23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called on XX/XX/20 on behalf of my husband to get written validation of his debt- the agent said that it was sent for not just one debt but a second one we didnt receive any notice for, confirmed our address, but when I asked that they be re-sent ( since we never received notice of this debt until today in a pre-legal notice, never received ANYTHING in regards to the second debt, and never requested the validation from them previously and have never made direct contact with them ), and specifically asked that they be sent certified mail, the agent was extremely hostile and aggressive, and insisted I give her an exact amount that I would be able to pay TODAY or face legal action- despite my insistence that I would need to see those validation letters to confirm the debts and the amounts, and speak with my husband about them before making any payments or promises to pay. She proceeded to badger me with personal questions like what my financial discussions with my husband were like. We still have not received these validation letters, yet am being told if we dont make a payment by XX/XX/20 we will face legal action, including one debt that we have received absolutely NO correspondence about.
Product: Mortgage

We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with XXXX  I recently checked my credit because I was one of the customer from XXXX data breached and I noticed that I had several inquiries on my XXXX  I sent it letters and proof of my address and identity also at the time of all of the inquiries I had a fraud alert on my account however I was advised by them it was on the third party to verify who I was also they didnt remove the inquiries or provide a document explanation that it was me or they completed a investigation. Then I called back I was transferred twice and hung up on by the manager I advised them I did a FTC identity report they still wouldnt removed the inquiries I just want this issue handled and I feel Im being given basically no options
Product: Credit card

I received a credit report update on the XXXX XXXX apps credit journey feature and it said I had a new credit card opened in my name, naturally I panicked. I checked the details and it said I have a balance of {$59.00} and the bank is XXXX. The only remembrance of even applying for a credit check was for a XXXX XXXX credit pull because I was looking to finance a tv. However the credit I was approved for was less than I expected and I told them that I rather not open the credit card. I never received the card in the mail and I never activated anything. So you can see where I am confused at.
Product: Checking or savings account

In XXXX of this year had got a short term load with Bank of America. I notice a few weeks afterwards another account appeared on my online banking. At first, I thought it had it correlated to the loan, but shortly after I paid the load off it was still active and this probed me to investigate. Also, I had started to accrue maintenance fees ( {$4.00} monthly ). I paid them from XXXX to XXXX. Fast forward to XXXX, I have been trying to get this account to close, but none of the representatives I talk to can seem to do so. I've gone into one of the local branches and they couldn't help either. Plus, I asked for a refund for the maintenance fees, they agreed the account was fraudulent and were going to refund the maintenance fee. They only refunded me two months and they put that on the fraudulent account, which I can not access because its a credits only account. I talked to 8-10 representatives who only transfer my call around. It shouldn't take two months to close an account that I didn't open in the first place. Thanks for your assistance.
Product: Consumer Loan

Wells Fargo Auto Loan collections dept. continues to contact and harass me regarding repayment of auto loan after 7 years of payment, garnishing my Wells Fargo checking account, ignoring payment agreements made through Consumer Financial Protection Bureau, and repossession of vehicle.
Product: Money transfer, virtual currency, or money service

I have remaining funds in held for 180 days the amount of {$170.00} after tried to reach out on them and ask if my remaining funds is eligible for withdrawal but they said that it is not eligible so I wait for how many days and when I check my acc but suddenly the money that the they freeze is suddenly gone and when I check the recent activity on my account they convert my funds into US dollar and stole it I tried to reach out with them after what happen but I never recieve any response coming from them so that is why I am here to file a complain against PayPal for stealing my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you investigate this inquire XXXX XXXX XXXX XXXX date : XX/XX/23 On my report to determined who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above valid. Please send me a description of the procedure used in your investigation within15 days of completing the investigation. Thank you for your assistance in this matter.
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, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Electronic Fund Transfer Act ( EFTA ) and regulation E. Such actions has caused significant inconvenience and financial loss, and i see appropriate redress for these violations.
Product: Vehicle loan or lease

Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I havent received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices. 

