23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDIT ACCEPTANCE is non compliant with METRO2 Format compliance as this company is aware that it is reporting an unverified auto loan account with my personal information to their system. Credit Acceptance is apart of a scheme targeting minorities with bad credit, and also by refusing to remove inaccurate information reporting on one 's credit report. Credit Acceptance also continues to threaten me with mail stating I owe a debt that is not unverified, and only reporting to one consumer agency XXXX who's also refusing to remove it.
Product: Mortgage

I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.
Product: Credit reporting or other personal consumer reports

Company : XXXX I submitted documentation to freeze XXXX XXXX XXXX XXXX children 's credit. After carefully reviewing the information on XXXX 's website, I gathered identical information for each  child and sent 2 packets of information ( one for each  child ) in the same envelope via certified mail. I made sure to include a note that there were requests for XXXX children within the envelope and each child had their own packet. 
About 10 days later, I received confirmation that credit was frozen for XXXX of my children but a ) mind and their last name was spelled incorrectly on the confirmation letter and b ) I did not receive confirmation for my XXXX XXXX  child. 

I called XXXX to find out what the status is of the XXXX XXXX child 's credit freeze and to confirm the name for the child with the successful credit freeze. 

The first customer service agent I spoke to informed me that I would have to resend the XXXX  child 's information because it " probably didn't have the right documentation ''. After I pushed back repeatedly and said that each  child had the same documentation, I asked to be transferred to a supervisor. The supervisor continued to tell me repeatedly that I needed to send in new information and that they could not check on the name dispute. There was no effort to help my situation and the supervisor refused to transfer me to someone who could help. It was obvious I was dealing with a call center who had no insight into my situation or power to help me. It appears that I wasted a bunch of time carefully preparing these documents and I have no way to confirm if my child 's credit is frozen. 

I consider XXXX  credit freeze to be a scam for XXXX and am extremely disappointed.
Product: Debt collection

XX/XX/XXXX2024 received email from unknown source claiming debt known. Requested proof. Documentation received sometime in late XXXX. Attempted to pay debt to XXXX XXXX XX/XX/XXXX/24 who refused and referred me to TSI. Contected TSI who also refused to take {$41.00}, stating {$50.00} assessment added. I was informed by XXXX XXXX nor TSI of this fee prior to sending bill. Fee exceeds more than double cost of fee, going in to usury.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX
Product: Debt collection

This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

XXXX XXXX XXXX XXXX Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXXXXXX  Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

the collection agency has failed to send the legally required validation of this debt. they have been notified that your actions are detrimental to me and has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. they knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. 

STELLAR RECOVERY INC failed to notify the credit reporting agencies that the debt is disputed.
Product: Checking or savings account

On XX/XX/XXXX, I allowed a family member to make an online purchase using my Chime debit card. Later that day, I noticed the item was more expensive than expected. I asked my family member to contact the seller regarding canceling the order. On XX/XX/XXXX, my family member informed me that the seller said the payment was still pending and suggested contacting the bank. 

I verified that my family member had contacted the seller, then froze my Chime card as a precaution. Later, I unlocked my account and allowed my family member to use my phone to message Chime about the situation while I was present. However, I do not know exactly what my family member said to Chime or if they may have inadvertently said something that led to my account being closed. Regardless, my family member is not the account holder and should not have had the authority to request an account closure. 

A few hours later, I received XXXX emails stating that my Chime accounts were closed. When I called Chime for clarification, the representative confirmed the accounts were closed but refused to provide a reason, stating that it was due to policy violations. When I asked what policy was violated, they refused to specify, citing privacy reasons. I also asked why I was not given any prior notice before my account was closed, but they refused to answer. 

I requested to speak with another representative who might have more information, but the agent refused, stating that they will just say the same thing. When I insisted on being transferred, the agent ended the call. 

Later that day, I called again to request a copy of the policy and user agreement. The agent told me the information was available online. I informed them that I do not have internet access at home and can not use my work computer for personal matters. The agent repeatedly placed me on hold and continued to tell me the information was online. Eventually, the call was disconnected by the agent while I was on hold. When I called back, another agent claimed the disconnection was due to a bad connection and then disconnected yet again. 

Additionally, Chime informed me that my remaining account balance would be sent via a check in the mail. I requested access to my account to initiate a transfer of my funds instead, as I can not wait for a check, but they refused to allow this. 

Chimes handling of this situation has been unacceptable. They closed my account without prior warning, refused to provide a reason, denied my request for policy documentation in a format I could access, and restricted my ability to access my own funds in a timely manner. If Chime closed my account based on a request from someone who is not the account holder, this would be a major error on their part. Their customer service was dismissive, unhelpful, and repeatedly disconnected the call.
Product: Vehicle loan or lease

In XXXX XXXX XXXX I worked with XXXX XXXX, a loan broker with XXXX XXXX XXXX for a commercial equipment loan for my business. He quoted me various loan terms via email and I accepted one of those written options, and requested the contract. The terms were {$33000.00} loan for 60 months@ 15.3 % interest and a monthly payment of {$790.00}. 

