23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In an attempt to resolve a collection against me, I called the collection agency on XX/XX/year>. The man I spoke with collected information from me such as monthly bills, and income. My expenditures exceed my income and he repeatedly asked me why and how I survive with XXXX children in a very demeaning tone. He also twisted my words around multiple times and tried to made it seem like I had agreed to an amount to pay monthly and when I corrected him he said my phone was breaking up, but this happened three times. He went back to focusing on my expenditures exceeding my income and again implied that I was lying because I have XXXX kids I must provide for on a single income and he doesnt know how I make it. It made me feel very vulnerable and disrespected when he repeatedly asked how I care for my children. I feel this is very unprofessional and intrusive. I feel that he was not willing to coordinate a fair payment plan or resolution.
Product: Checking or savings account

This complaint is to be directed to XXXX XXXX XXXX. On XX/XX/XXXX. I saw an online promotion with a Welcome Bonus of {$200.00} for New Depository Customers. This has lead me to start a Depository relationship with HSBC. 

I went ahead and accepted the offer and open a Consumer Checking account with HSBC via the online link to their official website. I follow the instructions & verification as stated. 

I completed all necessary requirement so I could qualify for the Bonus. After months waiting. Have yet to see any bonus offer applied to my account. I decided to call and inquire of the Status. I was told different answer and ask to wait till end of month for the bonus amount of {$200.00} to be credited. it has been 2 months and still no credit from HSBC. Yesterday, XX/XX/XXXX. I call again and i was told that I have had an a Checking act in the past. I am certain I have never use HSBC as my transaction bank. I do not Bank with them, Just a Credit Card. I asked that if they could provide me with the " account number/ type of account '' they were claiming to be mine. They were not able/refused to provide me with such info. 

All I would like this to be resolved and for HSBC to honor the Terms & Conditions stated for the Welcome Bonus. This is misleading consumer to increase account with deposits. Very wrong. 

Thank you for taking on & reading my complaint Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below : XXXX ) Name of inquiry : XXXX XXXX  Date : XX/XX/year> XXXX ) Name of inquiry : XXXX XXXX  Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services regarding their refusal to honor my opt-out request dated XX/XX/2024, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to Discover Financial Services to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, Discover Financial Services has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with Discover 's customer service representatives, the issue remains unresolved. 

Discover Financial Services ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with Discover, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure Discover Financial Services complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I got a revvi card they charged {$89.00} activation fee and told me I would have my card within 14 days it had been a month I hadn't got my card so I called him and told him I was taking my {$89.00} back till I got my card and when I got my card I would send them the money back I got my card a week later I sent them the money back 7 days later they close my account after they already had the money back I used the card so when I saw they close it I went on there and I paid exactly what I used I paid the interest charge then they commence to telling me I had to pay the XXXX XXXX yearly fee after they close my account and charged me a late fee and started putting interest back on the card again I have a picture of it where I got it down to XXXX just the XXXX and the XXXX but now it just keeps going up and I refuse to pay the XXXX because I called them and told them what I was doing and they canceled me even though they had the money back
Product: Debt collection

I received a voicemail on XX/XX/2023, from a man named XXXX XXXX, informing me that there was a " pre-litigate complaint '' forwarded to his office that morning. He said I had XXXX hours to reply with a verbal statement about my intention regarding the debt. 

I knew throwing around hints of a lawsuit was an empty threat, as I had received no written communication regarding one, but I made sure to call back to see what this is about. 

I called XXXX back on XX/XX/2023. He informed me that an old payday loan I defaulted on with a company called XXXX XXXX XXXX had escalated to the point where they were pursuing legal action against me. He said notices had been sent to an old address of mine. I informed him I no longer live there and have received no notices. Rather than ask me for the correct address to send notices to, he went straight for payment. 

I was given the option to either pay {$2700.00} now to settle the debt or be sued for over {$6000.00}. According to him, the ability to pay in installments was no longer an option. 

I informed him I intended to pay the debt and had always intended to pay the debt, but that I don't have {$2700.00} right now and it would be at least a XXXX  before I do. He said I have until Monday before they send my file to the attorneys. 

Once again, an empty threat -- Monday is XXXX XXXX XXXX XXXX. I'm pretty sure neither he nor any attorneys will be working. 

Nonetheless, I told XXXX XXXX I would attempt to come up with the money by Monday. My plan was to look into loan options or put off paying some other bills in favor of settling this debt. 

However, on XX/XX/2023, I received another voicemail from XXXX XXXX. This one accused me of blocking his number, which I did not, and that they're now going to forward the complaint to the attorneys as a " direct refusal to comply '' even though I made a verbal promise to pay just the day before.

