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

I send funds to a individual that was selling a product online. I use my bank account to send funds through XXXX to the individual and the person never send me my product and not responding to any emails. The date I send the funds was on XX/XX/2019 of {$600.00}. I called my bank and expressed to them on the same day I was being scammed. The bank said it couldn't return the funds to me because it were already sent to the other person bank.
Product: Debt collection

On XXXX XXXX, 2017 I drove a friend to a XXXX for an initial appointment. The XXXX is XXXX XXXX. The office manager, XXXX XXXX, tried to be all friendly, like a used car salesman. Said my friend needed all sorts of XXXX work but her credit was bad. Then asked if I would cosign for her. I finally said OK. He took my information. He wanted me to cosign for her, then had me sign some simple form saying I would pay ( enclosed ). On XXXX XXXX, 2017 I had convinced my friend they were just scammers. We faxed an initial cancellation to them, which they received. A few days later, a credit card appeared in the mail with a charge of {$11000.00} on it. I called CareCredit and told them I never asked for or filled out any form requesting a credit card. The office manager at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, did all this without my knowledge or approval. I never saw any credit form. I have sent the bank, which is Synchrony Bank multiple copies of faxed notes to XXXX XXXX XXXX XXXX XXXX ). XXXX has never replied nor tried to cancel the credit or return the bank 's money. I consider this as Fraud, not a billing problem. I am contacting CFPB with the initial complaint against XXXX. They have taken advantage of senior citizens by scamming them into paying for things never received or done. No services were ever done for me. I just drove my friend there and was pressured into signing as a cosigner. But the entire thing was cancelled on XXXX XXXX, 2017 and XXXX provided nothing except the initial office visit. XXXX has never tried to collect from my friend, but they have charged XXXX as much as possible without providing anything.
Product: Checking or savings account

Every tine a deposit is made that the CHASE bank does not think is proper it closes my accounts. Bank in XX/XX/XXXX I had a small overdraft that I attempted to correct, less than {$10.00} most likely less then {$5.00} by joining my XXXX XXXX account. when XXXX XXXX tried to verify the Chase account thru two small deposits of less than {$1.00} the bank, Chase, refused the deposits. I attempted twice to full filly my obligations by using this means. After the bank refused the deposited it charged me up to {$500.00} in fees for their failure to accept the linkage. My account was then closed. Finally I had to settle with a nasty Chase collector, he was located in TX, in XX/XX/XXXX. just to end the argument and not submitting my lawyers " Indigence ''. For a XXXX dollar over draft I had to endure over active bankers trying to make money on their own failure to give proper service. 

Just Recently after having several deposits from individuals not be legitimate, the bank, Chase closed all my accounts for the second time. For up to ninety day I was told that the deposits were good and received, then with out notice I was being investigated and my accounts close. Nothing i had done personally or with any fore knowledge had case the problems. 

Chase will tell you that they do not discriminate, but this is a falsehood on their part. As they do discriminate. When they do not want to give good service, Chase will treat their customers without regard to good customer service, treating their clients as if they were thieves with out good cause. They treat small accounts differently from large accounts. Because they are willing to be more compromising to larger accounts than smaller accounts. 

No one is perfect and is above have a few problems during a relationship with a company that spans many years. How ever Chase does not make mistakes and if they do they throw them into the street so that they are hidden and do not affect it data reports. 
And the employees are safe from any negative exposure. Chase is a large organization that its employees hide their bias and bad service by aggressive handling of accounts. At Chase the employees want large account for their egos and the have little regard for the small accounts My opinion about chase and it treatment of me is that it believes it has a monopoly, Therefor CHASE needs to be broken down into smaller parts. CHASE need to come down from it ivory tower and learn about the real world and that XXXX happen to good people from time to time. XXXX also told XXXX they were were of the earth and so must endure the world as everyone else. Banking brought us in to the digital age and with it cam all of the problems of a new system and all of its faults. Throwing the baby out with the dirty water does not make sense. When it is ordinary to get dirty.
Product: Debt collection

The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.
Product: Credit reporting

Experian is reporting a XXXX account as charged off in XXXX. I disputed this information because this account was charged off XX/XX/XXXX. XXXX is showing the correct charged off date. Experian updated the account with the incorrect charge off date. They refused to further investigate the account and will not allow me to re-dispute the account online. This is incorrect information. I would like to have the correct charge off date reported or remove the tradeline from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against SYNCB/Rooms To Go for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that SYNCB/Rooms To Go corrects the error and updates the information with the credit bureaus. 

The inaccurate late payment appears on my credit report as follows : Account : SYNCB/Rooms To Go Date of Reported Late Payment : XX/XX/2017 I kindly request that the CFPB investigate this matter and facilitate communication with SYNCB/Rooms To Go to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. 

