23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am unable to get a duplicate title for my vehicle. As per New jersey XXXX, there still exists a lien. The lienholder seems to be out of business. I have attached documents showing address.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX or XX/XX/XXXX I paid {$100.00} on my line of credit at PNC bank by transferring it from my PNC checking account through their on-line system. My overdraft shows a payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I check came through my checking account that resulted in an overdraft of approx. {$13.00}. I was then charged an overdraft fee of {$36.00} even though I had made a interbank transfer of funds and it was received 2 days before the overdraft occurred. I believe that this violated both the fund availability policy which allows both cash ( available immediately ) and the first {$200.00} of a deposit to be available the next business day ( so XX/XX/XXXX ). In addition, this action further violated 12 CFR 205.
Product: Prepaid card

Purchased prepaid XXXX card in the amount of {$XXXX} from local grocery store on XX/XX/year>. Immediately visited XXXX and set a new PIN for the card. I then tried to use the card to make an online bill payment to my local water and electric utility company. I have made online payments to this entity ( EWEB ) using their online site and OTHER prepaid cards for years without issue. Payment using this XXXX XXXX XXXX XXXX was declined. I then tried a second time for a lesser amount, which was also declined. I then tried to pay a XXXX XXXX insurance bill, which was declined. I also tried to use the card to pay an XXXX XXXX bill, which was also declined ( note : that transaction doesn't show up on the XXXX website, but I am including a screenshot of the actual declined transaction notification ). And finally, today, I tried to make an in-person transaction at my local grocery store, which was declined ( 3 times, which included a supervisor at the checkout trying to get it to work ). As of now, this company has {$XXXX} of my money, and I am unable to use the card anywhere I have tried. The company 's ability to effectively float my {$XXXX}, apparently indefinitely, is untenable.
Product: Checking or savings account

This complaint is filed against Commerce Bank located at XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX. 
I mailed my estimated tax check to the IRS dated XX/XX/year> using a blue mailbox outside the post office. The check was stolen and the payee information changed on the check originally made out to the IRS changed to payee XXXX XXXX and electronic deposited into a XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I discovered the stolen check on XX/XX/XXXX and reported it to an assistant bank XXXX XXXX XXXX that day who filled out the affidavit paperwork. XXXX XXXX indicated the funds would be returned to my account taking about XXXX weeks. I did file a police report as well as a report with the XXXX XXXX both agencies stated it was up to Commerce Bank to retrieve the funds. At 30 days with no contact from my Commerce Bank I inquired the status. At that time I was told a wrong box was checked on the form and needed to be resubmitted ... .indicating the form was not looked at for 30 days. The branch XXXX XXXX XXXX became my XXXX  and I would check in every 30 days or so and was told the fraud division was emailed to check status but no feedback or updates, XXXX XXXX indicating some fraud checks were taking even up to 120 days to process. At 120 days I asked XXXX XXXX to have another XXXX contact me for an update to resolve or at least give feedback. I got a phone call from XXXX XXXX around XX/XX/XXXX. She offered not much of an update only that Commerce bank had submitted the paperwork to XXXX to get the funds returned and that I should try contacting XXXX XXXX, which I did and they stated I needed to follow up with Commerce. I emailed XXXX XXXX and received an auto reply she was on maternity leave and to contact XXXX XXXX. I emailed XXXX XXXX as the XXXX switchboard would not connect me via phone. I got no response to that email. I sent a follow up email XX/XX/XXXX to XXXX XXXX and received an auto response out of the office until XX/XX/XXXX. Currently I'm at over XXXX  days waiting to be reimbursed {$5000.00} for the funds fraudulently taken out of my Commerce Bank checking account. Please help with assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, Highest Balance {$75000.00} )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 XXXX  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I was contacted on XX/XX/year> at XXXX XXXX  by the phone number XXXX ( Midland Credit Management ) by a female. As she was informing me about my debt, and asked about payment I told her that I have not worked since early XXXX as I was XXXX  and have not been able to find employment recently since my daughter is now XXXX  months old. She said she was turning the conversation over to her manager, who was listening in on this call the entire time as I was not informed he was also on the line. I explained the situation to him, and he verbally attacked me saying he didnt think I was willing to work with them to pay my debt. I explained to him I am willing I just need to get back to work. He got an attitude with me by saying thats not what I said now was it because he did not like how I called him out for how he was speaking to me. They said if I didnt make a payment by the end of the month that they were going to report to my credit and kept using that as a tool against me if you will. They kept saying luckily, we have not reported to your credit yet. I have high XXXX  issues and XXXX  XXXX, the way this company treated me has made me XXXX  and afraid to answer the phone when they call. They are intimidating. I have XXXX witnesses to all of this as the call was on speaker phone.
Product: Credit reporting or other personal consumer reports

This company has violated my consumer rights and has reported inaccurate information on my credit report which includes late payments, and the same duplicate account with different loan balances when the total amount of my student loans are assigned to 1 account with the same account number. This account should be reported as ok on-time payments as 1 account withe the total loan balance.

