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

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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

I have sent XXXX and Experian proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. XXXX and Experian response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..
Product: Mortgage

I purchased a home in XXXX, FL using Ameris Bank 's Mortgage department. This property closed on XX/XX/year>. At closing, they wouldn't take all the proceeds I had from my prior house sale. So I was left with about XXXX extra dollars. I then used some of that money to pay one month ahead. Subsequently, I was left with {$13000.00}. This I used to prepay my principal around XX/XX/year>. Ameris put it in a suspense account and never applied it properly. I repeatedly called and told them to put it towards the principle, but they didn't do it. They then sold the mortgage to select portfolio service., XXXX XXXX XXXX could not find the money and led me around in circles, basically going nowhere. There was no accountability for this lost money. XXXX gave me the runaround. and nothing happened for 7 months. I called Ameris and the same thing, the runaround, and nothing happened for 7 months. I sold this property attached to the mortgage on XX/XX/year>. XXXX sent me all the paperwork and check numbers, signifying how they sent the money back to Ameris twice, because Ameris did not put my information, mortgage number and specific details necessary. Ameris repeatedly lied to me and told me things that were not true. They had the money in their possession several times, but did not provide any information. It was just a consistent lie. Do not take my word for it., listen to the phone calls. You'll hear every lie made by them and every check number I applied. The great thing about this is every single thing has been recorded. I know I'm telling the truth and XXXX percent and have the evidence to back it up. Ameris then told me they put the check in the mail from XXXX, IL on XX/XX/year>. This is a bold-faced lie because it still has not arrived yet on XX/XX/XXXX, they can't account for where it is, they can't tell me anything or provide me any answers I've made over thirty-eight phone calls, and nothing is going on. I want my {$13000.00}. I have no way of knowing if they stole this money. They can't tell me where it is, where it went to provide me any details. this is theft because they fraudulently took my. took my money and didn't do as I repeatedly asked.. please help me solve this problem. I want my money, just like anyone else would. I have all the paperwork and can show you all the phone records and everything in relation to this.. Plus, XXXX as all the phone records and information.. and come Ameris Bank mortgage has received a heck of a lot of phone calls.. Also ask them where my lost {$13000.00} check went. And how do I know if someone else didn't cash it? As I said before, I have no way of knowing. But how do I know this wasn't stolen? Whether you wan na call it theft. Come a fraud or both, they committed repeated, verifiable bad deeds. Hold them accountable and get my money back, please.
Product: Debt collection

Harris & Harris , LTD is demanding {$56.00} from me while harassing me via phone. Harris & Harris , LTD are aware this alleged debt was paid to the original creditor responsible for medical services received. 

Attached proof of payment will prove Harris & Harris , LTD are harassing me for {$56.00} with no contractual agreements to supports goods or services exchanged. 

XXXX XXXX left two voice mails on XX/XX/2023 and XX/XX/2023 on my private line. Harris & Harris , LTD does not have a permissible purpose to contact me. 

Harris & Harris Ltd received a notice on XX/XX/2023 to validate the alleged debt in question. 
XXXX XXXX and XXXX XXXX authorized representatives of Harris & Harris Ltd left several voicemail messages after USPS confirmed mail receipt. On a previous recorded call I requested Harris & Harris Ltd to cease and desist. The representative confirmed receipt of the validation notice and she was kindly asked to cease and desist. Harris & Harris Ltd are still calling.

Harris & Harris , LTD are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not received any goods or services from Harris & Harris , LTD and I do not know how Harris & Harris , LTD received my private medical information. Please be advised no consent to treat documents bare the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

Harris & Harris , LTD ignored the Validation request and continues to harass me by phone. Harris & Harris , LTD are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to Harris & Harris , LTD. , on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the expense of my private medical information being on display to whomever. 

Harris & Harris , LTD proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their HIPPA rights in the process. I am being harassed for an alleged debt having nothing to do with Harris & Harris , LTD I am not a party to any agreements that Harris & Harris , LTD may or may not have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not responsible for Harris & Harris , LTD purchase / transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Harris & Harris , LTD . 

At this time, I demand no further contact from any associate or authorized representative of Harris & Harris , LTD . 

All calls are recorded for my safety. Kindly Cease and Desist. 
I have included all proof in the attachments.
Product: Credit card

American Express Ref # XXXX Ref # XXXX Ref # XXXX Attn : Underwriting Department and CFO Subject : Formal Request for Loan Application Documents and Account Number Dear Underwriter and Chief Financial Officer, I am writing regarding a credit application I submitted to American Express on [ insert application date ], which was denied. While my application was not approved, I maintain a financial interest in the documentation and processes associated with the application. My signature on the application creates a legally binding financial value under the Uniform Commercial Code ( UCC ).

