23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Between entering into a real estate transaction and the actual closing, the Attorneys e-mail address was purportedly hacked. The Attorneys name for the closing was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. His contact information is XXXX ( XXXX ) XXXX and ( XXXX ) XXXX. 

The total wired funds from USAA ( {$30000.00} ) and XXXX XXXX XXXX XXXX ( {$39000.00} ) were in the amount of {$69000.00}. Both banks indicated having received red flags over the wire transactions. 

The Attorney ( XXXX XXXX ) indicated in an e-mail that he was filing a claim with his insurance company ( this may or may not be true ). 

On XX/XX/22 a partial payment of {$3000.00} was returned to me from USAA. I spoke with USAA over the phone about this several times and each time was told to contact the receiving bank ( XXXX XXXX ). XXXX XXXX refused to give me any information since I am not a client with them. USAA indicated over the telephone that the {$3000.00} was made by XXXX XXXX XXXX from account ending in XXXX. 

The address and contact information for USAA is XXXX XXXX XXXX. XXXX XXXX, TX XXXX USAA ( XXXX ) XXXX XXXX A series of telephone calls between USAA and the receiving banks resulted in USAA telling me that the remaining funds in the amount of {$26000.00} would not be recovered. XXXX XXXX XXXX XXXX returned the total amount ( {$39000.00} ). 

I believe USAA should pay me the {$26000.00} ( like XXXX XXXX did ) as this was a fraudulent event. This fraudulent event was reported at the XXXX Police Department and has a Case Number of XXXX. I also have a copy of a IC3 report with the FBI.
Product: Debt collection

XX/XX/2019 I sent a debt Validation letter to verify the alleged debt. What I received back gives no indication that they even know what Im talking about, and seems as if they are asking me to validate it myself. CCHA ( the collection agency ) did in fact remove the debt pending investigation. I have attached the letter I received in response to my validation letter I sent.
Product: Checking or savings account

I tried to withdraw XXXX XXXX  on my union bank account to a XXXX XXXX  ATM machine and it says unable to processed. When I check my balance, that XXXX XXXX  was missing on my savings. The machine did not dispense the money yet it was debited. I filed a complaint on the same day, XX/XX/XXXX and it not resolve yet till now. Union bank said my money is not yet credited back by XXXX XXXX. I tried to call XXXX XXXX  today for like 50 times and they never answered. I hope to resolve this as soon as possible.
Product: Debt collection

Here is my complaint letter to national Credit Services sent today : My name is XXXX XXXX. I had arranged for a payment plan on XX/XX/2018 and then amended this on XX/XX/2018-Rehab program arranged. The first arrangement based on the notion that I would pay less because I have a heap of medical bills to pay from a XXXX XXXX in XX/XX/XXXX and was trying to create some kind of requested statement. I could not make that happen because of bills from several docs, surgeons, hospitals, etc. so out of honesty and complicated circumstances, I called back and said to forget about using those expenses to lower the monthly cost, I would pay higher rate. 

XX/XX/2018. The new plan was arranged, I gave my bank account information and was told that I would have to make 9 consecutive payments and then we could move on to the next phase of payments and out of default status and no garnishment to my account would be made. 

XX/XX/XXXX, I go to work and find that a garnishment was indeed made AND you are taking the arranged payment out of my account. 

This is problematic for several reasons : You pick on people that are obviously struggling. Your tactics of bullying and forcing them into arrangements that are not clearly explained is unethical and will be reported. 
You say you have reviewed all the conversations, yet I can not defend myself nor can I trust what you are saying since I can not afford to subpoena you to hear the recordings ( that may not even exist ). 
The documentation I sent to verify my income was sent as asked more than once and your system apparently can not decipher the information OR you do not respond to anything that goes to XXXX No one warned me that my wages would be garnished in enough time that I could try and make alternative plans even though I made an agreement with you Your representatives today are telling me that even though a signed contract was sent, because payment was not made in the 30 day time period, which I did not understand, I would still be garnished. I understood it to be to sign the papers. I did not want to give my financial information to you until I verified who and what you were. There are a lot of scammers out there and I ma still not trusting this situation. 
Why would I still sign an agreement for XXXX XXXX monthly payments to be voluntarily made knowing my wages would still be garnished {$200.00} per paycheck? 
My expenses exceed my income. How can I pay {$400.00} out of my monthly income without going to bankruptcy court? This creates an extreme hardship for me. Note my expense report attached. 
Your representatives are not clear with the deals being made and misrepresent what the outcome would be. 
Your company uses unethical practices to bait and switch to customer. I will be sure to report this to everyone that I can. In a time when everyone is struggling to keep their heads above water, with ridiculous rents, terrible job options and high cost of living, the last thing we need is suffocating debt collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX
Product: Debt collection