These are the following consumer laws I know they are violating for sure : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ) FCRA 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) ( Exclusions from Consumer Reports ) Truth in Lending Act ( TILA ), 15 U.S.C. 1601 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n I attached a copy of the full complaint letter, monthly statements and other correspondence letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND MY XXXX REPORT DELETED MY BANKRUPTCY AFTER DOING A FULL INVESTIGATION, I KNOW THE CREDIT BUREAS ARE SUPPOSED TO LET TRANSUNION AND XXXX KNOW THAT THEY DID A FULL INVESTIGATION AND XXXX AND XXXX BOTH DELETED THE BANKRUPCY.TRANSUNION ARE THE ONLY BUREA THAT DIDNT DELETE THIS BANKRUPTCY SHOWING THEY DIDNT DO A FULL AND ACCURATE INVESTIGATION I DEMAND TRANSUNION DELETE THE BANKRUPTCY IMMEDIATELY. 

XXXX XXXX XXXX XX/XX/2018 REF # XXXX DISMISSED CLOSING DATE XX/XX/2018, XXXX LIABILITY. 

XXXX XXXX XXXXXXXX XX/XX/2018 REF # XXXX DISMISSED CLOSING DATE XX/XX/2018. 

DELETED IMMEDIATELY. 

XXXX XXXX XXXX
Product: Debt collection

I received a notice to appear in court and I filled out a paperwork showing that I could not afford to repay. They then told me because I owed more than my income that they were not going to force me to repay but I said that I would agree to pay something XXXX monthly as long as they did n't report to credit reporting agencies. They told me that they do not report to any reporting agencies so I voluntarily agreed to pay such amount. One year later I notice that the collection agency as reporting payments as a collection so I called them on phone and they denied reporting and that they did not know who was. So I do n't know how to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 


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

15 U.S.C 1681 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & CONTRACT CALLERS INC. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your  company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Checking or savings account

Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud. 

On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX  = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Product: Debt collection

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

on XX/XX/XXXX I accidentally made a payment to a FORMER mortgage company. I recognized the mistake and wanted to cancel online, but was not given the option. I called Chase the very next day, while the payment was still " in process '' and asked them not to send. They said they wouldn't, yet did anyway a few hours later. The bank that it was sent to does not exist ( they were bought in XXXX by XXXX, then XXXX  was bought in XXXX by XXXX ). Chase refuses to show me proof that someone cashed it, and keep telling me to contact the merchant that it was sent to though the merchant DOESN'T exist. They won't provide me with a routing number ( they said it's auto generated and XXXX  out ). I have also asked for proof that it was accepted, which they also will not provide. It is for {$2500.00} and they refuse to refund and continually tell me to contact the merchant it was sent to.
Product: Money transfer, virtual currency, or money service

i have contacted Robinhood via email, social media and phone to no avail. They continue to keep my nearly {$2300.00} in my account and are refusing to allow me to w/d my money. they keep coming up with 100 % false emails and lies that claim I said there was fraudulent activity on my account. I NEVER said that. In fact, the only fraud actually is on part of Robinhood who continues to pretend to be doing something about this issue by emailing once in a while that they will get back to me but never do. 

Robinhood has and continues to commit theft, conversion and fraud by misrepresenting its practices and procedures regarding funds withdrawal. Further, their clear lack of policy and procedure for handling issues they can not even identify ( i still do not know why my account is " frozen '' ) is a clear indication that everything they represent and warrant in their solicitating my business, disclosures, etc. is COMPLETELY FALSE. 

They have take NO ACTUAL OR REASONABLE steps to address my 30 plus emails. Under false pretenses, they pretend to be looking into the matter and in fact its HIGHLY PROBABLE that they are not. 

