23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I noticed 2 cash transactions. 

Transactions took place in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX First cash withdrawal in the amount of {$28000.00} on XX/XX/year> at XXXX hours. 
Second cash withdrawal in the amount of {$15000.00} on XX/XX/year> at XXXX hours. 

Both withdrawals were made inside the bank. 

XX/XX/XXXX, I called immediately around XXXX PST and fraud line would not assist me. They notified me to walk-in to the bank. 
XX/XX/XXXX, I work with XXXX and XXXX at my local XXXX XXXX  and they direct me to get police report after they scan and prompt me to fill-out fraud information and affidavit. New account is provided, I'm also told XXXX XXXX was breached and that was likely how my information got out. 
XX/XX/XXXX, I deliver police report and fraud affidavit. Chase team fails to submit fraud affidavit alongside police report - investigation is stalled. 
XX/XX/XXXX, I call Chase office they confirm investigation has not started due to missing files. 
XX/XX/XXXX, they start investigation after refiling fraud affidavit for second time, this time with XXXX. 

Fast forward to today, XX/XX/XXXX. 

I walked into my local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX where I filed the claim and spoke with the XXXX XXXX XXXX XXXX. 

She refused to provide me the XXXX for these transactions and said she would escalate to some executive office. I made sure to mention that XXXX better have been filed for the structured transactions that took place. I mentioned to her, only after discussing with an expert in this field, that the checks have been filled-out incorrectly missing dates, check boxes, name but it also appears as if the teller wrote-in the account number for the criminal. 

I still have not received any information from Chase Bank. 

It has been 125 days since I informed them, no help was provided during my time of need, and I have not received any written or digital resolution to the claim. 
This is unacceptable to be treated this way for such a large amount of money.
Product: Student loan

I am very sorry to make another formal complaint against members of the Navient 's corporation but they are quite disrespectful towards me when I asked about my payment. You see, Navient lied about how much I have to pay per month.Consumer service rep XXXX was very disrespectful. XXXX was unhelpful about the status of my account and very rude. I asked to speak with an supervisor and she refused me the ability to speak with the manager Personally, it seems like many people inside of the Navient 's corporation do not want me to make payments towards my loan.They keep changing the payment date and the payment account. They are being unreasonable towards me and when I asked them for repayment options ... .they get very rude.
Product: Debt collection

I checked my credit to see an account from JEFFERSON CAPITAL SYSTEMS for XXXX XXXX in the amount of {$440.00}. I have no knowledge of this account as I am active military and deployed overseas.
Product: Debt collection

On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I found multiple incorrect accounts on my credit report that I didn't authorize. Kindly block and remove them immediately.
Product: Checking or savings account

I have been trying to resolve two issues with SunTrust Bank for over seven months. They are unresponsive to my inquiries, letters, e-mails, phone calls, faxes, and voicemails left. Promises of responses when they do follow up go unfulfilled. In response to a previous complaint that I filed with the CFPB, I received a message on the day that I filed it from XXXX XXXX of SunTrust Executive Services advising me that my case was assigned to a Case Manager, XXXX XXXX. Her message assured me that Mr. XXXX would be in touch with me within 15 days. I left a voicemail for Mr. XXXX who did not return my call. After 15 days elapsed with no contact from or response by Mr. XXXX, I called and left a message for Ms. XXXX. Ms. XXXX did not return my call. When leaving voicemails for both Mr. XXXX and Ms. XXXX, neither of their voicemail greetings advised that they were out of the office and/or unavailable. Anything you can do to compel SunTrust to respond to and formally address my issues would be appreciated since, it has become blatantly obvious, that SunTrust has little-to-no intention of responding to and resolving these these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle purchased XX/XX/XXXX.Vehicle was totalled XX/XX/XXXX, 1 car payment had been paid ( XX/XX/XXXX/XX/XX/XXXX ). Insurance adjuster made a settlement ( of {$9100.00} ) with the lender who accepted. The payoff at the time was {$10000.00}, Gap insurance should have covered the remaining $ XXXX.Another car payment ( approx {$260.00} ) was drafted from account, was told that because we didn't cancel autodraft it automatically took out the money and money would be refunded after account was settled and Gap insurance took over. Several phone calls were made to resolve this and refund the extra car payment. Then was told money would not be refunded and we still owed {$15.00} which has now been reported to both our credit reports, and that Gap would only cover {$660.00}, not the remaining {$920.00} at the time setrlement was presented and accepted and bwfore an additional car payment was drafted out of the account.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

