23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company calls every 5 minutes, disturbs me at work and while driving endangering my life. They insist that I owe a Dr. that I have never seen. I have no bills from this doctor at XXXX XXXX and XXXX. I have no account with them since I have never been there.
Product: Debt collection

I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
Account name XXXX XXXX XXXX Account number XXXX Balance {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX  as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
Victorias secret is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX  {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Product: Checking or savings account

PNC recently changed their policy to not allow it's users to link their accounts or debit cards to third parties, thus denying access to my money that they are holding. This is illegal and needs to stop. I was told by my investment company PNC no longer allows me to link my account with them so I can not automatically deposit funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX XXXXXXXX charge off account XXXX XXXX late payment account XXXXXXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXXXXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and XXXX, as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have called several times regarding error messages accessing my report online. The only response from " customer service '' is to try an sell me one of their products. Will not send me a report via phone call and can not access via XXXX
Product: Checking or savings account

My dad tried depositing cash to my account on XX/XX/2019. He was told that cash can not be deposited to my account by Chase. He tried then depositing with his debit card and was told this is not allowed either and that it must be a check, money order or cashiers check. He then got a cashiers check and deposited to my account. Chase put a hold on my account that will potentially cause me a late fee and/or credit reporting issue. Had they accepted the cash I wouldnt have incurred these issues. Cash is legal tender and not accepting cash as a payment is illegal, how is this policy okay?
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reflecting a negative impact due to unpaid balance. This was for a XXXX account that I never opened. I began disputing the charges but nothing ever happened. I then began contacting XXXX directly and filed to have an investigation opened. The outcome of the investigation showed that there was no fraud found and that I would be liable for the charges. I then had the investigation reopened and filed a police report as well. I have to wait weeks until a copy of the report will be sent to me so that then I can submit it to XXXX fraud department.
Product: Vehicle loan or lease

The amortization forms used by CarMax are calculating higher payments than they should. 

The loan amount is {$22000.00}, interest rate of 3.70 % and a loan term of 66 months. 

Every online tool or calculator ( I'm using MS Excel Loan Amortization tool ) shows a payment of {$370.00} with a finance charge of {$2400.00}. 

The paperwork I received from XXXX shows a payment of {$380.00} and a finance charge of {$2400.00}. 

I called to alert them of the issue and they said their calculations are correct because they charge XXXX finance charge per day. But that's not how loan payments work. I even showed the rep how to calculate it using online tools.She tried to reach out to several people within the company but was told the calculation is correct. 

I mentioned that their systems are probably rounding incorrectly somewhere along the line, but they told me it is what is it and there's nothing they can do about it.
Product: Payday loan, title loan, or personal loan

I was contacted by phone and through email with messages advising me I have been approved for a payday loan. They emailed me on XX/XX/2019 saying I was approved. I called them and the terms of the loan were described to me inacurrately and they violated State Law in Michigan by offering this loan. This company put false claims and false information in the loan contract trying to make it seem like this payday loan was legal, however, after doing my research they do not have a lending license in Michigan, the APR on the payday loan exceeded the maximum amount allowed by Michigan law, they made false claims how Michigan law doesnt apply to them because they are a tribal lender, they stated in the contract that I could revoke ACH authorization any time by emailing them and when I emailed them to do that and advise them that this loan is illegal and that I am bound by my state laws not theirs and also asked to be provided a license number to prove they were licensed to lend in the state of Michigan or I would file complaints with the FTC, the XXXX, and my attorney general of Michigan I received no response. However, from that same email address I wrote my email to on XX/XX/2019, they are pretending they never received any email and continuously emailing me with payment reminders and stating they will be drafting from my account automatically in a few days. I revoked all wage assignment and made it clear to cease and decist all contact by telephone to me, my employer, or any reference I provided them on the application and I will only communicate by email with regards to this matter. Even after my cease and decist demand they have still contacted me by telephone completely ignoring my demands. After taking the loan I did some research and found out that if I feel a lender violated Michigan law then I should notify the lender in writing that they have violated law and the lender has 3 days for a decision. If it is determined they did violate the law which they did multiple times then the lender is required to pay the borrower 5 times the fee ( minimum {$15.00} ) associated with the loan. I sent this letter to the email address I was provided on XX/XX/2019 and they have not responded to me or even acknowledged the email, but again they keep emailing me demanding payments and saying they are going to debit my account from that same exact email I wrote my letter to. Multiple laws have been broken and they are not responding to my demands or my emails, they are still providing illegal inaccurate information, and I would appreciate any help I can get to shut this company down. They are operating illegally and taking advantage of consumers. Thank you for taking the time to read my complaint.
Product: Debt collection

On XX/XX/XXXX, I received a letter from " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' on behalf of UHG I LLC stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from UHG I LLC or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.
Product: Student loan

I have been paying on two student loans serviced through Navient and have had issues concerning payment processing. I have been informed recently from one Representative that I was pass due on a Navient loan sense XX/XX/XXXXfor {$110.00} but over paid on Navient Department of Education. I told the Rep that I have receipts to show that I have been paying and they needed to explain why payments were not posted. I continued to mail my payments in and made another call to speak with a different Rep XXXX on or about XX/XX/XXXX she pulled my account up and stated that I was pass due for {$360.00} I was frustrated because I didn't get a concrete answer from previous and then being told that I now owe a different amount. I have been paying these loans for at least 10 years and don't seem to have put a dent in the total but being told that I owe more is unsettling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcraXXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and i noticed inaccurate information on my credit report and i noticed that my consumer rights had been violated. These are the inquires that are unauthorized 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

