23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I GENUINELY dont know if this company is run by idiots, or if they really are the way that they act, but I just think that it is EXTREMELY funny that Ive contacted these people numerous times, to no avail EXPLAINING TO THEM THAT I DONT OWE ANY DEBT TO THEM OR WHOEVER XXXX XXXX IS XXXX!!!!!!! I dont know how many times Im going to have to say this to where they get it through their minds that I HAVE NO DEBT WITH THEM!!!!! And that because of their negative trade line that theyve just added to my credit reports, I will be having correspondence sent to their company detailing that as of XX/XX/XXXX they are hereby notified that litigation has begun against them and their subsidiaries. For falsely placing an erroneous debt against me on my credit, which has severely dropped my score and is preventing me from having financial freedom, so this is a notification that you all are being sued to the fullest extent of the law, and that my attorney has advised me to extend this one last offer before proceedings against you all commence. Stop trying to collect on this erroneous debt, as well as remove your fraudulent trade line from my credit reports ( XXXX, XXXX, & XXXX ) immediately. As well as any other parties involved, or you all will be sued for restitution, as well as for damages, leading to me missing out in past credit opportunities due to you all reporting a false debt, along with covering my legal fees as well. This is not a game or a joke anymore as legal proceedings will commence XXXX, XX/XX/XXXX if this is not rectified by then. This is your last chance to make this right, as my attorney has been guiding me through this process, detailing every step so that way when it comes time to seek judgment against you all, every attempt has been tried. This is your choice.
Product: Money transfer, virtual currency, or money service

A scammer through social media scammed my from my social media XXXX of XXXX dollars. I filed a police report and the detective inactivated my case. The case number was XXXX. I filed a dispute twice with the bank twice and was denied. I also filed a dispute with XXXX XXXX and was also denied. My truist account number is XXXX and my routing is XXXX. My XXXX XXXX XXXX account number is XXXX and my routing number is XXXX. The suspect or scammer XXXX profiles name profile XXXX XXXX account is XXXX and the routing number is XXXX by the owners name was XXXX XXXX but it may possible may not be an owner or unkown XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Truist XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal trade commision case number XXXX XXXX The detective who supposed to be assigned is detective needles. XXXX XXXX  and XXXX only protect from scams or frauds but doesnt protect you once youve become one. I want an investigation as soon as possible
Product: Student loan

I contacted XXXX back on XX/XX/XXXX I was told that my loans would go automatically go back forbearance until I receive a determination. It is now XX/XX/XXXX, my loans are now back into repayment. My Borrower Defense to Repayment is still valid an should be processed in a timely matter.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and wasn't familiar with the inquires so I report it to the three credit beurres and haven't received an response. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit card

Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).
Product: Debt collection

I was sent a letter by an attorney  XXXX   XXXX  wi th Nelson & Kennard   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  XXXX   XXXX    XXXX     XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached from  XXXX   XXXX   XXXX . Not what I requested? Nor was it any help to me.   I am going to reply to both  XXXX   XXXX  and  Nelson & Kennard, b ut have not yet done so as I am requesting help from you.
Product: Debt collection

I get calls all day long from local numbers trying to contact me to collect a debt, which doesn't allow my call protect to work. I have called back to let them know to remove me from there list and they keep calling.
Product: Checking or savings account

XX/XX/2023 : Notified M & T an unauthorized {$200.00} XXXX charge appeared on my bank statement. While on the call, the bank representative noticed another charge of {$67.00}, also from XXXX made the same day of the call. 
The XX/XX/2023 call with M & T about the unauthorized charges was made from my car, with my son, driving back from the XXXX XXXX in XXXX MD. 

On XX/XX/2023, my account was closed, card cancelled, and replacement reissued. 
I was in position of my physical card at the time of the call. 

XX/XX/2023 : Filed XXXX separate claims for the unauthorized charges : Claim Number XXXX ( {$67.00} ) and Claim Number XXXX ( {$200.00} ) XX/XX/2023 M & T sent letter denying the {$67.00} claim, while concluding the {$200.00}. claim was valid. 

XX/XX/2023 : Called M & T to protest their denial of the {$67.00}. Customers Service Representative informed me their reason for denial was " because the physical card was used ( and PIN ) to make the purchase. '' Explained that was impossible, because the card was always in my possession, and I did not make either XXXX purchases. The XXXX store involved in this dispute is located in XXXX AR. 

