23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Army, Air Force and Exchange Service XXXX " AAFES ' ) and/or its representative XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards AAFES ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when AAFES and/or its representative TSI began contacting the Defense Finance and Account Service ( " DFAS '' XXXX and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or AAFES to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to XXXX on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off AAFES ' claimed indebtedness only {$130.00} or thereabout, was being applied towards AAFES ' claimed indebtedness and the remaining amount went towards fees. 

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
Product: Credit reporting or other personal consumer reports

I requested a 1099C and have not received it. Yet they are still reporting on my Consumer report as charged off and I still owe the loan. They also are garnishing my paycheck 20 %.
Product: Checking or savings account

checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my  employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!
Product: Mortgage

We have attempted to apply for a loan modification from Wells Fargo 5 times. We have a Wachovia pick-a-pay mortgage. Most recently, following the loss of my husband 's job, we submitted modification paperwork. The online HAMP calculator indicated we should have been given a modification but WF declined us again. We are several payments behind but have been making regular monthly payments. They have now written to us saying they will accelerate foreclosure against the property. We believe that the modification was turned down incorrectly and that the bank is deliberately declining to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well this is awkward, the company TD Bank has yet to pay the escrow amount to the owner. As of XX/XX/XXXX, the entire mortgage amount was PAID IN FULL, and therefore the company TD Bank had NO OWNERSHIP in the property. However, they had collected escrow payments in the amount over {$6000.00}. These finds have not been paid to the rightful owner of the property and as of XXXX they appear to be delinquent by over 89 days. Please report the record the TD Bank Mortgage company ( Operations Center, XXXX XXXX XXXX, XXXX, ME XXXX ) as delinquent by 90 days in returning their escrow funds. I have been gracious in letting them know multiple means including a closing company, they are not the owner, and they have been informed by multiple people they no longer have any ownership stake in the property ; however, those funds have not been deposited and therefore are considered delinquent. Since these funds amounts are over {$5000.00}, please let me know if you would consider this a criminal matter or whether it should be referred to a fraud division.
Product: Debt collection

I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.
Product: Credit card or prepaid card

I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by XXXX. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was XXXX being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. XXXX neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of XXXX for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that XXXX is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what XXXX was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of XXXX, they will however say anything and everything to make their actions/claims appear valid.
Product: Credit reporting or other personal consumer reports

This company wrote off my debt as a " Chargeoff '' and so it is now considered taxable income for me. Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports.

15USC 1692 g & 15USC 1681 ( e ) B Ive asked for a 1099c and have not recieved one
Product: Mortgage

I was working with Ditech for a loan modification and unfortunately, i was denied on  XXXX / XXXX /17 due to them miscalculating my income. I received a denial letter stating that I had a 30 day right to an appeal and i would need to submit documents to support the information. I faxed them all updated documents including income documents to support that they had made an error in calculating my income on  XXXX / XXXX /17. Today,  XXXX / XXXX /17 when i called in i spoke with  XXXX  who confirmed the documents were received and they were being set up for review. He then continued to explain how unfortunately the sale date would not be postponed because they needed to have the documents 37 days prior to a foreclosure sale date. This completely removes my right to an appeal because i was not informed of the foreclosure sale date until  XXXX /20/17. I believe this would apply to someone who was not actively in review but i was and followed their instuction. I am now being told i may lose my home because of it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XXXX and I found out that credit reporting agencies still indicate my disputed of items in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days to correct the inaccurate items. The following items are listed below that need attention because it was reporting error in my file. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

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: Money transfer, virtual currency, or money service

I was getting charged constantly for overdraft fees that wasnt accurate. My account was hacked money was taken out of my account several times without the Issue being resolved
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau Subject : Complaint regarding refusal to cash a check issued by United Community Bank Dear Sir/Madam , I hope this letter finds you well. I am writing to file a complaint regarding an issue I am facing with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I kindly request your assistance in resolving this matter. 

On or around XX/XX/2023, I received a notification from United Community Bank informing me that my business account had been closed due to it being overdrawn. During this time my business continued to make small deposits to bring the account current. We received a large payment which provided the bank with all overdraft fees and made the account positive again. At that time when the account was no longer overdrawn, United Community Bank XXXX XXXX made the decision to close the account and issued a check in the amount of {$2300.00} as the final balance of my account made payable only to the business. I am currently unable to cash this check because my divorce resulted in a drop in credit score which is impeding my ability to open another business account at any bank. 

The check in question is made payable to my business, XXXX XXXX XXXX XXXX XXXX. I am the XXXX  of the business and have documentation to provide the bank. Unfortunately, I no longer possess a business account with United Community Bank or any other bank. I do still have a personal account with United Community Bank, however, they refuse to cash the check. Consequently, I am facing difficulties in obtaining the funds that are rightfully mine. 

I have made several attempts to explain my situation to the bank representatives, but they have been uncooperative and have refused to cash the check. I believe this refusal is unjustified, as the funds were issued to me as the account holder, and I should be able to access them without hindrance. 

Given the circumstances, I kindly request the intervention and support of the Consumer Financial Protection Bureau in ensuring that my rights as a consumer are upheld. Specifically, I would appreciate your assistance in mediating a resolution with United Community Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX such as requesting them to reissue the check in a format that can be cashed by an individual rather than a business entity. 

I have attached copies of relevant documents, including the check in question for your reference. If there are any additional materials or information required to facilitate the resolution process, please let me know, and I will provide them promptly. 

I sincerely hope that the Consumer Financial Protection Bureau can help me rectify this situation and ensure that I receive the funds owed to me. I eagerly await your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : 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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


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

My personal information has been compromised. Upon reviewing my consumers report a few months ago, I noticed a few accounts that actually don't belong to me at all. I do not know these companies reporting and I actually was incarcerated during a certain period of time. I will also attach my proof of incarceration as well. 

Here are the accounts XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX, BALANCE OF {$540.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( I WAS INCARCERATED DURING THIS TIME ) XXXX XXXX XXXX OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : 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 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: Payday loan, title loan, or personal loan

i seen on my credit report that there was a loan taken out under my name from rapid cash or speedy XXXX  for {$360.00} and i never opened the account
Product: Checking or savings account

On XX/XX/2021, we processed a debit card transaction to XXXX  under order number XXXX for XXXX for the purchase of a boat engine. We NEVER received the product and we can not get a response from the vendor despite several emails to try and resolve the issue. We have been unable to call as the company is in XXXX.
Product: Credit reporting or other personal consumer reports

I

just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.