West Hill Exchange has been harassing me since XX/XX/XXXX over a debt that was paid off in XX/XX/XXXX. I have provided them with banking info proving that the debt was paid, but still continued to get occasional calls. Now an employee named XXXX XXXX ( whose direct line is XXXX ) is calling me almost daily and threatening me with destroying my credit. When we speak he is nothing but dismissive and abusive, I have offered to show him the e-mail I have already shown to multiple people at West Hill Exchange, but he refuses to provide me his e-mail address. This is at the very least harassment bordering on extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account and have not been removed
Product: Student loan

In XX/XX/XXXX I received a message from XXXX XXXX ( they are servicing my XXXX XXXX XXXX ) saying my loan was in natural disaster forbearance. I was not at all impacted by any natural disasters at that time and I did not request forbearance status. I called XXXX to ask what was happening. They stated that my loan was placed in forbearance automatically. This was the time of the Camp Fire so I can only imagine that their reasoning ( on the surface ) was that the loan originated in California ( I graduated from University of XXXX  XXXX XXXX in XX/XX/XXXX I currently live in XXXX ). When I stated that I did not need forbearance the messaging was along the lines of " don't worry about it you can continue to pay. '' I logged in to my account yesterday to see that my auto-debit had been paused. Interest had been accruing. I was under the impression that my auto-debit would continue. I believe that XXXX intentionally manipulated and mislead myself ( and likely others ) under the guise of being compassionate in the face of a disaster. I have filed a formal complaint via the phone with them directly and requested that the interest be reversed. I have made the missed payments.
Product: Prepaid card

I bought a card for {$490.00} plus {$5.00} fees = {$500.00}, and it does not work. 

I requested a replacement and got a non-functioning replacement card. 

The company representatives falsely represented that they would send a working replacement card, but the company refuses to activate the replacement. I sent all documents requested ( which also were not disclosed, including government ID, etc. ) but the card still says it is " on hold ''.
Product: Credit reporting 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 confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I withdrew {$100000.00} from my American Express Savings Account, which was debited from the account on XX/XX/23. I was supposed to receive the money by bank check. On XX/XX/XXXX, when I still had not received the check, I called the bank, was put on hold for a long time and was eventually told to give it a few more days. The person I spoke to could not tell me when the check was issued, when it was mailed, and whether it had been cashed. On XX/XX/XXXX, when the check still had not arrived, I called the bank again and was put on hold for over three hours while the customer service representative tried to reach someone at the bank who might be able to help. Eventually, we decided that I would fax her a stop payment order, which I did the evening of XX/XX/XXXX. On XX/XX/XXXX, I called back and was disconnected after 30 minutes. I called back again and they confirmed that the bank check had not been cashed. They also confirmed that they had received the stop payment order but it was in a queue waiting to be processed. I requested that they credit me with the lost interest on the {$100000.00} and they refused to do so. I asked to speak to a supervisor during this call, and after being placed on hold for a very long time, was told a supervisor would call me back. That has not happened. It is now more than a month since the {$100000.00} was taken out of the account and despite the fact that they've had the stop payment form since XX/XX/XXXX, the money has not been put back into the account. A second problem I encountered with Am Ex is that during the XX/XX/XXXX phone call, I instructed the bank to wire {$100000.00} to another bank. They took all the information yet the wire transfer never happened. When I inquired about this during my XX/XX/XXXX call, they said I had cancelled the wire request which is absolutely not true. At least that money was not taken out of the account!
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Exhibit B Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. XXXX XXXX XXXX is basically making it an obligation for me to pay on a debt without my direct consent. I XXXX XXXX the consumer never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. No consent is Identity Theft. 

