23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was first contacted on XX/XX/XXXX by phone from ARA,  XXXX XXXX XXXX, XXXX XXXX, Collection Manager. XXXX. He stated that I owed {$26000.00} currently. It had started as a credit card debt but could not tell me what card or bank the debt had originated with. He said that the last payment on record from me was XXXX and the debt at that time was {$9500.00}. 

XXXX said that they tried to mail me letters at an old address that was my father 's old business. At the time of this call I had not received anything at my home of 11 years. XXXX was able to list my Social Security number, address, phone number and current credit cards and said that they are now pursuing me because I now have good credit and they can go after me now that I have a house and credit cards. They offered me a settlement of {$4200.00}, broken down into 3 payments with a down payment of {$420.00}. 
When I said I don't have that kind of money and my kids are on free and reduced lunch at school, government health care and my wife doesn't work he placed me on hold and went to his " clients and manager '' and offered me option # 2- {$3500.00} in 2 payments or option # 3- {$2900.00} one lump sum. {$290.00} down on XX/XX/XXXX and {$2600.00} by XX/XX/XXXX. He said if I refused to pay that I was in big trouble and they would have to take legal action. I was scared they would hurt my credit or my wife 's if I did not agree to pay them something that I knew I could not afford. He told me to put it on my Debit card so I agreed knowing I did not have the money. I cancelled my card that night. He called my work on XX/XX/XXXX and my Father on XX/XX/XXXX in addition to repeated calls to my cell phone. All messages I kept and have recordings of the threats.
Product: Mortgage

The house mortgage is in my name, my ex-husband is living in the home, he stopped paying on the loan and failed to refinance the home into his name when he was suppose to. 
XXXX XXXX XXXX XXXX  paid the mortgage on the home through XX/XX/XXXX, we are both in financial hardship and I can not pay for this home. XXXX XXXX has XXXX  health issues, we are trying to sell the home but it has been a slow process due to lack of income and XXXX to take care of the land.
Product: Vehicle loan or lease

I bought my new car this year on XX/XX/2020. 
the finance manager lied to me about adding GAP later at anytime. 
I recently had a car accident and my Insurance considered it total loss and I ask their network body shop if its fixable. the employee said its fixable and Im seeing Santander and my insurance rather re sell it at the XXXX XXXX to gain money instead fixing their fixable car, to me it unfair and predatory on their behalf. I lost my job because of their practices with the Insurance. I want the car fixed properly and refinanced with someone else with a lot lower interest and lower monthly payment because their car will be worth less than XXXX. I got another job but Im pretty sure it wont cover the XXXX  monthly payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

A 3rd party company ( equitable acceptance corporation ) reached out to me and told me that I can get cheaper student loan payments if I let the reconcilidate my loans for me. This company has charged me close to {$2000.00} for something that I am finding out that I could have done on my own. I have attempted to cancel this agreement with the company and they told me that I was able to get such low rates because they negotiated with federal student loan on my behalf. I have reached out to federal student loan and they explained to me that this is not true and I would have gotten this monthly rate regardless. I am extremely frustrated because this 3rd party company is refusing to cancel this agreeemwnt and have been giving me false information
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently suspended for no apparent reason. When I called and asked for a reason they refused to give me one. I have {$800.00} in my PayPal account which I refuse to get to me until 180 days. Its been two months and due to Covid I am in need of that money since I have not been working very much. I expressed this to them and they could care less. Its caused me and my family A lot of stress that was unnecessary since I have that money sitting on. I dont think it is ready for them to pick and choose when I can access my money
Product: Mortgage