I am writing in response to your recent communication regarding my complaint with the Consumer Financial Protection Bureau ( CFPB ), Case # XXXX, in which I sought detailed information about the debt allegedly owed to your company. I appreciate your prompt response ; however, I must express my dissatisfaction with the content of your reply. 

In my previous correspondence, I specifically requested that you provide the following information in accordance with my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. Verification that I am indeed the account holder for SECU Account.

2. Detailed information regarding the original creditor, including their contact information.

3. A complete breakdown of the debt, including the principal amount, interest, fees, and any other charges that contribute to the total amount owed. Also include the initia
l debt amount.

4. Copies of any signed agreements or contracts pertaining to this debt with the original creditor.

5. Documentation proving your authorization to collect this debt on behalf of the original creditor.

Your response, did not include certain information about the account, did not adequately address my specific requests. The response lacked crucial elements such as the detailed breakdown of the debt, signed agreements, and documentation proving your authorization to collect this debt. 

It is my right as a consumer, under the FDCPA, to receive a written validation of the debt, including the requested information, within five days of your initial communication with me. Your failure to provide this essential information raises concerns about the validity of the debt and my ability to verify its accuracy.

Therefore, I kindly request that you either : 1. Provide the requested information in writing to my current mailing address, as outlined in my initial request and as required by the FDCPA, within the stipulated timeframe.

2. Remove this account from any credit reporting agencies immediately, as it has not been properly validated and reported in compliance with the FCRA.

Please be advised that my rights as a consumer are protected under federal law, and I expect your company to comply with these laws accordingly. Failure to do so may result in legal action to address any violations of my rights. 

I kindly request a response within 30 days from the date of this letter to confirm your course of action. If you fail to provide the requested information or fail to remove this account from my credit report, I will have no choice but to seek legal remedies available to me under the law.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : 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 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: Credit card or prepaid card

I had XXXX  credits cards with chase bank. They were in good standing. I received a letter from Chase that they were closing the account because they no longer do business with non-US government officials, their families or close associates. I am a US citizen, not affiliated with a foreign government. I have a friend who is and is also a US citizen. I handled his finances in the US for him and his wife. We had a joint checking account. This account was also closed. When I called chase I was told they do not have to have a reason for closing an account. Yet, they gave me a reason and it is pretty much based on the fact that I know someone who lives abroad and is a civil servant in that country. That is unacceptable and a violation of my right to associate with US citizens regardless of where they live and what work they do.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC XXXXb, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.
Product: Credit card

I called today to change my name. When you call, you can only talk to credit card or money market account as they cant help with both at the same number called. So I called and was transferred 4 times. But, I got what I needed which was to start the name change process, and they were supposed to email me a link with a W9 and instructions on how to print it out, sign it, upload it with a copy of my new drivers license. Both representatives told me the same thing. I never got an email from either of them. There is no email address so I clicked their Instagram link in their homepage and the person there XXXX said they cant help me. All I need was a message sent to the respective departments asking them to resend the email and verify my email address. They refused to help me or get me in touch with a manager. So I called like they told me to do. And they refused to help me as well. So I got the manager on the line, XXXX XXXX, who also refused to help me. Their only response was i needed to call back during business hours. Well, I work. I changed my name over seven months ago and this is as the first weekday I could call. I dont have time to spend another hour on the phone redoing everything I did today. They are unwilling to send a message to the people who took my call today asking them to resend the email I need so I can finalize the name change process. Their inability to provide helpful customer service should be grounds for shutting them down. I have never experienced such resistance to helping a customer in need. I will be closing all accounts with this financial institution and I would advise anyone who has an account or who is even considering opening an account to strongly reconsider. If, WHEN, you need help they will do everything in their power to make sure you dont get it. I did this same process with XXXX  XXXX XXXX and XXXX XXXX  today. Instant resolution with flawless customer service. I completed their satisfaction surveys and rated them both a 10 all the way around. I would give XXXX XXXX less than XXXX if they cared to survey me. Please dont put yourself in this position and go elsewhere with your business.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I used the pay anyone feature service thats designed by chime. I authorized XXXX $ to go to a specific cell phone number which is my wife. That transaction was intercepted by an fraudulent chime account. That account should not have had my wife cell phone number on it. My wife been the owner of that cell phone for years. My wife have never had a chime. So why was her number linked to an chime account. I have provided numerous documents supporting my case. Since my wife cellphone number was associated with that account she got the chance to use the pay anyone feature the money went directly into the fraudulent account. I will love to provide details and documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information and affecting my credit. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Vehicle loan or lease

