23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, I started my administrative process of demanding verification of an alleged debt pursuant to 15 USC 1692g from WELLS FARGO AUTO. I also asked on numerous occasion for verification of the original creditor. They received my Notice of demand on XX/XX/2021. In the Notice, they were given 30 days to respond or dispute. I did not get an appropriate response from them at all. My Notices and concerns have continued to go unresolved. The only mail correspondence I received pertaining to this matter was another statement with a due date for XXXX. Said statement, as like the others, are all in a positive amount. It is false and misleading to request payment on a positive balance. 
WELLS FARGO AUTO further continued to violate my consumer rights and privacy by sharing my information to 3rd parties, which was used to commit the theft of my personal vehicle on XX/XX/2021 using skip tracing.That is clearly identity theft and grand theft. On the morning of XX/XX/2021 I called WELLS FARGO AUTO executive office to follow up on my case as their 30 days has passed, and that is when I was transferred to the reinstatement department. It was then when I was informed my personal vehicle has been taken the night before around XXXX. Prior to the call, I did not know. Again, I did not receive any mail correspondence regarding my dispute of the alleged debt. 

I have been in constant communication with WELLS FARGO AUTO, especially their executive department. Again, my concerns fell on deaf ears. I have been hung up on repeatedly and totally dismissed. The only goal of the representatives were to tell me how much I alleged owe and my payment history. No one addressed my dispute Notices or request for an update on my dispute case.No one has confirmed that I am the original creditor who extended my credit during the consumer credit transaction. My consumer rights have been violated and my property was stolen from a location I did not disclose to WELLS FARGO AUTO nor did I give consent to share any information. On a recorded line, representative XXXX XXXX told me they share any information on file. 

I mailed a Notice of default with an opportunity to cure on XX/XX/2021, which was received XX/XX/2021. They were given 10 days to reply. Later that day, I received a " notice of our plan to sell your vehicle '' from WELLS FARGO AUTO. Confirming they did in fact unlawfully authorized a 3rd party to steal my personal vehicle.The letter ( attached ) was littered with misleading and abusive language. Pursuant to federal law 15 USC 1692d ( 4 ), the advertising for sale of any debt to coerce payment of the alleged debt is a violation. I repeatedly informed WELLS FARGO AUTO I am the consumer and original creditor I have informed them of their abusive practices and invoked remedy for the damages. As with everything else, it has been ignored.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I went to cash my usual check from XXXX XXXX on the Venmo app ( who uses XXXX XXXX to cash it ). 
It went fine and i sent in a picture of " XXXX '' written on the check. 
It got approved and then said my account couldn't be funded. I've contacted by phone email and chat both XXXX and Vemmo. XXXX tells me once they approve and release funds they can do nothing and they don't know where my money is. Vemmo is telling me it's XXXX problem, and they don't know where my money is either. But neither is giving me any help. It was a {$350.00} check. No account was funded. I have pictures from my check activity tab on my Vemmo app even showing the check being approved but under the " Funded On '' date, it is blank, where on other checks I've cashed it says the date and time. Neither company will give me a higher up employee to speak to. All I want is my {$350.00}.
Product: Credit card or prepaid card

I am submitting a formal compliant to request resolution of my XXXX XXXX cruise payment of {$2000.00} refunded back to my American Express account. In good faith I booked my trip with XXXX XXXX prior to the COVID-19 outbreak. On XX/XX/XXXX, The United States, State Department advised all Americans not to travel on any cruise ship due to the COVID-19 pandemic, warning that cruise ships presented a higher risk of coronavirus infection and made U.S citizens vulnerable to possible international travel restrictions, including quarantines. I canceled my trip with XXXX XXXX XX/XX/XXXX and requested my {$2000.00} refunded back to me. They stated a credit would be offered and I advised them that is unacceptable and cancelling the trip was out of my control. I booked my trip along with my family and we all had to cancel our trip. My family members were given their refunds back, but XXXX XXXX is stating I can only receive a cruise credit to use by XXXX. This is unacceptable based on the current crisis we are currently facing with COVID-19. I dont know if or when taking a cruise will be safe again. I spent {$2000.00} on my cruise trip and this is a large amount of money to hang in limbo. I do not know if I will ever feel comfortable taking another cruise and my {$2000.00} should be refunded back to my American Express card. I filed a complaint with AMEX and they refunded my {$2000.00}, but XXXX XXXX stated their policy states they would not refund, so AMEX reversed the {$2000.00} again. The XXXX XXXX policy is outdated based on the unprecedented crisis we are in with COVID-19. Along with the fact that canceling my trip was out of my control and strong advisement from the United States, State Department XX/XX/XXXX notified all Americans not to take cruises. I can not not afford to have {$2000.00} of my money hanging in limbo with XXXX XXXX, thus I am requesting to have full refund placed back on my AMEX card.
Product: Payday loan, title loan, or personal loan