As of last year I saw on my credit report that it was sold to XXXX XXXX in which I have not received any documentation from either. I have disputed this account with the credit bureaus due to no Written Documentation from Santander or XXXX regarding this debt but it seems to have been reported on my credit report. Santander is in Breach of contract and once a company charges off an account and sends it to an collection agency they are in breach of their own contract by violating the Abritration Clause.
Product: Credit reporting or other personal consumer reports

I have contacted Achieve Personal Loans about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me. The account is listed as Charged Off and I have never received a 1099c Tax form.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX Truck, VIN XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX. I also purchased GAP for {$890.00} and the extended warranty for {$2800.00} as offered to me by XXXX XXXX ; both through XXXX. The payoff amount for the XXXX XXXX was {$5300.00} to XXXX. XXXX XXXX offered financing through Ally Financial. I accepted this offer. My Ally Financial loan number is XXXX To date, XXXX XXXX has not paid off my trade in ; nor has XXXX  received payment for my GAP or the extended warranty. Because I value my good credit, I am continuing to make payments to both XXXX and Ally Financial. I have attempted to get this resolved with XXXX XXXX XXXX XXXX XXXX on many occasions and the General Manager, XXXX XXXX, continues to give me the run around. I have also spoken to Ally on numerous occasions and they claim there is nothing they can do for me. After researching this dealership ( owned by XXXX XXXX XXXX XXXX ) and its relationship with Ally Financial, Ally Financial is knowingly and maliciously financing XXXX 's scam of not paying off trade-ins and not paying the GAP companies. I have attached all of my documentation, news stories of the scam as well as a pending lawsuit involving this exact same situation and as Ally Financial as a defendant. This scam has been going on for several months and Ally was fully aware. I am needing resolution to this situation ASAP and no one is helping me. 


Ally Financial XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, General Manager XXXX XXXX XXXX XXXX, scammer XXXX XXXX XXXX XXXX XXXX, XXXX owner, scammer 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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

6 accounts is the collection I need be removed from my account is bloke my life please
Product: Credit card or prepaid card

I purchased two round trip tickets from New York to XXXX and two one-way tickets from XXXX to New York. However, the return trip from XXXX to New York was cancelled and we were stranded in XXXX for over one and half days. The airlines issued cancellation certificates for all the 4 tickets. I submitted dispute to American Express and credit was issued for the two one-way tickets. But the merchant disputed the chargeback on half of the two round trip tickets by submitting incomplete and irrelevant information. After reviewing the information, I resubmitted dispute three more times. American Express couldn't get me any more information that's satisfactory. Now, they insist that I pay for that charge.
Product: Mortgage

I called the local branch on  XXXX / XXXX / XXXX  and explained that the account was closed in  XXXX   XXXX  and the lien was never released and has actually been renewed. The branch told me to call the  XXXX  number. I called the  XXXX  and after a lengthy hold, spoke with  XXXX  and was told the account is closed and the branch is handling the line of credit now. I asked how can the branch handle the account if it is closed. It was closed on  XXXX   XXXX ,  XXXX  ( I have a letter ) and the lien was never released, it was renewed.  XXXX  said the account is closed it should n't matter. It does matter, it affects our credit and our ability to get a line of credit at another bank. The new bank is questioning why th e Chase  line of credit is still open! Chase is renewing a lien on assets that they do n't have a right to lien as we DO NOT HAVE A LOAN AT  CHASE.  Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of obtaining a mortgage. The report by the recent report says my address is false and is a commercial non-residential ( XPN ) It say " XXXX Red Flag Alert XXXX - Personal identifying information provided is of a type commonly associated with fraudulent activity as indicated by internal or third-party sources used by the financial institution or creditor. '' It also adds in their message to the mortgage company " this may indicate the applicant is attempting to take-over the identity of another consumer ''. It goes on to say I have 38 seriously delinquencies and public record or collection filed ; 18 number of accounts delinquent ; 10-proportion of balance to high credit on bank revolving accounts ; 14-length of time accounts have been established. '' this simply does not describe me or my credit. It almost sounds like they have pulled the wrong XXXX XXXX XXXX. The few credit cards I have are either at a XXXX  balance or the one with my bank ( that I've banked with for the last 13 yrs. ) is at 30 % of available credit. My address has been the same for 2 1/2 yrs. and is a mobile home park, that has been established for over 25 years. Everyone in the park has the same address except each of us must add our Lot # to receive any mail. I'm so upset that they have painted such a negative picture of me. I own my mobile home and pay taxes. This type of " RED FLAG '' false information will never help me secure a mortgage to move back where my family resides. The company name providing this false information is Informative Research.
Product: Credit reporting

