23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

1. A 12-month CD was opened on XX/XX/XXXX. 

2. On XX/XX/XXXX, I called Discover Bank and spoke to a " XXXX in XXXX '' who informed me that my CD Balance on the Maturity date would be {$66000.00}. I requested a letter of acknowledgement and XXXX assured me that she would place this request immediately. The Reference # for this call was XXXX XXXX XXXX XXXX Today, XX/XX/XXXX, the information I received from " XXXX in XXXX XXXX is that the Balance and Term are both less than what was promised ( on XX/XX/XXXX ). XXXX further informed that their Back office was unable to generate the letter the representative " XXXX in XXXX '' assured me I would receive. Unfortunately, this call was suddenly disconnected so I called back and spoke to a Supervisor named " XXXX in XXXX '' XXXX. XXXX suggested that all of the information related to my concern about the lower Rate and Balance was contained in the Discover Bank Disclosures. But, when I informed XXXX that I did not receive the disclosures until months AFTER my money was deposited, he became nervous and began to stutter. At this point, I confirmed that All calls are recorded and requested a Case number and Reference number for my call with XXXX. XXXX provided the following : Case # XXXX and Encounter XXXX XXXXXXXX. 

I also asked XXXX to repeat the Encounter # for the XX/XX/XXXX call with " XXXX in XXXX '' which is XXXX. 

5. The policy of Discover Bank is that I have only nine ( 9 ) calendar Days to withdraw my funds or the full amount will rollover into a new CD 6. My intention is to withdraw the full {$66000.00} before the nine Day period expires.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information.

( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
Product: Checking or savings account

I began receiving statements from Marcus by Goldman Sachs. I called Goldman Sachs on XX/XX/year> to inquire about the accounts and I was told 4 accounts had been opened dating back to XX/XX/year>. All had zero balances. As soon as I told them that I did not open the accounts, though they were being mailed to my address and in my name, they said they could not give me any further information until I mailed them a report from IDTheft.gov and from the police. I asked if they could " verify '' me ( aka confirm my SSN ) to give me that information and they said they could give me no further information. I asked if they could confirm the accounts would be closed and they said they could not even tell me that because I had stated I did not open the accounts. 

The police can not give me a report. They can only provide an " info statement ''. I have to wait two weeks to obtain this.
Product: Vehicle loan or lease

Good afternoon, Wells Fargo Auto caused damages on my car during a repossession process ordered by them, who executed that order was " XXXX XXXXXXXX XXXX '' who used a XXXX  tow truck with which they dragged my car, damaging part of the transmission system, the tires and the back bumper of the car, the damage was serious because the wheels were locked due to a lock that the car has when the key is not nearby. In order to recover my vehicle I had to pay the outstanding fee to the bank and the repossession ; a bank representative said that I could go to the auction yard in XXXX to pick up the car ; On XX/XX/2023, I went to that place where I found several damages in my car ; Before removing the vehicle, I called the Bank to report the damage and file a complaint. I filled out a form there indicating the damages that I could see. At the present date, the Bank does not want to be responsible for the damages caused in my car, 3 months have passed since I filed the complaint and they have notified me 2 times saying that the damages were caused by me and that they are not going to make any repairs to my car. I can not use the vehicle due to the damage it has had since I pick it up from the auction because it is unsafe and dangerous to drive it in these conditions. The Bank says that I have to continue paying the car loan. Since the date I went to pick up my car, I have filed several complaints related with this issue with Wells Fargo Auto and they do not want to be responsible for what they caused, Wells Fargo Auto hired " XXXX XXXXXXXX XXXX '' to recover my car on their behalf, causing the damages described ; " XXXX XXXXXXXX XXXX '' says that they have nothing to talk about with me, that they were hired by the Bank and they give answers only to the Bank. The Car was transferred to the XXXX XXXX auction where I went to pick up my damaged car and filed the complaint ; I need your help, thank you very much.
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 XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Credit card

