23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My story is similar to some I 've read. Around or about XXXX XXXX I received an letter to avoid a garnishment, which I faxed on XXXX XXXX. That was the last time I heard from Keith Weiner & Association. Until XXXX XXXX my employer sent notification of garnishment to be effective for XX/XX/XXXX first garnishment payment being withheld. I contacted the paralegal specialist advising I was blindsided by this garnishment and the amount of {$230.00} XXXX would cause a hardship for me and my children being I 'm a single parent and sole provider of XXXX. The paralegal specialist informed me at this point the only option I had was to go to court and request for a hearing. To avoid any more attention to this garnishment and even more the embarrassment I did n't challenge the garnishment amount so for the next XXXX months XXXX was withheld biweekly until the final payment was made XX/XX/XXXX satisfying the debt of {$1100.00} to XXXX XXXX XXXX XXXX XXXX of Ohio represented by Keith Weiner & Associates for collections. XXXX XXXX totaling {$1100.00} XXXX XXXX.Sometime in XX/XX/XXXX I received a notification for Keith Weiner office stating there was a balance of {$470.00} due for interest I called XXXX XXXX who is extremely rude. I tried to explain XXXX XXXX I would send the all if my pay statements showing this was satisfied paid in full on XX/XX/XXXX a final payment letter was sent to Weiner from my employe on XX/XX/XXXX as well. XXXX told me he did care what I had I still owed {$470.00} I asked how {$1100.00} was garnished by court order and that he was going to garnishment me again. I pleaded with him not to do so knowing the debt was satisfied and I could provide proof to XXXX XXXX he stated he did n't want any proof. I hung up very frustrated never receiving any other notification regarding another garnishment. Until I came back to work being out on XXXX for over XXXX weeks. XX/XX/XXXX garnished again by Weiner first payment on XX/XX/XXXX for the XXXX time for an additional {$470.00} in addition to the {$1100.00} with held XXXX XXXX. With the additional amount Totaling {$1600.00} causing and overpayment of {$470.00}. I contacted Weiner requesting my money back and XXXX stating I 'm not getting anything back I have all the cashed cancelled checks and now seeking legal guidance in this matter I 'm in jeopardy of losing my house this has caused XXXX, financial hardship humiliation as well as my reputation at Work.
Product: Checking or savings account

So my issue is I'm a victim of fraudulent transactions that I did not authorize my phone was stolen by someone i knew which also makes this harder to dispute but this happens all the time and we should be protected if something Like this does happen but anyways my phone had all my banking accounts attached literally a press of a button to have access to my accounts which is what happened there was over 12 transactions made to XXXX which was through my XXXX account then the person XXXX XXXX them selves the remaining money or the winnings I'm not sure but over XXXX dollars was used emptied out my account when proceeded to dispute my charges with chime which is my bank they were no help saying I have transactions with the merchant in the past and said yes of course I do its my app but these transactions were not made by me and that's the difference I also provided my time card that proves I was working at the time of these transactions I also filed a police report for these unauthorized transactions and still nothing this is a great amount of money that was spent literally back to back it literally looks suspicious I would never use that much money at once and clear my entire saving never I need some help because this ridiculous I need my money back and it doesn't help that thousands of other people have been experiencing the same thing and not getting their money returned this scares me because I need my money I have XXXX children alo I forgot to mention the transactions in question was just made on XX/XX/XXXX starting at like XXXX up until XXXX I believe also I have XXXX spending limit how they were able to empty my account is beyond me chime just does not protect your money and I am disgusting with their lack of concern I work hard for my money please I'm begging for help with this I also reached out to XXXX and XXXX waiting on responses aswell
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ....
Product: Money transfer, virtual currency, or money service

I was told after a deposit into my paypal account that a limitation was pit into effect for suspicious activity. So they asked me to upload numerous documents to verify my identity. I did so in the time frame requested. Then on XX/XX/2020 at XXXX XXXX i called and talked to a worker at paypal and asked when my account would be restored and was tild by the end of the buisness day. Then the next day i checked and they had permanently banned me from using paypal and are holding all my money for 180 days. I asked to appeal the decision and was denied. I asked if there was anything i could do to access my money and was denied. They never gave me the option to appeal the decision as well as gave me false info about restoring my account. in the state of oregon it is illegal to hold my money without first giving me a chance to fix the issue in question. They couldnt even tell me what suspicious activity it was that got my account banned. I need my money now not in 6 months i have kids to feed as well as a home to pay rent for. I will lose everything if my money is not given to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items 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 and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zell numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serous concerns about consumer safety.
Product: Debt collection

