23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A lien was placed against my property by the XXXX after they received notice of a bankruptcy filing in XXXX, the amounts in which they have placed an illegal lien was covered in the bankruptcy. The company has refused to communicate or share account information upon request. In addition, I would call XXXX XXXX XXXX they would say, we can not assist you as your account is still with out Debt collectors office. I am refinancing my home and was told of a lien being filed in XXXX, I made multiple attempts to obtains he payoff from XXXXthrough XXXX/XXXX/XXXX until I overheard a conversation stating they were delaying the response to file another lien and to add more money on the pending lien in question. 
XXXX XXXX XXXX office assisted with getting the lien payoff letter and it went from {$630.00} to {$8300.00} from XXXX to XXXX with a per annum of 6 %. Mind you, I filed bankruptcy in XXXX XXXX, discharged XXXX and second discharge XXXX, the same debt collecting co Law offices of Gregory Alexandrides submitted a claim of XXXX to the bankruptcy courts for a lien from XXXX thru XXXX ( was not aware of this lien either ), but within the same allotted time of 3 years of this current lien XXXX through XXXX their is a {$5000.00} excessive fee of charges. Please note the ledger submitted has always been handwritten and very unprofessional which makes it easier to commingle funds and fraudulent activities to be altered. 
My issues is they created a debt by refusing to communicate or share details of the account, secondly, how can a lien of XXXX accumulate XXXX in fees and interest when no notices or information has ever been shared. 
I believe they ( Law Offices of Gregory Alexandrides ) are aware of their unlawful actions and practices and will take advantage of those who they feel do not have a voice or say-so in how things are being done.
Product: Checking or savings account

I have issues this negotiable instrument ( attached ) for payment from my trust, XXXX XXXX XXXX, to the payee : XXXX XXXX, as account held at BANK OF AMERICA FOR negotiation. 

I have included the item for negotiation below as an attachment. Please negotiate this payment via a one time electronic funds transfer the proper department.
Product: Debt collection

I have been trying to get XXXX to work with me to help me repay a loan which I believed was still with my original lender, Great Lakes, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the XXXX person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report updated for MONTHS. I have made several calls to XXXX, Experian, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from Experian, it is NOT showing the correct amount of my loan that has been paid off. I contacted XXXX about 8 times now asking them to please send Experian the correct amount of my loans that have been paid. After contacting the Better Business Bureau I was put in contact with XXXX XXXX of XXXX who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND Experian at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX Experian 's membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 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 reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing these accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents. 
Please dispute these accounts. This was opened with out my knowledge, authority or consent. 

XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Checking or savings account

The ATM did not give money, I loss {$180.00}. I was trying to get {$180.00}, and PNC ATM fails and didnt give anything to me. The transaction in the bank passed. 
XXXX XXXX XXXX. 
It was with PNC atm, in XXXX, address XXXX XXXX XXXX, XXXX, FL XXXX. 
I immediately called to PNC costumer service, but nobody cant help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a closed account that appears on my credit report that I did not authorize. Upon reviewing my credit report, I noticed that there are closed accounts listed under 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 and I believe this information is inaccurate information because this is NOT my account. After thorough examination of my records, I contest the validity of this closed account. I have reason to believe that the account was fraudulently opened, and I request a comprehensive investigation into this matter. Compliance with reporting regulations : I ask for confirmation that all reporting regulations and guidelines were followed in validation of this fraudulent account.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Since XXXX i have hade there services i have always made payments on time. Over the years they have done 2 limit decreases on my credit card up until XX/XX/XXXX have.The Problem is Elan XXXXXXXX XXXX XXXX looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.
Product: Debt collection

Calvary SPV 1, LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a ), ( 5 ), ( 8 ), ( 9 ), ( 10 ), ( 12 ), ( 13, ( 14 ). They Are Suing Me on a Debt they Allegedly Purchased. 
They are unjustly enriching themselves by Lying and saying they Represent the Creditor after admitting to the Court they Bought the Debt alleged. 
They Have Failed to provide original Documents for inspection and copying as requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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.
Product: Debt collection

wednesday XXXX XXXX XXXX XXXXXXXXXXXX XXXX 
spoke with 2 individuals form credit control , LLC. 
in regards to a account that they had purchased from a differint company, Gentalman whos name I have on hand refused to answer any questions I had asked. continuously spoke over me and insulted me. 
told me that he does not have to verify and validate any of my questions, and demanded I pay the account. 

