23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was stolen in XXXX while living in XXXX. I took all necessary steps and filed a police report and have closely monitored my credit, checking account, etc. since then. I now live in XXXX and discovered SCA Collections placed a collection acct. on my XXXX  credit report in XX/XX/XXXX. ( The collection does not show up on XXXX or XXXX   ). I filed the first dispute with XXXX upon discovery and SCA Collections stated the acct. is mine. I never received any phone calls or mail from SCA Collections regarding this supposed debt. I contacted the original debtor ( XXXX ) and they could not find anything with my name or DOB in their system. I filed a second dispute and SCA Collections stated again the acct. is mine. I just filed a third dispute today, XX/XX/XXXX. As of today, I have also filed a report with the Federal Trade Commission, XXXX XXXX XXXX, Consumer Financial Protection Bureau and the Colorado Attorney General 's office. I mailed and emailed documentation to SCA Collections on XX/XX/XXXX, as they are not responding to my voicemails, emails and on-line inquiries. I also discovered an address on my XXXX credit report that is not mine as well and that was also mentioned in the FTC report. My next step is to file a report with the local police department of XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

XXXX is advertising a XXXX XXXX XXXX XXXX for XXXX due to being a repo vehicle. I chatted with sales associate XXXX regarding this XXXX  and he offered me a discount if i put down 40 % down payment and finance the rest. I provided them my personal information such as driver license, address and credit card number. They approved me XXXX loan with in house finance at 3.07 percent interest. They emailed me the invoice and vehicle sales agreement and I wired transfer {$22000.00} to an Bank of America routing number XXXX and to account number XXXX on XXXX. I received an email from XXXX to inform that the car will be shipped to me on XXXX and will be delivered to my residence on the XXXX. A vehicle tracking was also provided for tracking purposes. The car was never delivered to me on the XXXX. They stopped all chats and blocked my phone calls. i did some research online and they are actually using other legit company web sites car photos from XXXX and put them on their web site to scam consumers. Please assist me to get my money back and take down their web site to avoid future frauds to other people. 
I contacted Bank of America regarding their client is operating money laundering schemes but they refused to assist me. They will not disclosed any information regarding their client.
Product: Checking or savings account

I was a victim of fraud. Since this was my XXXX time being a victim in the 10 years I've been with USAA, they decided to close my accounts without warning. Their policy dictates that the account closing process takes 60 days and I have no access to any of my funds during this time. They expect people to be able to survive and pay bills and rent with no access to funds for 2 months. Completely unethical and should be an illegal policy. They refunded XXXX of the XXXX charges. The other XXXX are still being investigated ( why these haven't been resolved yet, I do not know ). It was 2 days after being permanently, not temporarily ( they sided in my favor ), refunded for XXXX of the fraud charges that they began to close my accounts without warning.
Product: Money transfer, virtual currency, or money service

Coinbase Global permitted cryptocurrency, XXXX to be traded on it's platform. It is identified as a stable coin to mirror the exact cost of the XXXX XXXX ( {$0.00} ). However, since it has been on Coinbase, the price of the XXXX coin has fluctuated as normal cryptocoins, and was extremely volatile during the week of XXXX XX/XX/2021 The price of the XXXX coin went up to as high as {$0.00} and above. Coinbase permitted investors to purchase the XXXX coin all throughout its rise up to {$0.00} and above. I personally invested a total of {$11000.00} in XXXX coin at various entry points ( average purchase price was between $ XXXX ). Out of the blue and without warning, Coinbase set the price of the XXXX to {$0.00} and everyone that invested thousands of dollars, lost their investments all of a sudden. It seems like a scheme or a scam deliberately to rob people of their hard earned money. Coinbase has been evasive to thousands of people asking questions about what is going on and whether we are going to get our money back. This is a huge issue and you can find several people discussing this. Please help asap. Coinbase has frozen access to funds, and have not permitted any trading of the XXXX coin nor permitted people to get their money back at all.
Product: Credit card

I've been communicating with Avant for several months in regard to the problems with login to my account. I can't login to my account on any browser private or non-private. I called several support numbers multiple times within the listed hours for today with either dropped calls or no responses. The numbers include ( XXXX ) XXXX and ( XXXX ) XXXX. I '' m unable to reach Avant to pay over the phone. I attempted to schedule a payment today through the app but the screen pauses at the next button after scheduling when and how to make payment. Avant has not responded to my most recent email.
Product: Credit reporting or other personal consumer reports

On or about around XX/XX/year> I purchased a vehicle from XXXX XXXX from the beginning there was shady deals with this dealer and them authorizing my credit report from lenders that I specifically told them not to cause I had my own pre approval and financing they agreed and still went behind my back without my consent. This dealer is aware of the iss and from the previous findings and employee was fired
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Incorrect Name - 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
Product: Debt collection

