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

I have FOUR problems 1. ) I purchased a XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX. I was approved with XXXX down with XXXX XXXX. I found out later the XXXX went to an extended warranty, and Gap they told me I had to purchase instead of the purchase price of the car. 
2. ) My car was repoed without notice on XX/XX/XXXX ; the next day, I paid the repo fee and the payment I was behind and picked up my car. The rep at credit acceptance told me to make the current payment, and I could defer the next one. I paid on XX/XX/XXXX. They called and said I paid the payment one day late, so my deferment was void ; they never sent me anything in the mail saying it was void. 
3. ) My car was put in the shop on XX/XX/XXXX, at the same place I purchased it, for almost seven months, while I was still continuing to make my car payment. The warranty I paid for would never pay for it ; the car dealerships owner found out about it and paid to have the car fixed. The warranty is a scam ; I need to be refunded. 
4. ) I informed Credit acceptance that I was a victim of fraud, someone filed a fake claim in my name for unemployment, my hours were cut due to COVID, and I got behind on two payments ;  they reported it instantly on my credit when they said they would not.
Product: Debt collection

I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.
Product: Checking or savings account

I purchased a car on XX/XX/year> from XXXX At the same time I purchased a car care insurance package from XXXX XXXX , through XXXX. I immediately decided to cancel that policy and used XXXX 's cancellation form. I expected a refund for {$1800.00}. XXXX said they mailed me the check, but I never received it. Whomever did receive the check apparently signed my name to it and cashed it. Well Fargo should not have allowed anyone to cash this check without ID, but they apparently did. Well Fargo would not speak with me, because I am not their client, XXXX is. Eventually XXXX sent me a fraud claim form to submit to Wells Fargo, and they submitted the form back in XXXX. In the meantime, I filed complaints with the Insurance Commissions of both XXXX, where I am, and in XXXX, where SilverRock is headquartered. In short, I've been waiting since XX/XX/XXXX for a refund check and it is not my fault or my problem that Wells Fargo cashed this check without checking ID to see that it was not me cashing it. I simply want the {$1800.00} owed to me by XXXX, and this money has to come from Wells Fargo. I heard from the insurance commissions and they instructed me to file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/XXXX ; XXXX/XXXX XXXX - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SER - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX - Date of inquiry XX/XX/XXXX ; XXXX XXXX - Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I was traveling in XXXX for the week. I tried logging on to my account to see how things were looking, and I was locked out. The message I see after I log in is: 

Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business (XXXX) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted.
If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https://support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement.
If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law.
Additional information regarding account logins from prohibited regions is available here.

However, their documentation says that if you try to log in from a sanctioned country, a message will block you from logging in until you return to your home country.
This is just not the case. It's been a MONTH, and I've been unable to log in.

I opened a support XX/XX/XXXX. I got an automated reply, then an actual response a few days later, saying that I'd need to send my proof of US residency in, and that I should stand by for the link to which I'd need to verify my identity to. That's the last I heard about my case. 

I tried opening a new "fraud" case, which got someone's attention, but only resulted in them telling me not to open multiple tickets for the same case.

I've wanted to transact, and I've been unable to. Coinbase has essentially hijacked my account and caused me to lose thousands of dollars.
Product: Credit card or prepaid card

I booked a hotel stay through the American Express XXXX XXXX XXXX XXXX program on XX/XX/XXXX, for a stay at the XXXX XXXX DC from XX/XX/XXXX - XX/XX/XXXX. 

American Express 's stated ( among other benefits ) the following benefits for the XXXX XXXX XXXX XXXX program : {$200.00} in statement credits each year on prepaid bookings with American Express XXXX XXXX XXXX for two {$100.00} experience credit I received the {$200.00} statement credit upon prepayment. 

I discovered that I was charged {$170.00} upon checkout on XX/XX/XXXX, including {$160.00} for room service breakfast for both days. I called American Express on XX/XX/XXXX, and spent 26 minutes on hold while they researched the benefits. They were unable to provide me a satisfactory explanation as to : 1. the reason for charging breakfast, which should have been included 2. the reason the experience credit was not applied, if breakfast was not included I believe this to be a clear violation of the benefits that are stated directly on their webpage : I was advised to call back to start the entire process over again. 

