23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. 
I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. 
I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX XXXXXXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Product: Mortgage

I have been contacting New Rez/ Shellpoint Mortgage since XX/XX/XXXX when my husband received a veteran 100 % XXXX exemption on our property taxes. They refuse to re look at my escrow overages and re analyze it. I have told them the hardship this causes on a XXXX veteran. I also had my XXXX appraisal district write them a letter validating we are exempt and to stop all escows for XXXX. They still refuse to make any updates or changes, they will continue to escrow me until the new tax bill in XXXX of XXXX and by then will owe me close to XXXX in back money. I have submitted over 20 requests and complaints to them to stop escrow, service complaints and to delete my escrow all together. The refuse and site policy 's not to do so. They are very deceptive an are practicing red line process against a US veteran and a XXXX person. Please help we cant continue to pay over XXXX a month more then we should. I do not want to loose our home. The are violating my rights as a XXXX person and the texas tax code. 

Texas Property Tax Code 11.131 ( b ) states, A XXXX veteran who receives from the United States Department of Veterans Affairs or its successor XXXX percent XXXX compensation due to a service-connected XXXX and a rating of XXXX percent XXXX or of individual unemployability is entitled to an exemption from taxation of the total appraised value of the XXXX XXXX XXXX.
Product: Credit card

I have been going through issues with Capital One for a few years now and for some reason I'm being discriminated against every time I open an account with them. My credit is good and I've been approved on two occasions ; when I applied for a Capital One Card and I opened a Kohl 's account and my account was opened and then closed for no reason revealed to me. I don't have any Identity theft or anything of that nature right now, so the only thing that is apparent is discrimination for whatever reason. I'm a tax paying citizen that should not be going through this with a card company. I don't have any freezes on my credit or anything of that nature, so I need this resolved ASAP. They closed my account without any reason given to me and on top of that I even opened a secured Capital One Card with my own money and they closed that card as well and still haven't sent my money back that I used to open my account. This is totally unacceptable and someone needs to explain what's going on and quickly get this corrected. The discrimination has to stop and furthermore the egregious act is that the Company closed my account over 2 months ago and still hasn't sent me my funds that I used to open the secured account.
Product: Debt collection

XX/XX/2023 Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Spring Oaks Capital , LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Spring Oaks Capital , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best Regards, XXXX XXXX Regards, XXXX XXXX Consumer/ Natural Person
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND TRANSUNION ARE IN VIOLATION TITLE 15 US CODE 1681 1681 A 4 A CONSUMER 'S RIGHT TO PRIVACY 1681 B CRA 'S MUST FOLOW REASONABLE PROCEDURES. MUST BE FAIR AND EQUITABLE TO THE CONSUMER 15 USC 1692A INVASIOINS OF INDIVIDUAL PRIVACY PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS REPORTING ARE A VIOLATION OF MY RIGHT TO PRIVACY I HAVE A RIGHT TO PRIVACY THE UNAUTHORIZED WAY THESE ACCOUNTS HAVE BEEN BEING REPORTED IS NOT FAIR AND EQUITABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus 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, credit repair services, or other personal consumer reports

Prior to reporting a delinquent consumer debt to a credit reporting agency, Federal agencies are legally required to follow certain procedures and minimum due process requirements pursuant the 5th Amendment when reporting delinquent consumer debts to credit reporting agencies. 


The Treasury has provided invalid credit information to the credit reporting Bureau without providing minimum due process to review the case and complete the administrative hearing as requested within the 30 day XX/XX/2020 deadline to respond within the notice dated XX/XX/2020. 

The agency can not prove the debt is valid, has not provided me any opportunity to review the debt nor can the agency even prove that the debt is overdue, and has not completed any investigation and provided any opportunity to rebut even an initial decision as no findings have been made. 


Once all minimum due processes and procedures have been observed within the XX/XX/XXXXXX/XX/XXXXprogram, ie the administrative hearing and the right to review and respond, only then can the accused be provided a 60 days notice to respond. The agency can not show that it sent any notice prior to XX/XX/2020 that provided a mandatory 60 days notice of intent to report for which to respond and prevent derogatory information from my credit file all under 31 USC 3711 because the file is still pending administrative hearing and review of the validity of the debt. 




