23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complete TSI Is a 3rd party debt collector I did not give permission for this company to have any of my information I was not given any information from XXXX bridge and tolls To opt out of giving a 3rd party my information This 3rd party is trying to collect more than the debt is originally And I did not find any contract or give them any permission for them to have my information I do not know these people I never signed any contract with these people and they're violating my rights as a consummer I spoke to one of their debt collectors Would she told me that they have a right to do so I asked him to show me the law that says they have a right to do so he could not and I did let him know that I was gon na report him to the CFPB and FTC Fraud because I did not give them any information so they should not have ahold of anything for me Fraud An identity theft I also let them know that the debt is already paid According to Established in 1933 under H.J.R. 192 and exercised So how can you try to collect something from me when it's already paid for and then you have my information without my consent Please forward this information over tooXXXX XXXX XXXX XXXX. 
XXXX  XXXX DC XXXX To : DEPARTMENT OF TREASURY INTERNAL REVENUE SERVICE XXXX XXXX. 
XXXX, TX XXXX To : Consumer Response Center Federal Trade Commision XXXX, DC XXXX Thank you, To collect on the debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. So The law is very clear
Product: Vehicle loan or lease

I just find out wells fargo finance XXXX XXXX XXXX to me for charging me {$7.00} XXXX on my My loan was XXXX My montly payment is XXXX From here they charge XXXX XXXX interest dayly making XXXX on montly interes this is like 50 % interest montly please let me know what can i do thank you
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XXXX CARD + XXXX, CAPITAL ONE + XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to XXXX XXXX. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Mortgage

My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong social security number Wrong addresses Wrong phone number Another names inquiry with other name
Product: Checking or savings account

I had a personal checking, business checking, and credit card accounts with Truist bank. On XX/XX/XXXX, I discovered that my account had been locked when I tried to sign in online. I called and was informed that there was suspected fraud on my account and that they were " investigating '' .Apprently, a XXXX XXXX that I had deposited triggered this. This loan was legitimate in the amount of {$45000.00}. I have the loan documents proving it. Today I was told that my funds were in recovery and is being held indefinitely. This is outrageous behavior for a bank. I want my accounts restored and be able to access my funds immediately or I will pursue a lawsuit.
Product: Vehicle loan or lease

So I have been going through a lot of financial turmoil due to extremely high car payments on an extremely high interest loan and reached out to my lender as well but no solution. Also, adding me to delinquent status tanked my credit report deeply and now bc of this I can not apply for anything & no one else will refinance my loan.
Product: Debt collection

I was charged {$64.00} that was sent to collection. I called  BYL  collection agency over a month ago and paid the debt off. It needs to come off my credit immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : SYNCB/PPC XXXX
Product: Credit card or prepaid card

Basically my account got locked a few months ago for no reason. I then called in and they said they needed to verify where the money was coming from after 2 years of use they ask for this after routinely making payments of XXXX and XXXX a month and often times paying it off monthly. 

I then sent in documentation that says I am the owner of the account even tho it is under a business bank account on a personal card. That did not suffice. 

Here I am months later, still locked out. Cant pay my bill and cant use another account to pay on it either. They have since tacked on fees and credit derogatorys and are unwilling to budge so this is my only route
Product: Payday loan, title loan, personal loan, or advance loan

Subject : XXXX XXXX XXXX XXXX and Their Legal Representative To : Consumer Financial Protection Bureau XXXX XXXX filing this complaint against Credit Karma , LLC XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and their legal representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ongoing unfair and deceptive practices. 

Key issues : XXXX. Unauthorized closure of my XXXX account, negatively impacting my credit score. 
XXXX. Failure to adequately address or rectify the unauthorized account closure. 
3. Offering an inadequate {$1000.00} settlement without justification. 
XXXX. Persistent lack of response from their legal representative to crucial inquiries. 

Timeline : - XX/XX/XXXX : XXXX account improperly closed - XX/XX/XXXX : Initial complaint filed with CFPB ( Case # XXXX ) - Fall XXXX : Settlement negotiations begun with XXXX XXXX XXXX XX/XX/XXXX : Negotiations terminated due to inadequate offer and lack of good faith - XX/XX/XXXX ] : Multiple follow-up emails sent requesting confirmation and clarification - As of XX/XX/XXXX : No substantive response received from XXXX XXXX The lack of XXXX from Credit Karma/XXXX XXXX legal representative XXXX XXXX XXXX of evasion and disregard for consumer rights. This behavior exacerbates the original issues and prevents fair resolution. 

I request CFPB to : XXXX. Investigate the unauthorized account closure and its ongoing credit impact. 
XXXX. Examine the pattern of non-responsiveness from XXXX XXXX and their legal representative. 
XXXX. Enforce appropriate remedies, including potential penalties for unfair practices. 

All relevant communication records are available upon request. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I received a text from PayPal : " For your protection, we've limited certain features in your PayPal account due to suspicious activity. Log in to resolve the issue. '' I also received an email. 

I went to my online account and saw nothing suspicious so I contacted them through their messaging system. I was advised I needed to provide information such as a picture of my license, utility bill or banking statement. 