M & T 's claim my physical card was used to make a purchase in AR while I was driving in my vehicle in XXXX Maryland ( with the card in hand ) is mind-blowing.
Product: Credit reporting or other personal consumer reports

To Whom It Mav Concern. 
I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR. 
In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXX XXXX XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Product: Checking or savings account

So I was told back in XXXX that my checking account was closed due to no funds. To find out my account was under investigation when I didnt know I didnt receive a statement I havent used my bank account since at least the end of XXXX not once I have been banking with XXXX. And theyre checks that are deposited into my account for over XXXX $ my account has never had over at least XXXX $ so they tried to say I did it and overdrafted my girlfriends account by using her grandmas saving account to get the funds of XXXX $ on XX/XX/XXXX or XX/XX/XXXX the bank keep saying. I have never had over XXXX $ if you look at the bank statements youll see the inconsistencies. They have have taken it 2 times saying I was the one who overdrafted it which is not true. I have been banking with XXXX now my credit is going to be ruined because of the negative funds. They say its closed but whos to know when they will replace that money from her grandmas savings account that my girlfriend is on.
Product: Vehicle loan or lease

I was leasing a car for my daughter and lease was scheduled to end in XX/XX/XXXX. Being that my daughter had not found another car yet, I requested from Nissan if we could extend the lease. They said that we could and sent me the attached letter to sign in order to extend the lease. The form states ( in bold ) that except for the changes listed in the letter ( the rate increased to include additional taxes ) everything else about the lease would remain the same. So when I got the next bill in the mail, I ignored it, because I had been doing auto-pay from my bank for the 35 previous months of the lease and had no reason to think that it ended. Even during the lease, I would get bills like this one monthly. I then went away for a few days in the summer and when I got back, there was a message on my home phone to call Nissan. I did, and they told me that my payment was overdue and that my auto-pay had not been carried over to the lease extension. I explained to them why I had not paid the bill ( that I expected that the auto-pay would continue since the letter I got said that everything was remaining the same ) and then immediately went online to pay the bill ( {$190.00} ). A short while later, I got a notification from my credit card company that my Credit Report has been changed. I logged in and saw that where my credit report previously listed my as having XXXX (! ) late payments in 23 YEARS (! ), I now had one. Reported by Nissan. Which caused my credit score to drop by 50+ points. I contacted Nissan and begged them to remove that negative item from my report but they refused ( as indicated in their attached letter ).
Product: Credit reporting or other personal consumer reports

I have requested over XXXX times for the fraud alert to be removed from my credit report. I have also requested copies of my credit report FILES including all disclosures and consents.
Product: Debt collection

In XX/XX/2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XX/XX/2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX. 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I received a very threatening letter from one of the collection agencies XX/XX/2020. ( Account 2 ) Which they violated so may practices. I immediately reached out to the agency, to dispute the allege debt. I also explained that I had already sent filed the complaints mentioned above, and sent this to the agency. 
I was told that they had it, but don't have it on file, and that I need to resend. This was on XX/XX/2020. 
I received a letter from the company, demanding that I do the things that I had already done, when the agency yet to prove any evidence that I owe allege debt. I was sent some of the contract I allegedly agreed too, with no signature, and I was sent part of someone else contact.
Product: Credit card or prepaid card

This is with USAA secure credit card. 

I made a purchase on XX/XX/05 for {$220.00}. The merchant converted my credit card payment to cash via XXXX. USAA charged me for a XXXX XXXX XXXX of {$6.00}. Since the charge, I have been paying a monthly " Interest on Cash Advances. '' The month of XXXX it was, {$0.00}, then XXXX {$1.00}, and XXXX {$1.00}. 

When I called USAA to ask how I can pay this charge off so I am not being continually charged every month for the interest on the cash advance fee, I was told I had to pay my entire card balance off ( which is about {$1600.00} right now ). When I asked if this meant that I would continue to be charged Interest on Cash Advances for the next several years, I was told yes ( until the card is paid off ). 

Each month I pay an additional {$100.00} ( normally the minimum payment is {$32.00} or {$31.00} ) so I pay about {$130.00} or {$130.00} a month. When I asked if any of this additional money could be paid towards the cash advance payment or if I could pay additional money to pay off the amount so I would not be charged each month for the additional Interest on Cash Advances, I was told XXXX. ' The ONLY way was to pay off the entire {$1600.00} balance. 

