23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ctc what I thought was Fedloan servicing it was in fact Fedloan service. 
I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX  XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? 
XXXX  XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA
Product: Payday loan, title loan, or personal loan

We financed 2 pieces of equipment with Alliance Financing We were then told our payments go through another Company '' Financial Pacific Leasing '' Everything was fine ( we have auto draw from our bank account ) until we needed to switch our bank On XX/XX/XXXX, I informed XXXX XXXX XXXX that we were changing banks She went me a form to give her the new Account info Then on XX/XX/XXXX, I was informed XXXX doesn't handle that That was when the horror began with " FinPac ' ( Financial Pacific Leasing '' No one could confirm my account I filled out numerous forms, they still said my account did not exist Finally, my bank wrote a letter I was still charges over {$100.00} in late fees ( we have 2 contracts I cant get a statement of my account ( only XXXX XXXX can do that I have requested a statement 6x 's ( in writing ) No supervisor will speak with you I need a monthly statement and a statement of my payments.
Product: Checking or savings account

I was offered an introductory rate to bring XXXX into the bank in my savings account. I moved XXXX to my checking account and then moved it my savings account in the same portfolio that my accounts are all in. I bring new money into the bank to be told I would have a higher interest rate, then told I can not transfer it from my checking account to savings. All my transfers come to my checking accounts from outside banks. How else would the bank want US to bring money in as a wire? So, to me, it's false advertising, getting customers to transfer money and then denying us the promotion on technicalities. I'm a XXXX customer of the bank as well.
Product: Debt collection

The statute that applies to the notice of default and right of redemption or reinstatement for vehicles is XXXX XXXX XXXX XXXX XXXXXXXX. This statute outlines the requirements for notifying the borrower in the event of a default on a vehicle loan. Specifically, it mandates that the notice must be sent by certified mail to the borrower. If a creditor can not prove that the notice of default was sent by certified mail in the case of a vehicle repossession in North Carolina, it can lead to several issues : Repossession Legality : The repossession may be deemed illegal if the creditor can not prove that they followed the proper notification procedures. Borrowers Defense : The borrower can use the lack of proper notice as a defense in court, potentially leading to the repossession being overturned. Damages and Penalties : The creditor might be liable for damages or penalties if the repossession is found to be unlawful due to improper notice. On XX/XX/year> I sent the certified mail XXXX XXXX XXXX XXXX XXXX XXXX to Lendmark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is the address in the attached letter, but never received a response.
Product: Debt collection

I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ] regarding their unlawful debt collection practices. I believe that their actions have violated several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and request your assistance in addressing this matter promptly. 

Details of the complaint : Harassment and Intimidation : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] has engaged in continuous harassment and intimidation tactics while attempting to collect a debt from me. They have repeatedly contacted me via mail, emails, often using aggressive and demeaning language. These actions have caused undue stress and XXXX infringing upon my rights as a consumer. 

Misrepresentation of Debt : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has provided inadequate and misleading information regarding the alleged debt they are attempting to collect. Despite requesting verification of the debt in writing, they have failed to provide any supporting documentation, making it impossible for me to assess the accuracy and legitimacy of the debt. Assess an unlawful judgment against me without providing me with said alleged debt as requested. 

Unauthorized Disclosures : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] has disclosed information about the debt to unauthorized third parties, including my family members and colleagues. Such unauthorized disclosures have violated my privacy rights and potentially damaged my personal and professional relationships. 

Failure to Cease Communication : Despite my explicit request for [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] provide alleged debt as requested, they have now requested an unlawful judgement against me, didn't appear in court and sending false documents to my domicile, along with persistently disregarding my rights under the FDCPA. Their continuous harassment has caused significant distress and interfered with my daily life and obligations. 

I have attempted to resolve these issues directly with [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] but have not received a satisfactory response. Therefore, I kindly request your intervention to investigate this matter thoroughly and take appropriate action against the law firm for their unlawful debt collection practices. I also request that you impose any necessary penalties or sanctions on [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] to prevent further harm to me and other consumers. 

