23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX  acct # XXXX has violated my rights under 15 USC 1681section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX acct # XXXX XXXX has violated my rights under 15 USC 1681 section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX has violated my rights under 15 USC 1681section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection of any debt.
Product: Credit card

I have spoken to an attorney about what has occurred with Capital One and it is not acting in good faith in regards to my fraud claims against XXXX XXXX who has defrauded me for a few years with not showing up to court or filing what they were supposed to have filed. 

It seems I have wasted my time as you have individuals working in your transaction team denying incessantly all the paperwork and claims I made of fraud against XXXX XXXX XXXX. It is clear no one is reading or properly investigating rather they are just issuing generic letters denying all claims and reversing all temporary credit. I do not understand why waste my time in providing you evidence if you wanted to just deny everything based on time. I have already explained that I have been defrauded by XXXX XXXX XXXX for work that was never rendered. Legal work does not process the same way as other transactions that I can catch it within 60 days. The law firm lied to be several times and court records prove they did not do what they have claimed. I do not understand why even allow the claim to be made to then reverse it on timeframe 6 days afterwards and have me waste time on all that paperwork when I found out the truth about what has occurred on XX/XX/XXXX less than 30 days ago. I have explained also that XXXX XXXX XXXX has also not been able to legally work since XXXX on a suspended corporate license. On top of the fraud. They are under investigation by the Attorney General, They are under investigation by the State Bar. I have provided you all of this. It is disgusting that Capital One is engaging in this behavior and in speaking with legal council this violates ETF laws and I can sue Capital One for not protecting me or even properly investigating the matter. I will be suing Capital One if this is not rectified as it defeats the purpose of using a credit card or fraud investigation. 

Case Numbers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges to all of my accounts. XXXX XXXX XXXX has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. I submitted DC police report XXXX. XXXX XXXXXXXX XXXX and XXXX immediately accepted responsibility for the illegal unauthorized fraudulent transactions and charges
Product: Credit reporting or other personal consumer reports

Inquires made that I didnt authorize XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

So i opted to have my PUA ui unemployment payments direct deposited to my Cash App account ... Well i only received an amount under what i was originally supposed to get ... i was supposed to have had around XXXX deposited into my cash app account & i only received XXXX of it ... So i reached out to Cash app support through email & a few days later i got an email back & the lady said that basically no more than XXXX can be deposited at one time, so i asked if they could deposit the remainder of my money & she replied saying they couldnt do anything & advised me to reach out from where the money was being deposited from?? I asked her if the money was going to be returned to the original place it came from & she said yes it would be..with in 3 to 5 business days ... I tried asking replying back to the same person from the email from cash app to see if they returned my money yet & she preceded to tell me that she could do anything else further for me, that she has given me all the information she could ... So then i reached out to the Georgia dept of labor, again through email & the gentlemen i spoke with told me that everything looked fine on the depts end & basically they couldnt do anything to help me either .... So now this is my last resort to trying to get my money returned to me
Product: Checking or savings account

On XXXX  XX/XX/XXXX Bank of America withdrew Almost {$3000.00} from EACH of my XXXX business accounts. I had no idea why. I immediately called them and they told me it was a tax garnishment from XXXX, which I was not aware that we owed any money to them. Bank of America said a letter was generated on XX/XX/XXXX, the day before, which I had not even received yet. The garnishment as I said was only around {$2800.00} but because we did not have sufficient funds in the account, they garnished every account I had for that amount. How is this legal? The agent at BofA also advised us that if we pay BoA, they would have to send the funds to XXXX which takes time and if we pay XXXX they would need to send a fax releasing the garnishments. Once fax is received they would revert the garnishments right away. 

So we ( my husband and I ) immediately called XXXX and although I have not had time to verify what was owed, we paid XXXX immediately in full as we did not want to jeopardize our businesses or reputation. We also thought that by paying the source it would fix the issue faster. We were immensely mistaken. 

XXXX also faxed BoA that day ( Thursday XX/XX/XXXX ). When I called BofA back they said they had not received it and that it takes XXXX hrs to process, which was the first I heard of this. I asked to speak to legal many times but they said that was not possible. So I called again the next day, again they had not received any fax. So we called XXXX again and asked them to again fax both releases. They did so again. I called BofA back again. Still they said they did not receive and this time it xouskntake XXXX hrs, which is again different from what I was told. 

We were beyond stressed throughout this entire time but then had to wait through the weekend. Meanwhile my businesses did not stop and I could not purchase things needed for my business nor could I pay my people, which hurts my businesses and reputation. 

Come Monday, again on the phone with BofA. BoA said they received a fax but it did not indicate releases for both garnishments ( there were XXXX, XXXX for XXXX {$2100.00} and XXXX for XXXX {$710.00} ). So it seems they just picked the lower amount as being satisfied and removed it because they could not tell me which XXXX or how they knew which garnishment it was. 

Again we got on the phone with XXXX and asked them to fax again. We did this XXXX times and each time called BoA to see if it was received. The process was extremely stressful, frustrating, maddening and infuriating as we could not get any resolution from either side and here we were being damaged. Our XXXX accounts were in negative status even though we did our part and paid immediately. 

