23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Acima Leasing Company is similar to XXXX XXXX. They charge a voluminous amount over the value of the items purchased. In XX/XX/2022 I signed a lease agreement with terms of 90 days same as cash for less than {$1000.00}. I couldn't pay it off in time. Then I had to carry the terms of XXXX or so every two weeks with an option to take 25 % off to pay in full every month or so. I am at the end of the term and still have a balance. I have paid them over {$2400.00} since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX  and the XXXX  XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take a 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Debt collection

I received a letter regarding a garnishment for XXXX XXXX XXXX (Newman, Mathis, Brady & Spedale) in the amount of $XXXX from my employer. This letter was also received on XX/XX/2019 and no form of prior validation was sent before this letting me know if I owed anything. Any past debts with XXXX XXXX XXXX has been settled. This was an illegal and unwarranted debt. This debt has been paid in full in the amount of $XXXX. This includes the original debt of $XXXX plus fees.   I have sent correspondence to Newman, Mathis, Brady & Spedale requesting an immediate halt of the garnishment as this is not legal and I have contacted my lawyer. When I contacted the law firm Newman, Mathis, Brady & Spedale, they then mentioned it only $XXXX. So with no initial letter stating I owe anything and then changing the amount, I think this is unwarranted debt and I do not owe anything since the case was closed.
Product: Debt collection

I contacted this company asking for verification of debt they can not verify and did not remove it from my credit
Product: Debt collection

I received a call from an undisclosed number they claimed to be a process server trying to serve me with papers. They gave me a XXXX XXXX number to call stating that a case had already been filed against me. When I called the number they said they had not filed a case against me and it was just their intent. They claimed to be A XXXX XXXX XXXX. They said they were going to file for separate lawsuits against me each for amounts less than {$150.00}. For a total amount of {$480.00}. I am reporting this because I do not believe them to be an actual law firm because I can not look them up anywhere. I also have not been able to reverse look up their phone number XXXX XXXX XXXX XXXX. I believe they are a collection agency who has purchased a debt who is illegally claiming to be a law firm.
Product: Credit reporting or other personal consumer reports

I have received multiple emails from this company asking me to sign loan documents that I never requested. They have unlawfully accessed my credit without any authorization. They also continue to harass me with offers after I have requested via email and phone for them to stop.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Date OpenedXXXX Balance Owed : {$0.00} Late/ClosedXXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$1000.00} ChargeoffXXXX XXXX XXXX XXXXDate Opened : XXXXBalance Owed : {$0.00} ChargeoffXXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : Late/Closed-XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4900.00} ChargeoffXXXX XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Collection-XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXDate Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing my significant stress and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Debt collection

XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX  and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
Product: Consumer Loan

Midland Credit management sent me letters in XXXX I 'm English speaking I called them several times to provide documents of paid accounts and have year to receive any documents I do n't know where my money went
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.
Product: Checking or savings account

Complaint against TD Bank. Received debit card and XXXX sets of checks in mail all with different account numbers week of XX/XX/2022. I did not apply for or authorize the opening of any accounts. In attempting to report the issue and close the accounts TD Bank refused to provide any documentation regarding account opening unless under subpoena. TD Bank also refused to provide any traceability information to follow the request to close the accounts. Lastly TD Bank would not close the accounts until resolved by their investigation team and would not provide an expectation date of contact.
Product: Credit reporting or other personal consumer reports

Recently | looked at a copy of my credit report and I noticed several inaccuracies on my account : This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Transunion is also reporting no payments reported for XXXX XXXX. However, the report is also showing a last payment date of XX/XX/2021. 
The balances across all the agencies are different.
Product: Money transfer, virtual currency, or money service

XX/XX/21 - Called Chase Bank to get {$850.00} in funds recovered from a scam payment. They said they couldn't help me because it was done with XXXX XXXX  with XXXX and suggested that I call XXXX, but they would notate that the number and email address the funds were sent to as a scam. 
XX/XX/21 - Called XXXX to see if they could help because its basically like XXXX XXXX and I would need to contact my bank to get the funds recovered. I informed them that i had called the bank first and they stated to call XXXX. Again they said to call my bank, and also said that they couldn't help retrieve the funds, but could mark the phone number and the email address as a scam and they would be blocked from using the app. 

Neither company would help and basically said was my fault for falling for the scam. Once i realized it was a scam I immediately reported it to the FTC and BBB as well as called my bank.
Product: Credit card or prepaid card

For Complaint # XXXX XXXX XXXX American Express XXXX XXXX feedback to the first attachment sent by American Express but when I tried to provide feedback to the second attachment sent by American Express XXXX XXXX the CFPB website XXXX not allow additional feedback which follows. 

In the response from American Express they state if I XXXX XXXX had any of the following American Express cards, see list below by XXXX or American Express I would not be eligible for the promotion. 

In the list below provided in the American Express attachment I have not had any of the credit cards listed. 

Please credit the XXXX XXXX XXXX points to my XXXX account as earned. 

XXXX XXXX Below from American Express XX/XX/XXXX response. 