XXXX pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 
These are the accounts that I need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant.
Product: Debt collection

XXXX of XXXX  my identity was stolen since that time several fraudulent accounts have been opened .... this account from XXXX XXXX is one of them and they are trying to collect on a debt that I did not create acct # XXXX
Product: Money transfer, virtual currency, or money service

I have had Vemo for a while now and I have a balance of {$130.00} on my account which started to decline one day. I contacted them to see why. They stated I need to verify my identity in which I did. I sent a copy of my ID. After that I then had to contact them to let them know my account was still locked. Then they stated they need statements for accounts I have on file. I sent the statements intermediatel.I do have prepaid accounts linking to Venmo there I sent those statements. I was then told that The statements I have are not the ones for the cards on file which they are. I even offered to have then contact the bank to verify themselves as I have no problem proving who i am. I spoke to an XXXX XXXX and he said since my card number was not stated on the account he could not take the statement. However I can not help that my card number is not listed on my statement as they normally aren't. its an account number that will be listed. Again I have told them they can call the bank themselves. They keep stating I have not verified my identity when I have sent my ID and also statements. I am demanding my funds be released and my account closed as i do not want to deal with them anymore. They are holding my funds and this is a complete scam. XXXX XXXX stated he will hold the funds for up to 180 days however if I sent everything why not release my funds now. I want to close the account after how they are dealing with this issue. I had to contact them from the beginning, The moment they froze my account they failed to contact me at all to resolve anything!. I do plan on retaining a lawyer if my funds are not released as they could easily contact the bank to verify that the acccount is mine being i sent ID and statements that will match the card on file.
Product: Payday loan, title loan, or personal loan

I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. 
They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue.

I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people
Product: Checking or savings account

On XX/XX/XXXX, I attempted to make a purchase online at XXXX using my Citibank debit card. The authorization didnt go through and I attempted it 2 more times. I then realized I should call my bank as the type and amount of transaction probably caused a flag on my card, some kind of fraud alert. I explained that the transaction was legitimate and asked them to notate my account that I attempted that purchase and would want to do it again. The representative said it was referred to fraud Dept for review, and that my card would be cleared In about 1-2 hours. This was at XXXX XXXX  on XX/XX/XXXX. I called again at around 2 ish only to be told by another rep that it could take up to 48 hrs. This is unconscionable and unacceptable as I called to explain the transaction and I was also thoroughly vetted by them. This account with Citibank and associated debit card is my only source and access to my funds. I am XXXX  yrs old without other resources. Citibank is holding my funds hostage. They would not let me speak to a supervisor when I requested and told me they had no access to the back office to which they kept referring. I spent over 5 hours trying to rectify this situation which - being there was NO FRAUD- should have be solved in minutes. Also, as big a corporation as Citibank is, they disclose no contact information for executive offices/officers. I even called general customer service and said I needed to make a formal complaint and the representative told me there were no issues with my account. I asked her to contact fraud while I waited to make sure. She didnt, but just transferred me to fraud - again- who verified what I already suspected- they had NOT REMOVED THE BLOCK ON MY CARD. I also feel that I am being punished because of the many calls I made to Citibank regarding this situation as the customer service supervisor said, you have made many calls. I said YES, You have basically frozen my funds!!!! I am sick over this
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Product: Money transfer, virtual currency, or money service