Pursuant to UCC 3-303 and other relevant statutes, my signature constitutes consideration and value. Therefore, I am formally requesting the following : Return of the Original Credit Application : Provide a copy of the original signed credit application, along with any documentation or records related to its review and decision.

Account Information : Provide the account number or any identifier associated with my credit application, as well as details of any internal or external records created during the evaluation process.

Details on How My Signature Was Utilized : Clarify how my signed application was processed, including whether it was securitized, transferred, or used in any financial transactions or instruments. 

Legal Notice Failure to comply with this request may result in the enforcement of legal remedies under both federal and state securities fraud laws. Specifically, I reserve the right to pursue action under the following statutes : Securities Exchange Act of 1934 Section 10 ( b ) and Rule 10b-5 Prohibits deceptive practices in connection with the purchase or sale of securities.

Securities Act of 1933 Section 17 ( a ) Prohibits fraud, deceit, or untrue statements in the offer or sale of securities.

Sarbanes-Oxley Act of 2002 Section 807 ( 18 U.S.C. 1348 ) Criminalizes securities fraud with penalties of up to 25 years in prison.

Mail and Wire Fraud Statutes ( 18 U.S.C. 1341 and 1343 ) Criminalize using mail or electronic communications to execute fraudulent schemes.

Applicable State Securities Laws Including but not limited to laws under your jurisdiction 's " blue sky '' regulations.

These laws carry severe penalties, and I will escalate this matter to the appropriate regulatory bodies if my rights are not respected. 

Action Requested I request your response within 30 days of receipt of this letter. Please provide the requested documents and account details. If you can not fulfill this request, provide a detailed explanation and the legal basis for your refusal.

Failure to comply with this request will result in filing complaints with the Securities and Exchange Commission ( SEC ), the Federal Trade Commission ( FTC ), and other regulatory bodies. I may also pursue legal remedies under the aforementioned statutes.

You may contact me at [ phone number ] or [ email address ] for further correspondence. I trust that American Express will handle this matter promptly and professionally.

Thank you for your immediate attention to this request. I look forward to your timely response. 

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

XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support EXPERIAN reporting, but they have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. I will be attaching my lease and move-in statement as proof that I did not live in the apartment that they are collecting for and reporting. 

Furthermore, I have requested their method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file under my Social Security Number. 
They need to provide : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 

The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in North Carolina has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state Your license numbers and Registered Agent or Agent of Service. 

Should they continue in their non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with the CFPB and EXPERIAN for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus  days late. Someone else 's account. My mortgage was always current and is now paid in full
Product: Bank account or service

I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years
Product: Debt collection

Today ( XX/XX/XXXX ), I received a call from Capital One representative at XXXX PM. As always, Capital One representative has mislead, lied, and hung up the phone. 
The representative did mention that the account was closed on/around XX/XX/XXXX, though this fraudulent company has sent out a letter on/about XX/XX/XXXX stating that if i do not make a payment my account will be closed. This is not the first time that Capital one uses illegal/unlawful tactics to prevent resolving consumer issue or manipulate to have the consumer pay. It is my understanding that Capital One fully assists fraud operators and refuses to refund those that are law abiding citizens. 
Lastly, while capital one representative was on the phone with me we contacted XXXX XXXX XXXX for those fraudulent ACH debits and they have informed Capital One that the transactions were not initiated by me or/and done through XXXX XXXX XXXX. Those ACH debits were fraudulently initiated by Capital One and they refuse to take responsibility even though they did refund me for four of those transactions. 
The representative also lied about this matter never being investigated before when factually 4 out of 7 ACH debits were refunded into my CAPITAL ONE credit card account!
Product: Debt collection

I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}.
Product: Student loan

I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.
Product: Money transfer, virtual currency, or money service

This is About the XXXX currency USDC transaction issue that I encountered on XX/XX/2020. As usual, I performed the transfer XXXX USDC from my personal wallet to my USDC wallet in the Coinbase account. The amount of XXXX USDC ( {$500.00} ). The method I used was capturing the QR code of the Wallet. This is the safest method for transferring XXXXcurrency, according to the XXXX  creators, since each of the address has it own unique QR code, there is no room for mistake, I did like a XXXX time of transaction using QR code scanning.

Right after I made a transfer, I figured something wasn't right, here. My Coinbase USDC wallet wasn't received anything as It supposed to. So I went back to check the transaction detail, I was at shocked when looking at the recipient address was not my address, trying to calm down to figure what's going on, all of the confusion and question lead me back to perform the transfer using QR code capture one more time. Then I found out, there was something odd about the QR code ( on the USDC Coinbase address ) the QR code probably modified so that it all turned to the USDC contract address ( belongs to the USDC creator ). So I contacted the Wallet provider I send the fund from. After the checking, the support of my sender wallet confirm that COINBASE has modified the QR code different than the rest of the wallet provider standard QR code.

