23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Ex received a letter from CCSXXXXXXXX  ( Credit Collection Services ) about a debt owed to XXXX XXXX My ex lives on an address that i've never lived on, the letter had her address but MY name on it. We both have NEVER used XXXX XXXX. 

Talking to CCS they seemed sketchy and not providing much data. I've informed them that I'm not paying the debt and would like a debt verification letter with their proof that it's my debt. 
They couldn't give me any information about the debt and informed me i should call XXXX, they tried to patch me through to a number that is not registered with XXXX I called XXXX customer care and informed them about this. They informed both me and my ex that no money is owed and that there was no history of this either. 
I called XXXX fraud department and they've concluded the same and told me it was most likely a scam.
Product: Bank account or service

TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.
Product: Debt collection

XX/XX/2021 someone committed fraud in my name and opened up credit cards in my name without my knowledge or permission. One of these cards was Affirm. They used this card to buy kitchenware for XXXX. I did not order this or receive this I contacted the company in XXXX regarding this fraudulent activity. I have now been sent to the credit bureau and my credit score has decreased due to this. I did not open this account and am not responsible for the payment.
Product: Student loan

To whom it may concern, I graduated from college in XXXX. It is now XXXX and my loan has gone from XXXX to XXXX. 
I consolidated my loan to help me get all my loans in one place, this averaged my interest rate and actually make my debt load more. 

I spoke with someone recently at XXXX XXXX XXXX and inquired about lowering my payment. The problem is lowering my payment on a income based repayment plan isnt helping because its the interest that continues to accrue and then balance that continues To go up not down. 
The woman I spoke to explained to me that my interest at 6.38 % is {$13.00} a day, which is XXXX a month. My {$290.00} monthly payment doesnt even get to the principal balance. If I choose to defer my loan when I have trouble paying the interest is capitalized onto the principal balance and again my loan goes up not down. 
I have a XXXX XXXX that I owe XXXX dollars on and have paid on for 7 years. The more money I make the more I need to pay so I can never get ahead. I cant find a job with my degree and cant go back to school because more loans. 
I am writing to try to get somewhere. Ive asked to lower my interest rate to refinance to potentially change companies ( although this companys customer service has answered my questions ) I do feel like I am being taken advantage of and really in a place of desperation as I have children and work as hard as I can and will soon need to retire myself. 
I dont understand how this company can basically add so much interest that the loan has more of a balance than when I started paying. XXXX more and it will keep growing not shrinking. She said if I defer to keep up on interest. I can not pay XXXX a month in interest when I cant afford my $ XXXX monthly payment. 
Both my parents are deceased. I am the first one in my family to attend college. I would like to help my children with college. Is this the America Dream to die from student loan debt? 
I am a XXXX female. I am educated. This feels unfair. I wanted to be a XXXX. I wanted a career. I had a dream of helping children. I cant go back to get a XXXX   certificate because my student loan debt is to high. 
I feel sorry for our future generations of this is what they have to look forward to. Why cant student loan companies charge a reasonable amount of interest and not try to punish you when you struggle to pay or cant afford the maximum payment? Can something be done to make XXXX XXXX more fair to its borrowers? Isnt this company with the Department of Education? Why are they trying to make so much money off of us? What can be done? 

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

There is a credit card card and credit card debt that I do not recognize at all. I have never applied for, signed for or received a Discover card with a {$4100.00} credit limit. This information is on my credit report and should be removed. I am demanding verification and validation of a Discover card with a {$4100.00} credit limit.
Product: Debt collection

Have been patient with this medical facility since XXXX. A change in doctors was done on XX/XX/XXXX due to unprofessional conduct from the previous physician. Trouble began with XXXX XXXX, with over billing, miscommunication, nurses giving out bad information and overruling my decisions on products and services. During my XXXX he allowed XXXX the procedures already discussed with me. She wanted to XXXX when the arrangements were for XXXX services only. My XXXX visit his office billed my insurance 3 times. From then on, after XXXX, they were Balance Billing me. Their fees did not match my insurance company Explanation of Benefits. This was very confusing and would have cost me much more than what I owed. On XX/XX/XXXX they billed me {$2300.00} for the XXXX performed XX/XX/XXXX. A final notice was received XX/XX/XXXX. During the whole process I got harassing calls XXXX harassing calls during XX/XX/XXXX. Since XX/XX/XXXX I have paid them {$3400.00}. Of the {$2300.00} only {$1700.00} remains. A check for {$300.00} was mailed XX/XX/XXXX. On XX/XX/XXXX CSR XXXX pressured me by saying I needed to pay the {$2300.00} within 120 days for it would go to collections. I advised him I agree to pay what I owe but I was neither informed of this procedure and in no way understand why I 'm being pressured even-though XXXX XXXX XXXX has been receiving constant payments from me. They followed through on their threat. A letter from Automated Collection Services XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX, Ca XXXX was received XX/XX/XXXX. I informed XXXX that I thought collections procedures were designed for people who failed to pay for services rendered and expressed my dissatisfaction with their Robo calls and other tactics used in dealing with me. XXXX should be made to inform consumers of their 120 day payment in full billing guidelines. Either way, I would not have agreed to this and it seems unlawful.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX against XXXX for failing to properly investigate my XXXX regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protect Act, as highlighted in the CFPB 's recent administrative proceeding against them for similar violations, I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof investigation.
Product: Checking or savings account

