23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To the CFPB I lost my income in 2018 since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband 's XXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is XXXX XXXX XXXX XXXX and Synchrony Bank. that's why I want to file a complaint against Synchrony bank and XXXX XXXX XXXX XXXX for their joint effort of Harassment and continued collection and illegal activity. synchrony bank and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # 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 all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
Product: Debt collection

I made a payment to Ally Financial on XX/XX/2022 via tendering a postal money order XXXX XXXX TENDER OF PAYMENT. and my postal money order was dishonored and returned to me and they not state the reason why it was not honored and accepted
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ill try once more to get the my auto loans entire account that has disappeared from Equifax last month ( XX/XX/2021 ) put back on my credit file with Equifax. The account has not been changed from the other two main credit reporting agencies. It was a closed and paid as agreed account. That should have never been deleted according the the credit provider when we contacted them yesterday about the account not showing on my Equifax account, but is still present on the other two main credit bureaus. 

The removed account is : XXXX XXXX XXXX or XXXX XXXX XXXX. 

This was also mentioned in previously and unanswered complaint ( see XXXX ) - In that already filed complaint that has yet to be answered the Closed and Paid as agreed account 's payment history was altered on the wife 's Equifax credit report and was completely removed on my Equifax credit report.
Product: Vehicle loan or lease

Capital One Auto Loan was paid in full on XX/XX/XXXX. I received a letter from Capital One Auto Finance confirming the pay-off on XX/XX/XXXX and received a refund for around {$40.00} a few weeks later. My registration in XXXX reflected that the lien holder of Capital One was removed. I also received the title slip to my car. The problem arises XX/XX/XXXX when I received an email from Capital One Auto Finance stating that I owed {$12000.00}. I first thought that this was a scam and found my notes which had the contact number for Capital One and immediately contacted that number. I spoke with several of their representatives, who confirmed that their system had me owing the above mentioned amount. I read to them the letter that I received and the fact that I had been given my Title Slip to my car. I was told that I would have to call back in 3 to 5 days because they could not reach the back room. They would let me know what I owed. The representative failed to asked me to fax or email any information that I have to confirm my inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I requested a fraud alert due to several erroneous accounts on my credit report. I submitted several documents to the three credit bureaus regarding the accounts on my report. At the time I was working with a company who said they would remove these accounts and help me rebuild my credit due to this devastating situation. They have failed to due so. I am a victim of identity theft and I am in need of help.
Product: Money transfer, virtual currency, or money service

I have a Business account with Venmo which I have used for 18 months now. Last week I received an email stating : " We have recently reviewed your usage of Venmo 's services, as reected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. '' They refuse to tell me how I violated their User Agreement. I have only ever conducted business transactions through my Venmo Business account ( of which they receive a service fee for each transaction ), and personal transactions through my personal Venmo account, which can easily be veried by looking at my transaction history. 

My latest correspondence dated today ( XX/XX/2023 ) with them was : Hello, Thanks for following up. We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. I apologize that we're no longer able to serve your business and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. Best, XXXX XXXX | Venmo I am ling a complaint with CFPB because I know they have done this to many others ( read this article XXXX XXXX XXXX XXXX ). It is not fair they can take away a source of revenue for our businesses without telling us the reason why. We have no way of defending ourselves and are not allowed to speak on the phone with anyone - email is the only way to communicate with these " decision makers ''. But how can we argue our defense when we don't know what we did wrong??? 

Plus, they deactivated my personal Venmo account even though their email dated XX/XX/2023 says : " Please be aware that your personal account is not restricted and you are free to continue use on that account. '' As of today, if you search for my personal account, you will not be able to nd it. 

Their business practices are unfair to customers. They are a Big Tech bully toward small businesses and individuals, and need to be held accountable for their deceptive and unfair conduct.
Product: Payday loan, title loan, or personal loan

XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''. 
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference. 
Fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint- XXXX This is my last attempt at trying to rectify your companies FEDERAL VIOLATIONS. 
So what you are saying is your company policies do not apply to FEDERAL laws? Again I did not give you guys permission to share my nonpublic private information. Does your company not abide by the FEDERAL Laws? I am asking If there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. IS USC 6802 ( B ) clearing states that * A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' IS USC 6802 ( B ) Ic " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. If this is what your company goes by legal action will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}
Product: Vehicle loan or lease

I was involved in two auto repossessions with BRIDGECREST. 

I wish to see all documentation regarding the vehicle repossessions including but not limited to : 1. The original agreement 2. The full payment history 3. All notices regarding delinquency 4. Date and time of the repossession 5. Notice of sale 6. Proceeds of sale 7. Total deficiency balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts with XXXX that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Product: Checking or savings account

JP Morgan Chase Bank abruptly closed ALL of my checking ( s ) and savings accounts without notice and without reason, no explanation was ever providedon XXXX XXXX, 2017 day before XXXX. Chase bank also returned my outstanding checks, even though there was sufficient funds for them to clear. Additionally, Chase informed me that due to the alert on my checking and savings accounts, no checks, electronic drafts or any payments would clear my accounts. Again, without an explanation or reason. Despite the fact that until now, Ive maintained excellent credit and have had over a 15 ( fifth-teen ) year relationship with Chase bank. 
Consumer Harm : Chase bank has inflicted irreparable harm upon my credit worthiness, character, financial good name and honor. It refuses to honor my direct deposits, and release available funds from my checking account to vendors for remittance of payment. Since XXXX XXXX, XXXX, day before XXXX all of my outstanding checks have been returned unpaid. The banks fraud department continues to deny me access to withdraw my funds and close-out my accounts. This treatment is a severe form of harassment and bullying -- -toward a depositor, and consumer account holder. Please urgently investigate the matter. Thank you.
Product: Credit reporting or other personal consumer reports

