23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was froze by Key bank, XXXX XXXXg i couldnt use my debit card so i went to the XXXX XXXX XXXX in XXXX and spoke to the manager there he did not know why it was restricted made some calls after which He asked for proof of sale for my farm because i had received a wire from advantage title company who received payment from the buyers chase bank account. I provided the documents, the lawyer who created the documents and notarized them contact information, the title company contact information even the extension of the employee who handled the transaction. This was XXXX XXXX  XX/XX/XXXX. XXXX  noone has provided me with any further information or time when they will or if they will release my accounts. 

I have done nothing wrong and the title company handled the wire transaction i need access to my money. Or at least a reason why this is happening and when it will be resolved.
Product: Debt collection

No one at Direct Recovery Services wants to talk to me. Attached is a screenshot from this morning showing my attempts to reach them at the number they provided : ( XXXX ) XXXX. I even tried the number on the XXXX XXXX  website : ( XXXX ) XXXX but that goes to a VM that is full and can not accept any messages. After speaking with multiple DRS representatives today, XX/XX/XXXX, they seem to have blocked my number and do not wish to speak to me to resolve this matter. According to DRS, I have medical bills in collections which I owe yet they have failed to validate the debt. I have not received any written validation letters from DRS as of today ( mail nor email ). My initial contact with DRS was XX/XX/XXXX. That same day, I received an email opt-in ( which is attached here ) but no debt validation letter. Since they were able to send the opt-in email, I know they have the correct email address and that their domain ( directrecovery.org ) does not go to junk/spam on my end. Today, a DRS representative claimed that a validation of debt letter was sent via mail, then she quickly changed her story and said no letters have been mailed but they sent the validation notice via email. She did not say the date or time that the email was sent and would not provide any info. She did not even offer to send it again. I checked spam folders and have yet to receive any written correspondence from DRS other than the attached email. The burden of proof is on DRS to show me, the courts, and the CFPB that they did, in fact, send me a validation of debt letter via email within 5 days according to FDCPA. Because they have failed to validate such debt in a timely matter and now they won't even speak with me to resolve anything, I believe Direct Recovery Services LLC has violated the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account for a vehicle loan with Freedom Truck Finance in XX/XX/XXXX and have made on time payments to date. The term of the loan was 49 months. Freedom Truck Finance reported my payment history to the three major credit bureaus until XX/XX/XXXX when they purportedly sold my credit account to a different lender. I have since established that this claim is false. I tried to dispute the non reporting of my payments with XXXX  but Freedom Truck did not respond and XXXX  removed that account from my credit report. I have called Freedom Truck numerous times, talked to a supervisor called XXXX but I have not received any help and they claim they continuously send my information to all the 3 bureaus ( XXXX, XXXX  and XXXX  ). All the bureaus show that they last received such information in XX/XX/XXXX. I have my payment history as provided by Freedom Truck Finance, which is in two parts because they claim the new company is now receiving payments ( no one at the Freedom Truck can identify the new company ).
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1681i - Procedure in case of disputed accuracy 15 U.S. Code S 1666b -Timing of payments 15 U.S. Code S 1681e - Compliance procedures I was never late on ally auto please remove inaccurate late payments ( s ) update account to paid as agreed.
Product: Credit card or prepaid card

Ive been with Navy Federal Credit Union for over 5 years. For the past 5 months my credit card has been compromised. I havent had any help from my credit union to retrieve my funds. 
On XXXX XXXX, my wife received a letter from XXXX XXXX XXXX saying that they had a data breach. That over XXXX XXXX of there clients were hacked by a vendor of theres. I really believe that was the reason my credit union has had so much problem retrieving my money. I did send the credit union a copy of the letter we received from XXXX XXXX XXXX. BUT, still they havent returned my money. I received a letter from nfcu saying that my account has been set to a representative to help me with my dispute. Last week I went to my local NFCU and showed them that the credit union has double charged my account. Today I believe that person assigned to my case doesnt have the knowledge or the guidance to evaluate my account properly. Thats why am contacting you. 
Am a XXXX Veteran. I am scheduled to have XXXX next week on my back in a few weeks. I really need my funds as soon as possible. That money will help me during my time off of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 

XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off.
Product: Credit card

I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent 5 letters to them asking for removal of unauthorized account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted an extension from XXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Product: Debt collection

I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.
Product: Debt collection

As noted in the attached, I do not owe this debt. This information was sent to the company. My XXXX was extremely uncooperative when I tried explaining my case. He refused to allow me to speak to a manager in an attempt to resolve the discrepancy. 
I immediately sent an email to the company and proof documentation. 

I sent this communication to the company on XXXX, but I didn't get a response from them. They, however, placed this item as a collection on my report today XXXX- which is now harming my ability to get a mortgage account. 

Email to Pro Collect. 

Company Name : ProCollect Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Hi XXXX XXXX, This is XXXX XXXX, and Im contacting you regarding account XXXX. We spoke earlier. Please see attached proof that I do not owe the debt indicated in this statement. 

As noted on the statement from XXXX XXXX, it states that I owed XXXX for an Earlier Termination Fee - dated XX/XX/20 As noted in the receipt from XXXX XXXX, I bought out the lease on XX/XX/20 per the signed managers signature. 

I have also attached my paid money order receipt which is dated XX/XX/20. 

I know you didnt believe me when speaking to you earlier, and you were clearly unwilling to help me by allowing me to speak with a manager. 

Im also prepared to send you a copy of my credit report to show you that this is not on my credit profile as of todays date. 