Hello, Relay Financial closed my account with little to no information as to why. I have a balance of {$22000.00} that I need they said they would send me a check. I honestly don't trust them. I can give more details later but my main concern is them actually sending me this check.
Product: Debt collection

On my credit report, I have 3 accounts in collections. I am currently on Medicaid and have been since the beginning of last year. Medicaid said the accounts should already be paid but of course they were sent to collections and now my credit report has since spiraled downhill for a bill that should have been paid. I called my doctors clinic and reported that Ive been on Medicaid and it was already in the system. I then took the steps to contact Lockhart , Morris & Mont but they will not call me back or take my Medicaid to pay it off. I need help because I have Medicaid and everything should be handled. My credit report is suffering because of this
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Prepaid card

I am making a complaint for two different fees. About a week or so ago I went on the cash app app to see if I could qualify for a glitter card. Once I submitted the information to try to get it I thought they would take the {$5.00} out of my cash app account once money was deposited into my account. At that time I didnt realize I had another card linked to my cash app account. Cash app took the funds from my external card that was linked which I didnt want it taken out from that card. I immediately called them to cancel the shipment of the glitter card so I could get a refund back on my linked card. Cash app told me they canceled the shipment of the glitter card but wouldnt refund my {$5.00}. This was the main reason I canceled so I could get that money back into my account. They refused to refind the money as I mentioned but canceled the card from being shipped. So I was charged for nothing and they kept my money! The second thing is cash app has a borrow limit on my account where I am able to borrow up to {$25.00} from them and pay them back with different options. I was suppose to pay them back yesterday but paid them a day late. I was sent a notification from them saying if I didnt repay it by XX/XX/2024 I would be charged a extra {$5.00}. Today is XX/XX/2024. I was sent a deposit today and cash app immediately took that {$1.00} from my account! I contacted them by phone and the man told me he would help. He placed me in hold saying he couldnt help. The only way to speak to cash app about this was by email and they would contact me that way. I asked him why did he even place me on hold when I had already explained the issue to him and he knew they only contacted through email about my concern?! It was a waste of time placing me on hold acting as if he was going to help. Also why would they need to contact me by email if I was already on the phone with them!?! Cash app is well known for taking your money or allowing others to take your money and not helping retrieve it back especially if the merchant is a scammer! A while back I paid a merchant {$200.00} and the merchant told me they didnt receive my mo ey I sent them but it showed on cash app it was sent to them. Cash app did NOTHING about giving my money back at that time. Cash app needs to be removed and held accountable for how they are doing their customers! They false advertise and say you dont owe something until a certain date but still take your money
Product: Vehicle loan or lease

We had a vehicle totaled with USAA. The USAA insurance finally paid the USAA auto loan to pay off the loan. It is currently showing as a XXXX balance. The agreement has been signed and was originally sent over 3 weeks ago. I contact USAA to get the over payment back. They took an auto payment they should not have and are now saying it will take over 2 weeks to process the refund of the payment. This is unacceptable. They continually advertise their fast and actuate claims payouts. I have not seen this at all. Now these incompetent people are refusing to issue a refund in a timely manner. The payment has posted to the account so they obviously have the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>
Product: Checking or savings account

