23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday, XX/XX/XXXX I received numerous robotic voicemails on my cellphone, place of employment and residence from a company called High Point Asset Inc. located in XXXX, NY. I received another robotic call from this company today, Tuesday, XXXX XXXX this time I called them back. I spoke with a gentleman who identified himself a XXXX XXXX he alleged that I owed a payday loan from XX/XX/XXXX. I explained to XXXX XXXX that I never took a payday loan for that amount. I told him that if I continued to receive these calls I would report him to the AG 's office for the State of Maryland, I suspected that High Point Asset is not licensed in Maryland or the District of Columbia and he his response was " Yes we are. '' When I asked him to provide me with the business license number he said he would have to transfer me to the business " owner '' XXXX XXXX. 

He then transferred me to a XXXX XXXX who identified himself as the " Manager '' of High Point Asset Inc. 

Once again, I explained to XXXX XXXX that the payday loan debit that they were alleging I owed was not mine. I then asked XXXX XXXX what was the name of the company that he was collecting the debt for he stated XXXX. He said the file was transferred to him. I explained to him that I had never heard of XXXX. Just as I had XXXX XXXX, I asked XXXX XXXX for the business license in order to confirmed that they were licensed to operate in the XXXX and Maryland and his response to me was " I do n't have it on me. '' Really? Then I asked for an address in which that I could send a Cease & Desist letter and not a p.o. box number. At which time he stated that a Cease & Desist was placed on my phone numbers at XXXX something that morning. But refused to give me anything other than a p.o. box. 

I informed him that a Cease & Desist had to be in writing. I also informed XXXX XXXX that I was going to file a complaint with CFPB and with the FTC. He his response was " And I will respond to the complaint by saying we already did a cease and desist on your number. ''
Product: Debt collection

XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.
Product: Credit reporting or other personal consumer reports

XXXX Account number : XXXX TransUnion : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( a XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit card

I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Payday loan, title loan, or personal loan

I originally had t

o take out two loans from a lender called LENDING USA. One was to help cover funeral expenses and the other was medical. - BOTH OF THESE LOANS WERE PAID IN FULL But because of  tragedy ; death, XXXX XXXX, theft and vandalism to my personal property important personal documents were lost. I was almost hospitalized for a XXXX XXXX. 
In XXXX the attorneys handling the XXXX fire asked me to review ALL costs that may have associated with the fire. And in doing this exercise with my two banks ( XXXX and XXXX XXXX XXXX XXXX ) it was discovered that there were some strange charges on my accounts. 
1. They read as " PRIVATE PAYMENT '' 2. Both banks launched an investigation 3. They both came up with this information : XXXX XXXX. XXXX ( XXXX ) 4. I had NEVER heard of or done business with this bank 5. The phone number lead to a nursing home 6. Both XXXX and the Credit union exhausted their search to deem this charges as correct and declared them fraudulent 7. These two banks retracted the funds A few months ago I started getting collection  letters from a company called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX, ( XXXX ). And since then the harassment has begun. 
Realizing what had happened in all of the tragedy and despair I was dealing with, not to mention the hardships brought on by the pandemic, I reached out to LENDING USA. Initially, I couldn't get a hold of anyone. Then I was placed on hold for hours at a time. When I finally spoke to someone they referred me to the head of Collections  named XXXX ( XXXX ). 
Unfortunately, this call went wrong very fast. Already ill and hurt by what I've gone through, I tried to explain to him what had happened. He proceeded to chastise me about " why didn't I call them if I was falling behind, '' and I said BECAUSE I WASN'T BEHIND -- THESE TWO NOTES WERE PAID OFF! But he was ignoring that fact. He kept using threats of recording our conversation ... all in all we got  absolutely nowhere except to reduce me to tears. This XXXX XXXX said he would ask his boss about retracting the loans from XXXX XXXX. He called me a few days later and said his boss told him not to. 
You at the CFPB really have no idea of the kind of abuse companies like this put people through. Why did LENDING USA submit for payment something called " private payment? '' And to top that off it was untraceable! 
This whole thing could have been resolved when I spoke to XXXX, but he preferred to speak to me like a second class citizen, accuse me, and incite tears.
Product: Student loan