Reporting debts owed to the United States to consumer reporting agencies is governed by the XXXX and the XXXX as codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Because the federal agency can not ( 1 ) complete an investigation to provide evidence that a hearing with a required initial hearing reconsideration has taken place as well as ( 2 ) prove that the debt is even valid due to the absence of any evidence as requested on XX/XX/2020, the reporting bureuas are required by the FCRA to delete the information from the credit file.
Product: Credit reporting or other personal consumer reports

Capitals One applied hard inquiries on Capital Ones XX/XX/XXXX Capital Ones XX/XX/XXXX Capital Ones XX/XX/XXXX When they knew and told me these wouldnt going to effect my credit as a soft inquiry but they are hard. Then they ran my credit knowing they couldnt for two years apart. This violated the fair credit protection act.
Product: Vehicle loan or lease

I leased a car through Santander consumer and I found out after it really came from XXXX XXXX XXXX. I lost my job kept up with payments but asked for some type of deferred payment. I was led on that after another payment I would get relief it never happened. A few months after my car got stuck in garage and I had to rent from XXXX and it was because someone from the dealership I got car from tried to break in my garage n damaged it. I had to rent from XXXX  they started embezzling funds from my credit card an not releasing my deposits. The manager refused to call me back or fix the issue and they restricted me as a result of me calling corporate. I later found out my car that is stuck in garage is from XXXX an that was why they were stealing funds from my card illegally. XXXX keeps hacking into my credit card account or know someone from my credit card account and are messing with my account an even overdrafted my account. Threats continuously everytime I call corporate because no one calls back to resolve the issue. Its been a year I have been fighting this issue
Product: Mortgage

On XX/XX/2022 we received a letter from SPS explaining the process regarding our claim to CFPB and what they have done. The requirement that is addressed in this letter regarding that per investor guidelines they need the name of the XXXX Mortgage holder was not mentioned before until XX/XX/2022 in this letter and the dashboard. We have done everything required to complete the documentation for this case and we feel that they do not want to work with us to sell through a short sale process. Also, they assigned us a relationship manager, XXXX XXXX and we have not been able to reach this person the times we have called to SPS, once last week and once the week before. For this reason we have talked to other two representatives. One and a half week ago, after seeing that we had new comments on our dashboard regarding the XXXX mortgage, we called SPS with our Realtor and the representative explained to us what was needed. We uploaded the documents with the information required, hoping that everything was completed because as per the conversation, there was nothing else. But it was not like that. Some days passed and we continued to see comments in the dashboard. When we called last week on XX/XX/XXXX, we talked to another representative and he let us know that they were requiring us to include in the HUD-1 the name of the XXXX Mortgage holder in line 1108. This is really unacceptable, we are frustrated. Every time we call, there is a different comment that was not there before. As of today, we have been 108 days in this process since XX/XX/XXXX, it will be a total of four ( 4 ) months on XX/XX/2022. Even though they have not been clear during this process, they are giving us until this coming Wednesday XX/XX/2022 to submit all documents, after this date they will not evaluate our case, after almost 4 months in this process. Also, the process to make a decision will take another 30 days after all documents are complete. Today we checked the system and they have not given a response to the last document ( HUD-1 ) we uploaded on Thursday XX/XX/2022. We need help so SPS verify our documents on time before this due date they are giving us and let us know the documents are complete. We do not want to have a foreclosure, we need to continue the short sale process. 

Thank you XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/22 to XX/XX/22 my family and I went on vacation in XXXX, XXXX. On XX/XX/22 ( posted date XX/XX/22 ), I was fraudulently charged {$1000.00} by " XXXX XXXX '' for a transaction that I never made. In addition, I was also charged {$30.00} for a foreign transaction fee. I discovered and reported this fraudulent charge to Bank of America sometime between XXXX. 
According to Bank of America, the merchant " XXXX XXXX '' is a restaurant in XXXX XXXX. I have never been to XXXX XXXX in my life before, so I could not have made this transaction. I flew directly into and out of the XXXX XXXX, and I have pictures of myself and my family at different XXXX tourist locations every day of my trip that can prove that I was indeed in XXXX. XXXX is around a XXXX XXXX XXXX from XXXX XXXX. There is no physical/logical way that my physical body was simultaneously in XXXX and XXXX a restaurant in XXXX XXXX XXXX 
I used my credit card a few times while in XXXX, and XXXX particular instance stands out to me as the most suspicious. I attempted to use my credit card at a gas station. The worker first took my card and attempted to use it in XXXX handheld device. He told me that the transaction didn't go through, but that there was another credit card processing device that he could try. He took my card and went to another device. This device was on the other side of the stand, so I could not see precisely how he attempted to process the card. He came back with my card and told me that the transaction did not go through. I paid with cash instead. All in all, he attempted to process my card multiple times on multiple different devices. This instance stands out to me as the most likely source of issues. 
After Bank of America refused to rectify this fraudulent charge, I asked that they re-open the investigation. I also filed a report on with XXXX XXXX TX XXXX Police Department, my local police department. I voluntarily gave them a two-page statement for them to investigate. This statement includes my daily itinerary of every location in XXXX that I visited. My report number is XXXX ; I filed the report with XXXX # XXXX. I then informed Bank of America that I filed a police report and gave them the number of my report and the contact information. 
I am asking that Bank of America expedite their investigations and arrive at the fair and logical conclusion that I did not make a {$1000.00} transaction to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Product: Debt collection

