23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report. I want to see new credit report that this is gone.
Product: Bank account or service

I am a single member LLC. I changed my LLC name slightly, but many of my business fees were still being paid by checks made out to the original name-my name plus LLC ( both the new LLC name & my name our on my business checking acct ). For several years, I never had any trouble depositing these checks to my account, until XXXX, 2016. XXXX XXXX of Chase 's XXXX, IL XXXX, refused to take my deposit, cause of " improper endorsement ''. I had to catch a plane, so I took the deposit back. 
While our of town, my office staff informed me that their payroll checks were denied. I called Chase & was told " my account was frozen. '' No one would tell me the reason. I was told by the bank rep that " our relationship was over. '' After making several inquiries & complaints to the bank, I was told that my account would be unfrozen in one business day. 
Upon my return, I met with XXXX XXXX ( branch mgr ) & XXXX XXXX, business banker. They dealt with me in an accusatory manner, for incorrectly endorsing checks. They stated that their actions were " not a mistake ''. Moreover, the XXXX, IL branch, ( where my billing service deposits checks sent to them on my behalf ) was told not to accept " improperly endorsed '' checks from me & this continued for up to 2 weeks time. The XXXX tellers were apparently told to watch out for me, as they alluded that they were aware I had discussions with the branch mgr .At all Chase branches I have used, I was allowed to make these deposits for years.These actions seriously impacted my cash flow ; caused embarrassment for NSF checks returned to me ; made me obligated to pay NSF fees ; had to pay wire transfer fees to repay my payroll service for covering my employees payroll. 
I had my business account with Chase, as well as XXXX personal accts. & my home mortgage. I am leaving Chase & moving all XXXX accounts out of that bank. 
Holding my hard earned money hostage without any due process is despicable. I have been a good, honest client with this bank for approx. 10 years. I want all of my out of pocket fees covered & I want to see XXXX XXXX & XXXX XXXX fired or reprimanded at the least, with a personal apology letter to me.
Product: Debt collection

I received a collections notice via USPS stating that this account was in collections. I called XXXX who proceeded to agree with me that this was a fraudulent account but was told there was nothing they could do as it was already in collections. I have tried to contact the collection agency to dispute this, but this has not been successful. This account is for {$4100.00} and is really affecting my credit report as I apply to become a first-time home buyer. Another fraudulent account was also opened in my name with XXXX  and I was able to have that issue resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/1967 SS # : XXXX RE : XXXX XXXX Bankruptcy Case Number : XXXX Dear Clerk or Authorized person, I recently pulled my credit report from all 3 major credit bureaus and seen a bankruptcy being reported in my name. I was unaware that you guys report this private information to the bureaus without the consumer consent. I called them and they stated you the clerk/ Authorized person reported it. I would appreciate a letter back stating that you the clerk/ Authorized person do or do not report to the credit bureaus, and what method is used along with the person or department that reported the information and the procedure used to report that that information. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. 

However, recently the debt was sold XXXX XXXX, XXXX, and now Capital Management Services , LP is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. 

Despite disputing the debt as already being settled, Capital Management Services , LP decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. 

I have reached our to Capital Management Services , LP twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. 

I will be attaching the proof of settlement and proof that I disputed the debt through Capital Management Services , LP. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to Capital Management Services , LP to try and get this issue resolved, both of which have received no response at all.
Product: Money transfer, virtual currency, or money service

Need to reference this close XXXX # XXXX Coinbase has come back on XXXX and stated they admitted fault. They then said they were able to make a one time payout on this date which at this time the value of my loss was around approximately XXXX. This is due to them picking an arbitrary date. Since they returned amount of shares, why didn't they return on the date of loss which they're again admitting their fault. I believe I am entitled to that days value. 

