23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have discovered an unauthorized account on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ) .My grievance is directed towards XXXX, XXXX XXXX Transunion for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2022, I received a notice from Tate & Kirlin Associates , Inc. stating that they are trying to collect a debt for their client XXXX XXXX, XXXX a collection company that attempted to collect a fraudulent debt from Me last year and was removed from my Credit Reports for being a Non-valid collections account, The notice states that I owe {$590.00} and that they are willing to settle for {$170.00} for an account that was started fraudulently and I feel has stemmed from Identity Theft.
Product: Debt collection

I believe my rights as a consumer has been violated by LVNV Funding LLC and Resurgent Capitals Services. Both FDCPA and FCRA violations. My research on LVNV Funding LLC, Resurgent Capitals Services and XXXX XXXX XXXX XXXX the current servicer was named in a lawsuit that an approval was granted on. 
I have requested for LVNV Funding LLC to provide an original contract between myself and LVNV Funding that has my signature on it. Account with them is being passed or sold to different debt buyers without validation. On XXXX mailed a certified letter to LVNV Funding LLC it was signed for on XX/XX/XXXX, I requested a validation of debt. I received a letter from Resurgent Capital Services 2 letters in the same envelope dated for the same day.one stating they manages the account for LVNV Funding LLC. and has initiated a review of the inquiry recently received and 2nd Letters stating recent inquiry received and a summary of an account prepared by Resurgent Capital Services on behalf of LVNV Funding LLC and it is a statement from XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I mailed a certified letter to Resurgent Capital Services dated XX/XX/XXXX it was picked up from post office on XX/XX/XXXX on XX/XX/XXXX I received the same 2 letters as before. 
On XX/XX/XXXX I sent a letter about my 3 prior requests informing them FDCPA violations and FCRA Violations. No response from Resurgent so I addressed my next letter directly to LVNV Funding LLC. mailed on XX/XX/XXXX delivered on XX/XX/XXXX. See attached. I received a letter dated XX/XX/XXXX from Resurgent Capital Services stating XXXX XXXX XXXX is the current servicer of this account. 

I received a letter dated XXXX XX/XX/XXXX From XXXX XXXX XXXX stating LVNV Funding LLC is their client. 
On XX/XX/XXXX I responded because they gave me 30 days. Requesting the same information. Please note the Privacy notice section with the list of companies under LVNV LLC. does this mean that at any time one of these companies can contact about the same debt and not validate it.
Product: Mortgage

My wife and I applied for a mortgage with Quicken Loans in XXXX of 2020, we have a XXXX XXXX account and there is a relationship between XXXX and Quicken Loans. Because of Covid-19 the process moved slowly, but we did close on XXXX XXXX, we, my wife and I were understanding of the delays due to working from home. Here 's where everything goes crazy. Ten to 14 days later, I got a call from XXXX XXXX, telling us to rip up the contract, Quicken did not review our Trust documents. My question is, we only had three days to back out of that mortgage contract, how could they back out many days more than that? XXXX did say any expenses we incurred would be covered by Quicken, and we should close in about two weeks. I called XXXX XXXX, the original mortgage writer/banker and asked her about the loan, she said we would be closing on XXXX XXXX. We were having our kitchen remodeled and I didn't have time to chase the mortgage, In early XXXX I called XXXX XXXX, our XXXX Investment Advisor and asked if she had heard anything about the mortgage, XXXX made a call to Quicken. Fifteen minutes later, I received a call from XXXX XXXX XXXX asking if they could release the payoff info aver the phone? I gave XXXX the Ok to give Quicken the info. A half hour later, I receive a call from Quicken, they want to close the next day. I said, I can not, There are work men here every day finishing the kitchen. The next day, XXXX calls and told me, if we didn't close by Friday of that week we would lose that rate. I told XXXX, that's not right, someone forgot about the mortgage and then is trying to hurry the closing up to cover up a mistake at the office. I can not close that quickly. XXXX weeks later I called and spoke to a manager, after filling out a customer survey that definitely got someone's attention. We closed for a second time on XXXX XXXX this time Quicken did payoff XXXX and we did get the cash out check, equaling {$220000.00}. 
So you would think we were done, so would I, but a week before XXXX, I got a call from anoth person from Quicken, XXXX XXXX, telling me the papers we signed did not have our Trust information correctly listed. XXXX said we had to sign again and offered me {$500.00} for our inconvenience, I told XXXX XXXX wanted a lower mortgage rate, because I know rates have dropped since we locked in at 2.75 %. WE were able to get 2.25 % rate but they want to charge closing costs, I don't think that is fair for what they have put us through. We should have had the cash out money in XX/XX/2020, I had to sell stocks and incur gains which will raise my income taxes for both state and federal, that is the reason I was seeking a mortgage in the first place. Quicken wants us to close again just to sign new documents, why can't they put the new rate on those documents after seven months of aggravation?
Product: Checking or savings account

Please see the enclosed document " Time Line of XXXX XXXX  Gadget Issue ''. This document will provide a short summary of the issues on this case. 