Someone Impersonated my Identity and took {$9500.00} cashiers check at Chase branch. I filed a claim in chase claim department, and chase are denying it. I do have a police report and I sent the actual police report to the claim department. at this point. Im really frustrated about the way chase is not handling a situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against USAA Federal Savings Bank ( FSB ) in response to their inadequate and misleading response to my concerns regarding my credit card accounts, as outlined in their correspondence dated XXXX XX/XX/2024. To which I've received no response or the requested documentation. Furthermore, I wish to bring to your attention that I have lodged a separate complaint with the Securities and Exchange Commission ( SEC ) for securities fraud perpetrated by USAA FSB. As detailed in my previous correspondence with the Consumer Financial Protection Bureau ( CFPB ), I have encountered significant issues with USAA FSB regarding the handling of my credit card accounts. Despite my attempts to address these concerns with USAA FSB, their response has been dismissive and fails to adequately address the issues raised. In addition to lodging a complaint with the CFPB, I have also filed a complaint with the Securities and Exchange Commission ( SEC ) for securities fraud committed by USAA FSB. The response from USAA FSB further underscores the need for regulatory intervention to address the unlawful practices and fraudulent conduct perpetrated by the bank. USAA FSB 's actions, as outlined in their response, constitute a clear violation of securities regulations and demonstrate a pattern of deceptive and fraudulent behavior. By denying presentation of payment and refusing to address legitimate concerns raised by customers, USAA FSB has engaged in conduct that undermines the integrity of the financial system and jeopardizes the rights and interests of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, TransUnion, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But XXXX and TransUnion have not deleted it yet. It has been more than 30 days.
Product: Credit card

On XX/XX/XXXX, I mailed a Negotiable Instrument ( a United States Post Office Money Order ) No. XXXX as Tender of Payment in the amount of {$5000.00} to WELLS FARGO BANK , N.A . along with the Letter of Instruction to credit my credit card account accordingly in order to balance the account and set off any alleged debt obligations. My Negotiable Instrument ( tender of payment ) was mailed by United States Post Office Certified Mail with Return Receipt ( tracking no. XXXX XXXX XXXX XXXX XXXX XXXX ). The Negotiable Instrument and Letter of Instruction both were delivered and signed for by XXXX of WELLS FARGO BANK representatives on XX/XX/XXXX, at XXXX a.m. Neither on XX/XX/XXXX, nor any other day has WELLS FARGO BANK representatives ever credited my account for this payment ; they never even returned my Tender of Payment. In summary, WELLS FARGO BANK representatives failed to get my Negotiable Instrument ( Money Order ) or Tender of Payment to the right department therefore it was NEVER deposited as instructed NOR was the payment credited to my credit card account, which resulted in an alleged late payment. WELLS FARGO BANK representatives failed to credit my account in the amount {$5000.00} as instructed. Their neglect to properly handle my credit ( XXXX ) has caused me financial hardship and financial stress. Their irresponsibility resulted in billing errors uncalled for - which led to late payments being reported to XXXX, XXXX and XXXX, causing me to be denied credit and have other credit card accounts closed due to their misreporting. Furthermore, I never gave WELLS FARGO BANK my written consent nor permissible purpose to make my private financial transaction information known to the public nor to be shared with third parties therefore WELLS FARGO BANK has violated my Right to Privacy and the Privacy Act of XXXX by reporting this information to the three main credit agencies, XXXX, XXXX and XXXX which eventually led to other financial institutions receiving the derogatory and false information. To add, WELLS FARGO BANK did not provide me with all the necessary and required Notices and Disclosures they are supposed to have provided, in regard to the Truth In Lending Act ( TILA ), therefore they are in violation of TILA, and I am supposed to receive all monies collected from the Finance Charge, as well. Included documents in this complaint are the blank Money Order ( receipt ), Tender of Payment for {$5000.00} receipt to Wells Fargo, Letter of Instruction to Wells Fargo, Wells Fargo payment Statement for {$5000.00}, USPS Certified Mail Delivery Receipt, copy of Consumer Report containing derogatory item/ late payment reporting.
Product: Debt collection

They are calling my cell phone and place of work 4-5x a day.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and defective as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The action have caused inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I have been receiving consistent calls of someone portraying to be this company and demanding payment
Product: Debt collection

A company named XXXX XXXX Attorney Law LLC is trying to collect {$200.00} from me, impacting my credit score. Supposedly the debt is in regards to XXXX equipment Ive never purchased any equipment from XXXX and I dont have any current balances with XXXX. I called the company and tried to get any kind of additional information but they mailed their collection bill. Its so frustrating that companies can just manufacture debts out of thin air.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on my report from Capital One which I absolutely did not agree to this needs to be corrected and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is trying to open accounts and credit cards in my name and trying to get loans under my name from bank accounts including XXXX, wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.XXXX no change.i was a victim of the Experian XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.