My loan was then placed with Financial Pacific Leasing in Washington ( they are a subsidiary of Umpqua Bank ). Payments were automatically drafted from my account monthly and I never received a statement from them. Today, I reached out to Financial Pacific Leasing to request a payoff amount since I've been paying for 16 months, and was prompted to create an online account, which showed my payoff was over {$33000.00}. I told the representative this must be a mistake, and she indicated my original loan amount was {$47000.00} because all of the 60 month 's worth of interest was required to be paid up front, meaning there would be no benefit to paying off the loan early. She also informed me there was no interest rate attached to my loan. This was not what I agreed to in writing with XXXX, and he essentially bait and switched my loan. 

I reached out to XXXX and he said I owe whatever Financial Pacific says I do, and he didn't think I would want to pay the loan off early so he didn't think to disclose that he was in fact financing {$47000.00} on my behalf ( rather than the {$33000.00} we discussed ). But he said this is all my fault for signing the contract without realizing some of the agreed terms had been left out. 

I feel like I've been a victim of predatory lending- I did not receive the loan terms that were quoted to me and the bank and the broker are blaming each other.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

AMEX XXXX
Product: Money transfer, virtual currency, or money service

Company refused to cash stimulus check because it was signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get CHEXSYSTEMS to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts.

I do not validate any of the negative information on my report nor do i consent to CHEXSYSTEMS furnishing such information to third parties.
Product: Money transfer, virtual currency, or money service

We have sent 4 wire transfers from XXXX XXXX  to chase bank as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with chase bank to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Chase bank for not responding and for not reimbursing my funds. 

Date and amount of traansfers XX/XX/2023 - {$30000.00} XX/XX/2023 {$20000.00} XX/XX/2023 {$25000.00} XX/XX/2023 {$25000.00}
Product: Checking or savings account

On XX/XX/XXXX I sent a friends and family payment of {$440.00} on paypal to what was a mutual on social media in the XXXX XXXXXXXX XXXX. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. Paypal told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact Paypal, then I call Paypal and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and Paypal isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are 2 separate charges of {$220.00} labeled ticket 1 and ticket 2.
Product: Debt collection

Service was completed in XXXX XXXX. I received a letter from the debt collection agency while I was out of the country end of XXXX XXXX, but the date on the letter was prior to me even receiving the statement from the medical office. I received the statement from XXXX XXXX on XXXX XXXX, XXXX, I paid the bill on XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX after I received a voicemail from the debt collection agency. They confirmed that this bill was never submitted to a collection agency and they showed I had paid all outstanding balances. I requested they send me a paid statement, which I can provide.
Product: Bank account or service

XXXX in XXXX is abusing elderly clients who use their customer service because they believe the states of our nation are unrecognizable and those of us whose accounts are compromised, they will never deal with ones complaint because they feel XXXX is a foreign country.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXX CREXXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accodance with the Fair Credit Reporting act XXXX  Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was contacted on XX/XX/2021 by the phone number XXXX. I answered the first call at XXXX XXXX, but had a bad connection and couldn't hear the person on the other end. A quick XXXX search of the number brought up XXXX XXXX XXXX Attorney at Law. 
I quickly called back the number wondering why an attorney was calling me. The return call was made at XXXX XXXX. As soon as I called a lady answered the phone without stating whom I was calling. I quickly found out it was a collection agency called Tasman Credit Corp. I asked the lady why their number was tied to Mr. XXXXXXXX XXXX office and she responded with she didn't know why but they used a local number sometimes so the individual calling them back didn't accrue long distance charges. First of all it's XX/XX/XXXX, who doesn't have free long distance? She then gave me the phone number- XXXX ext. XXXX. She said she was attempting to collect a debt. I asked her to send me a validation letter and she emailed one instead of sending it by USPS. She was a little pushy saying that we needed to resolve this before it went to litigation. I politely told her I will get in touch with them once I do some research. Why is it ok for them to spoof a local attorney 's phone number?
Product: Credit card or prepaid card

I applied for a new credit card and XXXX XXXX XXXX denied me because I would only allow a pin-accessed credit pull. I refuse to unfreeze my credit reports because my data was part of the XXXX  data breach. I offered to unfreeze just one of my credit bureau reports but they insisted that they had to pull one at random from the 3 bureaus. Given XXXX XXXX irresponsible handling of our private data, consumers should not be the ones to pay the price ; the credit industry ought to carry that burden and if it comes at the expense of XXXX  so be it. Credit card issuers like XXXX XXXX XXXX shouldn't be able to force me to unfreeze all my reports considering my data has been stolen and unfreezing them would put my credit and identity at risk. At its core, what XXXX XXXX XXXX is asking is discriminatory against those who have had their information stolen in credit bureau security breaches, or who have had their identities stolen in the past.
Product: Credit reporting or other personal consumer reports

I disputed an item on my credit report with XXXX and they have not furnished proper documentation that the alleged debt belongs to me ; they have not properly identified legal ownership of the alleged debt ; they have not provided information that they are allowed to conduct business in the state of my residence which is Texas and they are unlawfully reporting incorrect information to the bureaus.