I have contact the USDC creator, The Coinbase support, for 3 years, they refused yo pay me back XXXX USDC. Ckaiming it was my fault that send the fund to the Contract address, it irreversible. That the fund was lost. I have enough proof to show, it wasn't my fault, it was USDC Creator, in this case the Coinbase has done something that lead to the fund sent to their wallet instead of mine. 
Transaction detail on Block : XXXX XXXX XXXX I even left the comment in there.
Product: Checking or savings account

Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.

They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager. 
Then I called the manager and managed to get refund for 4 remaining overdraft fees. 

A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft  fees a month ago. I told them those fees were bank error and not courtesy refunds. 

I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance. 

I have {$280.00} overdraft charge in my account currently. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB and FTC must use their rulemaking responsibilities and enforcement authority to ensure that Chex Systems , Inc, aka ChexSystems, as subsidiary of Fidelity National Information Services , Inc conducts its business in full compliance with FCRA and does not interfere with XXXX Consumers businesses. 
Although XXXX Consumers are not the XXXX XXXX Chex Systems , Inc, the Company advertises and provides direct services to XXXX  Consumers such as copies of Consumer Disclosure, Reports dispute along with " Identity theft '' Protection and " Security Freeze '' Services. 
There is no Disclosure made available to Consumers about how " Identity theft '' Protection and " Security Freeze '' Services are provided and what consequential harm use of such services XXXX bring onto the Consumer! 
The harm, XXXX little private business XXXX impose on the XXXX is tremendous and unjustifiable. 
The reality is that when XXXX Person accepts the Services such as " Identity theft '' or " Security Freeze '' that Person gives up the right to act as XXXX Consumer for the period of next XXXX days or longer! 

The way the Services are provided directly to Consumer is either Online via Consumer Portal, Phone, Fax or XXXX Mail. 
When Consumer initiates the Service, ChexSystems generates the PIN that is provided to registered Consumer via Online Portal or mailed via USPS. 
The PIN is required to manage the Service when and If the XXXX Person decides to act as the Client of various XXXX businesses reliant on the access to that Person Consumer Report. 

ChexSystems ' XXXX XXXX has not been available for weeks, with no plans or timeframe of when its operation XXXX resume. 
In a meantime the PIN, that is required for making Consumer Report Accessible is only available via XXXX Postal Service. 
While it normally takes XXXX days for the letter containing the PIN to arrive to XXXX XXXX address It takes indefinite period of time if XXXX mishandles XXXX delivery! 
ChexSystems refuses to explain why XXXX Customers must depend on XXXX while dealing ChexSystems XXXX. 
ChexSystems refuses to disclose when normal operations XXXX resume. 
Normal Operations mean that XXXX Consumer and XXXX Business XXXX enter into XXXX Century transactions without ChexSystems Hindrance or XXXX Involvement. 

As of today and last several weeks, once XXXX Person becomes the Consumer of certain ChexSystems XXXX, such Person for the period of days, weeks or even months surrenders the access to credit, loan, financial services, ability to make specific purchases, obtain the tenancy or to any other goods and services where the access to Consumer Report is a permissible purpose. 
And this is only happening because XXXX little XXXX company generates the PIN but doesn't make it immediately available to the XXXX. Furthermore, where it is called " Personal Identification Number '' The Consumer is not the PIN Owner. ChexSystems, without prior disclosure or consent will delete the PIN based on its discretion and operational specification
Product: Credit reporting or other personal consumer reports

My payment history does not reflect the late payments shown.
Product: Money transfer, virtual currency, or money service

I have had my XXXX account for a while and never really used it. I went ahead and bought some bitcoin recently on their XXXX app on XX/XX/year> for {$790.00}. I was new to XXXX and decided last minute that I changed my mind so I sold it back in the app and I was told I was going to get a return of {$750.00}. When the money was returned to my XXXX  wallet, I was going to accuse my funds and transfer it to my XXXX XXXX XXXXXXXX so I may have my money. When doing so, I received and email regarding my account and suspicious activity. They wanted identification. I sent over my drivers license and spoke on the phone with customer service. I now received a response saying my account my now deactivated and the funds will be held up for 180 days. There was no suspicious activity from the first place and now Im out of money. I need my funds back.
Product: Debt collection

My identify was stolen and this company is trying to make me pay a balance I did not contribute to. I have also done a claim with XXXX the within 2 day it stated that the information was correct. Which is far from the truth.