I revoked my Authorization for electric debit in XXXX and today XX/XX/2022 they tried to put a check thru for {$100.00}. I was charged a nsf fee because of this and advance America claims I didnt revoke my authorization but I have the email from them when I did and I will attach it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I received notice that you verified certain items on my credit report from the following XXXX # XXXX. You reported me being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Supply your response or report status as PAID, NEVER LATE for the trade-line. 

Best Regards
Product: Checking or savings account

My wife received a check in the mail for work on a job she arranged online. The instructions were to use part of the money received to pay a third party for their work. She deposited the check with our Chase account on Wednesday, XXXX XXXX. Almost immediately after depositing the check the person who sent it starting contacting my wife insisting she pay the third party even though his check had not yet cleared. The whole thing seemed extremely fishy so my wife called the bank on Friday the XXXX to report that she thought it might have been a scam. The bank researched the check and found it was fraudulent. 

At this point they Chase immediately froze our account. They did n't just freeze the funds from the deposited check but absolutely all our money on the spot. My wife went into the bank with all correspondence from the person who sent the check as well as all evidence that we were being scammed. We were informed that they account was electronically locked and that they could not do anything about it for XXXX to 5 business days. They offered a one time exception to take some of our money out of the account. As we were told it would only be a few days we took XXXX $ out. On Monday we called a number they had given us to check to see if the account was unlocked. They told us it would take XXXX to 7 business days. I went back into the bank the next day to try and get more money out. After an extremely long wait they told me that the bank flagged our account for closure and after XXXX to 10 business days they would mail us the remaining balance of our account. We were told it was an Escrow check so we should have known something was wrong. I informed them that I did n't know what that meant and it was not common knowledge at all. 

We had been with Chase for several years and not once had an issue of depositing a bad check. They froze all the money we had for food, bills, ect that had nothing to do with the bad check and made it unavailable for close to two weeks and slowly mailed it to us.
Product: Credit reporting or other personal consumer reports

I went into a payment deferal program with XXXX XXXX  and the reported me XXXXXXXX XXXX XXXX days late several times on my credit report. I was told it would show current on my reports or i wouldnt of deferred my mortgage payments. XXXX XXXX failed to provide the information or i wouldnt of done a payment deferral. I was never late on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.
Product: Prepaid card

On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXX/XX/XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Demand for Arbitration Regarding Charged-Off Account # XXXX XXXX To Whom It May Concern, I am writing in response to your recent verification of the charged-off account referenced above.

After careful review, I dispute the validity of this debt and hereby elect to resolve this matter through private arbitration, as outlined in the original agreement governing this account.

Pursuant to the arbitration clause within the contract associated with this account, I am exercising my right to compel arbitration as the exclusive method of resolving any disputes between us, including but not limited to the alleged debt and its reporting. Please be advised that any further collection efforts outside of arbitration may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the contractual provisions of arbitration.

I request that you immediately cease all collection activities, including credit reporting, and provide me with a copy of the arbitration agreement applicable to this account. If you refuse to honor my demand for arbitration, I will consider this a breach of contract and will take appropriate legal action, which may include filing a motion to compel arbitration in a court of law.

Please respond in writing within 30 days confirming your intent to proceed with arbitration.

Failure to do so will result in my taking necessary steps to enforce my rights under the agreement and consumer protection laws. 

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

Subject : Formal Complaint False Charge-Off Reporting and Potential Tax Evasion by Discover Bank Dear CFPB Representative, I am submitting a formal complaint against Discover Bank for falsely reporting a charge-off on my credit report that no longer exists. This inaccurate reporting is not only fraudulent and misleading but also negatively impacts my creditworthiness, causing significant financial harm.

Issue Summary : False Charge-Off Reporting : Discover Bank has charged off an account with a balance of {$7900.00} on my credit report, even though this debt is no longer valid or does not exist in the capacity they claim.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2, creditors are required to report accurate information to credit bureaus. Discovers false reporting violates this statute, constituting willful misrepresentation and intimidation through fraudulent debt claims. 
Unfair and Deceptive Practices ( UDAAP Violation ) : The CFPB prohibits unfair, deceptive, or abusive acts under 12 U.S.C. 5531. Reporting a debt as charged-off while still holding it against me in credit reporting is both deceptive and abusive.

Potential Tax Evasion ( IRS Fraud ) : A charge-off means that the creditor has written off the debt as a business loss for tax purposes. If Discover Bank has indeed written this off while still reporting it as an outstanding balance against me, this could indicate improper tax deductions in violation of IRS tax fraud laws under 26 U.S.C. 7201.

Requested Action : 1. Immediate Removal : I request that Discover Bank immediately delete the false charge-off from my credit reports ( XXXX, XXXX, and XXXX ) XXXX 
2. Formal Investigation : I urge the CFPB to investigate Discover Banks practices regarding charge-offs and ensure they are not engaging in tax evasion or fraudulent debt intimidation.

3. Legal Enforcement : If evidence supports my claims, I request that the CFPB take appropriate legal action against Discover Bank for its violations of the FCRA, UDAAP regulations, and potential tax fraud.

I have attached the following supporting documents : A copy of my credit report showing the inaccurate charge-off. 
Any supporting documentation proving the debt is invalid or resolved.

A copy of my dispute letters sent to the credit bureaus.

Under 15 U.S.C. 1681i, credit bureaus are required to investigate disputes within 30 days. If this false information is not removed promptly, I will escalate this matter further through legal channels.

I request a written response regarding this complaint as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : Alliant Credit Union XX/XX/2021 Alliant Credit Union XX/XX/2021 Factual Data XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX Card Services XX/XX/2021 XXXX XXXX and Finance Companies XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 2021
Product: Credit card or prepaid card

I logged onto my account XX/XX/XXXX and notice that my credit limit has been reduced by {$5000.00} from {$15000.00} to {$10000.00}. I called 5/3 bank the same day that I noticed this and spoke to a customer service representative as well as the representative supervisor XXXX ( employee Id XXXX  ). I inquired why their was a reduction of my credit limit, but no one could provide an answer. They stated a letter was mailed out to me XX/XX/XXXX, but due to extended traveling I will not be able to access the letter. 

Additionally, since I'm in the process of purchasing a home. I have been monitoring my credit like a hawk, and my concern was that such a large drop will drastically affect my credit due by affecting my credit utilization ratios. In the call I requested is their a process to reinstate/ reexamine the credit profile. 

I had a similar incident happen two months prior with a XXXX XXXX  credit card. There process is more consumer friendly then 5/3 bank. First they gave me one month advance notice that they were reducing my credit limit ( unlike 5/3 bank ). Once I received the letter from XXXX I called them and explained to them that I'm looking for a home and that reducing my credit limit would affect my credit utilization ratio. They simply stated that they will put in a request to reinstate my initial credit limit. 

To recap the complaint : 1 ) 5/3 bank reduced my credit limit with advance warning 2 ) I have no way of knowing why they reduced my credit limit 3 ) They do not have a process that was communicated to me regarding if there is a way to appeal or reinstate the decision 4 ) The supervisor refused to provide me or transfer me to the individual who she reports to for me to express my concerns.

5 ) It seems very fishy that my credit limit was reduced shortly after making a larger payment on my credit card account.
Product: Checking or savings account

My family and kids were XXXX XXXX XXXX XXXXXXXX on fegnal. The suspects threatened chase staff to play me like I'm XXXX if I report fraud being that they stole my id and had my family. 

XXXX Chase Bank XXXX XXXX XXXX TX I didn't request to close my card or have another card mail to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXX Convergent Outsourcing / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX skippeXXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX There is a name XXXX XXXX that is clearly not me. 

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 or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00}.
Product: Debt collection

I VERBALLY DISPUTED THE DEBT ON XX/XX/XXXX AROUND XXXX. I RECIEVED XXXX CALLS AFTER THAT. I THEN RECIEVED A CALL XX/XX/XXXX AROUND XXXX. I ADV I SPOKE TO THEM XX/XX/XXXX AND I DISPUTED THIS I WAS NEVER MADE AWARE THAT I HAD A TUITION FOR MY DAUGHTER FULL DAY DAYCARE WHEN I REGISTERED HER IN XX/XX/XXXX. THEY CALLED ME BACK NOT EVEN AN HOUR LATER AT XXXX ATTEMPTING TO COLLECT THE DEBT AGAIN. I ADV THEM THAT I HAVE DISPUTED THIS AND THEY WERE CALLING ME AFTER THEY HAVE ALREADY SPOKEN TO ME. I HAVE HAD XXXX MISSED CALLS SINCE ON XX/XX/XXXX AND IT WAS ONLY XXXX. XXXX OF THE REPS CALLED ME A DEBTOR AND THAT IF I WAS REFUSING TO PAY MY OBLIGATIONS. THEY HAVE CONTACTED ME FROM XXXX DIFFRENT NUMBERS XXXX XXXX AND XXXX NUMBERS GOES TO THE SAME COMPANY. I ASKED THEM IF THEY NOTED MY ACCT. AND THEN THEY SAY YES AND TOLD ME THEY WILL CONTINUE TO CALL ME TILL ME UNTILLL THIS ACCT IS PAID. I ADV THEM I WAS DISPUTING AGAIN. SD THAT THAT THEY WILL CONTINUE TO CALL ME ALL I HAVE TO DO IS PAY MY DEBT BECAUSE THIS IS AN ABLIFGATION I HAVE
Product: Mortgage

I had a mortgage with XXXX and sold the home in XXXX. 
I never received a 1098 and paid close to {$3500.00} in interest to XXXX. 
I have been calling them since XX/XX/XXXX, messaging on app, went to bank branch. 
I am told the " fullfillment department '' can only mail the form and each time i am told i can call back if i have not received the 1098 in XXXX  days. 

when i call back, the reason i have not received it is blamed on the post office or i am told there is no record of the request.

I have a copy of the message in the app from XX/XX/XXXX with " XXXX ''. 
I can not do my taxes without the form. the tax professional will not record the deduction without documentation and it reprsents a substantial refund for me. I am not allowed to talk with the department directly. Going to the branch or repeatedly calling and speaking with customer reps does not produce the form. 

The bank Should have sent the 1098 with the payoff letter/notice!
Product: Checking or savings account

Im trying to make a mobile deposit, but the app is not allowing. When I take the photo doesnt allow to continue, also doesnt allow to writte de amount. 
I tried to fix the issue with customer service, they said I need to reinstall the app. I did it but the issue still there. 
I need to have this fixed asap. 
Thanks
Product: Debt collection

In XX/XX/2018 I was seen in the emergency room with a provider who was in my network but at a hospital where I am not a member. 
I was billed and contacted by Progressive Management after this bill went to collections. 

I provided my medical insurance and policy number to Progressive Management in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for them to file a claim with the correct insurance company and they were negligent. Therefore incorrectly reporting this to my credit. 

According to Supreme Court Ruling AB1611 I can not be held responsible for this emergency bill as I provided the collection agency my insurance information to file claim. 

I want this entire debt cleared and removed from my credit or I will otherwise sue for the balance as well as statuary expenses.