I went to buy a new vehicle and they used my credit without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau on a soft inquiry on or about XX/XX/2022 by XXXX XXXX for XXXX XXXX XXXX apartments reported inaccurate/questionable information. This resulted in a " credit history unsatisfactory '' finding and a application to lease an apartment denied. Equifax reported a credit score of XXXX but with comments that would make an XXXX credit score impossible. There is nothing in the entire credit report that will substantiate their comments. I have notified Equifax of this situation with a request to expunge the comments and am awaiting a response
Product: Payday loan, title loan, or personal loan

principal reduction not applied correctly, overcharged interest, see attached document for details requested an audit, got nowhere with request, refused to audit account pg 4 shows where the errors are, with marks in the margin
Product: Vehicle loan or lease

I obtained a new car loan from Bank of America ( BOA ) with terms of ACH bimonthly payments of {$500.00} for the term of the loan. In XX/XX/XXXX, I requested the payoff balance for the loan and duly liquidated the loan for the amount required. 

In XXXX I observed that an ACH payment had been made on the closed loan and requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I attempted to terminate the scheduled loan payments from my bank and subsequently found I failed in that endeavor. 

A second ACH payment was made on the closed loan and I requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I contacted my bank who assured me that ACH payments to BOA were terminated but one last payment gad been debited from my account. 

On or about XX/XX/XXXX I contacted BOA and was informed the reimbursement would be made in the coming days. After approximately on e week, I contacted BOA and informed them of the reimbursement non-receipt. BOA informed me that a mistake had been made and the reimbursement had not been dispatched but would be dispatched XX/XX/XXXX arriving in one week. 

BOA has failed in its duty to make timely return of my over payment, a fault wholly of its own making.
Product: Money transfer, virtual currency, or money service

So I was buying online items and this one dude that I was buying from told me the Items where clean. So I believed him and we ended up going through the transaction everything went smoothly until, a week later. I basically get banned from this online game also known as XXXX   where many people use USD to buy items. I feel like as he scammed me because he got the items but my account ended up getting banned even when he said the items were clean.
Product: Debt collection

I just received a phone-call from an XXXX at Phillips & Cohen Associates attempting to collect a debt that belonged to my deceased husband. 

My husband passed away on XX/XX/XXXX and I provided his death certificate any documents showing me as the Estate Administrator/Personal Representative to the company where he had the debts ( XXXX XXXX XXXX XXXX I spoke with them on XX/XX/XXXX and they said they received the docs and they are being processed and everything is notated and good and for me to " not worry about it '' and said I would not be responsible to pay the debts. 

Today, XX/XX/XXXX, XXXX from Phillips & Cohen called about the 2 XXXX XXXX XXXX in my husband 's name and asked when payment would be received. I told him what XXXX XXXX told me on XX/XX/XXXX and he said the accounts were closed with them since they can not collect from a deceased individual and the accounts were transferred to Phillips & Cohen. XXXX mentioned that I am not liable/responsible to pay the debts but the assets from the XXXX can pay. 

I informed XXXX that my husband did not have any property or assets and there is no money in the Estate that would cover these 2 loans. He asked if he could call in 30 days and ask for an update and I said yes ; however, it will be the same answer. He mentioned he could not withdraw the claim to collect the money. 

There is no property or assets or money available to pay XXXX dollars. 

I would like to file a complaint against Phillips & Cohen Associates and request they do not call me again and attempt to collect this debt as it will not be able to be paid since there is no money. 

Hoping you can assist me with this. I have XXXX from Phillips & Cohen Associates phone number and 2 reference numbers he provided me and would be happy to provide those details if needed. I am not including those in this message due to the note above stating not to include any personal information/details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called TransUnion this Morning around XXXX, Customer Service would not Help me take care of Negative Inquiries reporting to my Credit Report, I held on the phone for 45min for a live person to even answer and was blew off in 5min! She wouldnt even let me complete my sentences. I have Inquires that i know that i did not authorize!! I have called the Collectors and TransUnion trying to resolve this matter List of Inquiries that are not Authorize by me 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX XXXX Also i have been disputing the same collection debt from TransUnion for about 2years now this account was removed off all other credit reports bc it was a fraud account but Transunion refuse to remove it off my credit report this account should have been removed off my report it has been well over 7 years JXXXX XXXX XXXX BALANCE {$5100.00}
Product: Checking or savings account

Is not just me is happening to many people, I have a credit card with chase they was offering me {$500.00} Bonus to open a saving and checking account what i did after i transfer {$15000.00} from my XX/XX/XXXXXXXX, they send me a email that my chase account has been blocked without not reason, Beware with # {$500.00} BONUS # CHASE # Bait and # Switch on # Chase Beware with Chase Bank offering {$500.00}. We locked your account to protect it from suspicious activity. https : //www.consumeraffairs.com/finance/chase_bank.html If you have concerns about the authenticity of this message please visit chase.com/CustomerService for options on how to contact us. Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response was : The email account that you tried to reach does not exist. Please try double-checking the recipient 's email address for typos or unnecessary spaces. 

Upon multiple recommendations I set up a Chase Bank account online. Everything proceeded smoothly and I had an account ready in a day. However, multiple problems occurred after this. First my account was locked over possible fraud because I tried to transfer money from my previous bank over via an external account transfer. I called Chase 's support line and after approximately 2 hours holding I was told I needed to go into a local Chase branch with two forms of ID to unlock my account. 

Several days later I was able to do so, but now they told me they can not unlock my account and had to call it in themselves. By this point both my checking and savings accounts had been deleted because my account was suspected of fraud. 

The branch representative said I then had to wait until their fraud department called me and verified who I was. So I waited several hours for this. Once that was done, I could return to the branch several days later to reopen a checking/savings account and set up a credit card with automatic payment.