.
Product: Checking or savings account

I had high hopes for this bank and after only 2 months I am closing my account. I went to an BOA ATM on XX/XX/2019 at approximately XXXX XXXX and attempted to deposit {$60.00} - {$70.00} dollars into the ATM. I use this same ATM frequently to deposit funds, it's usually quick and convenient considering the bank near me has no drive through options, and the inside is extremely busy all the time. The BOA ATM malfunctioned, gave me card back but said it was unable to give me back the funds I put in it. I go inside the bank, no help. I call to file a claim, with hopes of money getting put in my account expedited because it was for a bill, and I work at a bank so I know it can take 10 days, but there are procedures to get it expedited. Only to get told I still have to wait 10 days to get my money back by three different reps and a supervisor because of the age of my account. All for an error caused by the bank. No one stole money out of my account, there was NO FRAUD, my card was not lost or stolen, I was not irresponsible. BOA ATM Malfunctioned and kept my money. Now, I have late fees on the bill I was going pay, BOA will not reimburse me for that of course. The money was for a bill I was needed to pay today, and now I will have late fees, all because of your ATM malfunctioning. This completely unacceptable and unfair to me as an customer. 

Ive lost 0 trust with you all as a bank. Knowing something like this can happen with a small amount money and this bank wont do anything to rectify the situation, which was caused by their own ATM machine not properly working.
Product: Mortgage

The co-owner of my home was laid off on XX/XX/21. I contacted the mortgage company on XX/XX/21 to request an interest rate reduction ( loan modification ) so that I could make the payments solely on my income. My current rate is 7.25 % and that amounts to over {$1600.00} added on to the principal payment. I continually followed up with the lender via phone calls and emails and had two conference calls with " relationship managers ''. They claimed they did not receive all of the needed documents. I submitted the entire package twice. Today I was told that my request for modification was closed because a document is missing - there are no documents missing and I verified this on XX/XX/21 with the lender. No one even informed me that my request had been closed! 
They are intentionally and successfully stalling my request for assistance. I am going to send the entire modification package to them again tomorrow, for the third time. They tell me it will take another 30 days to review it. They should know my name and my circumstance by heart at this point. I am being honest and reaching out to the lender before my mortgage goes into arrears, and I am being ignored. I need help!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please 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 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
Product: Credit card or prepaid card

I filed a fraud claim with Bank Of America after {$2600.00} was illegally withdrawn from my account using my PIN number on XX/XX/2020. Bank of America has since determined that those withdrawals were legitimate and have refused to divulge how they have reached that conclusion with me. Furthermore, they have closed my account disallowing me from receiving any benefits from the EDD since I have filed my claim. I have not been reimbursed and every time I contact them, I get a different response. This all violates their own card holder agreement. The principal reason this fraud is occurring to so many people is that Bank of America has issued EDD debit cards without security chips that encrypt sensitive information leaving them vulnerable to fraud via ATM skimmers. Bank of America is avoiding blame, refusing to see this through, and due to their own negligence have further compromised my situation by unjustly closing me account making subsequent payments from the EDD that I am rightfully and legally entitled to unavailable to me due to the banks decision to close my account and offer no recourse. I have filed a police report regarding this matter, the media has contacted me regarding this matter, and I am now reaching out for help to pressure Bank of America to act with integrity. Please help.
Product: Debt collection

I have disputed many times with LVNV funding that I have no legal binding contract with them. This corporation keeps acting in fraud and damaging my credit report for a debt which is not owed nor that I have a legal binding contract with them. Where is my signature showing I have any agreement with LVNV funding? This is fraud and it must be removed from the report promptly. LVNV Funding can't show mrea legal binding contract with my signature showing I am responsible to pay them a debt.
Product: Consumer Loan