Account Number : XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Money transfer, virtual currency, or money service

Hello Im a fellow user of the app called cashapp. Recently Ive trusted cashapp in sending my stimulus payments to my cashapp using my account and routing number. They money was funded to my account, and now cashapp is saying my account is locked due to suspicious activity which is the activity of me trying to send out the money to friends I personally know. Is been over 24 hours and my account is still locked. I dont know what to do anymore and this is very unjust. Please help me I have no money to my name and need this money dealrly please call me at ( XXXX ) XXXX if anything leave a voicemail
Product: Debt collection

Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT! 
THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF 1099B. 
I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX. 

RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING po box XXXX XXXX, SC XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. 

I have received communications from your agency regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. 

Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. 

Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. 

Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. 

Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. 

Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days. 
Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations. 
Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B
Product: Credit card or prepaid card

I am writing this complaint in respect to fraudulent activities carried out by PayPal in regards to my account. In XX/XX/XXXX, I cancelled my XXXX  credit card ending number XXXX and I never updated my new XXXX  credit card details ending number XXXX to my Paypal account. To make clear, I NEVER gave my new credit card information to PayPal. Additionally, I NEVER gave authorization for PayPal to use my credit card which I never gave to PayPal. 

However, PayPal fraudulently and unlawfully found my new XXXX card details and linked it to my account and charged an amount of {$4100.00} on XX/XX/XXXX. Thereafter, I again cancelled my new credit card on XX/XX/XXXX and I found on XX/XX/XXXX, PayPal again linked that second new XXXX  card ending number XXXX. In fact, PayPal linked the new XXXX  ( which I have not even activated ) only TWO DAYS after it was issued. Again for the second time, PayPal is trying to use a card which I NEVER gave authorization to use. This is fraud on the part of PayPal and it is illegal and it has engaged in criminal conduct which I am making this complaint referral both Federally and in the State of California due to violations of both State and Federal Law. 

Furthermore, PayPal did not impartially look at XXXX improper billing practices because XXXX is a subsidiary of XXXX. Thus, PayPal is not and did not conduct an impartial fair investigation with XXXX due to the fact that both companies have the same ownership. However, for your information, I will dispute all the invoices from XX/XX/XXXX to XX/XX/XXXX with XXXX in a separate matter. However, this particular letter is dealing with the fraudulent use of my credit card which I did not give authorization for PayPal to use.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Action Against Experian for Violations of the Fair Credit Reporting Act Dear Federal Trade Commission, I am writing to formally request that the Federal Trade Commission ( FTC ) take action against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that amount to credit fraud and identity theft. 

On XX/XX/XXXX, Experian accessed my credit report without my written consent, which is a clear violation of my rights under the FCRA. Furthermore, they subsequently deleted my XXXX XXXX XXXX account, which had been paid, closed, and had never been late. The removal of this account not only impacts my credit score but also undermines my financial integrity and trust in the credit reporting system. 

I have attached documentation supporting my claim, including a letter from XXXX XXXX XXXX that confirms their update of my account information and their reporting of this account to all three credit reporting agencies. This documentation illustrates the unjust actions taken by Experian and the distress caused by their negligence. 

I urge the FTC to investigate this matter thoroughly and take appropriate action against Experian to prevent such violations from occurring in the future. The unauthorized access of my credit report and the subsequent deletion of a valid account is not only unethical but also detrimental to consumers like myself. 

Thank you for your attention to this matter. I look forward to your prompt response and to seeing justice served against these practices that jeopardize consumer rights. 

Federal Trade Commission, Experian violated 15 U.S.C. 1681b is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the permissible uses of consumer reports.

Permissible purposes include : Court orders A consumer reporting agency can provide a consumer report if ordered by a court with jurisdiction. 
Subpoenas A consumer reporting agency can provide a consumer report if subpoenaed by a federal grand jury. 
Written instructions A consumer reporting agency can provide a consumer report if the consumer has given written instructions to do so. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

falsely acting as a lender