23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX, I was contacted at my place of employment by a person calling himself " XXXX. '' He said he was a processing agent and had legal paper to serve me at my workplace and papers to give to my HR department to start garnishing my wages. He advised me to contact XXXX XXXX XXXX at XXXX to stop the process of serving me. He would not give me a callback number or tell me what company he worked for. The called id was UNKNOWN. He called may office phone several times in a row and also spoke to our receptionist and left a message with her. I contacted AMP and then was told it was Asset Mediation Partners and the I had taken out a payday loan with XXXX XXXX XXXX in XXXX XXXX and had defaulted on said loan which is fraud and theft by deception. He said I could only pay the {$1400.00} by credit, debit, or PREPAID card. I asked for a debt verification letter which was emailed to me. I then called XXXX XXXX XXXX to verify that I had an outstanding debt with them. They informed me that I do not and never had. Their records do not match my name, address, or social security number. I called Asset Mediation Partners back and told them the debt could not be verified. The person then advised me to call XXXX XXXX XXXX to verify their records. I told him I already had and the debt could not be verified and I did not owe it. I asked him to send me a copy of the papers I was to be served with and he told me he had no idea what those papers contained. He claimed the " location service '' has the paperwork and he is not familiar with what would be in them in the State of Ohio. I asked him what paperwork would be given to my employer in order to garnish my wages and again he could not answer the question. He then advised me to call XXXX XXXX XXXX 's corporate office, which I already had, in the morning and then call him back. The debt does not belong to me. I did email back a letter to advise them to not contact me at my home or place of employment anymore and that I am filing a claim with the CFPB. I also looked up their website athttp : //www.assetmediationpartners.com and the phone number they list on their website is not a working phone number.
Product: Credit card or prepaid card

Hi Sir/ Madam ; My name is XXXX XXXX XXXX This is regarding to my Discover card # XXXX XXXX XXXX XXXX. I moved from XXXX, XXXX to XXXX XXXX, XXXX in the end of XX/XX/XXXX. For the move, I requested 3 different services of XXXX XXXX XXXX on XXXX XXXX XXXX website but I had to cancelled them all because the mover couldn't provide the service that I needed. Those services were : - 1st service # XXXX ( for service date XX/XX/XXXX but I cancelled ). 
- 2nd service # XXXX ( for service date XX/XX/XXXX but I cancelled ). 
- 3rd service # XXXX ( for service date XX/XX/XXXX but I cancelled. I forgot to screenshot XXXX XXXX XXXX website for this service but I did with the confirmation email sent to me by XXXX XXXX ). 
Even though I successfully cancelled all 3 services ( see attached files ) but I was only refunded for 2 services. When I found out about the issue, I filed a dispute with Discover and they gave me a temporary credit back to my Discover card. I thought it could be easily resolved the issue due to I already provided the prove of service cancellation, but however, it posted back to my account after a few weeks. I then contacted Discover again, provided the prove again, and was given a temporary credit again. After about 3-4 weeks, the charge posted on my account for the 3rd time. 
I spoke with Discover billing department representative on XX/XX/XXXX at XXXX PM XXXX. She advised that I should find another resource for help with the issue or contact the mover. She said that I need to prove that the refund came back to my Discover card ending with number XXXX. She added that Discover has to report about this matter to credit companies. I asked her why Discover doesn't protect me while I am their customer. She said Discover have been exhausted all of its resources. 
After that, I called XXXX XXXX XXXX from XXXX XXXX XXXX at phone number XXXX on XX/XX/XXXX at XXXX PM XXXX and I was informed that all services show cancelled on their end. XXXX also advised me to contact XXXX XXXX for further support. I right away went on XXXX XXXX XXXX website and sent them an email asking for help but I didn't receive any response or even a receipt of my email. I emailed them to both of their addresses : XXXX ; XXXX. My email to XXXX bounced back. 
I'm very disappointed that Discover doesn't protect me and the answer of billing department representative gave me was unacceptable. I don't know how to resolve this issue and she was like " you are on your own, I don't know what resource you can find to deal with this problem ''. 

Please help me! It's very unfair that I have to pay for the service that I didn't use. The amount was {$200.00} and because I just paid off my card so this is the whole balance of the card now. Please note, I was never late even once in terms of any payments in my life. 

Thank you in advance for your help and I'm looking forward to receiving your response. 

