23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased a phone from XXXX ( Financed by TD BankXXXX XXXX ) and returned the phone after 1 week but they kept charging me every month since more than two years until now!! ..although I tried to contact them ( both the bank and the samsung ) so many times via phone, emails and mails ..filling a dispute even but nothing solve the issue.XXXX XXXX is confirming the return but TD bank refusing to refund the money and claiming that they refunded it and closed the case ( TD bank refunded the amount in XXXX that year but they re-charged me again the same amount the following month )!!!!!
Product: Vehicle loan or lease

I have a charged off account on my credit for {$32.00}, XXXX from XXXXMAZDA FIN SVC. Account number : XXXX. I was told the vehicle was never recovered which is why it's showing as a reposession. I was never in possession of the vehicle and was unaware the vehicle monthly payment had never been received. The vehicle has always been with XXXX XXXX, the second joint owner. The vehicle can be recovered and I want to know how that all affect the balance owed. or how can I be removed from full financial responsibility.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 


I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$320.00} cash back bonus. I opened this account on XXXX XXXX XXXX. 
On XXXX XX/XX/2022, when i checked for this {$320.00} bonus, Customer service was unaware of it and opened a case. No response from WF till this point of time.
Product: Debt collection

For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXXInquiry XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile.

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question.

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities.

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

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

The vehicle was repossessed by about, XX/XX/XXXX XXXX XXXX and was resold on XX/XX/XXXX. 
Under the laws of the State of ILLINOIS and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. There was NO provided copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Since no such proof was provided within 30 days from receipt of the notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX  and XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to customer services and unfair practice which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to make timely and effective measures in order to prevent and address fraud on their platform. Leaving My Account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive. As they do not comply with with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience as well as financial loss and I seek appropriate redness for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the bureau  disputing incorrect personal information in my credit file, I requested the bureau to remove the incorrect information because they were incorrect, but the bureau didn't respond within the 30 days period allow by law. I sent a second letter on XX/XX/XXXX with the same information I requested to be verify or remove, the bureau responded on XX/XX/XXXX requesting proof of my identity, I sent on XX/XX/XXXX a copy of my social security number, a copy of my ID and a copy of a bill with my current address on it since that date the bureau didn't respond or remove the information I disputed and kept reporting these information in my credit report.
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Checking or savings account

On XX/XX/21, at approximately XXXX pm I ( XXXX XXXX ) received a call from a woman named " XXXX, '' who claimed to be from Citibank. She claimed there was an attempt to charge {$450.00} at a XXXX in Georgia. 
She asked were we visiting Georgia. I told her no! I was a bit distracted while on a XXXX  business call and multitasking. She then texted me a Citibank code and asked me to repeat it to her. I gave her the code and she claimed she declinded the attempted fraud on our checking account. 

Approximately three hours later around XXXX XXXX, Citibank called and indicated that there was a {$2000.00} wire that was just sent out from our checking account. I stated that we did not send out a {$2000.00} wire on XX/XX/21. 

The Citibank representative shared with me that the wire was sent to another Citibank Account, to a woman named XXXX XXXX. I was told the fraudulent wire was caught quickly and flagged as a fraud and it would be easy to recover the funds and I would be reimbursed. I have attached police report and letters from Citibank declining my compliant and my demand of the {$2000.00}.
Product: Checking or savings account

I deposited a check for {$390000.00} to my CHASE BANK account on XX/XX/XXXX. The check was cleared the same day ( i.e. : the funds were withdrawn from the account of the person who wrote the check ). 