I asked for validation of my consent to owing the comapny a debt, and if they have a electronic and or hand written signature from me agreeing to pay them. 

the gentlman said he doesnt have to prove anything and that I should just pay the bill. 

I also asked if the debt was purchased by his company? again to imply I do not owe anyone of the collections company and any of its subsidiaries any money. 

the gentlman again told me that im XXXX and became verbally aggresive and then repeated himself several times to pay a debt. 

when I informed him that his actions are out of line and abusive, he hung up on me. 
XXXX XXXX XXXX. 

I called back the company number immediately and the gentleman picked up the phone, and set it next to a t.v.. refused to answer. 
waited 20 seconds. and hung up on me again.. 
XXXX XXXX XXXX. 

I called again for the 3rd time immediately, and got ahold of a lady at first, informed her of her associates behavior and that I would like to file a formal complaint. 
before I was able to get to file a complaint I verified my informationas to who I am. 
I did request that upon the completion of our phone call I would like a copy of the signed contract between me and the company that I owe them a debt., she refuesd and told me that not how they do things there. 
then I requested for information on whom did they aquire the debt from? and if it was purchased or a partnership? 
the lady said we cant do that. 
then proceed to ask how I want to [ pay for a debt. 
I refused when I heard attitude and anger in her voice, and asked her I would like for communication to be done via writting, and that I need a copy of the aggrement that show a signature from me to them. 

the lady hung up on me. 
XXXX XXXX XXXX. 

names of the associates can be given upon request and copy of notes
Product: Money transfer, virtual currency, or money service

I am writing this because I feel as if my disputes and claims were not handled the right way. I was scammed numerous times and my situation was never resolved. I was left vulnerable and my financial institution claimed they did all they could to help.
Product: Credit reporting or other personal consumer reports

I have been the victim of my personal information being exposed to the public as result of several data breaches. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''
Product: Credit reporting or other personal consumer reports

Here is a sample dispute letter you can use to correct the inaccurate address information on your credit report : With all three credit bureau XXXX, experian, XXXX Subject : Dispute of Inaccurate Address Information on My Credit Report I am writing to formally dispute inaccurate address information listed on my credit report. Upon reviewing my report, I noticed that the following address are incorrect or outdated and should be removed or updated : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The correct and current address for me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I have attached copies of supporting documents to verify my current address attached Please investigate this matter and update my credit file accordingly. I request a written confirmation once the correction has been made.
Product: Mortgage

I have a mortgage with Navy Federal Credit Union and they have yet to correct my mortgage account to reflect that it is current. I made a payments on time and there was a occurnce when my payment was missed applied by there teller to another account. After I have made several complaints and provided evidence of the teller mistake to the servicing department to correct and to update the status on my monthly statement and credit report status nothing has changed. 

I have been dealing with the issue for months!!! The mortgage servicing department has the worst service and seems to lack the professionlism to get anything done. 

I refuse to deal with the credit union and I am hopefully that CFPB will be of support
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section XXXX ( XXXX XXXX XXXX XXXX ) requires an immediate investigation of disputed information. It has been more than XXXX days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section XXXX ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section XXXX ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXX XXXX Required I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. XXXX and XXXX XXXX : XXXX a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. XXXX Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within XXXX days of receipt of this letter. Include documentation supporting your actions.
Product: Money transfers

I sent money by western union to a person XXXX to adopt a XXXX XXXX puppy then got hit up for insurance, a new crate, then the deliverey person got robbed and needed even more money. I was scammed bad. I want other people to be aware of this. I sent XXXX of my hard earned money for nothing.
Product: Checking or savings account

1. I had a checking account for my small business, XXXX XXXX XXXX XXXX XXXX, with Bank of America. 

2. The account had an overdraft fee in error on XX/XX/21 in the amount of XXXX dollars. There were funds available in the account to cover the ATM transaction when I made the transaction ; and in the ledger balance to cover the transaction when it posted on that evening. 