Regards, XXXX XXXX XXXX # XXXX Email : XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis does not gove the ability to give me a free report, i need to send a form, i can not call them, we have spoken previously and she remembered my name? That is so wierd. I just need my report. Because i need to see what is on there and who, why, where, when and how certain companies can reserve the right to exclude informatio. To XXXX, XXXX, and XXXX, i dont have stamp money. I dont have money for a fax, and if i call and she remember me, i will be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a debt to a utility company. They list the dates in XXXX of XXXX for XXXX utility board. I haven't lived in XXXX since XXXX, therefore this date is inaccurate as I haven't lived there for 4 years. Furthermore, it was for an account tied to an apartment that I moved out of in XXXX of XXXX. XXXX utility board reported the account delinquent as of XX/XX/XXXX when the account was already out of my name. No one has provided any proof of the validity of the debt and I've asked for this to be removed as it is negatively affecting my credit and it isn't a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was just damaged by 109 points because Santander Consumer is falsely reporting amounts! This keeps getting worse with this company, they now say I owe {$200000.00} on a {$20000.00} auto loan that is in arbitration as I file this complaint. This company has been the bane of my existence. Now they are filing false claims about me to hurt my credit right after I have filed to put them in arbitration.
Product: Checking or savings account

Received a collection statement for a Navy Federal Credit union bank account that was opened and maintained for a few years ; The account was a student/ parent account that my veteran father sponsored for us, my daughter lost her card, we reported this to the Navy Federal credit union XXXX XXXX XXXX base to an actual bank representative, she apparently did nothing, we also filed a identity theft report with the FTC and XXXX identity theft services, for paid XXXX XXXX XXXX XXXX this period, services were denied, XXXX XXXX did nothing to assist recovery of our identities ; Very disappointed at the response time of regulators, or other " officials under color of law '' who did not assist in " equal protections '' by the [ " XXXX XXXX of the United States XXXX ( XXXX ) '' ]. My family and I have suffered financial losses, as well as loss of use of our accounts, interference of our private endeavors of financial procurement. 
The time in which this matter was already reported on a factual, physical knowledge of unethical standards never seen before, threats of arrest were made to us, and no person of authority to assist in the redress of such intimidating circumstances.
Product: Credit reporting or other personal consumer reports

Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from XXXX were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ML Zager keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX  which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have filled the complaint XXXX with CFPB, but I have not received an email confirmation nor I am able to locate it on my complaints profile. I have called ( XXXX ) XXXX yesterday and I was advised to file it once again. 

I still have incorrect information on my credit report, after the second letter mailed disputing with the credit reporting agency. I have warned the agency that I had given them the 30 days to the information be updated, and therefore, the letter served as formal notice that they had failed to respond in a timely manner to my original dispute. 

I've made a final goodwill attempt to have this matter cleared up, but again they have failed to so once again. Attached you will find the latest letter sent to them. 

This is a big issue for me as any and all inaccurate and/or outdated information must be deleted immediately from credit report. I have also requested that if the items were validated that they should present the response accordingly to Section 609 ( a ) ( 1 ) ( A ) - they are required by federal law to verify, through the physical verification of the original signed consumer contract. On top of the physical validation, I've asked them for proof by providing who validated the information and how the validation occurred. I need names, addresses and telephone numbers of individuals Experian contacted during the investigation along with the form SSA-89 to certify they have a signed authorization for the Social Security Administration to release Social Security Number verification accordingly with 18 U.S. Code 1028. 

Again, I not only didn't get all of my requested, but the credit reporting agency disregarded my demand to send information through regular mail. The response I've got was sent to me by an email on XX/XX/2023. 

15 U.S Code 1681b requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information of the consumer. 

It is illegal to retain or report inaccurate, misleading, or unproven information, especially considering a composed consumer complaint notifying Experian of said issues. 

Besides, There are no notifications of items being disputed on the current credit report ; 15 U.S. Code 1681 Section 602 A states I have the right to privacy ; and 15 U.S. Code 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Citi card continues to claim I was XXXX  days late in making payments clearly wrong by the check for {$1000.00}. Payments continued to be made to them until it was paid off in XXXX. In XXXX I overpaid and had to be refunded. The documents show it was no more than XXXX days late and there was never any charge off. Payments were also made before claimed charge off. Information is wrong and negatively impacting my credit score. I have attempted to have this corrected, but they refuse to admit there error going as far as to say XXXX  days to process my payments in some instances was okay and normal which never occurred prior to these issues. No credit card company takes XXXX  days to process payments. Thats negligent and than to punish me for it and claim I paid late and account went into a charge off is outrageous mishandling of funds.
Product: Credit card

Despite the fact that Fidelity XXXX is promoting a credit cards on their website, the product is unavailable. The website sends you from one page to another but never the actual application page. I called their customer service number and was told I could not apply over the phone ; only online and that it was a known issue that the website never works.
Product: Money transfer, virtual currency, or money service

I spoke with a Venmo agent about getting my direct deposit sent to my moms Venmo and the agent ensured me that it was ok. 2 days after the money hit the account the account was frozen and permanently deleted and my funds are being held for up to 180 days. This isn't a small amount of money, its {$3400.00}!
Product: Credit card or prepaid card

XXXX XXXX is withholding consumers bank account and routing numbers for XXXX and XXXX persons receiving SSA. After even speaking to a Supervisor to try and get access to my account or change my direct deposit to another bank. They refused to provide that information to try and make it impossible to change my funds to a different and Legal institution. They have the worst customer service and are committing financial fruad. This company should be shut down and sued for it's illegal business practices.
Product: Debt collection

