23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion : XXXX  XXXX XXXX / XXXX Account number : XXXX *** Transunion XXXX Account number : XXXX XXXX  : The XXXX XXXX XXXX Account number XXXX *** XXXX XXXX Account XXXX 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 my 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 antedate 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 reporting consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I closed my  Keybank che cking account around   XXXX   XXXX   XXXX  . Almost  two yea rs later around,   XXXX   XXXX   XXXX  , I get an overdraft notice from them. Evidently after my account was closed, it was forced open when an  XXXX  autopayment went to that bank in error. I had told my  XXXX  agent I was changing banks. i set up autopayment through my new bank. Evidently,  XXXX  insurance in error withdrew my payment from both  Keybank  and   XXXX   XXXX   for almost  two yea rs and did not find the error until they looked into it.  XXXX  gave me a check for the amount withdrawn from the  2nd  bank which I repaid to  Keybank. T hey still want extensive overdraft and late fees and never notified me of this until the relvolving credit line that was associated with the account reached its maximum ( no letter in the almost  two yea r period to notify me this was happening ). Now  Keybank  tells me   XXXX   XXXX   is responsible for the bank fees assessed over that time frame.  First Keybank said  they would go after  XXXX  for those fees. Now they say it is my responsibility to go after  XXXX . I have no idea who to contact for this matter. I prefer not to work through my  XXXX  agent and deal directly with the correct department.   I do n't know what to do now and have been harassed by debt collection calls from  Keybank th roughout this time frame. I just do n't have a lot of extra time to deal with this working full time til almost the time the bank closes each day. I owe the bank around {$1800.00} per them minus the insurance check I gave them on the cash reserve credit account portion as of  XXXX  and {$79.00} on the checking account portion.  Keybank  account  XXXX . The  XXXX  premium was a life insurance policy. Can you tell me, should  XXXX  pay these fees ( since it was their error that caused all this )? I think it is a bad practice that bank accounts can be caused to reopen once they are closed out ( I had no idea this could happen  ). The  bank account is frozen but still assessing late fees from my knowledge. Any copies you need will need to be forwarded by mail.
Product: Debt collection

Balance from Lenme Loan for {$150.00}. Received email regarding payment due, but, message included " With a perfected security interest, Lenme is now permitted to foreclose on and seize all your assets, unless you resolve the outstanding obligation. This is your last chance to delay the lien by paying the outstanding balance but clicking the link below ''
Product: Debt collection

I entered in to a consumer credit transaction On XX/XX/XXXX, with ALLY FINANCIAL INC . This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, yet, Ally Financial Inc took {$6000.00} cash from me in order to allow this transaction. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle. 

I made a grave error in the operation of the alleged account with Ally Financial Inc and I continue to notice that they have willingly and deceptively not given me information that 15 U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. Ally Financial Inc is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do. 

Upon review of my contract in regards to my consumer credit transaction between Ally Financial Inc and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by Ally Financial Inc made the contract void. 

On XX/XX/XXXX, Ally Financial Inc received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. Ally Financial Inc violated 15 U.S.C. 1692 g ( b ). Ally Financial Inc proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. Ally Financial Inc failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. Ally Financial Inc has also failed to send any response to the notary presentment. Ally Financial Inc continued to accrue charges, fees, interest, and penalties against myself. 

On XX/XX/XXXX, Ally Financial Inc received and signed for the Notice of Lien. 
They acted more aggressively while failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to repossess my vehicle. Ally Financial Inc violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ). 

On XX/XX/XXXX, Ally Financial Inc called a member of my family and discussed the debt and their repossession order with this person. This call was recorded and Ally Financial Inc was informed about this. This is a violation of 15 U.S.C. 1692 c ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX 2016
Product: Mortgage

Can the mortgage company request, for the housing counselor to sign the letter of authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

Towards the end of 2013 I switched credit cards from XXXX to a XXXX credit card. All charges should have switched starting in XXXX. Knowing that all charges were switched I thought everything was good, and I do n't need to monitor XXXX account any more. It turns out one small charge of {$25.00} dollar slipped and hit XXXX account. For some reason, starting that month, XXXX system failed to send email notice of statement balance. So the charge resulted in penalty and interest charges for a few months, before someone from XXXX finally called me to tell me I had a delinquent account ... all due to {$25.00} charge that I was never notified about. Long story short, and tons of calls, they decided to remove 1 late fee. I paid it promptly. The problem is the delinquent account and missed payments are still on my record. The worst part is the associate from discover admitted that system was not sending me any form of monthly statements nor did anyone call me about missed payments until account became delinquent.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Vehicle loan or lease

On XX/XX/XXXX I was charged an 11.04 % annual percentage rate and a XXXX charge of XXXX cents on a used XXXX XXXX XXXX XXXX. I was charged originally XXXX but it totaled XXXX in total for my used truck that had XXXX miles already. I also put XXXX as a down payment. I pay each month XXXX. 
The LII U.S. Code Title 15 chapter 41 sub chapter 1 Part C Subcode 1662 ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 
( Pub. XXXX XXXX, title XXXX, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was removed by XXXX and XXXX, but XXXX hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now Sunbit is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is Sunbit and XXXX refusing to remove this from m credit report. Please help get this removed. They never sent me a 1099-C either for my to claim this on my taxes.
Product: Debt collection

I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said *it doesn't work that way* and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.
Product: Credit card or prepaid card

