23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I originally reached out to Chase Bank around XX/XX/XXXX requesting a copy of the auto loan contract as I had misplaced mine. No response nor reply was ever given from them regarding a copy of the contract. I then made 3 separate request for Chase Bank to validate the proposed debt for the vehicle requesting very specific information such as : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
These request for validation were sent out to their HQ office in NY, accounting office in XXXX, PA and to an office in Louisiana. All the mailed request were sent by way of certified mail with return receipt service upon delivery. I have still not yet received any of the requested documentation on one occasion rather than respond with the requested documentation they simply returned my opened letter back to me in a new envelope. I have not received nay further phone calls for collection, nor do I appear to have any online access to the account whatsoever. I would like to know how and where can I submit my notarized affidavit to the CFPB, FTC or other governing body to have on record my sworn affidavit of default against Chase Bank?
Product: Debt collection

I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX  XXXX of a suspected XXXX  or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 
5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, a personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a utility cable account with XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections an hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ) my information has been stolen and is being used to open lines of credit, cash checks, open banking accounts and it is affecting my livelihood agreesively. I have not opened any lines of credit with XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX Bank.
Product: Checking or savings account

I received a check when I was homeless to become a mystery shopper. I did it. But bank after cashing it said it was a scam. XXXX XXXX and to have these things happen, I cant pay for because its fraud.
Product: Credit reporting or other personal consumer reports

Filed dispute to have old discover account deleted from my file with Equifax in XX/XX/XXXX. Original date of first major delinquency was XX/XX/XXXX. After my dispute, they changed my date of first major delinquency on this account to XX/XX/XXXX, which is not accurate. 

I have attached screen shots of the XXXX report and current for XXXX to show the incorrect reporting of the first major delinquency that was updated incorrectly after my dispute. There has been no activity on this account on my part in more than 7 years ( aside from a dispute for removal ).
Product: Debt collection

I contacted persolve legal group back in 2022 to settle an auto loan debt. I worked with XXXX XXXX and made my payments directly through her totaling {$10000.00}. I was told that I would get a pay for delete. The debt has been settled a year now. I was given a notarized satisfaction saying debt has been settled in full. Persolve legal group never removed it from my credit as promised and is also saying I still owe {$6000.00} on the debt. I have filed several disputes as well as contacted XXXX XXXX several times with no resolve. XXXX was XXXX in the way she treated me. Once the debt was paid she stopped answering calls and e-mails as well. The credit bureaus are advising it is nothing they can do as the persolve is advising I still owe the debt.
Product: Vehicle loan or lease

Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
A car was leased or purchased using my information with out my knowledge nor consent with company MERCEDES BENZ FINANCIA Date opened XX/XX/2017 In the amounts of AMOUNT {$75000.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the XXXX inaccurate accounts on my credit report : Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the XXXX inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the XXXX accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the XXXX inaccurate accounts off of my account immediately. 

Thanks
Product: Debt collection

I moved out of XXXX at XXXX XXXX apartments on XX/XX/2022. I turned in my keys on Saturday XX/XX/2022 to employee XXXX. I previously filled out a forwarding address paperwork and turned into rental office. XXXX declined to do a physical walk through at the time of my departure which is a violation of their company rental policy. 
At the end of XX/XX/2022 after not hearing from XXXX I went to rental office to inquire if I had a balance. During this same visit I also verified with the rental office employee that they had the correct forwarding address for me. The employee located the paperwork and confirmed they had the correct forwarding address. She then confirmed there was no balance due. After reviewing my credit months later in XX/XX/2022 I noticed that a debt collection was placed on my account by a debt collection company. I have never done business with this debt collector. They have not had any form of communication with me via email, text, mail, phone or fax. 
After speaking with a Consumers Protection Lawyer Attorney they advised me to prepare a debt validation letter and send it certified mail with return receipt to the company. I have sent XXXX letters to them with no response to validate this debt to date. The lawyer advised me under the laws of FCRA, FDCPA everything on a credit report must be 100 % accurate verifiable and reported in a timely fashion to be placed on my credit report. This debt collection company is in violation of 15-USC1692gb. I need to have this deleted from my credit report immediately.
Product: Debt collection

On multiple occassions, XXXX XXXX XXXX XXXX and Radius Global Solutions, these collection agencies have violated my agreement to take a single payment towards a debt that they are trying to collect. They have taken both more than the amount agreed to ( in writing ) and processed payments when they were not authorized to do so. This illegal activity has caused my bank accounts to be overdrawn- which these companies are now threatening me with more legal action due to the NSF incidents that they caused. 