I set up auto pay through my financial institution to pay this company monthly. There have been several payments made electronically with no issue. Now all of a sudden they can not locate my XX/XX/XXXX payment that was due on XX/XX/2017. I started to receive several phone calls from this company regarding this issue. I explained to the representatives that the bill was paid and verified through my online banking and they continued to tell me that i was wrong and the payment has not been received. The representatives continued to blame everyone from my bank, to the post office as well as myself for even having to borrow a sum of money. Since this company is a 3rd party lender, i contacted the parent company XXXX, regarding this issue. After filing a complaint with XXXX, a manager, XXXX XXXX, that represents the company called me regarding this issue. I took this opportunity to call my financial institution that paid this company and had them on the phone at the same time. My bank had sent the lender a rolling bank statement via fax showing that the payment was made on XX/XX/2017 at XXXX ET and that the payment was accepted. My financial institution told XXXX XXXX that they needed a statement on their company letterhead stating that the payment was not received on the date and time the statement states the payment was made. XXXX XXXX did not seem to understand why she needed to do that and stated that she had to run it by the " lawyers '' which seemed very odd and concerning. XXXX XXXX did not seem to agree with the fact that she had to dig a little deeper into the issue seeing as how her company is alleging that the payment was n't made and disputing the issue. I did EVERYTHING i needed to and also went above and beyond considering that all my information states the bill has been paid. XXXX XXXX was also given direct contacts along with their phone numbers, e-mails and rolling bank statements. It is not my fault that this company can not keep track of the payments that are received. I set this bill up for auto pay so i would not have this issue. i have also made several attempts to contact a representative from this company, along with leaving XXXX XXXX several voice mails requesting an update regarding this issue with no response. Also this company has several reviews online with similar issues. Something needs to be done regarding this company. Many issues have been reported online very similar to the issue that i am having.
Product: Debt collection

On XX/XX/XXXX I was contacted by Peter Roberts & Associates , Inc.,  XXXX, MA about a collection debt in reference to emergency room services that were provided by XXXX Hospital on XX/XX/XXXX for my son. XXXX XXXX paid the allowed amount ( {$210.00} ) to the hospital. Payment was accepted by the hospital.

Peter Roberts & Associates, Inc. provided a statement from the  hospital that shows that the balance for XX/XX/XXXX was {$0.00}. The same letter shows that on XX/XX/XXXX a bill of {$450.00} was marked as a Collections Write-Off. 

On XX/XX/XXXX I wrote to Peter Roberts & Associates , Inc. with receipts from XXXX XXXX showing that the bill had been paid and accepted by XXXX Hospital. It also included documentation showing that the {$450.00} was not a billable amount and that the " provider is prohibited from billing the patient for the difference ''. I explained that this is clearly an accounting error on the part of the hospital. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again wrote with no further documentation and demanded payment again. 

On XX/XX/XXXX I again wrote to Peter Roberts & Associates , Inc. and  summarized my previous statements that this bill is an accounting error and I specifically indicated that they DO NOT have permission to further harass me on this issue. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again sent a  collection bill to myself. 

On or about XX/XX/XXXX Peter Roberts & Associates, Inc filed a claim with both XXXX & XXXX  Credit Reporting Agencies. 

On XX/XX/XXXX I disputed the claims with XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to see incorrect accounts listed, and I dont understand why. I regularly review my report, but this time, there were unexpected inconsistencies. Hoping it was just a technical issue, I refreshed my browser, but the errors didnt disappear. Because of this, I am requesting a careful examination of the documents I provided to ensure that I wont have to deal with this again.
Product: Checking or savings account

On XX/XX/XXXX an unusual online purchase resulted in my debit card being froze. When I called the bank they advised they could not re-activate my card via phone, I would have to visit a branch. I visited the nearest branch location, and was advised by the teller that a manager would have to assist me. The manager activated my debit card via her desk phone. The process took less than 3 minutes, however she continued to navigate through what I assumed was my account, using her mouse and keyboard. Simultaneously I asked what she was looking at and I leaned forward so that I could see what was on her computer screen. I saw the words Lost/Stolen in red font. I asked her what does lost/stolen mean, and sreplied that I had a compromised account in my banking history. The lost/stolen account she referenced was closed over a year ago. On XX/XX/XXXX I called the banks corporate office and filed a verbal complaint. I received call backs from a person who's position is unkown, on XX/XX/XXXX, who confirmed that the bank manager is no longer employed with them and a District Manager on XX/XX/XXXX, who confirmed that the bank manager did print my account information unneccessarily. I was advised that I would receive a call back, but I have not. 

My privacy was breeched at this bank when the manager printed my personal account information without my permission. Reviewing my account history and printing it, was not required to reactivate my debit card. I have not been able to confirm what information she has gained access to. Also because the incident happened mid XXXX and I did not complain until XXXX, the manager had prints of my personal account information in her posession. No one at my bank has confirmed what private details she has access to. The bank has made very little attempts to resolve this issue. Since the incident I have locked all 3 of my credit reports for security purposes, which affects my employement search, making it difficult to move forward from this incident. 

On XX/XX/XXXX I placed a follow up call to the corporate office. The young lady in customer service confirmed that my prior complaint from XX/XX/XXXX was closed on XX/XX/XXXX. Based on my conversation with the District Manager on XX/XX/XXXX they were still working on resolution and I would hear back from them. Closing the case while leaving me under the impression that we are working towards resolution shows that they possibly intended to forget about me as a customer.
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 {$1200.00}, {$4700.00}, {$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 on XX/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 with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

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

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