Thanks, XXXX XXXX
Product: Credit card

I saw on my XXXX XXXX  report that i had a new account with Current XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX I sent them an email asking them to close any acoount with my name on it. 
I recieved an email back stating that they closed all accounts and cards in my name. They stated that I should change passwords that someone has access to all my information.
Product: Checking or savings account

I am a XXXX XXXX account holder. I wrote and mailed a check in the amount of {$1000.00} on XX/XX/XXXX. That check was stolen out of a postal box or truck, washed and rewritten in the amount of {$9500.00}, and processed at a Bank of America branch. My XXXX account was wiped out. I reported the matter to the bank as soon as I realized this, on XX/XX/XXXX. Account closed and new one opened. I reported to police. I filled out all XXXX and police paperwork immediately and was told my account should be settled in 7-10 days. I was relentless in going to bank, calling XXXX, calling XXXX claims... Targeted time for settlement became 30-60 days, then 60-90, then up to 120 days- with explanation that Bank of America had to sign off as the bank of deposit. It has now been 7 1/2 months with no closure in sight. 220 days?? XXXX would not extend me a courtesy credit when I requested it in XXXX -- trying to keep my small business afloat. Talked to co-heads of XXXX and XXXX Banking at XXXX. Talked to XXXX XXXX repeatedly. Resubmitting all documents as requested in XXXX, XXXX to XXXX XXXX XXXX and XXXX XXXX. at least 10 times. In XXXX, I spent money on my lawyer- asking for advice. I agreed to wait a bit longer to see if Bank of America would settle with XXXX, and then- XXXX with me. Nothing -- but, a lawyer fee : ( I was told by Chase that B of A acknowledged documentation on XX/XX/XXXX and acknowledged that my claim reached Adjustment Support on XX/XX/XXXX. I emailed B of A Adjustment Support on XX/XX/XXXX and heard nothing back. I called XXXX XXXX XXXX XXXX again today, XX/XX/XXXX and left a voice mail. HELP! Can Bank of America sign off on the fraud case and get the {$9500.00} back to XXXX and to me??!!
Product: Checking or savings account

Hello evening, I would like some form of knowledge as to what is going on with my funds and why it hasnt been deposited as of yet. With any added on fees to be connected along with this late payment to My account.
Product: Vehicle loan or lease

I recently encountered a concerning issue with my auto loan servicing. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, with payments scheduled for the XXXX and XXXX of each month. Due to recent XXXX on my XXXX, I was XXXX  and unable to make my payment by the due date of XX/XX/XXXX. I informed XXXX via text message that I had just returned from the hospital and would be able to make the payment within the upcoming week and asked to let me rest. Instead of replying asking for a date, which would have been XX/XX/XXXX, he continued to allow the system to randomly run a process for the payment. 

Despite my clear communication, XXXX proceeded to process the payment on my account as soon as I unlocked my card for essential purchases such as XXXX  and a XXXX  diet. XXXX response to my situation was that he could not process payments for a later date and that he had tried calling me, to which I had mentioned my difficulty in speaking due to my XXXX and preferred to communicate via text. I asked why didnt he respond via text when he read the text. XXXX response was how was I supposed to know you couldnt speak. 

I am concerned about the lack of flexibility and understanding in this matter, especially given my health circumstances. Additionally, I believe that the company 's practices may not align with ethical customer service standards. 

I would appreciate a review of this situation and a resolution that considers my current health situation. Please let me know if there is a way to address this issue or if further steps need to be taken. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). XXXX XXXX ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX XXXX' and Tele recovery ( which was account transferred from " XXXX  XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX  XXXX XXXX XXXX '' and I have never done any business with Tele recovery ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. XXXX XXXX, just contacted me on XX/XX/2018, a year and one month, after the account, was placed on my credit file. As for the Tele recovery account. I have no knowledge of this account, what so ever and it is not my account, nor has Tele recovery, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act. 

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XX/XX/XXXX '' savings accounts. Capital One misrepresented the XX/XX/XXXXt as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their promises and there right to actions
Product: Debt collection

The calls began a couple of months ago. My son received the first call- a woman asked for me- he asked for her information so he can relay who was calling- She began yelling at him stating to get me on the phone or I would be arrested and sued for an owed debt- the woman was aggressive so my son ended the call. Shortly after I received a call from the same woman ( before I knew my son had just spoken to her ) - She refused to say who she was or what my debt was- she demanded I give her my address and to prove my identity to her- I stated that was not going to happen- she became angry screaming at me so I hung up- my phone rang 3 more times from that number that night & every night since- there is always an auto generated voice mail saying to call wakefield & Associates XXXX for a debt in Colorado- I have never been to Colorado and do not have ANY past debt. The continual calling & harassing & screaming is out of control. Please advise what I need to do to stop this company from this harassment
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint : Unresolved ACH Fraudulent Withdrawal and Lack of Response from Bank of America Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America for their gross negligence and inadequate handling of a fraudulent ACH withdrawal of {$1200.00} from my account on XX/XX/2023. Despite reporting the incident immediately, I have been met with silence, delays, and a complete lack of resolution for over two months. 