" welcome offer ( XXXX ) XXXX not be available to applicants who have or have had this Card or previous versions of this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express. We XXXX also consider the number of American Express XXXX they have opened and closed as well as other factors in making a decision on their offer eligibility. The terms and conditions also state that welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXX Rewards Premier Plus Business Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my brother get a car and was not approved. I thought maybe it was because the dealership was trying to get over so I went to my bank and they denied me as well. There are things on my credit that is not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Please remove them from my account XXXX Acct XXXX, XXXX, XXXX and XXXX XXXX. I also saw some inquiries that i did not do XXXX XX/XX/XXXX Inquiry XXXX   XXXX I XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX   XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry.
Product: Credit reporting or other personal consumer reports

My credit report contains some unrecognizable accounts. Since I am unaware of their existence, these accounts need to be removed. My identity has been stolen. My letter lists all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. The following items should be removed, and I respectfully request their removal. Thanks in advance for your assistance.
Product: Credit card or prepaid card

I attempted to pay off my outstanding balance of XXXX. I was successful which should have brought my balance to zero. Bank of America keeps taking XXXX from my checking account. Theyve taken over XXXX. I called they told me to stop the payments. They keep taking it out. And they wont even let me use the money on my now negative balance card. They decline all charges.
Product: Debt collection

This collection agency is reporting an account that was once on my credit report, but was not validated and then removed from the report. 
I have asked for validation for some time and they have never sent anything. I also believe that this account is very old and is not verified as mine, I requested the respective documents and contract, and they have not responded, they just reported it and now they are using this collection agency in order to collect something that they never investigated and was not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit card or prepaid card

To Whom It May Concern, I have attempted to resolve this issue via customer contact and supervisors to no avail. This is regarding a credit consolidation issue with 5th3rd bank. I contacted XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding a credit consolidation. The amount of {$3900.00}. XXXX advised a 1-7 days for the transaction to post. I contacted 5th3rd on XX/XX/XXXX as the amount was not posted. The representative advised the process takes 2-4 weeks. I called back to 5h3rd on XX/XX/XXXX which is 4 weeks and was advised there was no transaction. I have called back a total of 8 times and spoke with two supervisors who basically told me this is not their concern as there is nothing to trace. I guess its true that customer service is just dead and I as a consumer need to take action into my own hands as nobody really helps a customer. Here is the details of the " electronic transfer '' from XX/XX/XXXX. XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount- {$3900.00}
Product: Checking or savings account

Hello I am writing in regards to my capital one checking account I recently open this account on XX/XX/XXXX and when I did I funded it with two {$25.00} deposits from my current checking account via ACH in this transaction is still yet to post into my checking account. I check it every day and each day I check it it still shows as processing or pending in the savings account does not even show the {$25.00} ACH anymore. I have confirmed with my current bank that the funds have left their institution. I called capital one three times to try and resolve this the first time I was told that I needed to verify two deposits that were made into my current checking account one was in the amount of {$.00} and the second was in the amount of {$.00} I verified the deposits over the phone with the representative I was speaking with and she told me that the funds with now post into my account within 1 to 3 business days. Its been three business days since that phone call so yesterday I called and spoke to a representative her name was XXXX and asked where my deposit was and she said that she could not see the deposit at all. I again told her I can see it on my end its worrisome that you can not see it in yours. At that point I requested to speak with a supervisor or manager and she stated to me that her name again was XXXX and she was actually a supervisor on duty. Again this is very concerning to me as myself being a consumer and having access to my app and being able to view the deposit is processing and her being a supervisor within the financial institution supposedly posting this transaction who is unable to locate it. I have also sent emails to the executive office I have tried reaching out to their CEO and their chair people and no one has responded to my emails. I did advise in my email that if no one made contact with me I would be pursuing a complaint with their regulators and still no one had the courtesy to reach out. I know the deposit is only {$25.00} but the fact that no one can find it is alarming because I have my direct deposit set to go into these accounts I also wanted to have a relationship with the company that I have credit cards with thinking it would be best. But I am now questioning my decision.
Product: Credit card

i got called from XXXX but actualy it was not from XXXX  they were saying i had an booking its not confirmed so i have to rebook it and it will refund my money back within 10 days, then i process payment then i called again after 2 days in XXXX and they said we never called you and never asked for any payments, immiedetly i called bank for dispute transaction, i not getting proper response from pnc bank. 

i got called from XXXX email- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Previous CFPB complaint not investigated XXXX There is multiple instances of fraud throughout this finance contract. I have made multiple complaints for the issues that never have been addressed. I have yet to receive results of the investigation into the insurance fraud and late payment statuses being reported by multiple companies that furnish information for this account. This company is reporting under the alias of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each time I request an investigation into an issue with one company they change their name and never update the original creditor on my reports. I am demanding that this account be removed immediately for the multiple violations of inaccuracy on my reports. I am demanding that they cease and desist with their collection actions until this issue is resolved. According to the CFPB they are to remove this fraudulent account from my report.
Product: Debt collection

I received a first notice in XXXX for payment of {$3100.00} from TRS Recovery Services, SM stated that on XX/XX/XXXX at XXXX XXXX that I had written a check to XXXX XXXX XXXX XXXX in XXXX , NM XXXX. Apparently, the check was not cleared and they want me to pay back. 
In the first notice, my last name was incorrectly spelled. I have contacted XXXX XXXX XXXX  on XX/XX/XXXX at XXXX and spoke with XXXX ( declined to say last name ) who confirmed that they have no record of my check written to XXXX XXXX and she referred me to XXXX XXXX at XXXX. I called XXXX XXXX who kept asking me for my name, SSN # and date of Birth in order to check her file. I also called back TRS Recovery Services at XXXX or XXXX and thereafter I spoke to them, they asked for the correct spelling of my last name. 
I received a 2nd notice from TRS Recovery services asking for copy of my bank statement and checking acct #. 
I checked with my bank officer who stated that that check never hit my acct and acct # on that statement is not my acct. 
I have requested a copy of the check from TRS recovery and have not received yet. 
I live in XXXX, NM and was at work on XX/XX/XXXX and signature on check is not mine. Thank you for your help. 
Please help/