My next steps will be to contact the SEC, the Illinois department of financial and professional regulation to ensure that XXXX is held accountable but more importantly - its workers who i am sure are all licensed in some form or fashion are disciplined and/or lose their licenses.
Product: Credit card or prepaid card

I was issued a Bank of America ( BOA ) credit card and I never applied for it. Now BOA has sent me a {$95.00} bill for card services. I tried to contact them via phone and was told that they can't access my account without my social security number or the email used to create the account. I'm not giving BOA my SSN under these circumstances and I can't provide them with an email account I never used to sign up with. I was told on the phone to go to a branch office. When I showed up to the bank they told me that it was only a teller bank and I would have to go to another bank that is 30 miles away. I feel at this point that someone at BOA created this account without my permission.
Product: Checking or savings account

Chase closed my account on XX/XX/XXXX. Ive called them multiple times and every time they say should finish the final find release in 10 days. Right now its been over a month and still havent received my check. The only thing I received is a summary of the account, which was on XX/XX/XXXX, and the last statement is the check is made and the account funds turned to XXXX. 

I even went to the bank to ask when will the check be mailed and they say they have no idea about the process. Everything seems to be hidden and dont know whats going on.
Product: Student loan

On XX/XX/2020 I contacted Nelnet - U.S. Department of Education via their email, XXXX requesting their assistance for my on-line account that is in the three year monitoring for XXXX to discharge my daughter 's student ( university of XXXX ) loans that I took out as PLUS loans. 

Nelnet is not providing me with full on-line access to my account. I provided Nelnet with a video link XXXX XXXX XXXXXXXX which is accessible and readable and proves that there is NO information when I log onto my Nelnet on-line account. There is only a " Home '' and " Change Password '' button. There is NO account information including but not limited to my name, address, account number, documents filed on account, approvals for annual monitoring, function to upload documents is not available/not there, status of account, etc. When you look at the video link XXXX XXXX   XXXX of my account, where I log on to my Nelnet account, there is NO identifying information there that even suggests that I have an account with Nelnet. 

I tried to work with Nelnet and they refuse to provide me with full on-line access to my account. Further, Nelnet is not responding to me in accordance with my legal name that was on the student PLUS loan documents as XXXX XXXX XXXX. I object to Nelnet not responding to me in my full legal XXXX name of either XXXX XXXX XXXX or XXXX XXXX XXXX. 

I am attaching the seven page email correspondence between Nelnet and me, XXXX XXXX XXXX from XX/XX/2020 through XX/XX/2020 to show that I have tried to work with Nelnet regarding the on-line account issue and Nelnet refuses to view the XXXX video and  continues to ignore the fact that I am unable to " see '' any information on the log in of my account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( **15 U.S.C. 1681** ), I am entitled to accurate and verifiable information on my credit report. The following items appear on my report in error and require immediate investigation and resolution. 

# # # **Accounts to Be Investigated** XXXX. XXXX XXXX XXXX XXXX XXXX Number : ** XXXX - Issue : This account does not belong to me. Please verify its accuracy. 

XXXX. XXXX - XXXX XXXX : ** XXXX - Issue : I do not recognize this account. 

XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : ** XXXX - Issue : This account is inaccurate and should be removed. 

XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ** - **Account Number : ** XXXX - Issue : This account is incorrect and requires verification. 

XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX **Account Number : ** XXXX - Issue : I do not recognize or authorize this account. 

XXXX. XXXX XXXX XXXX XXXXAccount Numbers : ** XXXX, XXXX ( duplicate entries ) - Issue : Duplicate entries for the same account must be corrected. 

XXXX. XXXX - XXXX XXXX : ** XXXX - XXXX : This account is unauthorized. 

XXXX. XXXX XXXX - XXXX XXXX : ** XXXX - XXXX : This account appears incorrectly on my report. 

XXXX XXXX XXXX XXXXUnauthorized Inquiries to Be Investigated** XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Type : Other Collection Agencies- Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Type : Bank Credit XXXX XXXX XXXX : XX/XX/XXXX **Action Requested : ** I request that you : XXXX. **Investigate** these accounts and inquiries for accuracy and validity under **15 U.S.C. 1681i ( a ) **.

2. **Remove** any unverifiable or inaccurate information from my credit report. 
XXXX. Provide a detailed response outlining your findings, including documentation to verify the disputed information. 

I have attached copies of my credit report with the disputed items highlighted, as well as proof of identity ( e.g., government-issued ID and Social Security card ).

# # # **Legal Rights Reminder** Under **15 U.S.C. 1681i**, you are required to complete your investigation and respond within **30 days** of receiving this dispute. Additionally, under **15 U.S.C. 1681e ( b ) **, you are obligated to ensure the maximum possible accuracy of the information in my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates in writing. 

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

The Chapter XXXX Bankruptcy public record was removed by Experian in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have 2 accounts that still show the " included in Chapter XXXX bankruptcy '' remark, which I've now disputed over 12 times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the XXXX XXXX or XXXX XXXX XXXX CO accounts . Each company has allegedly verified the information as accurate, which it is not!