Upon discovering the unauthorized withdrawal, I contacted Bank of America customer service on XXXXXXXX XXXX. The representative confirmed the fraudulent transaction and I was instructed to file a formal ACH Fraud Claim online, which I did immediately. 

Since then, I have called Bank of America every week for an update on the investigation and my stolen funds. Each time, I am met with automated prompts, long wait times, and inconsistent information. Despite resubmitting the ACH Fraud Claim form multiple times upon request, I have not received any official communication from the bank regarding the progress of the investigation or the status of my claim.

Unacceptable Service and Devastating Consequences : As a loyaXXXX Bank of America customer for over 30 years, I am appalled by the bank 's complete disregard for my situation. This fraudulent withdrawal has not only caused me significant financial hardship but also immense stress and frustration. The bank 's lack of action has eroded my trust in their ability to protect my financial security. 

Request for Immediate Intervention : I urge the CFPB to investigate this matter urgently and hold Bank of America accountable for their failure to adequately handle this fraudulent activity. I request the following : - Immediate return of the stolen {$1200.00} to my account.

- A thorough investigation into the source of the fraud and implementation of measures to prevent similar incidents.

I have attached relevant documentation, including the initial fraud report, communication logs with Bank of America representatives, and copies of the resubmitted ACH Fraud Claim form for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was living at XXXX XXXX XXXX in XXXX, PA back in XXXX. I decided to move to a different apartment complex XXXX XXXX in XXXX XXXX in the late spring of XXXX. I never signed a new lease at XXXX XXXX XXXX  yet they decided to put {$17000.00} on my credit report. They even rented the apartment right after I left and I still got charged. At the time I was living with an ex-girl friend and she also moved out of the unit but stayed in the same complex. 

I have been fighting this debt for years now and it has affected my ability to gain better credit scores and move forward in life. 

Creditor information Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : National Credit Systems collections date : XX/XX/2020 amount {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to formally write a dispute and complaint against the credit agency Equifax. I have attempted over a span of 6 months to include writing and submitting over 6 disputes in writing and 3 verbally to include a fax of a completed previous CFPB complaint that was finalized with the creditor, XXXX XXXX stating they have requested that all credit reporting agencies stop and remove this account from all bureaus. Equifax refuses to address this situation even with all the documentation forwarded for review. This is the only agency that is still reporting incorrect information and who exhibits the most disrespectful customer service ever. I have been on calls for more than 2 hrs, calls being disconnected as the representative refused to assist and when requesting a supervisor to attempt to address this discrepancy that has been carry on for over 6 months, I am abruptly always disconnected after waiting for at least 45mins on hold. 

There must be something done with being to get assistance in trying to correct information with this agency as it is causing many financial issues. Again this is the ONLY company that fails to correct incorrect information. This creditor has been removed from all agencies except this one. Please assist with get closure and correcting this information. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 California Account Services located at : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX  ( XXXX ) XXXX was served with a cease & desist letter, disputing the validity of the debt under terms and conditions of the FDCPA and informing them that I would deal with the original creditor directly. Since then, they have repeatedly reported this as a valid debt to credit bureaus and specifically to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has state that do not honor the fair credit my reference number was XXXX I was told that they didnt have to follow the fair credit act. Also I was told by a XXXX that they do not know the law and I should call the CFPB. The fair credit act I was referencing was ( In accordance with the Fair Credit Reporting act XXXX  Account # 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 ) please honor the law and delete all negative items and hard inquiries off my report immediately. My next step will be legal action against trans union
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect 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
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

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 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, {$620.00} I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And According to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under the paragraph ( XXXX ) of any information disputed by a consume, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete the item or information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.