Citibank XXXX XXXX balance transfer is a scam. I applied online to their website and a couple of days later XXXX XXXX  alert .they never checked my credit and they got all my information.now in process of freezing my accounts and social too.change my phone number and email.stay away
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$340.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am a XXXX of XXXX XXXX XXXX XXXX XXXX International XXXX. We are a 501C non-profit organization based in Florida. Every year, we hosted a beauty pageant event and in order to be able to compete in our beauty pageant, a contestant must submit and online application and pay a {$500.00} application deposit. 
The full entrance fee is {$2000.00} which cover the contestants foods and hotel cost during the pageant week. On XX/XX/2023 a contestant submitted her application fees in the amount of {$500.00} through XXXX. After subtracting XXXX service fees, the total amount available to us is {$470.00}. When I logged into my XXXX  account, I submitted all my formation document, my bank account statement and my ID as requested by XXXX  in order for them to verify our organization.

Today I received an email from XXXX stating that they are closing my account and the funds in my account will be on hold for 90 days. I dont understand why they closed my account. I never have any charge back or conducting any illegal money laundering activities on my account. I am a legal XXXX XXXX and I paid all my taxes annually. Our organization is a 501C non-profit organization. I need to know the specific reason why my money is on hold for 90 days and the specific reason why my account was closed.
Product: Credit card or prepaid card

There was a fraudulant debit aganist my account on XX/XX/2019 i contacted purpose card concerning this matter. They explained to me they were aware and cut my card off right before XXXX without my knowledge. I explained to them that was the only money i had was in there account and i needed my card reinstated to buy groceries. They would not turn my card back on and i have not heard from them since. I have no access to my money at all.
Product: Debt collection

On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing Midland Credit Management also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I went to XXXX school back in XXXX and received a loan from Sallie Mae for the amount of {$8000.00}. I made payments to Sallie Mae until the loan was paid off at the end of XXXX. I never received paperwork or anything in the mail showing a payoff of the loan. I moved to the east coast from XXXX XXXX to XXXX in XXXX and thought the loan was paid off and in XXXX they garnished my husbands federal tax returns through a company called Navient and sent the rest of this bogus loan amount to a collections company out of XXXX XXXX called XXXX XXXX XXXX. 
Tried calling Navient to figure this loan amount out that was already paid and I get no calls back. XXXX XXXX say they are collecting on Sallie Mae 's behalf also, but nothing is on my credit report regarding student loans or these amounts. Navient has took my husbands XXXX & XXXX tax returns totaling over {$5000.00} and now I need some help getting this debt that was paid removed before they try and garnish his wages too. They are liars and crooks and they are ripping off the hard working American people.
Product: Credit card

I recently moved and changed banks. I neglected to change the account used to pay the balance on this card. The incorrect bank was charged on XX/XX/XXXX and refused payment for insufficient funds. When I received a note from my former bank that there were insufficient funds for the ACH ( on XX/XX/XXXX ) I immediately went online with the credit card company web site to correct the record and make a new online payment from my new bank. The web site refused to allow me to make a new payment or correct the bank for the current month. Still on XX/XX/XXXX I called the credit card company and spoke with a representative who said that I could not make a new payment until the CC company had been notified by the bank that there were insufficient funds. I was told that the bank notification of insufficient funds would " clear soon '' and I would be able to make my payment online but that there was no point in calling them back. I have been checking twice a day since XX/XX/XXXX. On XXXX XXXX I received a new notice from my bank that the CC company had made a second attempt to charge the bank ; however, I still can't make a payment online or correct the payment information for the current month. Today - XX/XX/XXXX - I contacted the CC company again by phone and they still refused to allow me to make a payment or correct the payment information for the current month, saying that their system did not allow it. The representative supposedly asked a supervisor and the supervisor also refused to allow me to make a new payment on my account or change the bank that the CC company is incorrectly charging. Late charges will begin to accrue on XXXX XXXX. I have asked that records be kept of my repeated attempts to make a payment and their refusal to allow me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, EXPERIAN has violated my rights.