I have made.several complaints about XXXX cash out on cash app. The transcations were sent to an debit card that I didn't reconize i reported the incident im a timely matter. Who allows someone else.debit card on somebody else account that doesn't make sense to me and we wouldn't be here talking in there was secruity measures in place. Even you get a warning stating new device need verification well you can still enter your account and do whatever i have verification from XXXX I never verify and still can get in my account so that is useless. Cash app is still not willing to.help you hear the same thing in and out everyday. I resubmitted my information on XX/XX/XXXX, for.them to review my claim called XX/XX/XXXX it was put in as a complaint not a claim all.the hear it will take 10 days well i submitted on XX/XX/XXXX should hear something on XX/XX/XXXX but they said it wasn't put in until XX/XX/XXXX so I have to wait 10 days from the XXXX. When cash app.makes a.mistake they don't try to fix.the issue i have screen shots showing I gave cash app the information XX/XX/XXXX so if XXXX hear anything by the XXXX I should have the provisional credit.on my account which i.know.will not be there. Cash app is going to drag this out to the XXXX day as they do with everything. You would think they would try and fix the consumer accounts as fast as they can and when someone calls in it should.be lool.out we have been doing without because of.all.this mess Cash app needs to get off the pot and do something right with the consumers.
Product: Debt collection

On XX/XX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XX/XX/XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX EXT XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.
Product: Credit reporting or other personal consumer reports

i have multiple hard inquiries that were not authorized by me, i feel im a victim of identify theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, noted there was a change to my personal profile on Capital One site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called XXXX XX/XX/XXXX and was advised the name change is due to creditor reporting. Capital One is the only credit card reporting this change. XXXX advised me to contact Capital One. When I called Capital One, I was advised XXXX is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, I returned the car less than one month later because of problem that they refused to fix. This car company went out of business. My loan was with XXXX XXXX. From the time I returned the car, I was in contact with both the finance company and the dealership. It came to a point where this dealership stop communicating with me, I sent them ( XXXX XXXX XXXX ) a letter though the postal service ( and I still have the proof ) that the manager XXXX XXXX, Told me to send. Around XXXX XXXX XXXX, I received a call from her and she told me that this matter was resolved. It was in my records as resolved, and someone changed it. ( It was changed after I ask for confirmation, go to the backup in there systems ). I called customers service ( records ). Talked to a supervisor and asked for confirmation, they never sent it. Instead, they sold the loan, after my problem was resolved, and never told me anything. I have file complaints with the BBB about this matter before, but never on this company. I received a letter from XXXX XXXX and they tell me that it is a criminal investigation going on and a complaint filed with the Bankruptcies courts, I ask about this said vehicle and he said it is unaccounted for. I do not have this car and it was return legally, not abandon like this company likes to say. Result : I was sent back my deposit from the first company. 
Now the second company tried to force me to sign some shady paperwork witch a VA and personal lawyers told me not to sign, I received constant call from these people and I would like it all to stop. This has been the worst experience trying to buy a car ever. Im being held prisoner to theses unethical companys blunders and mistakes, which I was being proactive in the attempted to resolve. Still to this day, I do not have a 1.Licences to drive 2. A Car, No one will give me a loan with this on my report 3. My Credit score ruined because of this XXXX to at one point a Low XXXX 4.I was called a Liar 5. MY  FREEDOM, I was plaining on traveling around the country in my new car, 10 months later still here. This is taking my XXXX to the next level ( XXXX War Vet ). I would like to find the underlying cause of this and have it done with. I have been OVERLY Penitent about this whole matter from All Three Companys and they have all not shown me the consideration as a viable consumer with this whole matter, I am disappointed as a customer and a consumer and will continue to use ride share to commute because of this horrible experience.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX, CAPITAL ONE AUTO FINANCE, was placed on Notice regarding a Billing Error, by way of certified mail in the form of a CONDITIONAL ACCEPTANCE FOR VALUE letter, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. 
CAPITAL ONE AUTO FINANCE, had to XXXX XXXX to respond back to the ( CAFV ) but failed to do so, as well as to the prove the claim. 

On XX/XX/year>, CAPITAL ONE AUTO FINANCE, was sent by certified mail, Notice of Fault and Opportunity to Cure and Contest Acceptance, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. CAPITAL ONE AUTO FINANCE, failed to respond the second " Notice ''. 

CAPITAL ONE AUTO FINANCE, discriminated against Consumer XXXX XXXX, by submitting fraudulent information to the ( 3 ) credit bureau while a " Billing Error '' is pending