I attended University XXXX and used my XXXX GI Bill. When the money ran out I took out a personal loan so that I could complete the degree plan. When I enrolled in the XXXX XXXX Program I was made to believe that the majority of my classes from my XXXX in XXXX XXXX would be accepted. I made a spread sheet and compared the XXXX Texas classes with XXXX to show where they were identical and none of them were accepted. I was on a time constraint and trying to move upward in my career so I maintained enrollment until I completed the program. As I attended the classes I confirmed that they were all the same as the ones I completed through XXXX Texas XXXX that University XXXX was claiming to be higher series than the XXXX XXXX level
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. I have never been late with this company.

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 an account without my written instructions.

15 U.S.C 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX account # 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: Debt collection

1-On XX/XX/XXXX I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. I dispute this charge. 

2- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_1 '' ) pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). 

3- I received no response from the concerned party within 30 days. 

4- On XX/XX/XXXX, over a year later, I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

5- On XX/XX/XXXX I responded with a signed letter sent via USPS disputing and requesting validation of the claim ( attached document " XXXXLetter_2 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as requesting that in the case of no response within the required 30 days, all references to the account be deleted ( as legally required ). I also asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation. 

6- I received no response from Linebarger Goggan Blair & Sampson LLP within 30 days. 

7- On XX/XX/XXXX, almost 2 years from the last letter ( and almost 3 years from the original letter ), I once again received I received a notice from Linebarger Goggan Blair & Sampson LLP stated as a " NOTICE OF UNPAID XXXX LANE VIOLATIONS '' requesting a payment of XXXX. 

8- On XX/XX/XXXX I responded with a signed letter sent via USPS informing of a pending complaint to the CFPB and once again disputing and requesting validation of the claim ( attached document " XXXXLetter_3 '' ) pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), as well as noting all references to the account should have now been deleted at two different instances as is legally required. I also re-asserted that New York State has a one-year statute of limitations for collection of XXXX debt, therefor making any collection attempt beyond the statute of limitation.
Product: Checking or savings account

On XX/XX/XXXX me and my husband went to XXXX XXXX in XXXX XXXX, South Carolina. We arrive and XXXX attempted to check us in. She ran my card approximately 3-5 times and was declined. I then looked and my banking app to see what was going on. The charge for {$680.00} was pending. I showed that to her and she told me that there was no charge/transaction on her end. We was not able to check in. We sat in our car for some hours, calling my bank to try and figure out what was going on. We also spoke with the hotel and was told that we could pay and additional $ 200+ to stay for the night. We didnt have that to chance. Hindsight looking if I wouldve paid that and this issue wasnt resolved ( which clearly isnt ) I would have been there with literally {$0.00}. Up until now I have been speaking with my bank ( which is Albert, online who doesnt have a number )XXXX XXXX ( who we initially booked the hotel with ), and the actual hotel itself. They all have pretty much been telling me to contact the other person. Both XXXX  and XXXX XXXX have told me that there is nothing they can do because- XXXX XXXX doesnt have a transaction and XXXX didnt process the transaction. My bank told me several different things. Once they told me it would be 15-30 days, then I was told 7 days, then I was told 10 days the money would reverse back on my card. At this point it has been 2 weeks since we went on the trip. I had to have my brother book and pay for me a hotel ( which I have to pay him back ). I was literally in XXXX XXXX with no money and in debit.
Product: Credit card

Unable to get any help from customer service. XXXX to the website to get statements, yet they are not available. On hold and tossed through the phone system for over XXXX hours with no help into my inquiry of why I was being charged XXXX in interest. 