Please note that Im also exploring my legal option. I do not owe the debt indicated and noted in my statement. 

I am formally requesting that you suspend your collection efforts.
Product: Money transfer, virtual currency, or money service

Our company XXXX XXXX XXXX XXXX XXXX located in XXXX, China, offered the market the sale of disposable masks and KN95 to combat the Covid 19 pandemic. We made a sale to Puerto Rico of 100,000 masks and our client offered to make the payment using PayPal. We do not usually proceed with these transactions, and we always prefer it to be Wire Transfer. Our client in Puerto Rico made two payments via PayPal : USD XXXX on XX/XX/XXXX and the second payment of USD XXXX dated XX/XX/XXXX. We shipped by XXXX and XXXX and the customer received all the goods. At first, our PayPal account was blocked because, according to PayPal, there was a suspicion of some irregular transaction. We submitted all the documents to verify that the negotiations are correct and regular and after several attempts for many days, PayPal released the account. Our client has repeatedly insisted with PayPal by internal PayPal message to release the money, but until today XXXX XX/XX/XXXX XXXX, PayPal has closed all kinds of communication with us. On Friday, XX/XX/XXXX, PayPal sent our client four emails indicating that their case had been resolved and that the money had already been released to the client. In two emails, PayPal states that the two cases ( claims ) that had been opened by our client, had already been resolved and that the case was closed. PayPal immediately sent two other emails stating that the payments were sent. The XXXX XXXX Bank, which was the one who granted the credit to my client through his credit card, already collected the invoices and my client already paid it. So, PayPal does not have any debit pending with my client. On Saturday, XX/XX/XXXX, we immediately contacted PayPal to confirm the emails that had been sent to my client confirming the payments, but, no notification was sent to us, and worst of all, it was that both on Saturday XX/XX/XXXX as today XX/XX/XXXX PayPal tells us by phone that it is analyzing the case and that in 02 weeks it would give us an answer. It is inconceivable, frustrating, unacceptable, shameful and a great lack of respect that PayPal has not only with its customers, but also with the companies to whom they must allocate the money. It seems that PayPal wants to retain XXXX XXXX for its own purposes and interests and with all its extreme bureaucracy and lack of attention, we do not understand how a company of this magnitude takes these actions, without even taking care of its reputation and dignity. as a company. We need going to international institutions to be able to exercise our right as an honest Chinese company and the only thing we request is that PayPal send us the money that belongs to us.
Product: Credit card or prepaid card

It was brought to my attention by other people that Citibank has overcharged interest and other fees on many of their cards, including store cards. Also, Citibank was the guarantor of the student loans and we were charged interest and fees for making phone payments. I am trying to look into this matter and see where it has affected me, and my spouse, since we carried several Citibank cards, store cards and years with them on my spouses student loans before they transferred them to another company. He had the student loans with Citibank for several years and had submitted all required information to them on the Service member civil relief act but no action was taken by Citibank on this matter.
Product: Mortgage

I requested PMI removal in XX/XX/2022. Paid {$150.00} for the BPO Inspection. I was told that before Caliber would schedule a BPO I would first need to provide Improvements ( if any ) dates and values ( dollar amounts ) of each. I have been in my home for almost 3 years. I have made literally thousands of dollars in improvements over that 3 year period. It would take me hours upon hours to go thru my files, bank records, charge accounts to develop this information. On the other hand, if I submit my request stating I made no improvements, Caliber is telling me that my request would be automatically denied. They also state that this policy directive comes straight from their investors. I purchased at {$220000.00}. The value of my home ( without any known improvements ) per the current market is {$340000.00}. {$220000.00} x XXXX  % = XXXX. I should be able to have PMI removed at this value. Even if my home appraised for a lot less, PMI would still be removed. I feel that Caliber is extorting funds and manipulating their rules in order to receive the extra monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I sent money to someone in XXXX on XX/XX/year>, using the Sendwave app. However, the transaction did not go through immediately as expected and has remained in a pending status. Meanwhile, the money ( {$990.00} ) has been been taken from my bank account. A few hours later, I received an email requesting my ID, which I promptly provided via email, but I never received any follow-up or confirmation. 

As of today, the transaction is still pending. Over the past few days, I have repeatedly requested a refund, but Sendwaves customer service keeps telling me that their system for canceling transactions is down, with no clear timeline for when it will be fixed. I find this situation unfair and unacceptable.
Product: Credit reporting

I received a letter from XXXX stating they have requested to be removed from my credit history. Equifax refused to remove account. I have called and faxed over same letter. They are not being compliant.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX / {$740.00} / XX/XX/2022
Product: Debt collection

I contacted XXXX XXXX  to inquire how utilities were turned on in my name in Pennsylvania. I am a South Carolina Resident. I was informed that a caller with my information was able to obtain utilities using my name and social security number. I was told there was no identification verification conducted. No photo identification or signature was obtained from XXXX XXXX before starting this account. This debt does not belong to me. I have tried to explain this to the Argon Agency as well as XXXX XXXX. This debt remains on my credit report fraudulently. Please provide proof of ownership such as a lease with photo Id and wet signature or remove from all credit reports.
Product: Credit card

yes i cntacted capital one bank on my moms credit card????? about getting a hardship on the loan balance.were they redo the whole loan and get my monthly payments lowered. my lawyer sent them my power of attorney too them???? have not heard back from them too see if they got my power of attorney????? im XXXX XXXX her son.im her caregiver?????
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While XXXX and Equifax both show a XXXX late payment, XXXX has XXXX record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ FINANCE SYSTEM OF RICH ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX XXXX # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.