Their approach on the phone is aggressive and threatening. They are calling me everyday when they have been told to stop harrassing me. 

The harrassment began in XX/XX/XXXX and has continued as recently as XX/XX/XXXX. 

The firm XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX and was responsible for the unauthorized charges to my bank account in their attempts to collect a debt. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NH. XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX Then, on XX/XX/XXXX, the firm Radiuis Global Solutions began harrassing me about the same debt. Their contact information is : Radius Global Solutions LLC XXXX XXXX XXXX XXXX : XXXX Office XXXX Fax # XXXX These firms appear to be the same company with the same main office and fax numbers. They are representing to be different companies and are causing a lot of confusion to an already stressful and scary situation. 

Additionally, both firms has repeatedly called me ( daily ) and have not left voice messages. This constant barrage of calls is intimidating, even after I have told them I am unemployed and unable to make the large payments they are demanding. 

Most recently, they have threatened me in an email to take further legal actions against me- asking for my attorney 's information to take the situation further. 

They have threatened me with state law penalties for the continuing issuance of NSF Payments- which they are the cause of from unauthorized attempts to collect a debt and have placed economic restrictions to make any payments by removing the option to pay by check. They are threatening me that I am committing a crime by not paying these charges. 

Most recently, they sent an email explaining they 'found more bills ' that I owe from other companies that are not related to the original debt. I feel overwhelmed by how they are threatening me with even more legal actions without providing any proof of debt or proof that they are allowed to collect on behalf of the vendor. I didn't receive notice of right to dispute and I didn't receive enough information to verify debt. These newly presented bills are very old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 months ago now I try accessing my credit report online through Experian services. My credit report was blank, I could not see any of my accounts or credit score. So contacted Experian office out in XXXX XXXX California When on the phone with them I explain the problem and told them neither my self or anyone else was able to pull my credit report. I've gone through different website to pull my own report but had no luck, I've called them numerous times and every time i speak to someone they tell me they have to open a ticket for a different group in there department are able to resolve his matter. Yet in the end I don't get any results from them.
Product: Checking or savings account

Wells Fargo has been negligent with my account on many occasions. The customer service has gone from bad, to the worst that I have experienced in my lifetime. Unauthorized services, un justified fees, excessive charges, and their personal bankers handle situations with a lack of empathy, and knowledge on banking issues.

I keep getting charges for overdraft services when I did not sign up. Wells Fargo took all my money this XXXX in overdraft fees. 

This is one example. I deposited money into my account a XXXX dollar car payment was drafted, which left my account with a XXXX! cent balance. So Wells Fargo is still charging me {$35.00} dollars. According to their bankers, Wells Fargo made no error and since I have been refunded for bank errors before. My account will not receive any more refunds. So Wells Fargo will continue to charge me unjustified fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Debt collection

Friday, XXXX XXXX, XXXX at XXXX XXXX  spoke with XXXX XXXX from XXXX. She ignored the information of payments made to XXXX. XXXX failed to provide this information ofv payments. Their system purposely rejected my payments, and nothing was done to remedy tech issues. I do have evidence of psyment and offered to show proof that the debt was XXXX not XXXX. XXXX XXXX began yo bargain refusing to accept my proof. 

XXXX @ XXXX XXXX  I leave a voice message reminding XXXX to send a formal letter to my email address. Per her colleagues XXXX, XXXX, and XXXX, many correspondences were sent to my email. XXXX letter in XXXX was the only letter sent from XXXX XXXX. None from XXXX. XXXX continued to call repearedly with very rude, disrespectful speech and aggressiveness concerning the debt. The only person who was meeting customer service guidelines was XXXX. 