At no point in any of my communications with XXXX XXXX was I given a " Mini-Miranda Warning '' in accordance with the Fair Debt Collection Practices Act. Even though XXXX XXXX works for a pre-litigation firm and not a collection agency, my understanding of the FDCPA is they are still bound by the same debt collection regulations.
Product: Checking or savings account

I tried to transfer money with Wells Fargo online banking using XXXX to transfer {$1000.00} on XX/XX/2021. The recipient received the email from XXXX that someone was sending money to them, however they never received the transfer. After 3 days, on XX/XX/2021 I filed a claim with Wells Fargo about the unreceived funds and they acknowledged that the money was never posted to the recipients account, however it was withdrawn from my account. I called multiple times to find an update on the status of the claim and on XX/XX/2021 they told me they consider the claim closed and that the money shows it was sent. The money was never received by the recipient and still remains missing from my account. Wells Fargo has told me they can't tell me where the money was sent.
Product: Credit reporting or other personal consumer reports

Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 

Name and contact information of the original creditor, if this account was transferred or purchased. 

Any other documentation verifying the account is, in fact, mine. 

If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. 

Until this matter is cleared up, I firmly request that you stop reporting this account altogether. 

Please give this matter your prompt attention. 

Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original home mortgage loan was with XXXX, and taxes and interest were always paid separately. My payments were never late while with Wachovia. After the loan sold to Wells Fargo, Wells Fargo started charging me for the taxes and insurance with my principal payments even though those were already paid separately. When I sent a principal payment, Wells Fargo kept charging me extra for the taxes and insurance ( even though they were paid ) and reporting the entire payment as late plus they continued to charge me interest and penalties on the entire amount including taxes and insurance that was already paid. This made it nearly impossible for me to catch up. These late payments are the only ones on my credit report. I do not have any of these problems with any other creditor, including a car loan I have had with Wells Fargo ( never late on those ). I even borrowed money from a friend to pay the home mortgage account in full.
Product: Credit reporting or other personal consumer reports

I'm disputing inaccurate personal information on my consumer report. Update my address into XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, and my current employer is XXXX XXXX XXXX. My address and employment details must be updated to reflect accurate and up-to-date information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain maximum possible accuracy in all reported information. Any failure to investigate and correct these errors is a willful non-compliance under 15 U.S.C. 1681n, subject to {$1000.00} per violation. This dispute is submitted for a permissible purpose under 15 U.S.C. 1681b. I demand an immediate investigation, correction of my address and employment records, and written confirmation of these updates.
Product: Debt collection

Jefferson Capital System is ruthless. This debt is a time barred debt. It on an old XXXX  XXXX  account that is about 15 years old and these people are on my credit report when XXXX XXXX is not. They will not stop calling me now matter what
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I declare under penalty of perjury ( under the terms of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1622. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person, or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Product: Mortgage

1a. on XX/XX/XXXX XXXX filed a fraudulent Assignment of Deed of Trust falsely claiming to be nominee for the defunct XXXX XXXXXXXX XXXX. XXXX  violated RTC 23302 Transferring Property in California under a corporate suspended license. XXXX  license to do business in California was suspended by the Secretary of State of California XX/XX/XXXX. XXXX  license to do business in California was also suspended by The Franchise Tax Board XX/XX/XXXX. XXXX XXXX did not own any loans in XXXX XXXX XXXX XXXX XXXX. also filed a Corrective Assignment of deed of trust in XXXX operating under a Suspended Corporation violating State and Federal Laws. 
2 Specialize Loan Servicing is responsible for the illegal transferring of loans XXXX XXXX XXXX who is employed by Specialize Loan Servicing forged the Corrective Assignment falsely claims to be Assistant Secretary for the California Suspended Corporation XXXX, and representing the defunct XXXX XXXX XXXX who denies owning ANY LOANS as of XXXX See XXXX XXXX XXXX Liquidating Trust Letter Page 3.
Product: Money transfer, virtual currency, or money service

I attempted to transfer money from my Bank of America ( BOA ) account to my XXXX XXXX XXXX account. I had an existing linkage within my Bank of America account to this XXXX account, and when attempting to make the ACH payment, I realized I needed to update the address on file for the XXXX account as it was represented within Bank of America. I made the change and attempted to ACH the money over. Apparently I selected the wrong " how quickly do you want this to transfer '' option, which caused them to transfer it as a wire instead of an ACH. The transfer was rejected because the brokerage uses different routing and account numbers for the two transfer types. I was charged a transfer fee by Bank of America ( {$30.00} ), a transfer fee by the receiving institution for the rejection ( {$50.00} ), and a transfer fee by Bank of America to receive my own money back ( {$15.00} ). 

