23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Global Holdings LLC tried to deduct funds from my checking account. I don't know who this company is. I don't know what kind of company this is. It claims I set up an account on XX/XX/year>2024.
Product: Vehicle loan or lease

XXXX of 2022 I purchased this vehicle from US Auto Sales of Fayetteville NC for the amount of {$21000.00}, with a monthly payment of {$500.00}. When signing this contract I agree to pay additional fees to have a GAP insurance added to the vehicle. However even though I have been paying for it for over a year, XXXX has come out and stated US Auto Sales never paid towards the premium and that the insurance was never even able to be used. This is a breach of contract. Also a total of 5 times throughout the year of owning this vehicle it was turned off by a pastime device and made it where I was unable to crank my car and would be on hold with them for hours to get it turned back on.
Product: Credit reporting or other personal consumer reports

All of this Inquiries are Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFBNA CARD - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized and I have no recollection of authorizing this inquiry.
Product: Credit card

Credit card company closed the account without my knowledge. 
Called and received no specific reason as to why it was closed. 
Have no ability to pay the credit card bill online and ATMs and Capital One branches. 
The company has conducted derogatory actions on the account before.
Product: Debt collection

I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.
Product: Debt collection

On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. 
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.
Product: Debt collection

I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was Consumer Adjustment Company , Inc. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from XXXX that informs if mailings is being delivered and the Company Consumer Adjustment Company violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. Consumer Adjustment Company , Inc said that I owe XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX no as I have not received such info from the Business. I have done Business with XXXX XXXX in the past and the disputed with XXXX XXXX and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the XXXX major Companies, XXXX, XXXX, and XXXX refuse to delete as Consumer Adjustment Company said the info was correct. 

I emailed Consumer Adjustment Company , Inc on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. Consumer Adjustment Company , Inc fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the 3 major credit bureaus and not handled properly.
Product: Mortgage

I 'm trying to get a copy of a mortgage discharge from XXXX XXXX XXXX that 's out of business. XXXX XXXX XXXX 's parent company, Nations Bank, is owned by Bank of America. I was advised by B of A to contact XXXX at XXXX. This number is voice mail only and after leaving numerous messages over several months they will not call me. The mortgage was taken out by my parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX, Equifax XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Product: Credit reporting, credit repair services, or other personal consumer reports

It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXXXXXX XXXX XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with XXXX on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine XXXX ID theft victims. 
I did more than XXXX calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed.

Account overview Credit Close-UXXXX XXXX XXXX XXXX XXXX Unsecured Loan {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX To : Equifax @ XXXX XXXX XXXX, XXXX GA XXXX To : XXXX @ XXXX XXXX XXXX, XXXX TX XXXX To : XXXX @ XXXX XXXX XXXX, XXXX PA XXXX Account # XXXX & XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX & XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXt Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft, The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank or creditor, any type of item, such as credit accounts, checking accounts, etc. 

Please block this information from my credit report, pursuant to section 605b of the FCRA, and send the required notifications to all furnishers of this information, especially XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

Enclosed are the following : * A copy of my credit report you are reporting ( the fraudulent items are listed above ) * A copy of my identity Theft Report and proof of my identity * A copy of section 605b of the FCRA, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and away your reply. 

Sincerely, XXXX XXXX
Product: Credit reporting

The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.
Product: Student loan

I was steered by XXXX XXXX XXXX to take out student loans through Sallie Mae ( i.e. Navient ) that totaled roughly {$16000.00} at the time I graduated with an XXXX XXXX XXXX in 2007. At that time, I was told that the only work in my field ( XXXX ) that I was qualified for was as an unpaid intern ( at multiple job interviews ). I have never worked in my field of study, and sadly, I never will. Through the next few years I struggled financially, and Sallie Mae was more than happy to grant me a forbearance, never telling me that I could have qualified for income driven repayment that could have saved me alot of money. My current payoff is now over {$33000.00}. I contacted Navient last year and offered to pay off the original debt, but they could not be swayed to forego the ridiculous amout of interest accrued ( and still accruing ). Thank you.
Product: Credit card

{$29.00} late fee charged during XXXX on {$31.00} past due amount! Did not receive paperless billing for XXXX nor did I receive a past due notice during XXXX. XXXX 's website also does not have ability to download statements in PDF to view breakdown of fees and calculations. Can only produce weird XXXX sheet with XXXX lines. Called customer service and fee was removed, but Macy's/Citibank needs to adhere to new late fee caps, provide past due notices, and allow access to statements online.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Product: Payday loan

Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.
Product: Debt collection

Medcredit Choice XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they call all hours of the day told them to stop calling even tried blocking them but yet they get another number keep on calling
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party XXXX XXXX XXXXXXXX XXXX  and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates XXXX XXXX XXXX claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. XXXX XXXX XXXX to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXXXXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC XXXX as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from Goldman Sachs about the closure of my Apple Card account associated with the Apple Id XXXX due what they claimed to be " failure to comply with the terms of the Customer Agreement ''. I called Goldman Sachs about the closure and they confirmed the account was indeed closed. I explained that that there must have been a mistake, as i couldn't have done anything that violated the user agreement. I even reread the Apple Card user agreement and could not find anything that would cause the closure. I then asked what terms in the agreement was violated. They responded that they have no way of telling as the only thing they could see was what was in the closure email. For the last 06 months I've been escalating the issue through Goldman Sachs to figure out why my account was closed. I was told something different by almost every representative. I was told to that my profile was in good standing and should just reapply. I would try to reapply from my Apple ID only to find the application showing an error. Then i was told to just reapply from a different Apple ID. When i applied with a new Apple ID, the application no longer showed as error. After submitting the application, it would sit in a review state for 15+ days before i would receive an email denying my application " due to system error ''. I was then told to wait 30 days, then 90 days, then 180 days. All the representatives telling me that I shouldn't be getting any of the error and my Apple ID is in good standing. Still nobody can tell me what terms were actually violated. On around XX/XX/2023, i received a call from a Goldman Sachs manager stating that they have done a through investigation on why i was having problems reapplying. She said they didn't find anything that could cause this issue on their end. She then states that my Apple ID is actually " Not '' eligible to reapply a the moment despite what every other prior representative have have stated. She then states that she also can't see what terns were violated and to keep randomly applying and the system will decide " when '' or " if '' it will let the application go through and that the matter is now closed. I then asked for a copy my account transcripts to review. She said that she could put in a request but it would be up to Goldman Sachs whether the company want to give it to me. As of XX/XX/2023, i have not heard back from Goldman Sachs about the request.
Product: Checking or savings account

On Monday, XXXX XXXX XXXX, I used the drive thru atm at a Chase bank at XXXX XXXX, XXXX, Texas, XXXX. I tried to withdraw {$900.00} out of my checking account. So I did the normal routine to withdraw, I usually click on no receipt because transactions also reflect on my online account. So while I was waiting for my money to be dispensed a red banner popped up saying there was an error. So I went inside the bank and tried their ATM in there, it told me I had insufficient balance but I never got any money, I got confused so I talked to the teller. The teller checked my case and she told me she just saw a ticket from their ATM machine for an error. So she helped me file a claim. They gave me a temporary credit while theyre investigating so I left. Then the next day XX/XX/, when I checked my account money was gone again. So I called and now a lady told me that she was giving me a provisional credit and also, I asked her about the investigation and she literally told me it was already resolved and I asked her 2 or 3 times to confirm. So I hung up, the next morning, Wednesday XXXX XXXX XXXX when I checked my account the money was still not there so I called up chase again. Then this guy from their claims department started lying to me that the money that they credited me on Monday was not taken out, but as I checked in the morning before calling chase I only got {$60.00} left on my account so it seemed that he was lying to me about the credit not being taken out again just to simply reverse the situation and because I was already really frustrated with the call. And also, the lady I spoke to on Tuesday just lied to me outright telling me that their investigation is already done when it is not. Now Im reaching out to yall because Im afraid to get scammed by my own bank. I know they have security cameras that they can check to really confirm my claim, and theyre just dragging it out. Ive read on the internet that some people dont get their money back even if its not their fault and it needed for them to complain to yall just to fix the problems they caused. So I got anxious that they might deny my claim and tell me that they cant review their cameras anymore because its too long already. Im just trying to be proactive here and get this over with and file a complaint so this can be resolved soon cause this is bringing me a lot of stress. Hope to hear back soon. Thank you.
Product: Credit reporting or other personal consumer reports

Information has been incorrectly reported on my report. Please investigate for fraud. 
Bank of AmericaXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.