https : //www.americanexpress.com/en-us/travel/benefits/how-to-use-hotel-credit/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and sending letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX four times since XXXX of last year XXXX. The credit bureau have stated due to the covid pandemic there has been delayed. And in my response to my dispute letter will be longer than 30 days. I did not think it would have been more than a year and four letters of no response and resolutions of inaccurate information on my credit report that is affecting on my life especially due to the pandemic. please help me resolve this
Product: Money transfer, virtual currency, or money service

My Coinbase Pro account was compromised on XX/XX/2021 when my cell phone number was given away and activated on another device not in my possession @ XXXX PM ( Thank you XXXX ) and the thief was able to conduct a password recovery process with my email via SMS ( also on the XXXX of XXXX ). Once my email was hacked they were able to initiate a password recovery process to my Coinbase XXXX account. They converted some of my current Crypto currency investments back to USD and then converted to XXXX ( XXXX ) before transferring out and off of the Coinbase exchange. Also, while in my account they initiated a withdrawal from my cash account ( local bank ) and via Coinbase policy, they were permitted to instantly convert or trade the cash equivalent of {$1000.00} instantly without having to wait for the transfer to finish. Upon recognizing the breach on XX/XX/XXXX, I successfully placed a stop payment on that transfer with my local bank. Now, Coinbase wants me to cover the funds they allowed to transfer off of their platform and hold me liable. Essentially I'm being asked to fund the criminal activity so the exchange doesn't lose money.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Attached is a physical letter that I sent to XXXX disputing this account and they failed to respond. They have failed to verify the debt but they are still reporting it on my Credit Report. Please remove this account fgrom my Credit Profile.
Product: Debt collection

Although I no longer work at my old job, this number continues to call about a debt which they refuse to disclose when you call the number. My old coworkers have told them to cease calls at the work place. They now call my new phone under an Unknown Number. The voicemails left on company messaging contain information they claimed they have received from my public record.
Product: Debt collection

**Legal Response to Third-Party Debt Collector ( Mcu Holdings ) **Date : ** XXXX **To : ** Mcu Holdings **Subject : ** Response to Debt Collection Request for Verification and Dispute of Debt Dear Mcu Holdings, I am writing to acknowledge receipt of your communication dated XXXX regarding the alleged debt owed to Helix Financial by XXXX XXXX, reference number XXXX , in the amount of {$3200.00}. Please consider this letter my formal response in line with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, which mandates that I am entitled to request validation of the debt.

**1. Request for Debt Verification** I request that you provide the following verification within 30 days from receipt of this letter : - The amount of the debt, including a full breakdown of principal, interest, and any fees or penalties applied. 
- Proof that you are authorized to collect this debt on behalf of XXXX XXXX or XXXX XXXX including the original agreement. 
- A copy of the original signed contract or agreement between me and XXXX XXXX XXXX XXXX XXXX 
- Proof that the statute of limitations has not expired on this debt and the date of the last payment made toward this debt. 

Until you provide this verification, I respectfully request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If you are unable to provide proper documentation within the requested time frame, I will consider this debt invalid, and any further collection attempts will be disputed. 

**2. Dispute of Debt** As of now, I dispute the validity of this alleged debt and request that it be investigated. If you have any documentation to show otherwise, I would expect to see it within 30 days. Please note that any continued attempts to collect this debt without providing sufficient proof of its legitimacy will be considered harassment, which is prohibited under the FDCPA. 

**3. Cease Communication Request** Additionally, under Section 805 of the FDCPA, I formally request that you cease all communications with me except for the specific verification of this debt. Any further unsolicited contact will be deemed as a violation of my rights.

**4. Settlement Options & Negotiation** While I have not agreed to the terms presented in your recent communication, I am open to negotiating a settlement or payment arrangement once proper verification of the debt has been provided. Should the debt be validated, I am prepared to discuss reasonable terms for resolution. However, please note that I will not entertain any settlement without first receiving full validation and documentation. 

