23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 at XXXX XXXX and XX/XX/2021 at XXXX I got a phone call from Real Time Resolution. The representative was stating that they are collecting an alleged debt. I never heard of this company. I have been sent multiple items in the mail from this company and I feel harassed. The letters they keep sending are false and misleading.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX : Applied for XXXX loan at XXXX, advertised as 4.49 %. Pre-approved for 9.99 %, representative couldnt explain why I wasnt qualified for 4.49 % as advertised. I cancelled the application. 

XXXX : Spoke to bank manager asked why I didnt qualify for the lowest rate. He explained he didnt know why and I would need to call the loan department. 

XXXX : Contacted the loan department, they said they were unable to explain specifically why I was not qualified for the advertised rate. Escalated to supervisor who restated they couldnt explain exactly why I didnt qualify for the lowest rate. I spoke to a third rep, and another supervisor, all were unable to explain specifically why I wasnt qualified for the lowest rate.
Product: Credit card or prepaid card

XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The Order # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the XXXX driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. 
Below are the tracking details of the return Tracking details XX/XX/XXXXXXXX XXXX picked up the return from my home XX/XX/XXXX XXXXXXXX XXXX.Delivered XXXX, KY, XXXX
Product: Money transfer, virtual currency, or money service

Cash app ( Block, inc. ) failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Money transfer, virtual currency, or money service

Pnc, wont let me link accounts to other apps so I can transfer money
Product: Credit card or prepaid card

I purchased multiple trips from XXXX XXXX and XXXX for United States Veterans. After corresponding with other veterans who also bought trips from this organization that claims to be a not-for-profit, I came to realize that XXXX XXXX is running a Ponzi Scheme and is defrauding XXXX veterans and active duty military by selling retreats and then not providing these trips and then not refunding the money. When I went to Capital One to recover my funds, they refunded XXXX of the money but refuse to refund the remaining {$1000.00}. Of this, {$750.00} is for a trip to XXXX XXXX in XXXX that XXXX has already cancelled after bringing a group of 60 veterans there in XXXX and having a disaster that included no accommodations, no food, and no return airline tickets. I have requested Capital One 10-15 times to reopen my case. I have sent them information over and over. I have sent them messages from XXXX stating that all trips for the rest of this year are cancelled. They refuse to do anything whatsoever to help me, as XXXX challenged the charge before the disastrous trip, and as she was stealing from the veterans she was working with, has gone to ground and can not be found any longer.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I revived a call from Access Receivables Management a couple weeks ago attempting to collect a debt that was sent to them from the XXXX XXXX of XXXX XXXX. I am disputing that debt. The debt collector who called identified himself as having served in the XXXX for 4 years, upon hearing that I was in the XXXX XXXX XXXX. I had told him that I was in the XXXX XXXX XXXX and was using my Post XXXX XXXX XXXX to attend the XXXX XXXX XXXX XXXX. I explained to him that even though I had submitted a certificate of eligibility and was told the VA would pay my tuition, the VA failed to pay my tuition in a timely fashion and I never got my XXXX. 

The debt collector told me that it was wrong for me to use the XXXX to pay living expenses and that I could get in a lot of trouble from the XXXX XXXX for doing that. This was dishonest on his part and an attempt ti scare and intimidate me. This violates the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

bank of america - at XXXX XXXX and XXXX in XXXX XXXX - set me up with a mobile bank account in XX/XX/year>. 
some random clerk with the customer service department closed my online account in less than a week for no legitimate reason. they mailed a check to an address i am no longer living at so i did NOT receive the check. they did not ask for an up-to-date address before mailing the check. i have visited the bank branch several times to ask for a new check to be re-issued and bank of america says i have to wait 60 days before a new check will be sent out why is it 60 days, when obviously i haven't received the check and cashed it?!? 
this situation was handled poorly and carelessly. 
i have no documentation since this was only a " mobile '' account i only wish to be re-issued a check in a week, not to be forced to wait for another XXXX weeks when i have no other income bank of america had no problem taking my money. now they don't want to give it back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed letters to XXXX, Experian and XXXX  disputing numerous items. On XXXX XXXX I received numerous letters from XXXX XXXX XXXX stating the debt and saying if I wanted information substantiating the debts to write a letter which is what the letters were for that I send on XXXX XXXX. None of the debts were validated. As of today, they still have not been validated per my letter. It has been much longer than 30 days. 

XXXX XXXX XXXX, XXXX in the amounts of {$610.00}, {$720.00}, {$930.00}, {$780.00}, {$300.00}, {$630.00}, {$600.00}
Product: Credit reporting

Contacted Equifax to update my balance and credit limit increases for XXXX credit cards. They filed a dispute and ask for proof of billing statements. They asked me to fax them info of this. They completed the dispute and removed credit limit and placed my balance at XXXX. I have contacted both creditors who showed me proof they submitted this information. XXXX XXXX and XXXX happily and easily updated required information however, Equifax refuses to budge not matter what evidence I present to them. They were even able to view reports from other agencies and refused again to do anything about this.
Product: Credit reporting or other personal consumer reports

Equifax continues to allow XXXX XXXX XXXX to report medical debt to my credit report, in which I do not recognize nor did I consent to them accessing my medical information. This coincides with my belief that I have been a victim of the Equifax Data Breach. 