On XX/XX/XXXX I received the enclosed letter from Chase indicating that they intended to honor the payment to XXXX XXXX that I had cancelled. Chase honored the payment to XXXX XXXXXXXX without consulting with me or sharing the documents that they had received from the " merchant ''. I have asked for copies of the XXXX  XXXX documents from Chase on at least 3 occasions beginning on XX/XX/XXXX but Chase has not provided them to me. 

Why would Chase honor the payment to XXXX XXXX when the issue is my personal debt and should not have been accepted by Chase? 

I wrote to Chase on XX/XX/XXXX and formally asked for copies of the documents and their reasoning as to why the XXXX XXXX claim was paid. Did they verify that the XXXX XXXX Claim was now owned by XXXX XXXX XXXX? What documents do they have to verify the ownership of the claim?
Product: Debt collection

I cancelled XXXX account in XXXX of XXXX but one line was not cancelled until XXXX for nonpayment according to a representative. I have yet to see a final bill stating this. When I called to cancel it was to cancel the full account and asked to pay all remaining balances which the associate stated was {$210.00}. This was to cover service and any equipment charges which I made sure to request what my full total bill would be. 

I have called XXXX and numerous collections agency to produce information on this account including bills and equipment charges- none have sent any bill to my current address which I have confirmed numerous times. I have also sent correspondence to their corporate office with no bills produced either. 

Another call on XX/XX/XXXX to dispute the charges. Representative said a form would be submitted in regards to dispute but said a dispute has already been processed. A woar form was already submitted. When a collection agency calls, i dispute it because i have not seen a bill. However the dispute gets processed internally with XXXX and gets rejected because they claim the charges are valid- yet I keep getting completely different information every time I call about what these charges are about. 
Reading off notes, not a bill, the associate assured me the amount was due to XXXX insurance charges, equipment charges and late fees. Previous conversations stated it was due to me owing on one line of service cancelled in XXXX, not in XXXX when it was requested. They claimed to have sent a final bill to a previous address., but I never recieved it. This was also the first time I was told I could have gone into a store to get my bills 6 months prior printed. I would have done that prior if this was made known tome. 

At this point, this has affected my credit score and I have yet to see a bill. There are numerous records XXXX has of me attempting to settle this however due to their lack of consistency and not being able to produce records, I will not pay based on what they say as they have proven to lie multiple times about what is being owed on.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { XXXX  } has listed { negative listing } on my XXXX and XXXX XXXX file. To my knowledge, I have never had account with { XXXX }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this XXXX  be permanently removed from my XXXX and XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. Best regards
Product: Debt collection

I have previously paid this debt twice but I failed to keep documentation. I once again have received another attempt. I believe I am a victim of an attempted scam. I did request documentation the first two times but eventually was unable to reach any resolution so it was just {$150.00} or so and I paid it ( twice now ). I think as long as I pay them they just wait six months and then start again.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion anXXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX/XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.
Product: Checking or savings account

I got scammed a week ago. Tried to buy some account which is value {$2000.00}. the scammer wanted me to pay via XXXX. I paid several time but scammer said XXXX account had some problem to find the money. There was minimum for withdraw on XXXX, asked extra money to refund all the money. Then XXXX blocked my account so They wanted to pay in Bitcoin instead. I know it is stupid mistake but They kept demanding my money hostage. I requested refund money back to XXXX and Citibank but they rejected. I have all the chat history to proof it. I have over 100 screen shots for conversation. 

they are holding {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx XXXX that was stated on the information XXXX provided the XXXX. This is tax fraud.
Product: Credit card

This is a complaint about Citibank and my XXXX XXXX rewards card. 

There have been two issues this year. Back in XXXX, I made a {$14000.00} payment a few days before the due date ( XX/XX/XXXX was the payment date, and XX/XX/XXXX was the due date ). While that payment amount was credited to my account, the credit hold wasn't release XX/XX/XXXX. This caused more than a few recurring payments to vendors to be denied, which was both embarrassing, and resulted in me having to fight to reverse late fees. There was nothing unusual about the payment as it was made from the same main checking account that I almost always pay from. No amount of phone calls or pleading could get the credit hold reversed sooner. 