Upon attempting to track down the issue myself, I am no longer able to view my Bank of America XXXX XXXX linkage to re-confirm the account/routing numbers and reattempt ACH ( and walk myself back through the process to see where I selected the incorrect option ). I am also no longer able to add this account for a one-time transfer to confirm that I even selected an incorrect option in the first place- it apparently was " unable to auto-confirm the recipient as valid ''. From my perspective, I initiated a transfer through a mechanism that I had done before, and I lost {$95.00} and was told " trust us, you messed up ''. After contacting BOA customer service multiple times, I was able to get them to waive the {$15.00} receiving fee. 

I don't understand why it wouldn't re-check whether or not the existing linkage was valid after I updated my address in BOA for it, but let me walk myself into a transaction that was doomed to fail anyway, just so that they could charge me fees. 

I've attached the emails that I received - Transfer recipient edited, money sent, money failed, money received ( lacking any real information for why my money evaporated ), as well as the receipt for the {$50.00} fee that BOA had to direct me to on a customer service call, because publishing this information to the customer easily seems to be an unreasonable ask...
Product: Checking or savings account

On approximately XX/XX/2021 my small business checking account ( account # : XXXX ) was closed and sent to the back office of XXXX XXXX XXXX for review. I anticipated that I would receive a check for the balance of the checking account in a relatively reasonable period of time. After months and months of waiting I attempted to inquire about the status of the check and was routed to various departments without ever receiving an adequate explanation let alone a time frame as to when I should expect the check. Now that it has been over a year I think I should be entitled to know when I will receive the check.
Product: Credit card

Citibank Mastercard charged me a {$10.00} " cash advance fee '' because i made a {$20.00} purchase on my credit card using XXXX. It was not a cash advance, but they still charged me a " cash advance fee '' which they refused to remove. It's dishonest and unethical to lie about the nature of a purchase and then on top of that, charge a ridiculous fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable and I am very disappointed.
Product: Debt collection

I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Debt collection

On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 1 call - XXXX XXXX. 

According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.
Product: Payday loan, title loan, or personal loan

I mailed a check on XX/XX/2020, from XXXX XXXX XXXX to One Main Financial in the amount of {$6000.00} using their payment envelope to their XXXX, OH address. I wrote my account number on the check before mailing it to One Main although the photocopy of the checks ( made at the bank does not include the account number on the check ). One Main has not applied the payment to my account as of XX/XX/2020. So to avoid any late fees or negative credit ratings, I made an additional payment this evening online, XX/XX/2020, for {$170.00}. One Main does not apply my payments to my account unless I physically enter one of their branches. By the way, XXXX XXXX XXXX received my check, I wrote their account number on the memo and applied the {$10000.00} payment to my account. This is not the first time One Main has not applied my payments and threatened to negatively impact my credit rating. The photocopy was made at the bank ; however, when I mailed the checks I wrote the account numbers for the payments on the memo line of the checks.
Product: Payday loan, title loan, or personal loan

Hi Team, I came across a furniture page on XXXX. They said they have a physical store in a location that I will share. They said I can pay via financing so they shared me link of Koalafi ( Formerly West Creek Financial ). I applied and was approved for $ XXXX. They placed the order and said it'll take few days. Upon repeated calls, messages etc he told he can't deliver the order and will take additional month! I said in that case I would like to cancel my order as I was relocating and wanted furniture for my whole house. He said okay but then I called Koalafi to cancel the loan but they said they'll only cancel once that store owner calls and cancels. I called him again but I ended up being block on all the platforms. I have already made few payments to KOALAFI and they are not cooperating with me. They said they can't do anything despite the fact that they are the ones doing direct business with them. 
As a customer, I never knew what loan service he is providing me and I assumed that if Koalafi is working with a store manager it should be legitimate because I worked with Koalafi in the past and had the best experience. There must be any way to resolve such disputes rather than asking customers to call Store directly esp. when they are not responding in any way ( Call, Email, XXXX nothing ). Also it is mentioned that Koalafi release payment to merchants once the items are marked delivered which in any way wasn't marked by me. Just like a credit card dispute I was assuming Koalafi would assist me but their customer service hung up on me and said I need to pay all the payments until that store calls and cancels the order. I am calling them for the past 1.5 months and there is absolutely no one helping me and extremely rude including their supervisor. We all know this is not how a dispute works. 

Can you please help me sort this out? I have almost $ XXXX loan due for something I never even received. I am very stressed out and have no idea how to resolve this. Your help will be really appreciated. 
Furniture Store : XXXX XXXX XXXXXXXX Contact No : ( XXXX ) XXXX Koalafi Loan No : LOAN # XXXX Thanks XXXX XXXX