I have no control over how the vendor handles my credit card payment, so I should not be penalized for the next several years on a 'cash advance. ' Since this is a secure card, I thought I could direct additional money towards the payment of this cash advance? 

I have spoken to XXXX USAA representatives and when I asked to talk to a Supervisor, I was directed to their Resolution Dept, which did not resolve anything. 

Thank you.
Product: Credit reporting or other personal consumer reports

Goldman Sachs bank USA Attn : CFO Goldman Sachs bank USA XXXX XXXX XXXX XXXX XXXX XXXX, UT NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 
2003 ) I have not initiated any transaction with Goldman Sachs. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Goldman Sachs for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Money transfer, virtual currency, or money service

I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan for XXXX. I called today which is XX/XX/XXXX to find out what is my payout amount and date since they have taken the information off their website. At first she told me that I had 2 more payments and the last payment is on XX/XX/XXXX, I told her that that does not equal to 2 payments, that equals to 4 payments, then she changed and said the last payment is on XX/XX/XXXX. I requested to see the documents but they are telling me they are going to forward it to another department and I should receive the information via e-mail sometime today or tomorrow. There is a lot of inconsistency with the business attempting to get more money from me. Again, they have blocked me from seeing the information online on their website, such as the loan documents, ect. I just went on their website and at the bottom I noticed is states that it don't give loans to people in Virginia, Well!! I am in Virginia. something is not right with this company!!
Product: Checking or savings account

Hello, I deposited a check into my checking account on XX/XX/22. I checked my online banking app daily waiting for the check to clear as it was showing the deposit status as " pending '' until XX/XX/22. On that day, the transaction appeared as completed and it was no longer showing as pending. Once I saw the transaction complete, I took the funds. 

Few days later however, I received a letter from Chase dated XXXX, stating there was a stop payment on that check and therefore they had reversed the transaction and had the audacity to charge me a fee for it! When I called their customer service to confront them about this, the representative just gave me an answer that seemed to be from a written script stating that the deposit XXXX take 3-5 days and that I was wrong to think the check has cleared and the funds belonged to the bank as Good Faith! They just reversed the outrages fee, but they were not a single bit sorry about anything. 

I wonder is it legal for a bank to make such an error? Basically showing a check as cleared/settled, fooling me into taking the funds and then changing their mind to take the funds back? What if the money was used for a product or service? What if this was a car I had sold? I would have surrendered the vehicle, signed the pink slip only to find out days later that the check had a stop on it. It just sounds illegal to me and it's frustrating. Attached are copies of the letter from the crooks at Chase along with the letter from them. 

Thank you for your help!
Product: Credit reporting or other personal consumer reports

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since XXXX XXXX and transunion do not have authority to report these vital records.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

When I first got Zelle through my bank, It had no warning before sending if the money/amount and whom it was being sent to was correct.
Product: Credit card or prepaid card

Hi team, I received the following email from mattress firm with regard to my synchrony credit card account. Oddly enough this account was closed back in 2018 and yet they were able to place a substantial charge without any sort of authorization or involvement on my end. I wonder if I was the only person impacted or if this was more common. Also I question the security of a company if they can charge a closed account. 

I called and confirmed this was a valid email ( not spam ). 

Thanks for investigating! 
XXXX Email : Good Morning XXXX XXXX We recently experienced a glitch within our system that resulted in us inadvertently charging your Synchrony Finance Account {$2400.00}. The error has been reported to Synchrony and we are working with their team to reverse these charges. Since this error occurred on the back end of our system neither the store you made your original purchase from nor our customer service department will have any record of this duplicate charge or be able to assist with correcting the error. Please know, we are working to correct this and will send a follow up email once Synchrony has confirmed the charges have been reversed. We apologize if this error causes you any inconvenience. 



Thank You Mattress Firm Customer Care
Product: Debt collection

MCA Management Company is reporting a debt not owed to my credit report. I have filed disputes three times. Debt is a result of a legal action for a person with a similar name to me. I have sent the court records that I obtained from the XXXX XXXX XXXX XXXX to the dispute and it keeps getting confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Product: Debt collection

I have contacted Barclay Bank regarding my credit card several times in an attempt to reach a settlement and pay the debt on the account. Everytime Ive called, no one has contacted me back nor updated the information regarding a response to my request. It is very difficult and disappointing because they havent made any effort to help me resolve my requests on this account.