When we applied for a home equity loan with our credit union we were denied because a title search showed we had a Texas XXXX XXXX XXXX XXXX XXXX done in XXXX. What we actually did in 2020 was, we took advantage of an offer from our home lender Chase to do a refinance for a lower interest rate. This should have been recorded as Deed of Trust, as we did NOT take any monies from our equity. We have had conversations with our state/county recorders office, and were advised that Chase needed to correct the error. We contacted Chase customer service and they forwarded our complaint to Chase Escalation Office ( after several complaint calls ) for review. It has been 2 weeks since we have started this complaint, and have zero answers. At first Chase wanted us to refinance and that would get the issue off our title. Taking our interest rate from just over 3 % to 8+ %. We have called many times to get updates on this issue and each call is forwarded to a different individual and our story has to be retold each and every time and the answer has always been the same... Chase is investigating. As it stands we have had 2 hard inquires on our credit and have received 1 denial letter from our credit union, not to mention our equity is locked, at our advanced age is very scary. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX my XXXX account was compromised & a purchase was made on my XXXX  account using my debit card. The thief bought a XXXX camera for {$490.00}. He had it shipped to a address in XXXX Florida, I have lived in XXXX XXXX Florida my whole life. XXXX is over 7 hours away from my home. I got a email from XXXX immediately but, I did not notice this transaction until 2 days later on XXXX. By this time the item was already on its way to the thief. I immediately filed a dispute with my bank CHASE and also contacted XXXX. This transaction does not show up on my XXXX which is weird because I have never had my debit card information on XXXX itself, I always use XXXX. This is odd because when i make a purchase with XXXX I always receive an email from them, I did not get an email from them for this transaction. CHASE sent me a temporary {$490.00} while the claim was investigated. On XXXX I received a letter from them that they concluded that the transaction was authorized and they would be taking the {$490.00} back. I find this very unfair as I never authorized this transaction and I live nowhere near XXXX nor do I have family or friends there. Please help me out, it is a lot of money and I work hard for my money. Thank you.
Product: Checking or savings account

My account is with ( Card.com ) I had 3 charges on my account from XXXX So I called card.com there was 3 different charges to XXXX they said no worries will credit your account and if we find that there was They would take it back.. well i never got the credit the closed the case with out Asking first..they areva bunch of XXXX  there total ( XXXX ) ( XXXX ) ( XXXX ) My name is XXXX XXXX Ive dent the papers back they wanted me
Product: Debt collection

I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.
Product: Checking or savings account

I opened up an account with Wells Fargo in 2016, they were great as a bank. However, I had some employment losses resulting in eviction, losing my car, being XXXX  for almost XXXX years without support and I have no income not even {$5.00} to my name. I have attempted to get employment, but no one will hire me despite being educated and I am in the midst of filing bankruptcy again even with employment which my income will not support any kind of debt repayment not even the lowest possible amount. I am asking again KINDLY for debt forgiveness and reimbursement for ANY overdraft fees charged along with {$5000.00} to be paid out 30 days from this complaint otherwise I will file a lawsuit against Wells Fargo and continue to file complaints until this is resolved without the lies nor excuses.
Product: Checking or savings account

On Sat XX/XX/2023, I received a letter from TD Bank dated XX/XX/XXXX saying my account will be closing on XX/XX/XXXX. I tried to call the number on the letter but no one was available since It was on the weekend. So I called the customer service and find out why my account was being closed. The rep told me that the account was in good standing and that I wouldn't have to worry about my account being closed. So I requested to speak to a manager on duty, and the manager told me the same thing, my account was fine and there were no notes on the account saying the account was being closed. They assure me that the account was in good standing. The manager told that the language on the letter seems strange and said that it could be a scam. He told me to bring the letter to the local branch and verify it. So on XX/XX/XXXX, I brought the letter to the branch and ask them if my account was fine, they reassure me that everything is fine. And they googled the number on the letter and said that the number on the letter was part of some kind of scam. So I thought everything was good and not gon na call the number in the letter. On Monday night XX/XX/XXXX, I wasn't able to login into all of my accounts. I tried again on Tuesday. It was the same. So I called TD to find out what happened to my account, and they only told me that the account is closed. There is no information on why the account was closed. And told me to stop by a local branch to get more info. So on Wednesday, XX/XX/XXXX, I stopped by the local branch and ask them exactly what happened to my account, they all said they don't know why. I requested them to withdraw all of my funds but was denied. Was told my funds will be sent out bymail. I told them I don't want to wait for my funds in the mail. It would take too long for it to get to me and get the checked clear after deposit into my other bank. I am very disappointed with how they handle everything and how they treat me. As of today, no one has told me what exactly happened to my account. I hope someone else can see how TD is treating their customer. Everyone should stay away from them. They don't care about their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXX SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.
Product: Checking or savings account