It's now XX/XX/XXXX, and CHASE BANK still has {$200000.00} of the funds on hold. They temporarily released some of the money, but have closed the account without explaining why or providing access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy in XX/XX/2015. XXXX  loans were discharged, yet were resold several times despite that to various collection companies. Each time I have contacted the collection company directly, provided them copies of the bankruptcy and discharge notices. Every couple of months, despite contacting all three credit bureaus directly, they reappear on my credit report. I have to submit a new dispute and start all over again. They are currently with XXXX XXXX XXXX XXXX XXXX, XXXX collecting on behalf of XXXX XXXX XXXX XXXX. They call me multiple times a day, despite paying for and providing them documentation of the bankruptcy and discharge notice from now almost 3 years ago. I am feeling harrassed and my credit is being abused and the credit bureaus aren't helping. I don't want to be forced to take thrm to court, but they won't stop and the law should protect me from this. Please assist! Thank you!
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended on XX/XX/22 right after I was sent {$500.00}. The app informed me that I had violated PayPals Acceptable Use Policy although Ive done nothing now or throughout the past 6 years Ive been using their services to trigger a security concern. I emailed and called the Venmo support team and was told that another department would contact me within 6 to 7 business days. Today is day 7 and so far Ive received no email, no phone call, and no account restoration. I reached out again and was told that there is a delay in response and Id need to wait 10 to 15 business days. Im submitting my experience because Ive read about similar complaints where customers are asked to wait additional days for their accounts to be restored only for months and months to pass with no resolution and with no access to their funds. I've reached out via email and phone three times and have not been told why my account was suspended or had it restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am filing a complaint against Ally Bank for refusing to reimburse penalties and damages caused by their actions. They froze all my bank accounts on XX/XX/XXXX without warning due to a security error, and the assigned investigator failed to resolve the issue promptly, resulting in a week-long ordeal. This led to rejected withdrawals by institutions like the IRS and my internet provider, resulting in penalties for late payments and rejected transactions. These incidents have permanently damaged my account statuses, affecting my creditworthiness. 

Although Ally Bank reimbursed the IRS penalties, they unjustly refuse to reimburse the penalties from my internet company. During a lengthy phone call, their representatives repeatedly dismissed my concerns and cited a refund issued within the last 12 months as a reason for being unable to provide further reimbursement. This selective approach is unacceptable. Ally Bank can not freeze my funds, incur several penalties, and selectively address damages from only one institution while disregarding others. 

I urge the CFPB to hold Ally Bank accountable for their negligence. I am seeking fair compensation for financial losses, penalties, and the lasting negative impact on my account status caused by Ally Bank 's actions.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

I have reached out to this company several times to get them to stop garnishing my paycheck I am barely making ends meet. I need the garnishment to stop because it has reached the statute of limitations in the state of Mississippi. Limitations of Actions and Prevention of Frauds 15-1-43. All actions founded on any judgment or decree rendered by any court of record in this state, shall be brought within XXXX ( XXXX ) years next after the rendition of such judgment or decree, or last renewal of judgment or decree, whichever is later.
Product: Credit reporting or other personal consumer reports

I am going to list several information confirmation that Ive always had money in my account. Its been an ongoing process. The only reason I have not decided to not do business with them because I know that it affects my life as it is going out. I work extremely hard in my life as well as work extremely hard on my credit to fix it from past mistake trying to help some one else XXXX XXXX  I have documentations that will show proof in accurate information. I also have additional information if needed for other parties to confirm that auto pay, which would be XXXX XXXX XXXX  can confirm with their policies if there has not been any funds the funds would always be covered also can verify that money always all XXXX my accounts and that auto pay has no dysfunctions to be received. XXXX  receipts can verify auto pay as well for the past XXXX months and all-time payments now what time we had discussed and rearrange any payments according to AVA, this was a personal decision that was made based on race XXXX XXXX, discrimination, and defamation of character
Product: Credit card

Discover Card states on their website that they have payment forgiveness and as long as you call and honestly explain your situation agreements can be made. I've tried reaching out to explain my financial hardship post covid but they will not lower my monthly payment. This seems to be trending with other credit card companies as well and something needs to be done because I as a consumer want to make arrangements but Discover Card is treating me different from what they say they will do on their website which is false advertising.
Product: Credit reporting or other personal consumer reports

Preventing me for future loan or credit application i belive NAVY FEDERAL may be committing fraud by reporting a loss on my credit report where they should gsve supplied me a 1099 so i can report..
Product: Student loan

One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.