23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX I started with XXXX XXXX XXXX ( XXXX ) to help with credit card debt. XXXX of the requirements was that I had to go past due on my credit card debt. Which I did, but didn't feel comfortable with. XXXX tried to sue me then, but it was not completed because I had legal counsel through XXXX. 

On XXXX I retired and my income was substantially reduced and I couldn't afford my payments to XXXX so I dropped out of the program. 

Then on XX/XX/XXXX out if the blue I received a packet from Suttell & Hammer with judgement papers. I have no recall of receiving any prior communication from them. This debt is old and I should not be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

Again I have issues with Chrysler Capital and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX  and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from Santander call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
Product: Debt collection

On XXXX XXXX after reviewing my credit report, I wrote a letter to Midland Credit Management to dispute the debt as I was unaware of this collection. I asked XXXX to provide proof this debt is mine including a certified document with my wet signature and proof of their contractual relationship with the creditor XXXX XXXX Bank that authorized them to pursue this commercial claim. 

I received a response dated XX/XX/XXXX with a copy of a final bill from XXXX, and a default judgement for a court date I was never notified of. There is no proof of service of process or any documentation submitted to me so that I may dispute the billing. As per their documentation I was served at a previous address in XXXX  on or about XXXX of XXXX, but I had not lived at that address since XXXX of XXXX and in fact another family was living there. I had moved to another state, and there was a forwarding address on file with the XXXX. 

Midland also failed to provide the requested proof of account ownership by me with a certified contract/agreement with my wet signature.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Debt collection

I ask for statement for the original signature. I told them my daughter father and his girlfriend open this in my name because we broke up. Still they said nothing.i ask how was the payments made, and how was the initial deposit made. Its been on my credit report for XXXX  years.
Product: Mortgage

In XXXX XXXX XXXX I called my new mortgage company LoanCare LLC asking to adjust my auto payments and they said they would help me do so once the account was created. I took this as they turned off the auto draft so I made a payment. To my surprise I was double causing financial hardship for my family. Then LoanCare told me they couldn't transfer the money back to me until they assigned an investigator in 10 days, then the investigation could be done then maybe a check could be sent out. I have asked over and over that they investigate the issue and tell me what happened and they company is refusing to provide me any insight into the findings.
Product: Credit card or prepaid card

Citibank advertises their shop your way program. You can receive points for using the card, and use those points at other merchants. The problem is you can not access your account. If you try to use your password it is not accepted and if you try to change the password itis not accepted. So I called Citibank to complain and they send your call to shop your way rewards. they do not answer the phone. I left a message for them to call, no call. I have XXXX points which is worth {$120.00} I can not use. if you get on the website you will see others have the same problem.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I called am express to waive my late charge as my wife was at the XXXX XXXX. they waived a charge but added double late fees in XXXX I said why and they gave no explanation.. this happened many times. icalled to make payment on XX/XX/XXXX ( the due date ) charged a late fee. I didn't notice this until my XXXX statement when I saw a fee was charged on my due date ... it was on time, yet they charged a fee ... MY MAJOR COMPLAINT IS 29 % increase in apr for the XXXX AND ILLEGAL .... this co. has been doing this for a long time- this is illegal- they be fined for unfair credit practices. please respond payments have ceased until this problem is resolved. thank you XXXX XXXX -- - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021I sent a letter regarding inaccurate and unknown things on my report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being blatantly ignored. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX M XXXX XXXX XXXX A XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Product: Money transfer, virtual currency, or money service

I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.
Product: Debt collection

My wallet was stolen in XXXX XXXX Texas, 10 years ago, and accounts was opened in my name. I have no knowledge of these accounts. And is still on my report after 7 years.
Product: Payday loan, title loan, or personal loan

Upgrade has completely ignored my request to remove inquiries that should not be long on my credit and has lied in stating that I have on my second application with them after failing to find an alternative way to identify myself and simply seems to be collecting data of bars while negatively affecting their credit reports with no intention of ever loaning any money. I have reached out to shovel officers of the company on XXXX and was blocked by then. This level of customer service seems to be typical with online platforms That promise low interest rates and virtual guarantees to steal business from traditional banks with no intention of ever for filling the loan. This deceptive advertising negatively affects consumers and now I am in a position where my score is dropped and Im unable to obtain the loan.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX Credit Repirting Companies via EXPERIAN.COM member paid online App, charging {$2400.00} a month subscription charged to my debit card monthly, Experian has quite a Monopoly in progress in 2024 Experian sells us Consumers a " Credit Monitoring '' annual/monthly subscription for {$24.00} a month including access on EXOERIAN APP XXXX XXXX and XXXX real time reports. Experian on APP promotes for Large U.S. Banks Credit cards, Secured Credit Cards, Car insurance for XXXX, XXXX, XXXX, Home and life insurance, Loan companies based on each consumers paid subscription Credit XXXX score. EXPETIAN, also uses XXXX XXXX APP to access you as Consumer Subscriber access XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX and dozens of U.S. and State Licensed Banks and local and XXXX XXXX XXXX. As a Consumer paid Subscriber 2 Experian APP, These Banks, Credit Unions, Utility Companies, Licensed Hone, Auto, LIFE Indurers, Credit Cards with XXXX  Corporate Licensed services logo, these Vompanies pay Huge US Dollar DATA BROKERAGE personal Consumer info sharing and selling with EXPERIAN Corporation unknown to most Expetian paid member subscribers 24/7. XXXX and XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all pay to and get paid Via XXXX to sell Customers 24/7 activity in there own local U.S. city they live in to XXXX who sells to Big Banks etc to solocit more Crefit products via Consumers online Algorithm and XXXX Search engine activities. 
Also XXXX admittedly via has a NEW 3 tier 3 Credit bureau private Mortgage , Auto Loan, And Credit Card XXXX score most US Consumers Un aware of. So if you as XXXX Customer see your Expetian Score on EXPERIAN VAPP on XX/XX/2024 as a XXXX, u scroll down to bottom of APP at click on Auto, Mortgage, XXXX score and it will show i.e. your Auto Loan EXpetian score to XXXX Companies as only a XXXX for example, sane as Nirtgage Score worthiness to a XXXX XXXX XXXX Mortgage underwriter gets Expetian score for you of XXXX For XXXX, not your visible Consumer score time. Of XXXX. This XXXX Score Manipulation is Not Legally US Legislated currently. Lenders and Expetian, XXXX and XXXX XXXX pay each other Millions in US Dollars to use thus Score system to charge higher interest or deny many Consumer XXXX products. Also EXPERIAN now uses XXXX  number identifier XXXX XXXX XXXX XXXX specifically is a Score Factor visible to Banks via EXPERIAN which collects andxsells this XXXX  XXXX category on you as a Consumer via your 3 Credit bureau XXXXcore so Banks/Credit Unions/Lenders can pay EXPETIAN money to have full 24/7 data Brokerage and Algorithm real time via you as Consumer XXXX
Product: Vehicle loan or lease