They did not provide the original signed document alleging my consent to this debt, nor did I ever agree to pay this debt to XXXX XXXX XXXX. 

XXXX XXXX RECEIVABLES- Opened XXXX XXXX, XXXX ( {$1100.00} ) XXXX XXXX receivables is a medical debt The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge.
Product: Debt collection

Jefferson Capital Systems is claiming a debt of {$550.00} which was settled directly with XXXX and XXXX XXXX XX/XX/2013 ( Can provide letters and certificate of mailings ). I have writen to Jefferson Capital Systems under the Fair Debt Collection Practices Act, Section 809 ( b ) and they still are telling the Credit Agencies that the debt is valid although they have failed to verify the debt, specifically : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Provide a verification or copy of any judgment ( if applicable ) ; 4. Proof that you are licensed to collect debts in ( insert name of your state )
Product: Vehicle loan or lease

I surrendered my Volvo old lease for a new lease offer with Volvo and after 1 month I have received a bill with an " excess wear & tear '' in tires for {$780.00}. 
Volvo Dealership accepted my old lease after check all the car with no issues the same. They didn't tell me that I have to pay anything ( I think because they wanted to sell the cars : 3 cars, XXXX $ value the same day ). After I signed contract, one month after, I received a bill for excess wear for tires, and they try to charge me premium brand tires ( 3 ). Volvo dealership now says is not his fault, it is a problem of Volvo Car Financial Services, and Volvo Car Financial Services says that the responsibility of not telling me is the Volvo dealership AND THAT THE DEALERSHIP IS NOT AN AGENT OF VCFS SO WHAT THEY SAY IS NOT VALID FOR THEM ( but the lease contract is signed by the dealership ). 
Customer service is awful, after 3 complaining letters they don't answer any questions nor justify charges or honor their promises ( VOLVO promises, for me, dealership, volvo brand, and volvo car financial services are the same )
Product: Debt collection

A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my personal information updated to show the correct address where I can be reached. I sent both written requests as well as called XXXX and Equifax to have this issue corrected and both credit bureaus are still reporting outdated addresses on my credit reports. 

Please see attachments of my current request as well as a copy of the written requests that I sent previously via USPS certified mail.
Product: Checking or savings account

I signed up for an HSBC premier checking account in XXXX in order to get the advertised 3 % bonus on my direct deposits for up to 120 $ a month. In the terms and conditions at the time I did not see anything about there being a XXXX $ monthly deposit requirement in order to receive the bonus. I even called in to double check the requirements and the rep on the phone never mentioned the XXXX $ / month requirement. 

I think this offer is extremely deceiving because if you do the math ... 

You have to deposit XXXX / mo to get the bonus You can only get MAX XXXX / mo bonus XXXX = 2.4 % bonus NOT the advertised 3 % This is false advertisement plain and simple. The XXXX $ requirement was not listed on the offer when I signed up. Furthermore I never got a letter or any email confirming the terms and conditions. 

3 % of XXXX ( which is what I've been depositing ) is XXXX $ a month. The way this offer is set up is deceptive plain and simple. 

Please call me to discuss this issue Thanks
Product: Credit reporting or other personal consumer reports

I sent in a fraud affidavit along with a police report to get information blocked due to the equifax data breach and identity theft, but my affidavit was ignored by all three credit bureaus. Ive got the proof that the information was sent. They are violating section 605b of the credit reporting act.
Product: Credit reporting or other personal consumer reports

I was a customer with Lexington Law and I was not aware of the lawsuit that was against them to refund my money for the money that was taken out for them to repair my credit.
Product: Debt collection

On XX/XX/2020, I received a Collection letter from AIC - XXXX XXXX XXXX XXXX demanding payment for {$260.00} for an overdue XXXX payment. I have never had an XXXX  account and the demand is fraudulent. After researching the company I've found that they have been sending these fraudulent XXXX demand letters to many seniors in the state of california and throughout the US. This demand letter was sent to my 2nd address at XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX Ca. XXXX ) where I recently ordered contact lenses on line - so the personal info is probably shared from another consumer site. I have reported this to XXXX  ( on line ), to the Federal Trade Commission Fraud division and to the Atty General in the state of California. There are several complaints of fraudulent attempts to collect money by this company on the ebay site but ebay has not addressed the issue. I would like this company to be fined, prosecuted to the fullest extent of the law and prohibited from sending fraudulent demand letters. They also have a Pennsylvania address at : XXXX XXXX XXXX, XXXX XXXX XXXX, but no web presence.
Product: Debt collection

XXXX XXXX is claiming that I owed a month of internet service plus equipment ( router/modem ) which this one was returned to a XXXX facility as instructed by them, the month of service is not accurate since I called to canceled and they still bill me for an extra month. 
Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, LEXIS NEXIS and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX  and XXXX uses LEXIS NEXIS to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my LEXIS NEXIS file has been frozen since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against SYNCHRONY BANK for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, XXXX XXXX XXXX XXXX in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : SYNCHRONY BANK disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, SYNCHRONY BANK misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : SYNCHRONY BANK failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold SYNCHRONY BANK and XXXX XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.