In XXXX I bought a XXXX XXXX XXXX  from US Auto in XXXX, Georgia. Early in XXXX of XXXX, the transmission went malfunctioned completely to where the car was and still is undriveable. I tried to contact US Auto to get the car fixed with the warranty, only to find out the dealership went out of business and later sold my loan. I can not reach anyone from US Auto and the new debt collectors will not honor my warranty. This has greatly affected my life as my main job was food delivery. Without a vehicle, my income has been cut tremendously and I have no idea what to do.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX
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, XXXXXXXX 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

In XXXX I purchase a XXXX. The car is paid up. XXXX wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that XXXX is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX. On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward XXXX sent information to Experian and XXXX that I was 2 years and XXXX months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with XXXX since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. XXXX payments in XXXX, one payment in XXXX and XXXX more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX. My credit score was XXXX Experian and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX to correct this error. The XXXX credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.
Product: Student loan

I have 3 issues : 1. I have been on an income based repayment plan since XXXX. My standard way of communicating with Navient was via email, but they mostly spammed my inbox with XXXX. At some point in XXXX, they sent me a renewal notice for my IBR. Thinking it was just more XXXX spam, I missed the email, and my loan went into standard repayment. I did not know until I was 2 payments behind. A customer service rep advised me to take a forbearance, and I did to avoid having to pay the high balance. She did not inform me, however, that in taking a forbearance, I would no longer qualify for my 1 % interest deduction I had been receiving for making on time payments. I only noticed after looking at my account. When I called customer service about it, they informed me even though I had always made on time payments, I would NEVER be able to earn back my 1 % interest deduction. 

2. Every year I submit my family 's tax returns to renew my IBR plan. Every year, I have received a payment amount that has allowed me to work toward paying off my principal. This year, they offered me an extremely low payment, even though our family income went up. If I chose to pay this amount, I would never pay off my principal, and my interest would accrue and be capitalized each year for my unsubsidized loan. In effect my loan balance would be going up. Even though I pay much more than they are asking, I am still behind on my interest, and all of my payments are going toward SOME of the interest. I am making no progress on my principal. To make matters more complicated, my subsidized and unsubsidized loans are grouped, and they always allocate my payment to the subsidized loan first, so even if I wanted to work on my unsubsidized loan to keep my principal from going up, I would have to physically call one business day after my payment to tell them to put the extra money toward that loan. And I always forget. They will not let me ungroup those XXXX loans because they were disbursed on the same date. If I want to know how much interest I have accrued so that I know how much to pay to keep my head above water, I have to select each loan individually, then add everything up, then call them to make sure it 's going where I want it to go. It 's all very confusing and could be solved by assigning me the appropriate repayment amount in the first place when they process my IBR. I 've never had to deal with this before, and I do n't know what has changed. It seems overly complicated and full of traps that will not lead to my success in paying off these loans. 

3. I had a XXXX loan that was transferred to Navient in XXXX, and though I applied for IBR for that loan with XXXX, the application did n't carry over and I am paying the full amount. Though Navient has offered me the chance to reapply for an IBR for this loan, I am worried that the amount they will assign me will be detrimental to me paying the loan off, givien my situation described above. This has caused me to fall even further behind on the other loans above, adding to that problem. Again, way too complicated.