23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a student at XXXX XXXX University ( XXXX ) while I was stationed at XXXX XXXX, Maryland in XXXX. I was using the XXXX Tuition Assistance ( TA ) program at the time to pay for my classes. During my first semester, I received a Failure for Incomplete ( FI ), because I participated in mandatory XXXX training and was unable to take the final exams. Because of this failure, the XXXX recouped the TA money it spent on my courses. The money was taken out of my pay over a 12-month period, ending in XXXX. 

Since XXXX, XXXX has been attempting to collect the debt, totaling {$2200.00}. Every year, I get a collection notice, and every year I refute their collection attempt with actual documentation from the XXXX Education system, showing that the money was recouped by the XXXX. Upon sending them this information, I do not hear anything back regarding any changes in my account. 

However, every tax season, I receive another notification of an attempt to collect. The company attempting to collect on behalf of XXXX this year is : Synergetic Communications, Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX They are the same company that tried to collect in XXXX and XXXX. Ive sent the documentation showing that I paid the debt in full to both XXXX and Synergetic. Neither entity acknowledges the information Ive provided, yet they continue to harass me for repayment. I should NOT have to repay them if the money was already taken from my XXXX XXXX pay between XXXX.
Product: Checking or savings account

In XX/XX/2018 I purchased a {$500.00} gift card from XXXX XXXX in XXXX XXXX NY. I paid with my Chase account. The gift certificate was only valid for one year, this was not disclosed to me until after purchase. XXXX was closed for over 6 months when the owners sister had XXXX, so we are told, and the remaining 6 months we were told there was no availability. When we complained we got a 1 month extension and were told to accept a single date in XXXX that did not work for us. Please help, the owner has kept our money and has been completely unwilling to work with us to fulfill the certificate we purchased. No services were ever rendered as we were only given 1 date that the certificate could be used for an entire year and that 1 date did not work. At the time of purchase I was told the certificate could be used at any time without restriction.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I'm urgently requesting that you take immediate action to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize or initiate them. It's unfair for me to be held responsible for these accounts, and I urge you to address this issue promptly.
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer from my Associated Bank checking account ( via Associated Bank 's website ) to an external bank account. The transfer amount was for {$10000.00} which was scheduled to complete on XX/XX/XXXX. ( Note that my checking account has a limit of {$10000.00} per day for 'next-day ' transfers and {$50000.00} per month for 'next-day ' transfers. My goal was to make five transfers for {$10000.00} each day of the week ). 

On XX/XX/XXXX I saw that the {$10000.00} in funds were transferred as expected. I then initiated another {$10000.00} transfer from my Associated Bank checking account to the same external account. This transfer was again for {$10000.00} and was again a 'next-day ' transfer, scheduled to complete on XX/XX/XXXX. This time I received an error stating " Error : The transfer amount you have entered exceeds the daily limit for Next-Day Service Type. '' Around XXXX I called the bank 's member support number to resolve the issue. They acknowledged that my request on XX/XX/XXXX to transfer funds on XX/XX/XXXX should have gone through. It did not exceed any daily limit. The support representative said that they would work to resolve the technical problem and call me back at the end of the day. I did receive a call back but the problem had not been resolved. At XXXX I was still not able to initiate a second transfer. 

Being locked out from transferring my funds is completely unreasonable. To make matters worse, this entire situation was preceded a day prior by a nearly impossible process to have Associated Bank cash out a XXXX account at maturity. Multiple support representatives claimed that I could only cash out my XXXX ( even though it matured that day ) by going to a physical branch and signing a form to move the funds from the matured XXXX account into my checking account. Because I travel for work I was over XXXX miles from the nearest branch and couldn't go in-person to get my funds released from my XXXX account. I was finally able to reach someone at a local branch who gave me instructions for how make a request by email to have the funds be released. 