this not my report # XXXX so please remove from all XXXX reports
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, Paypal sent me an email informing me that my account has been permanently limited and that I can no longer do business with Paypal because Paypal had detected activity that violates Paypal 's buyer protection policies. After researching the matter, I discovered that I had in no way violated Paypal 's buyer protection policies and that it was not possible for me to have violated Paypal 's buyer protection policies because I never had any transaction dispute claims filed for any of my transactions. I immediately tried to notify Paypal about this matter over the phone, and was shocked by the tone-deaf response of Paypal customer service whom insisted that the decision was final and could not be overturned despite the fact that their accusation was false and could be easily be proven false with a review of my account 's transaction history. Due to Paypal 's unwillingness to address the problem and acknowledge their error for permanently limiting my account I filed a complaint with the XXXX XXXX XXXX to hopefully get an amicable and viable resolution. In my complaint I specifically addressed the reason for Paypal 's decision to permanently limit my account, and disputed their claim that I had violated Paypal 's buyer protection policies. The response I received from Paypal for my complaint was outrageous, due to the fact that Paypal failed to address the nature of my complaint by refusing to acknowledge that they made an error in accusing me of violating policies that I clearly did not. Furthermore, Paypal 's response to my complaint took things one step further in the wrong direction by falsely accusing me of having multiple accounts and sending money to myself. Paypal claimed that the accounts I have been transacting with share the same name, address and social security number. Becoming very concerned about these new accusations, I contacted Paypal to get more information about these other accounts with my name, address and social security number, because I only know of having one account with Paypal. It was eventually disclosed over the phone that Paypal had falsely assumed an account that belongs to my brother was mine. I explained to Paypal that my brother and I have different names, addresses and social security numbers which the representative confirmed. In my last phone conversation with Paypal, the Paypal representative also admitted that I did not violate Paypal 's buy protection policies after a review of my account history but refused to overturn the decision to permanently limit my account. Despite the all the evidence that is available to Paypal, Paypal refuses to acknowledge its error in taking such adverse action against my account for false reasons. It is despicable that Paypal would refuse to restore my account when it is evident that Paypal has not performed its due diligence which resulted in falsely accusing me of things that are untrue and ultimately banning me for life.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by someone impersonating a Huntington bank employee for a grand total of {$3000.00}. This individual text me that someone was attempting to make a XXXX transaction of {$1500.00}, the individual spoofed Huntington 's main customer service number and explained to me on the steps I needed to take on Huntington 's mobile banking app to reverse this XXXX transaction. The next day XX/XX/XXXX the same individual called me from Huntington 's number again and instructed me on how to redeposit the funds that were taken out of my account the previous day.

I had immediately contacted Huntington when I did not see the {$3000.00} in my account anymore. Since XX/XX/XXXX Huntington has had this information and has yet to give me an answer on this investigation. I was initially told that the likely hood of me receiving my money was slim since I had to authorize the transaction through XXXX. I was coerced into sending this transaction.
Product: Checking or savings account

Checking account fees. I had {$9.00} available in my checking account. So I deposited a personal check to my checking account of {$250.00}. Bank of America released the funds for me to use immediately. So I used them. Two days later on   XXXX / XXXX /20  17 t he bank decided to place a 10 day hold on that check. This caused my account to now be " overdrawn. '' At this point, they charged a {$12.00} fee for transferring funds from my checking account to cover that  ( after 20 minutes o n the phone with a supervisor, I got that {$12.00} fee reversed ). There was not enough in my savings account to cover all the amount overdrawn, so after 5 days of being overdrawn, there will be a {$35.00} " extended overdraft fee '' charged that they said ca n't be reversed. From my perspective, the bank released the funds for me to use and took them away 2 days later just so they could charge me more fees and tell me there is nothing I can do about it. This feels like a purposeful entrapment policy. Also, the check is good and the funds will eventually be released. It 's just the fees I will be charged in the interim.
Product: Checking or savings account

The financial institution in reference, received a deposit of {$81000.00} on XXXX. They suspended the account on XXXX without notice. I went to login online and was unable to and reached out immediately to find out why. Then the very next day on XXXX sent me an email stating they have closed the account. No transactions were made using this account, yet they closed it due to unusual activity. Not XXXX single action took place and within 3 days they denied me access to the account and requested proof of identity. I sent in both my previous and current drivers license and verifiers my XXXX and for over a week did not get a response from them. Nor did they give me any additional info as to whats going on. So for over the past month I have emailed and called endlessly to get a resolution but there has not been XXXX. When asking about the balance of the account, they have said they are not releasing it and Im not sure why.