XXXX @ XXXX XXXX  XXXX XXXX began to badger me about owing the debt. She accused me and attempted to convince me that I owe the debt. She then accused me of not allowing her to speak. She continued with her badgering and accusations. I asked for a supervisor and XXXX XXXX XXXX  a second call was made and XXXX granted my request to speak to a supervisor named XXXX. XXXX XXXX argued that XXXX a letter was emailed, in fact, several were emailed and I am not getting another letter he assured. Sometime after, calls from XXXX XXXX in voice messages, was requesting my address. I don't know the nature of his request. If they have XXXX account, they would know my address. If they sent so many letters, XXXX should know my address. 

Their methods fall under unair Debt Collection Practices Act As amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p. 

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 

Table of Contents 804. Acquisition of location information 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 811. Legal actions by debt collectors 812. Furnishing certain deceptive forms ideas 813. Civil liability 814. Administrative enforcement 816. Relation to State laws 817. Exemption for State regulation 818. Exception for certain bad check enforcement programs operated by private entities 819. Effective date 15 USC 1601 note
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

Opened an account with SOFI XXXX XX/XX/XXXX received money {$1000.00} XX/XX/XXXX received money {$500.00} XX/XX/XXXX Withdrawal to bank cancelled by SO FI According to their terms and conditions, customers can receive, transfer money to and from Sofi to other bank accounts. 

However, this account was immediately frozen and all services suspended. 

I placed several calls to SO FI but was not able to get through for a few weeks. I finally spoke to one of their agents who told me that my account was under review and that this was standard practice, and to check back in a few days. 

I checked my account as suggested by the agent and still everything was frozen and all functions were suspended, so again I called back and was told at this time that I had violated their terms and conditions when I asked what this was in regards to. 

They were very vague and elusive and alleged that I had committed fraud. I was totally shocked. " Fraud! '' I asked what you are talking about. 

I am not aware of any such actions, and I find this very offensive and insulting. Again, I pressed for information : what and where were the specific violation in their terms, of which they did not provide, but they were very broad, evasive, and ambiguous. 

I have found this company to be very abusive to its members. They made me feel like a criminal. 

I filed a complaint with the XXXX  and received a letter back from SOFI on XX/XX/XXXX. 

They did not provide any proof of anything but informed me in writing that I was not getting my money back. 

As of today, I still have not received my balance of {$1500.00}. 

Sofi 's engage in deceptive business practice by keeping an account frozen and suspended. 
They can technically say its not close but rather state it's in review or it's suspended, therefore holding onto a person 's balance and not paying them. 
This is illegal, deceptive, and unethical. 

This harms the consumer on all levels. 

Consumers are further targeted and abused by their phone agents, who are very cold and harsh on the phone. 


They have no interest in helping them resolve their issues. This company goes a step further by sending out a letter with pages of terms and conditions but not highlighting any violations, are reference them for the consumers This is deception and opening an account they did a bait and switch. 

I feel that they committed fraud against me by their actions and have provided substantial proof of this fact. 

This company is unethical, financially dishonest, and abusive at the highest level, and I have been harmed by these illegal tactics. 
I want them to return what they stole from me. 
My {$1500.00}.
Product: Checking or savings account

US Bank, at branch level, closed my account and restricted access to online and statements. I communicated 2 months and was lied to by 4 different individuals as to why account was closed. US Bank stamped a check account closed onXX/XX/XXXX. I was told the account was NOT CLOSED shortly after. I received a letter XX/XX/XXXX stating after the date of the letter the account will be closed. This has caused other banks to put holds on my accounts causing declined payments in turn causing fines, fees, and heartache. My credit has been damaged terribly. I was also discriminated based on my religion from branch manager. I was restricted grow withdrawaling funds and there was no hold, and it was available. Even the phone bankers and the teller told me the money was there and available, but just wouldn't release. I've been waiting 3 months for resolutions. Haven't had any call backs and no one gives answers. I just received statement on Fri XXXX of XXXX. Outrageous. I now have restricted access to my XXXX accounts due to their closing and opening of my account without informing me. Please help
Product: Checking or savings account

I was charged XXXX for a week that my son did not receive services, she stated she would be refunding me and never did. He was no longer enrolled in that school. The owner also stated she would be refunding me XXXX for the registration fee and supply fee and it is something she never did. 
She also stated that because I had opened a dispute with my bank after the fact that she didnt refund me ) she would not be able to give me back my money. My bank stated they couldnt do anything and that I needed to contact the merchant, which I did and she does not want to resolve this issue.