Both of these experiences demonstrate that Associated Bank is failing to provide essential banking functionality. The problems appear to be poorly implemented bank services but this week has left me wondering if they are intentionally making it difficult for members to move money out of Associated Bank 's management. I will be closing my account with Associated after this experience.
Product: Checking or savings account

Bank of America was charging me so many fees and holding my reward
Product: Credit reporting

To whom it may concern, I was XXXX in 2010 from car accident, I was on XXXX until a few months ago. Now I 'm on XXXX. I 'm trying to find housing for the XXXX but I am having a problem with XXXX paying bills slowly. I ended up getting a few bills in collections from them. I called and spoke with the agencyies most took there stuff off my report quickly. I am having a problem with one agency that continues to cause problems. They have report on all my credit reports some even a couple of times on the same report. I need help dealing with these folks. they are unfair and uncooperative. Name of the company is XXXX XXXX XXXX XXXX HI, XXXX
Product: Debt collection

XXXX XXXX XXXX has reported a collection account on my credit on behalf of XXXX ; I do not have an account or has never had an account with XXXX. This issue was addressed with XXXX and I was reassured this issue was resolved that this account do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/year> and XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Product: Credit reporting, credit repair services, 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, 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone logged into my mothers PayPal account and sent {$250.00} to themselves. My mother is currently incarcerated Since XXXX/XXXX/2022. I have sent Proof to PayPal and the collection agency that she and still is incarcerated. They refuse to see this as fraud and continue to say she owes them the money. I have written authorization but from prison, but PayPal wants me to hire an attorney just to speak with them, they will only take verbal authorization even though she is unable and in a venerable situation that she can not defend herself. 
This person knows my mother very well and found her password, be careful with PayPal, PayPal has been a nightmare to speak with and to get any help possible. 
DO NOT USE PAYPAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University is a fraudulent account. I did not open nor authorize anyone to open any accounts for me. Please delete.
Product: Debt collection

Was quoted my bill for XX/XX/XXXXcar insurance at XXXX dollars after making changes and purchasing a vehicle in XX/XX/XXXXthis year by agent on phone and have call recording of this incident. When I went to pay it on the due date in XX/XX/XXXXthey said I owed XXXX dollars, I said that's not what I was told on the phone. After arguing I just decided to shop for more insurance and found comparable insurance to initial quote and thought that was it, nope they said I owed XXXX   dollars to XX/XX/XXXX, something I never agreed to, especially at that price. After it went on to collection 's I contacted my state insurance commission and file a complaint. I couldn't never send the audio recording as the website refused to allow the media file to go through. Once it was closed by them in late XX/XX/XXXX, early XX/XX/XXXX, not 2 or 3 days had the collection show up on my credit file. Back to arguing with Caine and Warner, XXXX, and my insurance commissioners office. My state has been no help, seems like apparently they can get away with this, I'd wonder how fast us people would be delt with by all forms of agencies if this was the other way around. I was a progressive customer since 2016, had zero claims, and now I'm being attacked personally for there mistake, not to mention I paid about XXXX on XX/XX/XXXX, which didn't cover me out to XX/XX/XXXX my due date apparently. My commissioners office said they covered you in XX/XX/XXXXso it's legitimate, I just go back to XXXX dollars growing to a whopping XXXX? How again is any of this my fault? Had the quoted amount been accurate I probably wouldn't have purchased the vehicle I was about to upgrade to in the first place. Sure hope this helps get this resolved, can't believe a company who made nothing but profit off me over 2 years would go this far over such a small petty amount. If this and the XXXX don't get it resolved my only option is small claims court I guess. Really ridiculous I might have to go that route over such a small amount. It's not about the XXXX dollars ( filing a suit will cost double that ), it's more about the principle!
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed a credit inquiry that I did not recognize and did not authorize anyone to pull my credit report. The inquiry was made by the company listed below : Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX Date : XX/XX/year> Please validate the info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Checking or savings account

Yes i have deposited a coupke check i the account. 1 was retured because i was scamed. The other 2 cleared. They restruceted my account for some time now. I submitted the proper documents and even drove 45 miles to there office to try and fix this. I called in one morning and they finnally said the the accout was unrestricted. So i get in my vehicle and drive to the nearest bank of america. Once i got there i went to their atm and tryed withdrawing XXXX $ and it got denied so i called them back up and the restrictedy account again and they have to re reveiw the acount. This has been ongoing for about a month now. We just got hit by that hurricane and fiunds are needed.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase in the amount of {$800.00} on XXXX using my Citi credit card. On XX/XX/2021, I canceled the order, the seller would not refund, and the seller did not and would not ship the item. On XX/XX/2021 I filed a dispute with Citi cards for the purchase. On XX/XX/2021 Citi declined my dispute. In their decision, Citi referenced a response from XXXX. XXXX stated it was an Invalid Dispute - Services or merchandise were provided prior to cancellation date. No proof of cancellation was provided. This is false, the merchandise was never shipped or provided! On XX/XX/2021 I contacted XXXX, and they would not assist, as they said it was up to the credit card company. Im not sure why XXXX gets to decide, as I purchased directly on the XXXX website. 