I received an alert for WebBank/Avant and called them in XX/XX/XXXX to confirm an account had been opened. I reported to them at the time that this was not me and they said that they would investigate. I never heard from them. I had my monitoring service send a dispute letter and complete fraud package including an ID Theft Affidavit, Police Report, identification, etc. on XX/XX/XXXX, XXXX we confirmed it should be sent to : XXXX. I have never received a confirmation that my information was received or that this has been resolved. I resent an inquiry on XX/XX/XXXX with the documents asking for a confirmation that my email was received. I have not heard back. It has been over 60 days since my original dispute with no correspondence.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Kia Motor XX/XX/XXXX XXXX XX/XX/XXXX HYUNDAIMOT - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I never applied for credit with either of these companies.
Product: Checking or savings account

On XX/XX/2021 I froze my business account due to fraud by someone taking me off my account. There was {$11000.00} in the regular account and over {$36000.00} in the other one.
Product: Checking or savings account

On XX/XX/XXXX my account was overdrawn due to two {$2500.00} checks being cashed by someone impersonating my mother who is also listed on my checking account ( total was {$5000.00} ). My mothers purse was stolen on XXXX XX/XX/XXXX which included her ID. My mother reported this to Wells Fargo the same day and had her own account frozen. When I was notified by Wells Fargo that my account was overdrawn I filed a claim that my mothers identity was stolen and that at the time of the check being cashed she was on vacation in XXXX. My claim was denied because Wells Fargo said the signature was similar to my mothers and a ID was used. I have proof that a police report was filed on XXXX XXXX by my mother and also proof that she was not in the XXXX when the check was cashed. Wells Fargo was informed of this and still denied my claim without even verifying my evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO CORRECT MULTIPLE INACCURACIES THEY HAVE BEEN NOTIFIED OF MORE THAN 20 TIMES
Product: Credit reporting or other personal consumer reports

Im authorizing equifax to review my credit & to analyze the accounts that are in the files. To delete all inaccurate accounts & inquires that were made by me expeditiously. These accounts & inquires were made against my will .XXXX & I never authorized any.
Product: Credit reporting or other personal consumer reports

Lexington Law Firm promised to fix my credit on several occasions and after several months of attempts and wasted money, I did not see any results
Product: Mortgage

Ive recently gone into a Chase banking center in XXXX, GA to begin applying for a HELOC. They told me they are not accepting/processing HELOCs. It is a product they are currently not offering. 

This information is also available on their website : XXXX XXXX XXXX According to the Federal Reserve , this is unheard of. The Fed is saying there is no concern for regulated banks to provide secured loans at this time, especially HELOCs which is backed by the amount of equity in the property. 

Being the largest bank in the US why is Chase taking this stance and is it legal. The Federal Reserve is unaware of any bank taking this action, especially Chase.
Product: Debt collection

I have no knowledge of the account placed in collections in my name. According to the FCRA, I have the right to a fair and accurate credit report. The account in question, XXXX XXXX XXXX, Acct # : XXXX. 

I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT as soon as possible as it is false, as well as a violation of HIPAA, part nd section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 US Code1320d-2 note ).
Product: Debt collection

Called multiple times, each time I get a voicemail that states " This customer is not receiving voicemails at this time. Goodbye. '' Also sent multiple letters requesting verification of debit and haven't received any correspondence in return.