I have held a Citi Credit card since XXXX, never been late, nor have exceeded my credit limit {$30000.00}. Sometime in XXXX, I decided to enroll in Auto Pay- Citi Card will withdraw the minimum payment due and I will add an additional payment to keep my credit card account balance low - I've been looking through out my XXXX  XXXX XXXX checking out account to find exactly which date this incident took place, but Citi withdrew the minimum payment due to them, pursuant to the credit card agreement and I had signed up to allow Citi withdraw an additional {$2500.00} from my XXXX  XXXX XXXX account , I review my XXXX  XXXX XXXX statement, and did not notice Citi had withdrawn such an amount, so I paid an additional {$7500.00} online, a day after, I reviewed once again my XXXX  XXXX XXXX checking account balance, and noticed that in fact, Citi had got paid {$2500.00}, so, I decided to make a stop payment for the unnecessary extra payment in the amount of {$7500.00}. The following month, I received a letter from Citi - cancelling my credit card account, I have spoken to everyone there, had submitted letters along with proof of bank statements, and still, they reject my version.. It is sad that a card issued in XXXX, and a customere who have never been late on his obligation with Citi, had been treated unfairly by this bank, I even lost my XXXX card, and my XXXX XXXX XXXX XXXX XXXX, because they were connected to such card ... I am formally filing a complaint with the hope that you guys with help me out ... .Cordially, XXXX XXXX
Product: Debt collection

CKS prime Investment LL acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all XXXX  credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in XXXX. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.
Product: Consumer Loan

I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.
Product: Vehicle loan or lease

After I returned my leased car/Mercedes Benz I received overcharged lease end statement. After pre inspection, I have done tire change and hood chip touchip paint which is normal wear for 4 year old car beside wind shield crack which could not be done because the required XXXX glass was not available until lease end and this is proven by final inspection by dealership of Mercedes Benz that processed my lease return. However MBFXXXX charged only based on their hired pre inspection report though Ive taken care of issues beside wind shield crack and keep asking me to get them photos of hood that I do not have or they will charge for hood chip repair. I have done my best to get all required evidences by calling and visiting dealership and tire company but MBFS still saying that without photos they will charge. They are intentionally bugging me to get the photos that I do not have and I do not think photos are not necessary as dealership clearly stated there is no other issues beside windshield crack. If the photos are essential to remove overcharge I think MBFS should ask directly dealership not me.
Product: Debt collection

I had a collections account appear on my credit report that I had no knowledge of. When I contacted Wakefield and Associates on XX/XX/XXXX, I was told they could not send me an itemized bill for the original account unless I submitted the request in writing. They could only tell me the name of the original account holder. They could not tell me what the bill was for. I had already verified my personal information. They also told me that they had spoken with me prior and had sent me multiple bills in the mail. I did not receive any of them nor did I speak with anyone on the phone. On XX/XX/XXXX, I contacted the original debt holder ( XXXX XXXX ) in an attempt to verify the validity of the debt. They also could not tell me what the services rendered were. They told me they were the billing office for the doctors at the local hospital. They also said they mailed me bills and attempted to call me. I did not receive either. I then contacted Wakefield & Assoc. again, only to be told that if I chose to settle, they would not negotiate the terms. 30 % discount and then they would put in a request to have my account deleted, but only if I paid by card which had a processing fee of {$6.00}. I requested another bill, and that was when they told me that the settlement offer expired on XX/XX/XXXX and the mail might not get there by then. They said I had to have my payment to their office by XX/XX/XXXX in order to qualify for the discount and to have the request for deletion be sent to the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

My complaint is inregards to business with Western Union, as a customer I truly feel they practice Deceptive business practices and I feel I am a victim to these practices. 
I purchased three money orders to pay my rent. I made them payable to XXXX XXXX and mailed them, XXXX XXXX informed me that they never recieved them. The money orders have not been cashed so I considered them lost. 
I followed instructions on reciepts in regards to get a refund. Around XX/XX/XXXX I called wester union customer service and stated that the money orders were lost and I needed a refund. Western Union customer service told me to wait 15 days then mail in original copies filled out signed and make photo copies for my own records. 
I felt odd that western union customer service wanted originals, and I literally asked twice if it was nessasary to send originals and not a photo copy, the customer service rep stated Yes, then stated I must send in {$15.00} dollar per money order processing fee for refund request then wait 30 days for refund. 
I did not feel comfortable sending in fee so I asked if western union could deduct it from the refund, the customer service rep said yes. I mailed money order reciepts in on XX/XX/2018 to a post office box that the western union receipt states, and was confident that I would recieve refund in 30 days minus processing fee. 
30 days passed and I didnt recieve anything. I called western union customer service on wendsday the XXXX of XXXX and western union service rep told me western union havent recieved Any Reciepts from me, this upset me and made me fill very uncomfortable. The western union representative seemed to just keep reading a script that ran me in circles, the service rep Literally told me I had to mail the reciepts again and wait 30 days. I told the rep I dont have physical copies because I was clearly told that it was Procedure that I mail Original Copies to them. 
I then asked if western union had an email address I could scan the copies I have to western union,  they said Yes scan them too XXXX. 
I then asked why the service rep did not have me scan copies to that address originally instead of stating it was procedure to mail original copies, and the rep would not answer directly, and that made me fill uncomfortable and truly felt their business practices were deceptive. She stated I should scan the reciepts, and call back in 5 business days. 
I feel the customer service is terrible, and I still have not recieved a refund after I followed the procedures stated to me over a month ago. 
I could not imagine the frustration an elderly person or mentally disabled person would have with the business.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX
Product: Credit card or prepaid card

Synchrony Bank allowed Lowes to charge my advantage account based upon a proposal and then is not willing to rectify by breaking communication and subjugating the process.. Lowes has made a mockery of the way they are dealing with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} TransUnion : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$980.00}