23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, Source Receivables Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only XXXX bureau and that is the consumer financial protection bureau. On June 5, 1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
Product: Debt collection

Received a call from a debt collection company called unifin inc out of XXXX IL but phone number says Missouri XXXX asking me to confirm last four digits of my social which i did not. caller stated this was a call to collect a debt for over {$2000.00} with my XXXX XXXX XXXX XXXX. my account is not in collection with XXXX XXXXXXXX. i told the rep that i know that this is a scam because my account is not in collection. he then hung up the phone. i called back and the same person answered i told him to not call me and what ever information he had on me he better get rid of because i was contacting the XXXX and any other agency to report his company. he said he would do so but i don't believe him..
Product: Debt collection

{$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has completed a hard pull on XXXX XXXX, 2021 without my permission and the inquiry needs to be deleted immediately. I never authorized any inquiry in my name.
Product: Vehicle loan or lease

On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21. 

I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back. 

I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine. 

I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc. 

Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.
Product: Mortgage

In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 XXXX XXXX XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was contacted by Citi Bank Fraud Department saying there was suspicious activity on my account ( banks reach out when there is suspicious activity ). The representative went over the transactions and said they were fraud. The rep told me they will fix it and to give them the code that was sent to my phone. I gave the code and was told everything is fixed and will update by the following day. The next morning I got a call from the bank that I missed while I was working. I called the bank back on the same number I received the call from the night before ( citi fraud dept ) this was at XXXX XXXX  and was told my wires have been sent out. I never scheduled any wires and immediately stated that is fraud. They told me they will do a wire recall and make sure my money was returned to my account. 

I filed FBI and Police reports and after 10 days Citi bank told me they can not help me out and they were not able to retrieve the money that was fraudulently wired out of my account. I received a call from Citi Bank Fraud Department and the next morning XXXX wires totaling {$9700.00} were wired out of my account and the bank is not trying to make me whole. I have proof of everything that this was fraud. This has caused a nightmare and the money that I pay bills with is gone and my bank is not doing anything to help me. 

Citi bank has the nerve to try to say this was my fault when clearly someone accessed my account and stole money from me via wires. I am a victim of fraud and the bank that is supposed to protect me is not doing a single thing to make it right. 

Citi bank early fraud prevention states on their website they will reach out if they sense suspicious activity. I followed the rules and got robbed now I need to be made whole. 

I hope this helps me get my money back because my life depends on it. I am falling behind on my bills since that was all the money I had. 

Police report number with the XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am seeking assistance with a credit issue involving XXXX, which reported a delinquency of {$200.00} on my account that I believe is incorrect. The delinquency arose due to XXXX  failure to update my contact details after I moved, as well as their lack of communication about the account. Despite attempts to dispute the report through Experian and XXXX, XXXX has declined these disputes, leaving my credit score significantly impacted. 

Additionally, Experian and XXXX appear to have used personal information without my consent, further complicating the matter. I need guidance on how to resolve this issue with XXXX and ensure the correction of my credit report.
Product: Credit card

Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in XXXX
Product: Checking or savings account

I have been W BOFA for over 15 years! I AM a XXXX XXXX and XXXX. Currently I have ; XXXX personal, XXXX business accounts, XXXX savings, XXXX IRA and XXXX XXXX account w BOFA. I am currently based out of XXXX. I back then 2019 may have had an over draft on my account here or there, nothing ever dyer. 

I opened my XXXX business with Bofa in XX/XX/2019. At this time I had started my journey into growing substantially my financial status and relationship w BOFA. However, when COVID-19 came and took THE WORLD literally by storm, towards mid XX/XX/2019 I was THEN starting to feel the financial straights in my personal circumstance, just as many others. Being in New York to me was a blessing, with the city and gov agencies doing all they could to keep us safe. You'd think that a bank like XXXX who ALONE rakes in OVER XXXX XXXX dollars a YEAR in OVERDRAFT FEES ( something we all know is MADE UP! and outright R I D I CU L O U S! ) would show some compassion and STOP. HOLD overdraft fees. 

however, they did not. and as a small business owner who prided myself on never being over drafted I became over drafted frequently. I am a XXXX by faith, so every time I would be 33.00 over drafted on a 5.dollar item, or anything, I would call and plead and make my case to be known that I too, had directly been effected by Covid19 pandemic and that the fees were making matters worst. 