I have called several times since XX/XX/XXXX to speak to someone, there is no answer. The messaging system is automated. I haven't worked since XXXX, I was sent {$40.00} on XX/XX/XXXX not realizing I wouldn't be able to get my funds. I found a number on XXXX, I called and it was PayPal Credit, I spoke to XXXX who told me PayPal isn't answering their phones and he has no number for them. Once I told him my situation he gave me a number XXXX. There, I spoke to XXXX who was very kind, she said PayPal picks accounts to verify identity of the customer. She would escalate my issue to the " limitations department '' let them know, I haven't received the phone call I was promised via the message center. 

I have told the message center, I was no longer sending information after sending a copy of my license. 

I received a call XXXX at XXXX from XXXX at PayPal XXXX He said he needed a copy of a utility bill and a copy of my bank statement. He stayed on the line with me as I submitted my XXXX bill and I was going to send a copy of my statement without the account number. He said they needed the first page of my statement with account number and all of the transactions on the statement. I refused to submit that information. He said if they don't receive that, my account will be held for 180 days before the funds are available. 

I told him, I didn't have to show that much detail when I bought my house, so there was no way I would submit that information to PayPal over the internet, let alone my bank would advise me NOT to do that. It doesn't make sense. 

I checked their XXXX feed and there are hundreds of customers who have the same issue and complaint. Two personal friends received the same email I received. I checked consumer affairs, same issues and complaints as well as XXXX  page. 

I need help with this situation. It's not just about {$40.00} it's the principle that there is no suspicious activity on my account. The day before a bill was debited from my account. I have other bills I use PayPal for. I'm not even able to refund the money to my friend. 

Thank you for the assistance to this matter.
Product: Credit reporting or other personal consumer reports

My local Truist bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted Truist several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my 20+ years of using credit. They still refuse to work with me to resolve my credit report issues.
Product: Mortgage

In early XX/XX/XXXX, I went to KeyBank at XXXX XXXX XXXX XXXX, XXXX, OH and applied for a home equity loan. The loan officer specifically stated that KeyBank would be in touch with me to request income verification. 
My wife and I received letters from KeyBank dated XX/XX/XXXX ; attachments. And I received a letter dated XX/XX/XXXX denying our application; attached. 
The denial letter listed 1 ) Bankruptcy and 2 ) Excessive Obligations in Relation to Income as the reasons for denial.

1 ) KEYBANK NEVER CONTACTED ME OR MY WIFE TO ASCERTAIN OUR INCOME 2 ) A few days after receiving the denial letter, I went to a different KeyBank branch from the one at XXXX XXXX XXXX XXXX and asked an officer there ( XXXX XXXX ) how long prior to an equity loan application would a Chapter XXXX Bankruptcy have to be discharged for it not to be an issue and she said that a Chapter XXXX would have to be discharged two years before the application. MY WIFE 'S CHAPTER XXXX WAS DISCHARGED ON XX/XX/XXXX ( attached ), WHICH IS ALMOST THREE AND A HALF YEARS BEFORE THE APPLICATION. 
Since BOTH of KeyBank 's reasons for denial are bogus, we believe that KeyBank denied our application on the basis of our ages. I was XXXX in XX/XX/XXXX and my wife was XXXX. 
And when I spoke with a KeyBank rep who called because on XX/XX/XXXX, I sent a letter to KeyBank, I asked how KeyBank obtained our income information, she just said " We have it ''. And when I once again asked from where was it obtained, she said again " We have it ''.
Product: Credit reporting or other personal consumer reports

On numerous occasions my credit was ran without my knowledge/consent. I have called plenty of times trying to see where all request were sent from and havent received any information yet. I get my credit ran for free every week, I would never consent to a credit check when I already have my credit score.
Product: Credit card

Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by phone and by mail about all the inquiries on my consumer report as I have not applied for any consumer credit extensions. I have requested proof of these investigations and outcomes of these investigations and have recieved no information from equifax. My rights to privacy have been violated and I have never given equifax permission to furnish any of these inquiries because I have no idea of any of them. Equifax continues to be willfully noncompliant and negligent on deleting these hard and soft inquiries.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

see attached debt vallation letter sent to company after the outreached me via email XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Radius Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX ( XXXX ) Dear Radius, Global Solution, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges.

Provide me with any affidavit that the Statute of Limitations has not expired on this account.

Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Product: Credit reporting

XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX / XXXX / XXXX / XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX Opened XX/XX/2022 {$440.00}
Product: Debt collection

I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already submitted a complaint and 2 Bureaus removed all inaccurate accounts yet transunion refuses to fix any errors. I've asked for their methods of verification as those accounts don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.
Product: Debt collection

I got hurt at XXXX due to poor training I got XXXXXXXX XXXX XXXX to my XXXX they forced me to go to dr I filed workmans comp they then did a fake in house investigation and tried to blame me. But even if it was my fault as it was not they told me to not worry about the debt that the company would be reliable for the cost since they took me to hospital! They lied I received a bill XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and was lied on I was hurt on the job! Wakefield associates are liars I want off my credit NOW or I will be suing
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The accounts are claiming two different dates for Date of First Delinquency and Delinquency First Reported. This information has been illegally being changed. It should reflect the month first delinquent. On TransUnion, the Date of First Delinquency is reporting as XX/XX/year> yet the Delinquency First Reported is XX/XX/year>. As you know, this is not possible to report this information in this manner and also a violation of my rights. Because of this, BOTH dates being incorrectly reported, this account need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.