I recently purchased a new XXXX from XXXX XXXX Toyota on XX/XX/XXXX and received financing through XXXX XXXX and was set to begin my payments from XX/XX/XXXX. I received a mail dated XX/XX/XXXX from the car dealership that the financing did not go through with no reasons specified nor a statement from the bank. I don't see how this is possible as I was approved at the time of purchase and have been using my car for the last XXXXXXXX XXXX I must also mention that I received no intimation from the bank ( XXXX XXXX in this case ) regarding the same. Is this not a breach of contract? Also, how could they allow me to leave with a vehicle if my financing had not come through. I did put down {$2000.00} on the day of purchase and I'm now concerned that I may have to lose the vehicle and my money on the basis that I have used the car for these many days. I don't see any grounds on which this can be done. The same thing happened with my roommate at a different XXXX dealership and they lost XXXX their down payment and the car so I do believe there is a fraudulent nature to this activity.
Product: Checking or savings account

XX/XX/XXXX for XXXX I was charged the wrong amount and my bank never gave my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shares medical records with 3rd parties. This is a breach of the HIPPA privacy laws instated by our federal government, since this company that deals with the American social security system ; As a part of our federal consumer privacy laws in America this is an alarming company to be sharing personal information to parties WITH NO PERMISSION from the consumer. This is also a FEDERAL OFFENSE in accordance to our constitution and laws set in place to protect consumers from fraud and privacy Breaches. I have not nor do ever authorize this company or ANY of it's partners/ affiliates that have are or will be involved in this policy, to ever use my information for any reasons regardless of requests from other parties. Again this is a company breaching consumer privacy laws by releasing medical records from it's consumers/customers with no permission. Nor do I authorize this company to ever use my information or to share any said information collected about myself or my descendants for any reasons what so ever, here unto and forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.
Product: Credit reporting or other personal consumer reports

I am refilling this to complain TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

2022 - I sent money through Zelle and then realized it was sent to the wrong person. I was not able to cancel the transaction or ask for a refund. I was not aware there wasnt a cancellation policy or protection against fraud.
Product: Debt collection

over the last year i have received between 1-4 phone calls a day from a debt collection company called navient. the specific number they call from is : XXXX XXXX no one in this household has ever done any business with navient. we are neither in student or any other kind of debt. they have no legal reason to be calling us. 

when i unblocked their number & answered the phone, there was only a computer voice on the other end. i have tried writing to them, but got no response. ( navient does not offer an email on chat line to communicate with them. ) at this point i have no other choice but to ask my government to get them to stop the harassing phone calls. 

i dont know if navient is phising or my number has been somehow stuck in their computer system for the last year. but in either case, they should not be allowed to continue using harassing tactics in trying to collect debt.
Product: Credit card or prepaid card

USAA has been charging me dozens of Returned Check Fees. I always pay USAA through online transfer from my different banks checking account, but so often it takes days before the payment is posted. This leads to me thinking I have more money in my checking account days after paying my CC bill, because the CC payment was slow on transferring my CC payment. Ive tried on multiple occasions to call before the payment is posted, and before receiving a RCF, but the always tell me its not their fault so they wont return any fees. Ive payed hundreds in fees with a {$500.00} limit CC. Because of these fees throughout the last 3-4 years I am over my limit 200 % and my credit is affected. USAA customer service has been very short and rude throughout these years. Ive been hung up on, and continuously transferred to multiple wrong departments. No compassion and no reasonable middle ground is given. Me, being a XXXX veteran and single father of a XXXX cant seem to get ahead of this and my credit, and therefore our lives, have greatly suffered due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file. 

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report. 

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) XXXX XXXX XXXX 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.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Checking or savings account

I opened a checking account with Popular Bank in XXXX 2022. In XXXX 2022 I was informed by Popular Bank that I live outside of the community they serve. I live in XXXX XXXX FL, their closest branch is in XXXX FL. I understand this and accept their decision however I deposited in total {$320.00}. To date the bank has only returned my initial deposit of {$100.00}. The bank is requesting that I visit the XXXX branch in order to retrieve the remaining funds. I accept that it is their right to close the account due to me living outside of the community they serve, however asking me to then visit the branch to retrieve the remaining funds is not logical. I have called numerous times to request that an official check be mailed to my address but they refuse. I would like for a check to be sent since I live outside of their service area it would be an undue hardship to request that I now visit their branch in XXXX FL.