Our law office has called Wells Fargo on numerous occasions trying to verify the debt and make payment ; however, every time we are transferred to multiple departments were no one can or will speak to us on the account. Wells Fargo claims we have not sent in a power of attorney ; however, we have sent in multiple powers of attorneys via mail, fax, and email. Each time we speak to the company they give us a new number to fax it to or different parameters for the contents of the power of attorney. This finally escalated into our firm opening two cases with the Office of the President. After working with their investigator, Mr. XXXX, it was determined that Wells Fargo did, in fact, receive the power of attorney [ on multiple occasions ] and it had not been processed. Mr. XXXX then gave us a number to contact to make payment. Once we called the number, the employees in the department once again refused to speak to us citing a lack of power of attorney. Once again, we were transferred to the Office of the President. We spoke to an employee named XXXX ( employee ID number XXXX ), who was adversarial and condescending. XXXX begrudgingly transferred us to a manager. The Manager, XXXX employee ID XXXX, stated that we were calling the wrong department and transferred us. Once again, this led back to a transfer to the Office of the President.
Product: Checking or savings account

on XX/XX/XXXX there were unauthorized charges on my American Express serve card, upon noticing these charges I immediately called to have the card shut off and dispute the transactions. After a few weeks without a response and after calling to inquire many times, on XX/XX/XXXX I filed a complaint with the CFPB. In retaliation for my complaint on XX/XX/XXXX American Express denied my dispute. They gave no reason to deny my dispute other than in response to my complaint. This is entirely the fault of American Express because they haven't chip enabled their cards so my number was stolen.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been considering getting a new home equity loan, and have been exploring pricing with different lenders. I went to the Discover Website to find rates for Home Equity loans starting on this landing page : XXXX XXXX XXXX XXXXXXXX I went through the online application process to find pricing on loans, and ended up applying for a loan. I did not intend to do this - I'm not interested in a loan now, the best rate is not competitive with the XXXX XXXX I currently have a HELOC with, and I did not want to consent to a hard pull. 

Based on the user experience, it was not clear to me that I was submitting an application or that there would be a hard inquiry to all three bureaus. If I had known this, I would not have proceeded. I have worked in XXXX XXXX for XXXX  years, including designing applications for credit and pre-qualification experiences. I have significantly more sophistication than the average consumer, and I still found the process misleading. 

This is exacerbated by Discover offering a virtually identical experience online for unsecured Personal Loans that uses a pre-qualification experience that uses language like " Won't impact you credit score '' : XXXX XXXX XXXX I believe this is a clear UDAAP violation - I did not want to do, based on a deceptive experience, and suffered ( small but real ) harm.
Product: Credit reporting or other personal consumer reports

I been trying to get my XXXX data breach settlement and receive my free Credit Monitoring through sense XX/XX/2023. Experian had me paying {$25.00} a month when I was told its free for XXXX data breach victims. They pretend to help and agave me a 7 day trial instead of a year premium as should. They placed my on the Basic plan instead of premium. They forced my credit report to be unlocked 3 times for others and creditors to see Dearing disputes. The refuse to handle my disputes by the FCRA policy and guidelines correctly. When I try protecting myself through the Fair Credit report Act, They tell me that FTC and FCRA don't know what the laws are, and dont know what they are talking about, and the FCRA 's are wrong about the 7 year limitations, that they are wrong about Civil Judgements, That FTCA are wrong to say all information on report must be accurate, and that the FTCA are wrong about medical information on credit report. Its like the FTC don't matter to them and they are going against the FCRA and been in trouble before by doing the same thing on the FTC Website. They have been depriving me of my rights to disputes sense XX/XX/2023. No matter how much material I send from the FCRA and The FTC. The more they intentionally unlock my reports, change my credit report information, and refuse to remove inaccuracies and Judgements and limits pasted. They are scammed and I dont want them handling any of my information. Everything must be accurate across the board, or removed once a consumer report. They are to act accordingly and not acting bias as they have to me. Experian has been a disappointment. And the even have information showing for XXXX. XXXX say there are nothing on my report : But Experian Basic plan Shows there's a medical on my XXXX. They send me back and forward wasting alot of my time. I want a lawsuit on Experian and XXXX for Deprivation of Rights.
Product: Credit card or prepaid card

XX/XX/XXXX My balance on my Bank of America credit card ending in XXXX was {$22000.00}. It said " CURRENT BALANCE {$22000.00} ''. I paid {$22000.00}. I signed on to my account yesterday ( XX/XX/XXXX ) to find that the same day ( XX/XX/XXXX ) that the bank also charged me interest of {$440.00}. I figured it may have been a timing issue or something and the bank would correct it. I went through the online chat - where she was telling me that I was due the interest and we were not communicating well. So, I picked up the phone and called. I spoke to a woman that told me I had to have my account paid off for 2 months to avoid the interest - this was the most ridiculous thing I had ever heard. I asked for her manager. The manager, Ms.XXXX  got on the phone. She told me in order to get a pay off balance I needed to call. I told her that my statement clearly said my balance. The cut off date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX. My balance was my balance and I should not have been charged interest because it was paid in full. She said that on page 2 of my statement under the caption of " miscellaneous '' it said that I needed to call for my pay off balance. I made my dispute known. It wasn't until I hung up finally that I read the " miscellaneous '' section she pointed me to. This has nothing to do with what she was saying - it had to do with promo interest rates. Mine was not a promo rate at all. 