Thank you for your assistance in this matter. 
XXXX XXXX XXXX
Product: Debt collection

This Account was opened fraudulently and not by me. This is a violation of my rights as a consumer. I am human. There is no 3rd party involved. I have reported to FTC. There are duplicated fraudulent accounts. I have attached the FTC Report. The following accounts need to be removed from my credit profile ASAP.

Following Fraudulent Duplicated Accounts : XXXX XXXX XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Prepaid card

So I have a balance on my XXXX bofa debit card and I'm trying to get rhe balance they keep telling me to refer to my sponsor but my sponsor is telling me that they have sent them to unblock my account and there not doing it and there saying it's all bank of america they have no way to unlock it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Ive just reviewed my credit report and noticed the following inaccurate item ( XXXX ) : XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

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

There was a hard inquiry on my account that I did not apply for.
Product: Credit card

Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.
Product: Vehicle loan or lease

Wanted me to take the car a hour and half away to a shop. I have no way back home. Only have had the car a week and half. Took to XXXX and gave a whole list of stuff along with bad back brakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion to remove the inquiries from my reports that do not belong to me. It was proven that a gentleman at a dealership that i went to was doing fraudulent activities and used my credit. I have Sent in all verifying documentation to transunion and they refuse to acknowledge or remove this inaccurate inquiries.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the unjust seizure of my funds and the indefinite suspension of my XXXX account, as well as the lack of assistance from Bank of America in resolving this issue. 

On XX/XX/year>, I completed a transaction involving the sale of cryptocurrency on XXXX. Funds were transferred to my XXXX account from multiple sources as agreed with the buyer. After releasing the cryptocurrency to the buyer in good faith, XXXX revoked my access to the platform and seized my funds without providing any notice or explanation. 

I contacted Bank of America, the financial institution providing access to my XXXX account, to resolve the issue. However, they informed me that XXXX had made the decision unilaterally, and Bank of America could not assist me further. The reference number provided by Bank of America for this case is XXXX. 

Additionally, I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  regarding this issue. I have received responses from both XXXX and Bank of America through that process, and I am prepared to provide those responses as supporting documentation for this complaint. 

This situation has caused significant financial and emotional distress. XXXX advertises itself as a secure payment platform, but this experience undermines that claim. Furthermore, Bank of Americas refusal to provide support in a matter involving a service they facilitate is deeply disappointing. 

Neither XXXX nor Bank of America has made any effort to investigate the situation or provide a clear resolution. I did not receive any notice from either company informing me of any allegations of unauthorized use from my side or any specific claims against me. 

Instead, both companies have treated me as if I am guilty without due process or proper investigation. This lack of communication and transparency is deeply troubling and unfair, as it disregards my rights as a customer. It is unacceptable for companies to take such unilateral actionsblocking access to my account and seizing fundswithout providing any explanation or opportunity for me to address the issue.
Product: Student loan

My original loan amount ( principal ) was just over {$6000.00}. as of the year 2006. Over the course of years, I was never offered any viable alternative when I was struggling, other than forbearance. As a result, I have paid in interest, the amount of the original principal amount, and am being told that I still owe {$6000.00}. This whole experience with Navient is one that organized criminals would envy. This criminal financial instrument they use, while denying borrowers of reasonable options. - I have never defaulted on my loans, but I may soon have no choice. I took out loans for {$6000.00}. Paying up to {$18000.00} is the definition of usury. This is criminal. I should have been informed about other options, other than forbearance.
Product: Credit reporting or other personal consumer reports

15 USC 1692g ( 807 ) : False & misleading - The Bureaus, Inc is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- The Bureaus, Inc is not licensed in the state of Washington . Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in XXXX  state .
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for a small loan and was approved for {$920.00}. I was told there was an option for 18 payments and that my starting payments would be for {$260.00} twice a month on my paydays. I thought this seemed high but figured I misunderstood and agreed. I was never told that the yearly interest on my loan will be 633.72 % until I got my signed agreement in an email. I'm stuck in a desparate situation to pay my rent, but I am hoping to find another solution so I can cancel this loan before the deadline on XX/XX/XXXX, but I don't think will happen and I will be forced to pay a total of {$4700.00} for a {$920.00} loan. This seems illegal so I am also looking into this further.
Product: Debt collection

Paramount Recovery Systems, LP. located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX sent me a bill for {$740.00} on XX/XX/23 and they won't give me any indications of what it is for. I requested them to give me more info and they won't. I can't confirm this is a legit charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XX/XX/XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX three times which each agency, they continue the report in accuracies
Product: Debt collection

This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
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15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
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Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
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I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
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It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.