How is it legal for BoA to garnish triple the amount? They said they were just following orders. XXXX says it was only asking for the original amounts and not more. 

It took many days and many hours of stress and frustration to clear this up. What recourse do we have?
Product: Student loan

I spoke with a representative from Account Contol Technology in reference to my federal student loan. The amount I owed initially was {$1700.00}. I agreed to take a settlement amount of {$1200.00} on XX/XX/XXXX the agreement stated I had until XX/XX/2018 to pay the agreed upon amount. The following month my wages were garnished and have been since XX/XX/XXXX. I contacted my employer and was advised the amount to be garnished ( based on the paperwork received by Account Contol technologies ) was actually the full amount. I have since satisfied the agreed up amount and Account Control Texhnologies is refusing to issue a stop pay.
Product: Credit card or prepaid card

I have recently had my identity stolen and used to fraudulently apply for unemployment benefits. I reported this to the Illinois Department of Employment Security, and they helped me with that issue. A few days later, I received a credit card in the mail from a company called MoneyLion. I have tried to call to close the account and get more information about how it was opened in my name, but I am routed through an on-hold system and unable to reach anyone there. I want to close the account and make sure that no loans were taken out in my name, and that no fees have been assessed to the account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally provided consumer rights to privacy and confidentiality under 1681. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Requested a wire transfer from Ally to my escrow service for closing costs on a home purchase last week. They have not verified my wire transfer and will provide no updates ; I am now in breach of my closing date and am scrambling to get approval for an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complain and I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts and have these corrected : XXXX XXXX XXXX XXXX XXXX Balance {$48000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$310000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX  lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards.

ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; PORTFOLIO RECOV ASSOC XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an alleged debt reported by XXXX XXXX XXXX XXXX on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate compliance with the law. 
Violations and Legal Concerns Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Your agency failed to remove this unverifiable information after my dispute, in violation of the FCRA.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Reporting inaccurate and unverifiable information without proper investigation violates your duty to ensure accuracy.

Violation of Permissible Purpose ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Reporting a debt without proper validation or authorization violates FCRA provisions.

Demand for Action To resolve this matter, I demand the following actions : Delete the disputed debt from my credit report immediately.

Provide me with a written explanation of the steps taken to verify the accuracy of this information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Ensure that XXXX XXXX XXXX XXXX complies with 15 U.S.C. 1681b ( e ) ( 6 ) regarding permissible purposes for reporting this debt.

Notice of Intent to Sue If you fail to comply within 15 calendar days of receipt of this letter, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Reporting your bureau to the state attorney generals office.

Pursuing legal action under the FCRA, seeking damages for non-compliance with 15 U.S.C. 1681e and 1681i. 
This letter also serves as a formal request to preserve all records related to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Checking or savings account

Hi, My name is XXXX XXXX and have been a customer at Chase Bank for the past nine years.My checking number XXXX. Last XX/XX/XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cellphone. 
The concerned pay check in discussion is check Number XXXX maker XXXX bank for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cellphone. 
In the month of XXXX XX/XX/XXXX, I found that {$1800.00} had been cut from my Chase bank account. After inquiring with Chase bank officials, I learnt that the above mentioned pay check was submitted at a XXXX XXXX branch on XXXX. I tried to speak to XXXX XXXX but chase bank manger they said they could not do anything since I was not their customer. I testify here, as I repeatedly told Chase bank, that I never used or made use of any other party to submit the pay check at XXXX XXXX. 

I called and met in person with Chase bank officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. They kept talking to me as if I am the culprit in this scenario. I have been a loyal customer all these years and have used the pay by cellphone - remote pay check deposit option - all these years. I consider myself to have been cheated by theft and later by non-cooperation by my own bank. One, XXXX XXXX issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Second, Chase bank cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. I am considering closing all accounts with Chase bank, and also i want my money back {$1800.00} as soon as possible. 

I do not think any hard earning person who pays their taxes regularly ought to be treated this way. I appeal to the bank officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities and legal procedures. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Mortgage

I received a Default correspondence from my mortgage servicer Shellpoint Mortgage Servicing stating that a default is occurring with my mortgage. I recently received correspondence stating that I was approved for a mortgage modification. Correspondence I received did not state the terms of the modification nor did it state terms of the how many years I had on the mortgage, if it was a fixed interest rate or the interest rate. I was expected to remit the 1st trial payment with out receiving that important information. I need to reassured they will not foreclose on my home and when should I remit the first trial payment.
Product: Checking or savings account

This is for our business checking account with XXXX XXXX. We have had this account opened now for about 40 days. We have deposited checks and they have cleared. I then transferred some of these funds to my personal checking through XXXX XXXX. I then went out to dinner with my wife to use the card and it was restricted. XXXX XXXX froze all of my accounts, will not let me access my funds and can not give me an answer when I can get access to my funds. They have over {$30000.00} in my personal account and over {$12000.00} in a business account.