MISCELLANEOUS - Promotional Rate End Date : This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 

The most sophisticated or non sophisticated customer will assume that if they pay their balance in full by the cut off date that there will be no additional interest. I feel very taken advantage of. From everything I have read online if I pay my current balance stated I should not be charged additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.
Product: Student loan

A private loan via KeyBank was signed w/ a co-singer on XX/XX/XXXX for the amount XXXX. When the loan was signed all payments were made to XXXX XXXX XXXX ( services ). I have been attempting to gain the full promissary note fom this compay ( key Bank ) since XXXX when I graduated. They are only suppling me with the signature page ( page 1 and 5 ) and the requested amount. My father has kept copies of the checks recieved. We also have a copy of the Federal Truth in Lending Disclosure Key Alternative Loan. Which states we will have 120 payments at XXXX and 1 payment at XXXX ending XXXX. For the past 7 years that I have been paying on this loan this amount has not been accurate. When XXXX XXXX was the servicer my payments were a flat XXXX. I personally decide to over pay this amount so that I will be ahead. When his was transfered to yet another servicer ( XXXX XXXX ) the payment amounts increased, I was noted late although I was ahead. ( Kept payment records ) AS of XXXX I paid a total of XXXX on this loan. As of XX/XX/XXXX statemeent from XXXX XXXX I owed XXXX. This loan was then transfered to XXXX on Statement date XXXX Where they stated i owed XXXX with 42 days past due, which is and was no the case. I contacted XXXX who stated they could only go iff by what's sent over to them from the Lender ( Key BANK ). this continued for months of back and forth until i just paid the balance they stated I owed to have a XXXX balance. Only number to getin contact w/ KeyBank is XXXX-XXXX-XXXX ( a voicemail where your calls are never returned. ) fast forward to XXXX ( XXXX stated that my loan amount will increase to XXXX per month and the intreset rate will not be 6.9 % per rep. I advised her thats not the case and that my loan amounts were to remain the same per contract and that only the intrest was variable. That's whe I stated requesting the contract information again with the Servicer stating they don't have that information. I have been calling the listed above number almost everyday with no call backs. Per the agent I soke with today XXXX I am now filling a complaint with the Consumer Protection to get answers, results, as well as my account corrected so I can finally be done with this Key bank company. Per the recent statement of XXXX ( XX/XX/XXXX ) the balance is XXXX w/ XXXX int. Also states that I have an outstanding int of XXXX even tho my account is over paid by {$22.00}. It's very sad compaines will try and take advantage of people and are unable to produce a full contractal agreement when requested by the signer/co-signer of a loan. I have paid well over XXXX to this company for a XXXX loan and they can not produce a full contract and keep giving me the run around. Meanwhile, I can produce proof of every dollar I provided to them from XXXX. I want other XXXX year olds to be careful of what they are signing to go to college because over 11 years later I am still paying for a loan that I didn't think it would be this big of a hassel or had to pay double the amount of the loan.
Product: Debt collection

i recently looked over my credit report and noticed a collection account by CBE as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
Product: Payday loan, title loan, or personal loan

Banco Popular of Puerto Rico is killing us with high interest. I have a house mortgage at 6 % ( with my credit score perfect ) and a Personal Loan that i renew, I was paying perfect for 6-7 years and I begin it again to huracaine Mara, and the interest percent is the doble! I pay it correctly! But they know BANCO POPULAR we need the money and the loan so we have to accept the high percents of all, destroing our money and taking Puerto Rico for them. Its hard to pay all to them. And high porcents of % its incredible. I need get down those interest and they dont want it. For no body.
Product: Credit reporting, credit repair services, or other personal consumer reports

SoFi finally didn't open an investment account for me because of my nationality. It seems an act of DISCRIMINATION because I am a XXXX XXXX of USA and there is no restriction for residents. 

I asked them to delete all of my information from their system as they are GDPR-compliant, but finally they sent me the attached comment!
Product: Debt collection

On XX/XX/XXXX I spoke with a representative from Credit Control Corporation, a third party debt collection agency. I requested a 30 verification of debt from an alleged non payment to XXXX XXXX. This did not get to my address recorded on file per a member of staff working for CCC named XXXX. XXXX was extremely rude and had a bad attitude for most of the call because she knew her organization was at wrong and attempted to raise her voice and intimidate me for the institutions incompetence. She stated on a recorded line that CCC received the mail back from USPS as a bad address. My mail is forwarded from that previous address to my new address, no problem in fact they sent me a separate debt for medical debt which I paid promptly after receiving correct verification. They are now reporting negatively against my credit. They are doing this after they have been made aware of the FDCPA violations. I spoke with a representative today on XX/XX/XXXX and I have not received any word from this institution. I would like a thorough investigation of FDCPA violations for this institution. I would like a letter of deletion from credit reporting and no further attempts to collect this alleged debt.