Thank you for your attention to this matter. Please provide the requested information within the next 30 days, or I will consider the debt invalid and take further action, including reporting any violations of my rights to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017
Product: Money transfer, virtual currency, or money service

Funds transfer from XXXX  XXXX XXXX to XXXX XXXX  via Zelle. 
XXXX  XXXX XXXX claimed & concluded from my recent inquiry that funds were withdrawn. XXXX XXXX  Account Holder claimed not received. Per Zelle, I need to inquire with my bank even after I explained that the money is with the Zelle provider. 
If both XXXX & XXXX do not have it, then where is the funds... floating in the air?
Product: Debt collection

Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.
Product: Student loan

I received a collection letter from General Revenue Corporation dated XX/XX/XXXX, I sent a dispute letter via. registered mail on XX/XX/XXXX. They in turn sent me some of the information I requested, notably the signed contract on XX/XX/XXXX. I then sent them a certified letter finding the debt invalid per paragraph XXXX of the contract ( see documents ). I next received a " FINAL '' collection letter dated XX/XX/XXXX, since my letters and phone calls have gone unanswered I have no other choice than to file a complaint. I have included the " FINAL '' letter from GRC, the contract page with the paragraph and law ( 42 CFR 57.211 ), and the disability letter from the department of education, as well as the return receipt finding the debt invalid.
Product: Debt collection

On XXXX XXXX, XXXX, I added a debit card to my PayPal account, and completed a large purchase with XXXX. Using PayPal as the payment provider ( and using the debit card as the payment source ), the transaction completed. 

An authorization charge for {$20.00} was posted at this time. 

On XXXX XXXX, XXXX, XXXX the payment fully went through with the following description on PayPal : " XXXX XXXX You 'll see " PAYPAL XXXX XXXX '' on your card statement. 
on XXXX XXXX, XXXX '' I did not receive any following communications from either PayPal or XXXX. I received my product and everything was fine. Until earlier this month, I got an adverse action notice stating : " This email contains important information about your PayPal account. Our records indicate that your PayPal account has been negative for 22 days or more. The amount owed today to resolve your negative balance is {$3500.00}. '' I checked with the card provider and I can verify that the full amount was charged to my card on XXXX XXXX. 

Therefore, PayPal is asking that I pay a debt I do *not* owe. 

I called them today XXXX XXXX XXXX, XXXX ) and they said my card was declined which is why I was " fronted '' the money. Of course, this is absurd. If the card was declined, then they would have stopped the transaction instead of asking me to pay over {$3000.00} in debt. 

This is crazy!
Product: Credit card

On Wednesday XX/XX/XXXX at approximately XXXX XXXX  ET, during a Best Buy ( located at XXXX XXXX XXXX XXXX XXXX , XXXX, MA ) purchase, I was manipulated into obtaining a store credit card. Store manager XXXX, who was the cashier that processed my transaction, falsely advertised the store membership and credit card as a XXXX  XXXX  promotion. He then asked for my information as a form of identification in order to prove my eligibility for said promotion. I expressed I was not comfortable with sharing such information and he assured me it was just the standard procedure and that it would not be used for any other purpose than to confirm my identity in regards to the purchase. When I questioned the extra {$49.00} charge XXXX insisted that the total wouldnt be any different if he were to remove it, that it was merely a required hold. Upon leaving the store I received an email confirming my credit card application, and another welcoming me to their membership program neither of which were mentioned to me. I gave no consent to this and was coerced into singing up through a misleading presentation by the store manager. This occurrence is common at the store, salesmen are often encouraged to try and get away with membership charges and credit card applications as they are paid per commission.
Product: Vehicle loan or lease

I have been trying to work with Ally Auto for the last couple months. 
Contact efforts to their purported designated departments have been made by me by phone, online, email, and in writing. 
Their operations are broken, they do not respond, can not comprehend basic account assistance requests or accomplish anything relevant to servicing my needs at all. 

An internal escalation request was filed more than XXXX month ago with no follow up. 
A second external escalation has been filed XXXX weeks ago with no courtesy of a return response to date. 
This now serves as the third escalation attempt here. 

Please expedite assigning my loan to a competent person at Ally, I can be reached via XXXX I look forward to resolving my loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX AFFIRM XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX, XXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. XXXX XXXX must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive filed a dispute and the companies have only done checkups on the reports. they have not removed the unknown sources off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband went to XXXX  XXXX to view a car. I was not present. 
XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
Product: Credit card or prepaid card

On XX/XX/2018 I reported a fraudulent charge of {$480.00} to Capital One, my credit card company. The company has since issued three adjustments ( debits ) of {$480.00} and three adjustments ( credits ) of {$480.00}. The original fraudulent charge was not reversed. I have spoken with several reps. in the Fraud Department, left messages which were not returned ( XXXX ) and sent two letters, dated XX/XX/XXXX and XX/XX/XXXX disputing the {$480.00} debit. I sent the XX/XX/XXXX letter with copy to the corporate CEO for which I received a postal certified receipt. I have not heard since.