What was the method of verification? This account is in violation with Metro2 compliance. I have yet to receive any notifications about the status since I started disputing these accounts in XXXX XXXX  I am having trouble trying to find date of last actively ( XXXX ) on these accounts : XXXX XXXX And XXXX, XXXX, XXXX XXXX XXXX XXXX 

I have made several attempts to have these accounts removed. I have no contractual obligations with any of these companies reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX about this issue and I was overlooked, and was refused for correcting the derogatory report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

A scammer accessed my Bank of America checking account on XXXX and set up bill pay accounts to XXXX XXXX XXXX XXXX XXXX up XXXX payments of {$4700.00} and {$4800.00}, totaling {$9600.00}. I reported the fraud on XXXX while transactions were still in " pending status ''. The account was locked by the bank but funds were still allowed to leave account. My account is set up to receive phone notifications when bill pay accounts are created and no phone notifications were sent to me. Funds were taken and returned 3 times over the next couple of days. I have received no answers from the bank other than a claim denial. Documentation is attached. I immediately filed a police report. I later send a letter ( attached ) to the Presidents office but have received no follow thru other than a promise that they will follow up on this. I have contacted the bank by phone on at least 20 occasions and twice by an email letter with explanation. This has been an extreme hardship for my wife and I who are senior citizens. I have a XXXX  year history with Bank of America with no previous fraud issues. We just moved to XXXX  from XXXX  and the money that was stolen was to pay for our moving expenses. Please help us!!
Product: Checking or savings account

On XXXX the XXXX I received a notification that XXXX regarding my account being overdrawn ... it was under XXXX I immediately zelled the funds from my other account to bring current same day and sent in more to be safe On XX/XX/XXXX I received a notification that XXXX charges made me go over limit and I was charged XXXX each Which chase has some kind of algorithm that they post pending charges later to negatively impact and they collect the fees I want my fees back they have taken advantage of consumers for too long
Product: Credit reporting

Looking at an online report number XXXX dated XXXX/XXXX/17 on the Experian website, they are reporting a duplicate collection account with XXXX different collection agencies. Experian is the only credit reporting agency reporting this in this manner. The account is already being reported under XXXX XXXX, however, Experian is reporting it also under XXXX with the same duplicate information.
Product: Debt collection

on XXXX XXXX 2014 i maid a contract with XXXX company for lawn service and we agree to cancel contract any time with no penalty for cancellation ( iam sending you copy of contract ) for my house thy promise my in XXXX to XXXX mounts everything will be green. After XXXX mounts my lawn was getting ugly and worstI called to company and spoke with XXXX to cancel contract he told me give us XXXX more chance and i will com to your house personally see WATS going on he never came and thy continue charge and take money from my credit card on i called again and cancel my contract and i told them i am not happy with service and i do n't want to your workers com to my property no one deed not came for service after XXXX and thy continue charging my credit cardI called my credit card company and stop the payments and dispute the charges credit company send them request and no answer from them and refund my money XXXX for the XXXX time services witch i never receivedAfter that thy start abusing me with tel calls and letters and some collection agencies {$180.00}
Product: Credit card or prepaid card

I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$470.00}. I am willing to pay off this account in the full amount of {$2600.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by DISCOVER to XXXX XXXX nor CREDIT WITH XXXX. 
I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.
Product: Money transfer, virtual currency, or money service

I find it utterly perplexing and frustrating that this how Remitly, chooses to respond to a serious complaint - by choosing to side with the scammers and thieves that pose a significant threat to every single one of your users. It's truly a disgrace! 

How can you, in good conscience, provide such a bland and insincere response to a person who has been conned, and then sheepishly hide behind the vagueness of an 'internal information ' wall? Are you insinuating that providing me with all the information necessary to seek justice for the wrong done to me is breaching some sort of privacy code? Let 's get things straight - a scammer does not and should not hold the privilege of privacy when they blatantly infringe on the rights of innocent, hard-working individuals, thereby insinuating that I am at fault, instead of appropriately dealing with the real culprits at hand. Where is your urgency to track down these online predators and bring them to justice? It appears almost as if your company is more interested in washing its hands off the matter rather than actually dealing with the issue at hand. 

Your suggestion that I should contact my financial provider to avoid 'additional scams ' is not only patronising but insufferably dismissive to the gravity of the situation. You mention it casually as you might suggest one to take an umbrella because there's a light drizzle outside. You seem to completely sideline the fact that I have been robbed! 

Transparency and relentless pursuit for justice should be your mandate as an organisation in this crisis, but here you are, negligently putting up barriers. It's clearly evident whose side you're on, and I'm sorry to inform you - it's not the innocent victims '. 

I was expecting more than just a cold, 'final ' response from a reputable institution like yours. Nevertheless, I thank you for showing me the real value you provide to your customers, and where your true loyalties lie- with the scammers and thieves. 

I only requested data of my own account. And under their privacy and protection agreement which states this : Access Your Data & Data Portability You may request that we provide you a copy of your personal data held by us. This information will be provided without undue delay subject to certain exceptions or limitations, including if such provision adversely affects the rights and freedoms of others.