23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.
Product: Prepaid card

I created my XXXX XXXX  account and was denied a debit card by the money network leaving the only two remaining options for direct deposit or paper check. I chose Direct Deposit. The bank account closed and my benefit payment was deposited onto a debit card although was denied a money network card via the XXXX XXXX profile account. The money network states someone attempted to activate the card using the wrong info so my money network entire account was placed on hold. Due to this delay I lost my home via eviction. My direct deposit then changed to paper checks. My new mailing address was updated on my XXXX XXXX  profile but not to the money network. The XXXX XXXX says they do not show I had a debit card and i would need to update my address via the money network app. I am unable to use the app without a card and the money network states the address change must come from XXXX and if a forwarding is on my previous address the check will not be delivered. I'm stuck in a loop trying to pay move in fees and need a resolution to receive the benefit payment please. Thank you Ss # XXXX XXXX  XX/XX/year> old address on file XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Student loan

I completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. 

In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. 

The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. 

The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this complaint is for an unauthorized ACH withdrawal from the HOA 's checking account with Bank of America. 

XX/XX/2021 XXXX XXXX  unauthorized withdrawal of {$500.00}. 

I opened a claim with Bank of America and on XX/XX/2021 received an email from them denying the claim on the grounds that the checking account has a contract with XXXX XXXX XXXX. As evidence, BoA provided a form titled " ACH debit authorization '' with the HOA 's information on it, with a space for the signature. The form is unsigned. No one in our organization has authorized this debit or even knows what XXXX XXXX XXXX is.
Product: Checking or savings account

On XX/XX/XXXX I was admitted to XXXXXXXX XXXX in XXXX XXXX CA. While XXXX XXXX XXXX my vehicle was broken into and in the backseat was my purse which contained my wallet which had my bank cards my drivers license my social security card and my cell phone. During the timXXXX XXXX XXXX XXXX XXXX XXXX I was unaware of my vehicle being broken into and my purse stolen which the perpetrator was using my card and phone to make purchases and pull money out etc. I filed a police report and filed disputes with my bank, some were in my favor and some were not and then Wells Fargo close my account. I asked how to appeal the decision and I was told I can not appeal them. I do have my proof of when XXXX XXXX XXXX XXXX XXXX as well as my police report that I filed.along with the claim # ( XXXX ) and the amount ( {$11000.00} )
Product: Debt collection

I received an unsolicited text message from ( XXXX XXXX XXXX. The sender represented themselves as being from MVBA and working with several cities and courts in the State of Texas. I am attaching a copy of the text message which appears to be attempting to contact a XXXX XXXX XXXX. That is not me and I have no idea who it is. I do use ID protection software, and have received notifications that associate my phone number with this individual in XXXX VA. 

I called the XXXX number listed in the text message, but no one answers.
Product: Debt collection

IC System Inc I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau decreased my score by 37 points after I made a payment ON-TIME to a creditor, XXXX XXXX, for an automobile lease. Knowing that my payment was on-time, I reached out to Experian, but was able to talk only with a front-line Customer Service Representative, whose name I could not acquire,. She informed me that, because my payment was the final payment of the automobile lease, I no longer have an ongoing installment loan, which lowers my credit score per their algorithm. I can't account for their algorithms in computing credit scores, but I don't believe that I should be punished simply for fulfilling my obligation to pay an installment loan - such as an automobile lease - in its entirety. This is as counterintuitive as anything that I've seen. If anything, I now have less debt than I had one month ago, so my creditworthiness should have improved or, at worst, remained the same.
Product: Debt collection

Since XX/XX/2016, I have received XXXX calls from ( XXXX ) XXXX. When I answer, an automated message says, " This is Global Collection Corp. This is an attempt to collect a debt. Please call us at XXXX. '' I do not know who they are calling for. No name is ever mentioned. I have never received anything in writing from this collector, or any one of my creditors, that a debt is owing. Because they do not identify who they are calling for, I will not hang up and dial this number back.
Product: Student loan