As a small business, I completely came to a hard stop as a result of COVID19. Also bc I was a new business opening just months before covid 19 I was not getting any help! PPP/EIDL all of those options were not available. I also XXXX and XXXX. Well my clients that paid me in yearly, were now split paying me. so my funds were low for the months XXXX. And unemployment was only XXXX a week so it was just that time for me and my business ' to 'go through it '. 

However, XXXX did not care some of their personnel acted directly so. And that's why I am here because I stood up for myself and my account getting my law firm involved to reverse some of the fees. 

Since 2019 XXXX my accounts have been fine. However all of a sudden, I get a letter from Bofa XXXX me singling me out and TELLING me, not asking that they are changing THE TYPE of my account, so I can no longer write checks, etc because of my overdrafts???!!! SERIOUSLY during a world wide pandemic and I literally had a 4 month streak ... after 15yearrs!!! of relationship. to me that's fishy. this is BULLYING and SINGLING ME OUT. I called several times to STOP these actions, half of the BOFA employees didn't know what i was talking about until finally one day I spoke w a manger and she called some team and they denied my account being overturned. 

So I clearly believe that because I did not allow them to just take take and take fees from me during COVID19 and I was proactive and on top of my resilience they are now bullying me into a lesser than product which is unacceptable!!!! I found XXXX office and they fwd. it to you and told me to file so here we are.
Product: Debt collection

On XX/XX/XXXX, I received an offer from a utility company. XXXX XXXX, mailed me out a offer of {$600.00} to switch my utility switching fee would be paid. acct # XXXX. 
XXXX XXXX, acct # XXXX XXXX XXXX was prior utilitiy. early cancelation fee was {$600.00}. After speaking with a XXXX. I switched over. that conversation took place. after giving all my info the XXXX. I spoke to a rept. gave the information from my mail of {$600.00} dollar switch over fee to that representative. I informed the representative to secure my closer fee to reliant. I informed the XXXX representative, I was not renewing my lease. When I find a cheaper resident, I would be in contact with them, now that was at the time of registering with XXXX, in XXXX. XX/XX/XXXX, I requested service be out of my name as of XX/XX/XXXX. Now this XXXX company. is now back stepping their agreement. I have struggle paying a few utility bills on time but always caught up. 
XXXX are taking advantage of me. I have been XXXX! Causing a collection company to effect my XXXX XXXX XXXX yrs. The collection XXXX XXXX XXXX ( XXXX ), report # XXXX. XXXX is now XXXX up a higher utility bill for XXXX, XXXX. And for the month of XXXX and XXXX for a XXXX of {$500.00} some odd dollars. I was out of my appartment on XX/XX/XXXX. They tell the shut off order the sales representative got disconnected. No way there was repeatedly informed him to disconnect. 
On top of this is I could no longer afford to pay my rent located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after XXXX yrs. of residency. ( On XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020 and XXXX. XXXX, 2020, PENTAGON FCUXXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

I closed a Bank of America credit card XX/XX/XXXX and XXXX " pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!
Product: Debt collection

GLA contacted a phone number I do have but it is a cell phone and the voicemail is not secured and does not identify any name. The message broke HIPAA and fair credit by disclosing nature of call, that it was for home health services, and stated there was a judgement of which there is not. I contacted the XXXX XXXX XXXX and they show they had not spoken to me and that I do not have a judgement. I called GLA and because I would not give me social security number they refused to accept my statement of dispute of the debt. I am not required to give my SSN and I did verify the phone number and my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent XXXX XXXX XXXX {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance I am not more than 30 days late on my car note, This is the second time they have reporting a late payment when I was not yet late. Please stop doing that it is ruining my credit and causing me damages at a time when I am currently looking for housing. My credit score has been greatly affected by this false reporting. Please update account to paid as agreed until after I have been more than 30 days late.
Product: Credit card

For a few years now, I've tried to reach out to Capital One on a few separate occasions to find out why I'm being charged for cash advance fees but no response from dispute team. Couple years ago between XXXX till now, I noticed that I'm being charged every month for cash advance fees because I am sending money through third-party ( XXXX ) to families and friends. HOWEVER, prior to that I was never charged for cash advance fees using XXXX. 

The only thing I'm asking for Capital One to do is explain when they started to charging cash advance fees for third-party. Was there an update on their policies? Why didn't I receive an email or letter confirming this change? Has it always been a charge to use third-parties, if so, why was I never charged once while using it prior?
Product: Checking or savings account

I filed a complaint with the case number XXXX. However I received a response letter from the business for another case XXXX for someone else. I attached the response letter to this complaint. I can not believe this is the way HSBC treat their customers. 

Here is my original complaint : My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.