15 USC 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 On XXXX i sent a certified letter to experian requesting them to respect my privacy. 
experian responded with they verified the accounts were mine. I did not ask experian to verify account. I asked experian to remove accounts they furnished and shared without my written or oral consent. I request experian to send me a notorized letter stating I gave experian permission to share information. Experain failed to send me documents
Product: Credit card

I have had a XXXX  credit card for over XXXX  years. Never late with a payment ever. I was in VIP standing. On XX/XX/XXXX I went to the bank which is B of A and spoke to the XXXX regarding a totally different matter. While I was there the XXXX said oh by the way your credit card has been closed. I was shocked. She couldn't tell me why. 

I then for days I tried to get ahold of someone within B of A to try to understand why. They wouldn't tell me. 

I still to this day don't know why a good standing customer 's card would be canceled. 

XXXX person said something about the XXXX XXXX account which I am a volunteer with had something to do with it. But would not tell me what. The whole thing is extremely upsetting and makes no sense. This credit card is mine personal. The association which is called XXXX XXXX XXXX XXXX is a small non profit community association. They have been around for 55 years never a problem. And I am only a volunteer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account with XXXX, XXXX, and Equifax. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter
Product: Mortgage

On XXXX, Specialized Loan Servicing LLC, didnt accept our payment for XXXX mortgage in the amount of {$4000.00} and the for the amount we owe last XXXX in the amount of {$1000.00}. The total amount we paid last XXXX was {$5100.00}. They said they sent us a check in which I called them back before the month of XXXX and said I still havent received the check in the mail. They said they will re-isssue a check again so if I receive the first one just toss it. The next day, I went to the mail and found a lot of mail from their company and one of them is with the check issued by XXXX XXXX So I just kept it to show proof that they will be re-issuing me a check in that same amount. Days passed by, I called them again, messaging them through my email and messaging them using their online messaging system, but unluckily, they seem not to answer our question using the our email or their messaging system online. They just kept calling, but still no answer using the email we have sent them or their online messaging system. They kpt sending us mail stating that we are past due on our mortgage. We were past due because they didnt accept our payment to them last XXXXXXXX XXXXThey cashed our payment checks that was sent to them last XXXX. Our bank confirmed that our bill pay payment was cashed at XXXX XXXX by Specialized Loan Servicing. 
Now we wondered why they cashed the checks in XXXX XXXX and sending the payment back to us if they are not accepting our bill pay payment. They said onlyg certified funds. But they cashed our bill pay checks last XXXX XXXX 
Now, were still in waiting for that re-issued check. They said today, it was sent last XX/XX/XXXX. But in fact, another representative told us last Saturday, XX/XX/XXXX, that it was cancelled because it havent been cashed and that theres no re-issuance check yet that was mailed to us. So, this representative today looks like she didnt know what shes saying. She told me that she will send an escalated note totheir manager regarding this. So now, theres stillno check arriving to us. Our mortgage account is showing a past due of {$5300.00}. Our account shows an unapplied/suspense of {$3000.00} in which We didnt know what was that about. Our mortgage has been purchased three times already and Specialized Loan Servicing is the present servicer. They are the worst company. I dont know how they managed to still be in this industry wherein we have seen a lot of complaints about Specialized Loan Servicing , LLC . 
Please act asap!
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, 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

Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX, XXXX XXXX. XXXX XXXX removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit report that are incorrect and I have tried several times to get them corrected and it is still there. I have tried calling Experian to speak to someone and they do not answer the phone. The account for XXXX i have disputed many times and have spoken to acima they are stating they contacted experian and have reported this account as closed yet experian has not updated this after several requests made to them. There are also accounts on my credit report that are more than XXXX XXXX XXXX showing negative. ( XXXX and XXXX ). There are addresses on my account that I have requested be removed because they do not belong to me for example the one in Illinois I have provided police reports showing identity theft yet nothing has been done. There are also errors to my name and that has not been rectified either. I tried reaching out to experian but they do not answer their calls. This has affected me getting a home loan.