On XXXX Navient advised me via email that my interest only payment plan would end with my payment of {$82.00} on XXXX. Accordingly on XXXX, I called Navient to set up a renewal of the plan or a lower payment plan, given the economic realities resulting from the COVID-19 pandemic. However, Navient told me I needed to call after the XXXX of XXXX, because Navient could not do anything regarding my payments until the XXXX payment was completed. The following is the timeline of events : 1.  XXXX : Completed auto payment of {$82.00} from my account. 
2. XXXX : I called Navient and applied for what the representative told me would be an interest and principal payment of {$100.00} for 6 months. 
3. XXXX : Navient approves my application and emails a letter ; however, the letter states that the {$100.00} payment is for interest only and it contains the following info : Late Fee : {$0.00} - Repayment Fee : {$0.00} - Returned Item ( NSF ) Fee : {$0.00}. This conduct amounts to violations of the Truth in Lending Act, misleading information, and deceiving practices. 
4. XXXX : Navient sends me a statement showing that I have a past due amount of {$26.00} and a balance due of {$230.00}. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. 
5. XXXX : I called Navient to explain that it had made an obvious mistake as my auto payment of {$82.00} was indeed completed and as such I could not possibly have an amount due. To my surprise, I was automatically forwarded to collections! I talked to 1 representative and 2 managers to no avail. Navient 's response was limited to saying " You are in collections because you have an amount due and we will send a request to research the matter. '' I requested a number or some confirmation that in fact that would be done and asked when could I expect a response. Navient 's kept the past due amount posted in its system and had no explanation as to how that due amount reconciles with my next payment per the plan approved XXXX. Again, both managers refused to provide me with answers, stating simply that neither of them could do anything about my problem. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXXXXXX  XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX  XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX XXXX have attached the response from XXXX Experian needs to remove this XXXX from my credit report. attached is their response that states they don't own the account and I have attached the receipt that shows this account WAS PAID IN FULL TO THE CREDITOR WHO OWNS THE ACCOUNT WHICH IS NOT COMENITYCB/HSN BUT THEY ARE THE ONES REPORTING THE INACCURATE ACCOUNT TO EXPERIAN PLEASE XXXX NOT TELL ME YOU [ RE GOING TO CONTACT THE CREDITOR BECAUSE FOR MONTHS I GET THE SAME ILLEGAL E-OSCAR RESPONSE FROM EXPERIAN AND XXXX I HAVE ATTACHED LEGAL DOCUMENTS DIRECTLEY FROM THE CREDITOR REMOVE THIS ACCOUNT IMMEDIATELY I HAVE ATTACHED MY COMPLAINT FROM THE XXXX XXXX XXXX ALSO
Product: Checking or savings account

I had chime for yrs now I had to constantly get new cards and most the time I haven't received my new card and money was just missing XXXX or more from places I never joined ATM fees that weren't suppose to take fee my record will show how many times I had to reorder card I lost so much money and bow lost my job cause of domestic problems at home I just heard of chime problems or law shut about taking g m9ney from customer and it makes sense why this was happening I even got ahold o these this place is and I'm not even signed up with them my information is not in the system and there was no money taken out for them or they took no money out so this would make sense and I had problems with trying for years I have to keep my card lock it's it's annoying I lost so much money between ATM fees that weren't even supposed to come out when they're supposed to be see free I got some charge so I'm so badly money was coming out of my account I canceled my car when I talk to him they cancel it and then I would have to call back like a couple days later to literally get my virtual card and a brand new card sent back to me cuz I was having over {$100.00} to take out of my account for places I wasn't even signed up with and I still haven't received any of my money I lost all of that still have to keep my card locked from them doing this I can't get out of my overdrive I have to use my overdraft every week and now since all that was happening I literally lost XXXX for some situations so wasn't even my fault they shouldn't even let me go I just I read about this and then make sense now so I really want to look into this I deserve get my hard-earned money back
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & XXXX 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

I purchased a coat from XXXX XXXX never received the coat. I disputed the charges on my XXXX XXXX credit card. They refuse to deliver the coat or remove charge from my account. I should not be held liable for something I did not receive. 

I was advised to call the police to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

A company called XXXX XXXX were removing funds from my account consistently and I was complaining because I did not know the company I asked for a refund for all the transactions and they refused to give refund and they did not give me a live representative or a phone number to actually speak with a representative about this situation. They charge my account on XX/XX/year> 3 times in amount of {$9.00} each then on XX/XX/year> XXXX payments taken in amount of {$9.00}, XX/XX/year> {$9.00} then I was told by other consumers how to loc my card and keep them from charging my account and then how to remove my link bank account info. Cashapp was just withdrawing money from my bank account on their own without my consent to pay this company. I also had made a purchaser for a photo to be created for my book cover and that persons company was not a legit company so I complained to Cashapp and they refused to refund my money so I took that lost as well, I am not happy with Cashapps service. It's very hard to complain and to receive your refund. I would like to be compensated to the fullest. I also was scammed by or frauded by some individuals with 3 transactions over {$100.00} a piece 3 times. I reached out to Cashapp and they were extremely rude and told me to deal directly with the individuals that frauded me and I did not know them and at that time Cashapp was allowing people to take money if it was on your cashapp account. XX/XX/XXXX XXXX XXXX The fraudsters name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX {$140.00}, XXXX XXXX {$140.00}. Cashapp allowed these people to block me so I could not request for funds after they scammed me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.