3. On XX/XX/21, I called BOA customer service and I attempted to get the fee reversed, but the agent, XXXX id XXXX, insisted there was no error. 

4. On XX/XX/21, I closed my account. 

5. Then XXXX stated that there could be additional overdraft fees because the account was closed if other items came in after the closure, and asked, was that okay with me? 

6. I said it was not and she said the account was already closed. 

7. I asked for a supervisor and am still currently waiting for a supervisor. 

8. I have lost online access to the account. 

9. After a long wait of nearly an hour on hold, XXXX attempted to transfer me to XXXX, but instead transferred me back to the call queue. 

10. Then, after waiting again in the queue, another agent came on the line, XXXX, who reopened the account in order to consider waiving the fee but then did not waive the fee. 

11. I asked for a supervisor again. Was told a manager would come on the line. Spoke with XXXX XXXX. 

12. I advised XXXX XXXX that I am expecting a refund from XXXX in the amount of {$86.00}. Ms. XXXX concurred that that transaction was the cause of the fee and that if the refund processes to the account, then the fee will be waived. Otherwise, BOA refuses to waive the fee. 

13. XXXX said I have to keep the account open both to receive the XXXX refund and fee refund.
Product: Checking or savings account

Citibank advertises this offer open online checking account. It is still on their website. 

OPEN NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 
FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.

The cash bonus will be deposited to your open, eligible checking account within 30 calendar days after you complete all required activities. 

1. I opened account on XX/XX/XXXX and deposited XXXX XXXX. I maintained balance for 21 days + 60 days which is XX/XX/XXXX XXXX. The cash bonus was to be deposited in my account on XX/XX/XXXX which is 30 days AFTER I satisfied all the conditions on XX/XX/XXXX. 

I learnt their INTERNAL documentation says 90 DAYS after satisfaction of conditions the bonus to be deposited. THIS IS MISLEADING ADVERTISING TO CONSUMERS. 

I have STILL not received it on XX/XX/XXXX after contacting and complaining to them several times. I've attached a chat log to this complaint as well. 

I am told I will get it by XX/XX/XXXX which is NOT what their OFFER says.
Product: Debt collection

There is a need to reopen the company 's response to Complaint XXXX which was closed prematurely. The company claims that it complied with the validation requirements of 15 USA 1692 by dismissing the requirements a low standard. However, most of the obligations the company alleges to be due from XXXX XXXX do not identify the creditor at all. The following claims have been reported to the credit reporting agencies for which XXXX XXXX never received any billing or explanation - including the actual creditor - listed as follows : XXXX XXXX {$850.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX {$760.00}, Credit Control Corp {$61.00}, Credit Control Corp {$84.00}, XXXX XXXX XXXX {$87.00}, Credit Control Corp {$150.00}, Credit Control Corp {$240.00}, Credit Control Corp, {$300.00} and Credit Control Corp {$760.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I use Capital One for my checking accounts and savings accounts. I have my direct deposit set up with Capital One because you can get it two days before your actual pay day. I always get my direct deposit from my job on Wednesday evening or early Thursday morning. I do the payroll for my job and monitor the bank account it comes out of, so I know the money has already been taken out. On Wednesday, my check was not there. On Thursday, still no direct deposit. I JUST received an email from Capital One at XXXX Thursday, XX/XX/year>, that they were having technical issues regarding direct deposits, almost XXXX days late. Today is Friday, XX/XX/year>, and I still do not have my money. I rely on my paycheck for my payments, as well as basic life necessities. In their email, they stated that they expected everything to be back to normal on Friday morning. It is now Friday afternoon, and I still do not have my money. Monday is XXXX day, so banks will be closed for normal business days and processing, thus making me have to wait for my money for almost an entire week if it is not resolved. I deserve to be compensated and then some for the stress and inconvenience they have caused.