23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firm : Gamache & Myers, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months.

They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on  XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. 

Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time.

I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month.  Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.
Product: Credit card

U.S. Bank offered a Visa card that included a bonus cash back on XXXX XXXX insurance policies. I have a credit score over XXXX. I own my home and vehicle outright. I have no missed payments. I have over {$100000.00} in checking and Savings. I have over {$100000.00} in CDs. I co-signed a {$40000.00} vehicle loan for my grandson with no missed payments. My application was denied. I think it may because of my age. I am XXXX years old and in reasonably good health. I received the offer from them in the mail. I have two other credit cards with no delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX
Product: Mortgage

Our property tax bill was not paid by Santander even though we escrow our taxes and have more than ample funds in our account to pay the taxes. We are now faced with interest, penalties and a lien on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REATTACHED THE FTC AND ADDITIONAL DOCUMENT TO SUPPORT MY DISPUTE ON ACOUNTS XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT SHOULD BE REMOVED ON MY REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. A PERSONAL LOAN OPENED WITH POSSIBLE FINE ON XX/XX/XXXX balance {$490.00} ( I DO NOT HAVE ACCESS TO THE XXXX. NUMBER ) AUTO LOAN OPENED WITH XXXX XXXX XXXX OPENED ON XX/XX/XXXX ( XXXX # XXXX ) BALANCE {$20000.00}. XXXX XXXX  ACCOUNT OPENED WITH XXXX XXXX XXXX XXXX ( XXXX # XXXX ) OPENED ON XX/XX/XXXX BALANCE {$4600.00}. IN ADDITION XXXX HARD INQUIRIES XXXXXXXX XXXX XXXX  REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX REPORTED ON XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX REPORTED ON XX/XX/XXXX AND XXXX XXXX REPORTED ON XX/XX/XXXX., These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

1. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

2. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA. 

XXXX. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, Experian, XXXX, and XXXX. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

4. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation. 

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Further more, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complied with federal law and provides consumers with the necessary proof of investigation. 
XXXX Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as XXXX XXXX are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, XXXX  XXXX is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and Experian. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Product: Checking or savings account

On XX/XX/2022 Wells Fargo authorized an illegal ATM withdrawal of {$700.00} from my bank account at XXXX XXXX XXXX XXXX MD XXXX, rendering my account balance at {$1700.00}. I didn't leave out my home on XX/XX/2022 to make the transaction. I also don't have an active on-line banking service. It wasn't until I visited the XXXX ATM branch on XX/XX/2022 that I discovered the illegal withdrawal from my account. I visited the on-site banker staff person to report my complaint. The female banker did contact the Wells Fargo customer services department to report and initiate the complaint. The female banker, who was very shallow in her dialogue, exchanged agent query with me, while confirming the withdrawal was transacted at the ATM closest to the front door. The female banker confirmed the claim processed as requested. The claim # is XXXX. My ATM card was closed out and a new ATM card was requested. I did receive the new ATM card via USPS. I later received a response from the Claims Assistance Center ATM/Debit Card Claims XXXX XXXX XXXX XXXX, NC XXXX XXXX the form of a letter, dated XX/XX/2022. The letter stated : We have completed our research of your inquiry about charges of {$700.00} on your account above. Based on the information available to us, and because the transactions were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Please consider your claim closed. If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making decision, please call us at XXXX. I contacted the claims center on XX/XX/2022 for clarification and advice, but unfortunately the agent just parroted the response letter 's content. I called back a second time on XX/XX/2022 to request the documents used to make their decision to be sent to my home address for future references and proceedings. Nobody 's money is safe, if the bank can just say, " Oh you did it, because someone used your card and PIN ''. I felt vilified for being an apparent identity theft victim. The dispute process was very generic and non-invasive. " I'm the victim of a bank robbery, by a bank ''.
Product: Checking or savings account

I opened a Santander checking account with their {$220.00} bonus offer  (  promotion code  XXXX  ). I met the direct deposit requirements and have not received my promotional bonus.
Product: Checking or savings account

I have many fees charged on my account. I paid because the bank is not responsible. It was free of charge but I had to pay a lot of fees of {$35.00} USD to be able to use my account. I've complained many times and to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/2019 Balance {$0.00} still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Opened XX/XX/2019 Balance {$0.00} ;
Product: Debt collection

I had a navy federal credit Union account from XX/XX/XXXX to approximately XX/XX/XXXX. They would regularly contact mycommand anytime I was past due and prevent me from accessing my account online. I saw they were ordered to pay reparations for these actions and am trying to file this complaint to receive mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX7 has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I sent a letter disputing many inquiries on my credit report to Transunion XX/XX/XXXX. I never received a response. I then sent a follow up letter in XX/XX/XXXX to inform them it was greater then the 30 days and that the inquiries never were investigated and therefor needed to be removed. I spoke with them XX/XX/XXXX and they advised they do n't have to investigate the injuries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at around XXXX XXXX, I attempted to transfer {$50.00} from my bank account to my account at Binance.us. The transfer showed up on their site as pending for about 20 minutes and finally resulted in a status of Failed. However, the {$50.00} was put on hold at my bank account. I figured this was due to the attempted transaction and the hold would be released after 24 hours. However, the next day the transaction completed and the {$50.00} left my bank account. The {$50.00} never appeared in my Binance.us account and the transaction still shows as failed. 

I submitted a support ticket on their website to ask them to address this issue on XX/XX/XXXX. They have not responded to my support ticket.
Product: Vehicle loan or lease

I got a car loan from Fifth Third Bank. It was to finance and purchase a car that my sister had leased. The leasing company applied and found the loan for me, I agreed to the loan, they sent me documents which arrived late, I signed and returned them. 

I was told by the leasing company that I would have a XXXX - XXXX month grace period from the date I signed the loan to begin payments. 

Fifth Third Bank started my due date something like XXXX weeks after they paid off the leasing company. 

I contacted them and asked my monthly due dates to reflect what I was told and for the late fee to be credited. I did this via the online chat portal. I also asked for the documents stating the loan terms and amortization table to be mailed to me. I believe this was on XX/XX/XXXX. As of today XX/XX/XXXX I have not received anything and no one has contacted me. 

Instead of the XXXX $ late fee being credited, I was charged XXXX $ twice. So my balance owed grew by XXXX XXXX 

Customer service is very unresponsive. I have contacted them numerous time.
Product: Credit card or prepaid card

Comenity bank holds the balance on my Wayfair card. I have XXXX access to my account. When I log in, it incorrectly tells me my account is closed. The customer service agent stated that my account was recently moved to XXXX ( it was not moved to XXXX, I never opted to take a new Wayfair account with XXXX when they took over ) So I once again had to take another hour to sit on hold hoping someone would answer their phone. They dont respond to messages, the customer service number is a joke. Ive sat on hold for hours only to be disconnected, played a message that their updated system is having issues or somebody answers and does NOT help or even speak English close enough to understand. They ban access to make a payment online or on the automated number and then have the nerve to charge {$9.00} for one of their customer service agents to make a payment for me from my checking account. My payment was due earlier in the month and there is no way to receive help on this matter. I have never missed a payment or been late with a payment. Im concerned they will be reporting me as late to the credit bureaus and charging more late fees and interest.