XXXX XX/XX/22 They called my daughter in law XXXX XXXX maiden name XXXX She conference me in the call. I adv her I am debt collecter as well she did not mm me adv me of the amount owed. Never gave her name or the company works for. I asked several times she finally told me it XXXX XXXX with Amsher collections. She told me I was very rude and that it did not matter XXXX was XXXX at the time of the debt. I adv her she was a minor. This the second time this company has been informed not to call her and to contact XXXX actual parents on this, she not liable. She told me good luck with filing a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company numerous times in 2021 about this charge on my account. I was quoted a different price for a pay off. The manager then started cursing and yelling after I was upset about being told misinformation. They keep reporting my information but I also had insurance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

In XXXX 2015 we closed on our new home. The mortgage was with XXXX XXXX. The first payment was n't due until XXXX XXXX of 2015. Between XXXX XXXX and XXXX XXXX we got notice from both XXXX XXXX and U.S. Bank that our loan was sold to U.S. Bank. From U.S. Bank we received our servicing transfer notice with the account number on it, but no follow-up paperwork or billing information. XX/XX/XXXX I got concerned about getting a late fee ( not knowing if a mortgage transfer keeps you with the same monthly amount to pay ), with the account number from the servicing transfer notice I opened an online account to try to pay the bill. I was unable to make a payment because the site said that we did n't have a statement. We called the bank to inquire about paperwork/billing information and we were told that a statement was on it 's way and we could do the payment over the phone-which we did. The following months we receive our bills we still have yet to receive any paperwork with details about the loan. 
One month we were accidentally late on our payment because there were XXXX deaths in our family. We tried to pay online, but had a fee that was n't there before ( we had no notice of any fees with online payments ), my husband called that night to pay online and the fee had jumped from {$3.00} to {$5.00}, I logged back onto the internet the next day and the fee had jumped from {$5.00} to {$11.00}. I wrote a note saying that I would no longer pay online or over the phone any more if there were fees. We were told it was because of the lateness of the payment and how late it was. OK, understandable ( we WERE late after all ), wish we had some documentation explaining this fee scale. 
XXXX XXXX I make a payment online. XXXX XXXX I receive a letter saying that my funds have been returned due to 'no account. ' Not sure what this means but now we have accrued a {$20.00} fee because this was sent by snail mail and nobody notified us by email or phone call even though that information is available in the account. I 'm assuming this was a mistype on our part when typing our bank information into the system. I got a, email receipt that said that payment was made-so I did n't follow up to double-check. It took 8 days for them to figure out that something was wrong and it took another 7 days for us to find out about it. I do not feel that we have been treated fairly by this bank and when I ask for explanation or help they suggest a call to customer service where we have to explain our situation repeatedly and get no help on the matter. Not even any explanation. I want written documentation about the fees and all fees and late payment information forgiven. 
Our last mortgage with XXXX XXXX was for over 10 years with no problems. It makes me feel like the problems with this account is not us. 
Any help is appreciated. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I am renting a home in XXXX. I have a friend locally who went to see the home in person and we decided to move forward with the rental. I had to submit a payment to secure the unit - either cash could be given in person ( I send money to my friend to give to them ) or we could try digitally. We decided to send the payment with Paypal to minimize stress for my friend who was local. On the payment confirmation page Paypal said that I was sending, paying and the recipient would " get '' $ XXXX on XX/XX/2022. 

The recipient confirmed that he did see the payment coming through but there was a significant commission charged by Paypal of over 5 %. Ultimately he was charged XXXX to receive the funds although Paypal 's website very clearly states that the same amount would be paid, sent, and got - for the receiver that was not the case and I am personally responsible for making up the difference. Once the transaction took place it was too late to cancel it. I called to ask if a one-time exception could be made to cover the fees so that the payment would be as it was presented on the confirmation page. They let me know there was nothing they could do to help- they said there isn't an internal team that reviews for UDAAP complaints but they could submit the call for review of potential regulatory violations. I asked what they follow up from that team would be, the manager ( who was supposed to the highest level on the phone ) stated he didn't think there would be customer follow up, but was unsure and didn't have a resource to address to gain clarity. Had I known that the seller would not get or receive the amount I was sending in full I would have chosen a different method to send the funds over to him. I now have to pay additional fees to send the money charged as a fee for the initial transaction. Frustrated feels like an understatement. The only thing DID specify as a reason the recipient may receive less was foreign taxes - however, there was no tax charged, solely a fee from PayPal.. I find the language used on their site to be deceptive and unfair. As a consumer, I've essentially paid Paypal to send money and I'll be in a scenario where I'll have to figure out how to pay my landlord while potentially incurring additional fees as I do it. Had the language and fee breakdown been properly explained I would have not used the service. For me, $ XXXX isn't going to absolutely destroy me, but for someone else it may. My issue is that it is extremely deceptive and pretty unfair to advertise that a recipient is receiving an amount Paypal knew at the time I was initiating the transaction that they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.