I paid for an item I did not receive. I canceled on XX/XX/2021. To date I have not received the item, nor have I been refunded. It is not marked as shipped on XXXX, there is no tracking number. Even in the response from XXXX, there is no tracking number or shipping information. 

Attached are the correspondence with Citi, XXXX and the XXXX  seller - I clearly ask the seller to cancel, and refund on XX/XX/2021. Also attached is the XXXX  page showing that the item was never shipped. 

Please help! I dont know how this is complicated, I paid online for an item, that was never sent, and I wasnt refunded. I could lose {$800.00} dollars. Im single father and I cant afford that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/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 Experian ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : 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 IN XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Inquiries : XXXX XX/XX/2021 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

DIDNT RECEIVE NOTICE OF RIGHT TO DISPUTE ALLEGED DEBT
Product: Credit card

Dear CFPB, I am writing to express my dissatisfaction with the way Wells Fargo has handled my disputes. They have intentionally made the process difficult and delayed resolution, ultimately resulting in transactions remaining unresolved for over 120 days, some of which have not even been submitted as disputes. 

I am providing the following claim IDs for your reference : XXXX XXXX XXXX I urge the authorities to oversee this matter and hold this bank, which is clearly neglecting consumer rights, accountable for its actions. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # 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
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Hello, I opened an account with with XXXX XXXX on XX/XX/XXXX. I fell on financial hardship and wasn't able to pay any longer. They sold my account to portfolio recovery they started reporting XX/XX/XXXX. I sent them a validation letter all they sent me was a bill back their wasn't a contract or an original signature attatched to it. I also looked up and they aren't able to collect in Maryland because their license expired in XX/XX/XXXX. It is a violation for them to collect with an expired license due to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to update/correct my personal information on file with Equifax, XXXX, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I received a text and an email from Chase Bank verifying a purchase I made. I approved the purchase via both methods. Later in the day, I attempted to make a purchase ( {$95.00} ) from XXXX XXXX and the transaction was declined. When I contacted Chase the first time, I was placed on hold with dead air for 20 minutes. This happened a 2nd time. The third time I called, I made it very clear that I needed to speak with a person right away. I was connected with fraud prevention. I explained the situation to the specialist.

The specialist had to verify my identity, however in order to do so, they had to call me on my cell. I explained to the specialist that there was a call filter on my phone which prevents XXXX numbers from being able to contact me ( due to the amount of spam calls, etc. ). They tried anyway and then stated that I would have to call THEM back. I called the number given and received another specialist, in which I had to explain the entire situation again. This person asked if I could remove the call filter. I notified them that I could try to do so, however there was no guarantee that it would be in effect immediately. XXXX sent an email stating it could take up to an hour. I called fraud prevention a 3rd time and was told that I had to go to a physical branch.

Upon going to the branch, the two gentlemen called fraud prevention and asked to speak to a supervisor. The supervisor then spoke to me and attempted to call my phone again, after explaining for the nth time that there is a filter on the line. The supervisor then asked me to call them ( again ). I did so, while the two Chase employees stayed on the phone with the supervisor. This time, the specialist I was talking to verified my identity with one of the credit cards I hold with Chase and via all the purchase amounts within 24 hours. The supervisor was then able to verify my card was unlocked. 

I went to make the purchase from XXXX XXXX again and the card was still locked. I called Chase again, asked to speak to a supervisor, who said that they could only verify my identity via my phone number. I had to call the branch again and the gentleman who helped me previously had to call fraud prevention AGAIN and resolve the issue. 

I could have been in an emergency situation needing to order a rideshare service and wouldn't have been able to with my card being locked. I had verified the purchases. This is MY MONEY and access to it is my right. By denying me access to my funds and having ridiculous methods in place to verify an identity without a backup method on the organization 's part is disturbing. After this ordeal, I will be pulling my business from Chase.