The lack of transparency and ability to help me understand my account charges or view or request my statements is not okay. 
I have exceptional credit and afraid this will hurt my score if I don't just pay what they are demanding from me.
Product: Credit card or prepaid card

I had a problem with one payment from my XXXX XXXX XXXX, I forgot to make a single payment on time and after few days they started to harass my phone with more than 8 calls daily, when I already explained to them that I will pay my bill with the next bill, to make sure I am getting charged by the correct fee. I kept on receiving calls from them ; I spoke to them telling that I knew that the collection practices they were doing were inappropriate because of the multiple times a day they were reaching my line. I told them to stop calling me, and the person who I spoke to was threatening me with making changes in my account without letting me know if I refused to keep receiving the collection calls, he was being very loud and rude so I hang up. Now I am paying my credit card on time and they are making changes in my credit report without letting me know, and I feel like they are picking on me, affecting greatly my credit report. Month after month it is getting decreased because XXXX XXXX is making inquiry after inquiry. I consider this is some kind of harassment against consumer, for no reason when I am paying month by month. I have not miss a single payment. Please stop XXXX 's on this abusive practices. 

Thanks,
Product: Checking or savings account

This all happen in XX/XX/2023, I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX  XXXX, someone created XXXX  XXXX  account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to XXXX  XXXX  and XXXX  XXXX  says as i am not an owner of that bank account as i reported then fraud so bank of america is the only XXXX who need to resolve this as i am bank of america XXXX. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX  charged my card $ XXXX I called my bank to file an unauthorized charge dispute form in order to retain a refund.., they emailed me a form to fill out. The form was completed moments after, and emailed back. When I called to follow up the next week as to why I havent received my refund yet, customer service seems to have disregarded what transpired in this unauthorized transaction and this is Unacceptable!!!! Ive been banking with them for years and to get no proper response back on the matter is quite irritating. I am losing my business because I need my money back in order to move forward, so by Bank of America allowing this unauthorized charge and not looking any further is also insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I paid {$460.00} to XXXX XXXX via the XXXX XXXX XXXX  The same day an unauthorized third party attempted to wire funds from my XXXX checking account for over {$3000.00}. Because of this, XXXX XXXX completely shut down my account. Still, to this day, my account is being investigated by their asset management department, and I have lost all access until the investigation is final. Since I have no access, I had no way to verify that the payment to XXXX cleared other than to rely on XXXX themselves. 
To do so, I utilized the XXXX XXXX, which I have relied on for the last three years, to make my payments and view my payment history. I logged in multiple times to verify that the payment was showing that it did, in fact, clear and there wasn't a payment owed. It was only in the following month, when the next payment was due that it reflected that I owed two monthly payments. I immediately made both payments and contacted XXXX. At the time, I was advised that everything was current, and I had nothing to worry about regarding anything reporting to my credit negatively. Two days later, on XX/XX/XXXX, I received a notification from my credit monitoring software that a late payment was just reported to my report, and my score dropped XXXX points. 
Again, I immediately called XXXX and was told by the representative that he does see the XX/XX/XXXX payment, and he will submit this to the " Credit Department '' to remove this from my credit report. He advised me that it could take 45 days and suggested that I submit a dispute to help speed up the process. He then gave me a reference number to include in my dispute ( XXXX ). I immediately filed my dispute with the credit bureaus and followed up numerous times within the following weeks. 

On XX/XX/XXXX, I received a notification that XXXX had deemed the late payment valid and would not be removed from my credit report. I again contacted them immediately and spoke to two representatives that stated their credit department was not seeing the XX/XX/XXXX payment and requested that I send a screenshot of the payment history showing the XX/XX/XXXX payment. I sent them the screenshot and followed up via their instant online chat to ensure the requested document was received. The representative confirmed and called me to advise me that she would be escalating the matter to the appropriate department to ensure that this is resolved. On the same day, I emailed XXXX XXXX, the Director and Auto Executive of Customer Relations at XXXX  and am still awaiting a response. I can not access my bank account or statements due to XXXXXXXX XXXX XXXX investigation. 

This is not a mistake on my end. I have done all my due diligence in an attempt to get this matter rectified with no response. This has not only been detrimental to my perfect credit that I have worked extremely hard to build, but it is also preventing me from getting a XXXX XXXX that I have spent almost a decade in college to obtain.
Product: Mortgage

I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.