Fast forward to XXXX, and I made a payment of {$7300.00} a few days prior to my due date ( XX/XX/XXXX, with a due date of XX/XX/XXXX ). I paid the entire balance as I always do. Then on Monday XX/XX/XXXX, Citibank went ahead and processed an autopay for the same amount. Now I have paid my statement balance twice. I called on XX/XX/XXXX when I saw the 2nd transaction, and requested a refund. They refused to send the refund to my checking account, so I requested a check ( which would take three weeks to receive ). Then on a subsequent call, it was determined that the information they gave me about not being able to send the refund electronically was incorrect. The paper check request was cancelled and a new request for the refund via ACH was processed. Now, in XXXX, I saw that I never received my refund. I called back to find out both requests were cancelled. No reason given, but probably something to do with two requests for a refund ( their words, not mine ). Today is XX/XX/XXXX, and the request has been " approved ' finally, but will still take a week to process. There seems to be no accountability at Citibank, and no regard given to a customers financial situation
Product: Checking or savings account

My account was frozen yesterday due to usual activity. I received a refund of {$1800.00} plus {$500.00} from my landlord last Friday. Yesterday I received a deposit from my XXXX. These are the only XXXX major deposited I have had all which is MY MONEY. Chime feels as if you have a too much money coming into your account they have a right to freeze your account. Once you get to member services and try to get help they tell you theres nothing they can do you have to wait for them to email you. Chime is honestly a scam that uses, fee free overdraft, spot me, XXXX days early pay, all of these are things just to get you not to pay attention to all of the XXXX they cause on the outside.
Product: Vehicle loan or lease

XX/XX/2021 we purchased a new XXXX XXXX  from XXXX ( Georgia ) XXXX. Added to price of the car on the contract with NMAC was a charge of {$900.00} for GAP insurance. We did not know this until XX/XX/2021 when we went back to the dealer to get copies of our contract. They had provided us a computer chip which our computer would not open. When we got the copies of the contract we asked the dealer to correct this and delete the {$900.00} charge for the GAP insurance. Since we had paid {$10000.00}. down on the car we did not need the GAP insurance. They told us to contact NMAC, Nissan Motor Acceptance Corporation. We contacted NMAC and they told us they would credit the {$900.00}. to our account at the end of the contract, they stated they did not want to rewrite the contact. We thought it should be credited to us so our payments would be less. They said no. We have contacted the dealer and visited with them 3 times since we purchased the car and they fail to give us any proof that they are going to refund the $ XXXX.We have notified and followed up several times with NMAC and they still have not refunded the money to our contract. About 2 weeks ago a credit of {$410.00}. was made to our account, we asked what it was for and was told that maybe someone made a mistake and thought it was {$900.00}. Even I know the difference between $ XXXX.and {$900.00}. I have had enough of wrangling with this matter and would like to have some help from you. Today is XX/XX/2021. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are reporting when there wasn't consent to allow them to do so. There are things on my report that is not accurate. I asked them to be removed and they refused to remove them. I placed a dispute and as quickly as I disputed the item ( s ) they were " verified ''. They would not tell me how they verified.
Product: Checking or savings account

Its been a huge headache and inconvenience dealing with Bank of America regarding stolen funds from my account. On XXXX I submitted a complaint regarding this issue, also on XXXX, XXXX. Case numbers XXXX, XXXX, XXXX. On XXXX I received email correspondence from CFPB stating that Bank of America had replied and now those complaints are now close. I thought to myself great this means they have resolved this issue and received the documents that they claim they had from the merchant. I contacted the case agent that was assigned to this matter XXXX XXXX Im not sure of the correct spelling but she verbatim told me that they only responded to CFPB because they have a time limit to have done so and that they are still working on this matter and have until XXXX to have received a response from the merchant or that the claim will automatically be paid by the merchant. I patiently waited and assumed they would do their due diligence to resolve this matter, I assumed wrong. I contacted XXXX on XXXX with that being the resolution date with no response, I spoke to her XXXX with no update she said that she would escalate this with her team ; and promised to contact me within XXXX XXXX. I didnt receive any call back and contacted her again on XXXX, and she basically told me she has no update and is still waiting from her team. Bank of America prematurely closed this complaint just to meet their deadline and when XXXX came they still have no response for me. Im over this back and forth and now I will unfortunately get local news and a lawyer involved if I have to and Bank of America will have to pay up much more than what was stolen from my account.
Product: Payday loan, title loan, or personal loan

I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX