23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Complaints Department : Please refer to my complaint regarding Chase Bank failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with Chase Bank, the sending bank, many times but they have been very unhelpful they have ignored my pleas for help and did not do their due diligence to their client. Ive been a client with them for well over 25 years and they have totally ignored my please for help. These stolen funds represent a significant part of my future retirement funds and the matter is of the utmost importance ... ..
Product: Debt collection

Midland Credit management is inaccurately reporting a debt on my credit report for an account ending # XXXX internal legal account # XXXX. I have attempted to resolve this matter directly with MCM on three separate occasions by requesting full validation of the debt, but they have failed to provide the necessary documentation. All was sent was a few statements from creditor.

Attached is the 3rd letter sent requesting the documents.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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
Product: Mortgage

I am trying to pay my balance off with additional payments. When i make an extra payment, my money is transferred to a 2nd escrow account and not applied to my principal. 
For the last month i have been trying to pay the entire balance and my request for the final balance have been ignored. I cant get the final balance from my mortgage statements because they have my money in multiple accounts and every month the balance owed is incorrect. The Transaction activity is confusing and my funds still have not been applied to my balance. 
It has been a month and i still have no idea how to end this relationship and take ownership of my home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 26 U.S.C. 6050P, creditors are mandated to issue a 1099-C form to the borrower when a debt of {$600.00} or more is canceled, forgiven, or discharged.

The failure to issue a 1099-C indicates that the debt has been canceled, and XXXX is no longer entitled to attempt to collect on a canceled debt. 

XXXX or its agents are misrepresenting the status of the debt by claiming that I owe money on a canceled debt and violating the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX charged off the debt but did not formally cancel or forgive it. They are still attempting to collect on the debt, but the lack of a 1099-C suggests that the debt has been canceled. 

The repossessed vehicle was sold, and the proceeds were applied to the loan balance, leaving me with a remaining balance or deficiency balance to pay. However, XXXX failed to issue a 1099-C, implying that they may have canceled the debt. Additionally, they did not adhere to proper repossession procedures, which invalidates the debt. I have the right to challenge the deficiency balance. 

XXXX violated the FCRA ( 15 U.S.C. 1681 ), which in turn reported the debt inaccurately to my credit report, negatively impacting my credit score and financial reputation. This has resulted in increased financial burden and distress. XXXX can not verify the debt ; it must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Following the repossession, I was not notified by XXXX of the time and location of the vehicle sale or auction, preventing me from reclaiming my vehicle. 
I am deeply distressed because I lost my camera that contained my daughters first year of life photographs and videos. 

Legal Basis for Dispute : 15 U.S.C. 1681b : Permissible purpose for accessing and furnishing credit information.

15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft.

15 U.S.C. 1681i ( a ) ( 1 ) : Requirement to conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide prompt notification of reinvestigation results.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requirement to delete or modify unverifiable or inaccurate information.

15 U.S.C. 1681s-2 : Obligations of furnishers of information to provide accurate data.

15 U.S.C. 1681n & 1681o : Civil liability for willful or negligent noncompliance with the FCRA.

15 U.S.C. 1681e ( b ) : Duty to maintain maximum accuracy in credit reports.

15 U.S.C. 1681i ( a ) ( 5 ) : Requirement to correct or delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requirement to conduct a thorough and reasonable reinvestigation.

15 U.S.C. 1681s-2 ( a ) : Prohibition on furnishing inaccurate information.

26 U.S.C. 6050P : Requirement to issue a 1099-C for canceled debt.
Product: Debt collection

On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.
Product: Debt collection

This does not belong to me. This was in result of an identity theft. Someone stole my identity while I was away serving my country. I have no knowledge of who did this.
Product: Money transfers

I have a savings account with Discover Bank. On XXXX XXXX, I submitted a request to Discover to verify an external account I have at XXXX XXXX XXXX. They made XXXX small deposits on Monday XX/XX/XXXX, then withdrew them out. On XXXX XXXX I submitted a request to transfer {$1900.00} from my savings to XXXX XXXX account. Discover bank withdrew it from my account on XXXX XXXX, but sent it through the ACH system with an effective date XX/XX/XXXX. It posted to my XXXX XXXX account on XX/XX/XXXX. The Federal Reserve does not debit Discover until the settlement date of the transaction. As a result, Discover held on to my money for 3 extra days and I lost 3 days worth of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, TransUnion has violated my rights by having XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have made several attempts to submit payments to EdFinancial in order to meet the deadline. However, each time I tried, the payments were inexplicably reversed by EdFinancial, resulting in additional fees imposed on me. Here is a record of the payment attempts : XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) Despite my efforts, all of these payments were reversed, and I was notified by the company that I am liable for fees associated with these reversals. When I contacted EdFinancial on XX/XX/XXXX seeking assistance, the representative suggested that my bank might be responsible for restricting the transactions. However, beyond this observation, the representative offered no further solutions. They also requested that I verify my account number and routing number to ensure their accuracy. 

After confirming the details with the EdFinancial representative, I promptly contacted my bank to ascertain if any restrictions were placed on my account. As I suspected, the bank representative confirmed that EdFinancial made no attempts to collect the payments and that my account holds sufficient funds. In fact, my bank provided me with a written confirmation affirming the adequacy of funds in my account. 

The situation remains unresolved despite my repeated efforts, and it's causing unnecessary inconvenience and additional fees.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 seek appropriate redress for these violations.
Product: Debt collection

Bill for XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX TN was paid by XXXX confirmation from XXXX XXXX XXXX confirms this I was sent a debt collection for this bill Online reviews and speaking with the front reception of this practice confirms this is an extensive problem for this practice The administration information was not publicallly accessible I did obtain at the office the CEO and managers names and contact e mail This is fraudulent practice going beyond this XXXX incident
Product: Money transfer, virtual currency, or money service

Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. 
The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit  card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

american express reported account was charged off in XX/XX/XXXX when account was paid off with a zero balance on XX/XX/XXXX bogus charge off report ruined my family 's change of getting a new mortgage
Product: Debt collection

on XX/XX/2022 I received mail from Navy Federal Credit Union stating that my account was closed. They also used obscene and profane language in this letter while also violating multiple consumer rights which you will see in Exhibit A and Exhibit B. I will also be sending them an affidavit of truth letter.
Product: Debt collection

Midland Credit Management has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and New York Penal Law 190.79 Midland Credit Management is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit card

On XX/XX/2023, I called what I thought was a XXXX XXXX account to tell them of an email I received that there was a charge of about {$600.00}. The person that answered the phone said that I would have to change my XXXX password and that he would help me with that process. I had asked if what he was telling me to do was applying for an Apple Card, that I did not want an Apple Card. He told me no. On XXXX XXXX I got a call from Goldman Sachs Bank asking if I had applied for an Apple Card. I replied no. Explained to her what had happened. They recommended that I contact the XXXX credit reporting agencies to freeze my reports. Also, contact the police for a report so I can send it to them. On XX/XX/2023, I checked my equifax credit report and there was an Apple Card charge on there with a balance of {$5400.00}. After that, I had went online to XXXX and disputed that charge. Monday, XX/XX/2023, I called XXXX to put a freeze on my credit report. Monday afternoon I went the police department and filed a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to Santander to avoid repossession. Santander refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and Santander quietly began harassing us for repayment. At the time, due to my illness, I was unaware that Santander had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of Santander, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and Santander states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX XXXX - {$37000.00} reported as total due as of XX/XX/XXXX XXXX - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked Santander, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but Santander refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found Santander guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as Santander USA knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
Product: Credit reporting or other personal consumer reports

I lost my wallet while at a venue about 2 years ago and all my id, ss card, credit card, etc where in my wallet. my mom had to help me replace alot of my items. this has kept me from being able to rent an apartment or move out or anything and i had to have my mom co sign for me to get a car
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge
Product: Debt collection

Navient, with no permission from me, placed my loans into a " Courtesy Hold Period '' at which time no automatic payments ( controlled by Navient ) were received yet interest was accrued to the benefit of Navient.
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In XX/XX/XXXX, I asked Navient if my loans were income based, in order to understand if I qualified for XXXX XXXX student loan forgiveness, as I am a XXXX XXXX
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My payments are pulled from my bank account from Navient, using their AutoPay feature which was set up years ago. I noticed in XX/XX/XXXX that they had not received a payment in three months. <P/> I called to ask why my payments were not received. They explained that my account was put on a Courtesy Hold ... As a result of my questioning as to if my loans were income based payments or not, they decided to put a " courtesy hold '' on these payments for three months and reinitiated my automatic payments for XX/XX/XXXX. <P/>
At no point did I agree to delaying my payments. I did not want a three month loan from them. They forced the loan on me and probably many other customers. I can afford the payments and want to be rid of my student loan debt as soon as possible. This scheme clearly only benefits Navient and is not a courtesy at all. Combined with many other customers it is clear that Navient has much to gain from these types of practices.
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Please help all of us costumers of Navient ... .it is clear they are taking advantage of everyone.
Product: Student loan

I am submitting this complaint regarding a serious privacy violation concerning my student loan. It has come to my attention that an individual named XXXX XXXX had access to my student loan information, which he should not have had under any circumstances. This unauthorized access is a clear violation of my privacy rights and raises serious concerns about the security of my personal and financial data. 

Given this security failure and the potential misuse of my personal data, I am formally requesting that my student loan be removed. It is unacceptable that my financial records were improperly accessed, and I believe I should not be held responsible for a loan that has been compromised due to negligence. 

Please provide a detailed response outlining the steps being taken to resolve this issue, including any corrective actions against the responsible parties. Additionally, I would like to be informed of any legal options available to me. 

I appreciate your prompt attention to this matter and look forward to your response.