The end of XX/XX/year> XXXX XXXX canceled my flight from XXXX TX to XXXX NJ, leaving me and my family stranded in Texas for 2 days. The flight was canceled due to mechanical problems with the airplane so we were told to book new flights and get a hotel room and we would be reimbursed by XXXX. So we booked a hotel, and a new flight with XXXX XXXX. The flight with XXXX was flying into XXXX PA, not XXXX NJ, so we needed a rental car as well. After submitting the receipts to XXXX XXXX we received a credit a few days later on XX/XX/year> in the amount of {$460.00} which was for hotel and rental car reimbursement and an additional credit in the amount of {$98.00} for the price difference between the XXXX XXXX tickets we had to purchase and the original XXXX XXXX tickets that were canceled. In addition to these payments from XXXX we were supposed to receive a refund for our flight that was canceled, obviously. However, we never received a refund for our original flights from XXXX and after a few phone calls and being bounced around by XXXX I decided to file a dispute with M & T Bank because I had paid with my debit card. I was given temporary credit right away on XX/XX/year> in the amounts of $ XXXX $ XXXX {$190.00} which were all charges related to the canceled flight with spirit. Then, on XX/XX/year> M & T Bank took {$460.00} + {$98.00} out of my account and said it was a provisional credit reversal. These transactions had nothing to do with the original purchase, they were additional funds owed to me by spirit airlines, yet, the money was removed by M & T Bank as a provisional credit reversal. There were also XXXX other disputes recently that were reversed by M & T because they said that I never filled out a form that they sent me, but I never received a form and nobody ever told me that I needed to fill out a form. These were the only disputes I ever filed with them and they were all reversed with no notice for false reasons. They told me to fill out the form for the other XXXX disputes and they would be reopened, which I did. However, with this one they are saying that XXXX told them to deduct that amount from my credit, which I do not believe because I have emails from spirit regarding these payments. So I asked to see that and they said they can request it, and if the request is approved I may or may not receive it in about 14 days. This is theft by M & T Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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
Product: Credit card or prepaid card

I purchased Vanilla Visa gift card for {$150.00} at my local retailer. After many phone calls and emails but my gift recipient and I have been unable to recoup the company. I contacted the retailer and they created a case # and told me that they show it as properly activated o their side. After weeks of waiting they told me that while they filed a claim with Incomm, they are not hearing back for many months so I should call directly. On XX/XX/XXXX I called directly, waiting on hold for over an hour, and provided all of the requested documentation ( attached ). They assigned me a ticket # XXXX. They told me that I would hear back in 7 days. On XX/XX/XXXX, they sent an email not with a resolution but requesting the exact same info! I re-sent the info on XXXX and asked to speak with a supervisor. I did not hear back. On XXXX they sent another email requesting the exact same info. Frustrated, I sent it again and asked again to speak to a supervisor. I received no call. Today, I call and waited 51 minutes to speak to a supervisor. She told me that she could not help me as she shows that I sent the info on XXXX and I need to wait 7 days. I explained everything to her. I believe they are purposely re-sending documentation requests every 7 days to " reset the clock '' to keep putting the innocent consumer at a disadvantage. They have now held my money for 3 months for no good reason. It is clear that they are making it so difficult so that, at best, they hold onto the money longer and, at worst, hope consumers will get tired and go away. There need to be oversight on this company and penalties for keeping a consumer 's funds. Having to send endless emails and waiting on hold for an hour at a time appear to be intentional practices to avoid compensating the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXXXXXX XXXX
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I.C. SYSTEM, INC account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the XXXX bureau XXXX XXXX XXXX XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a XXXX XXXX.
Product: Checking or savings account

Chase Bank is routinely giving us problems accepting cash transfers into our account from such applications as XXXX, wherein we constantly get messages that Chase Bank is either refusing or reversing the monies transferred there, thus forcing us to transfer our money into our bank account that we are trying to walk away from, XXXX XXXX. The most egregious aspect of Chase is that their employees such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others keep telling us to " fund the account '' otherwise we will have problems, such as refusals of merchant services or premature closure of our account. Please investigate and advise.