I am willing to provide any additional information or documentation required to assist in the investigation. 

I understand that the Consumer Financial Protection Bureau is committed to protecting consumers from unfair and deceptive practices, and I trust that my complaint will be treated with utmost importance. I kindly request regular updates on the progress of this investigation and the actions taken to resolve this matter. 

Thank you for your attention to this complaint. I look forward to a swift resolution and the enforcement of appropriate measures against [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, or personal loan

There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.
Product: Debt collection

Hello I am making a complaint against two debt collectors & their information can be found below. First the account with the balance of {$520.00} is inaccurate. The past due balance was nowhere near that high, I asked how they came to that balance but the debt collector refused to give me that information. The second account with a balance of {$63.00} was paid in full with the original creditor but the debt collector is still trying to collect on the balance. 

Collection Accounts : Debt Collector Name : AFNI Balance : {$520.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Debt Collector Name : XXXX XXXX XXXX Balance : {$63.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, two withdrawals were made on my Cash App account from the same merchant, XXXX XXXX XXXX XXXX and XXXX XXXX. The first was an ACH in the amount of {$10.00} that was authorized two days prior. The second charge was for {$25.00} that I had not initiated. When I contacted the merchant, they claimed they had no knowledge of the charge and did not find it in their system. They requested a statement which I provided but it did not offer any additional details to aid in their search. The merchant then requested a transaction ID or merchant reference number. I was first told my Cash App support that they did not have access to such numbers. I later received an email with an 8 digit and 7 digit number listed as " trace number '' and " trace number 2 ''. I forwarded these to the merchant, they informed that it was not the correct information. I was under the impression that an ACH trace number was 15 digits. Is that 15 digits each for the sending and receiving bank, or 15 digits total like I received from Cash App? I just need to know if Cash App does in fact have access to the ACH trace number so that the merchant can find my money. Also, is the bank allowed to share a merchant ID number? Is that somewhat like a tax ID number and typically not shared with customers?
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I noticed some inaccurate accounts that I dont recognize. I regularly check my report, but these discrepancies appeared out of nowhere. I attempted to refresh my browser, hoping it was just an error, but the accounts were still there. Because of this, I am requesting that the documents I submitted be carefully examined so I wont have to deal with this concern again.
Product: Checking or savings account

My sister died on XX/XX/2022. The probate court assigned me as personal representative to handle her affairs. The court provided me with written notification of this, and my attorney advised me to open an estate checking account to pay my sister 's final expenses.. I called my sisters bank, USAA, to start this process.

USAA advised me that they did not handle estate accounts. Being that there are no " brick and mortar '' USAA locations, I asked the rep with whom I spoke how to handle this. The rep informed me that they would issue a check directly to me, that I could take to my local bank, or wherever I opened the estate account. The value of my sister 's accounts was rather high, and I did not feel comfortable with a check of that value being in the mail. I asked if we could wire the money, and they said, " no ''. I was told that the only option to transfer the money quickly would be to establish a checking account through USAA in my name, and transfer my late sister 's funds into that account. I was further told that the transfer would be instantaneous if I chose to do that. I opened the checking account in my name as USAA RECOMMENDED. 

Once I opened the checking account ( on or about XX/XX/2022 ), I was then told that it would take 15 business days for the money to transfer from my sister 's account into the new account. When I protested and stated that this was not what I was told originally, I was told by the rep that it was simply USAA 's procedure. 

On or around XX/XX/2022, the money from my sister 's account finally transferred into the newly established checking account that USAA opened in my name. Once this happened, I called USAA to have these funds wired to the estate checking account that I had opened at my local bank. MAY I REITERATE THAT THIS IS THE PROCESS THAT USAA TOLD ME TO DO! This time when I called, the rep with whom I spoke told me that I could not wire the money because my account had not yet been open for 30 days!

My overall complaint is that USAA will find ANY reason they can to not release funds, or delay releasing funds. USAA has clearly failed to understand the simple concept upon which the banking industry was founded ... .A secure place to keep your money and access it when YOU need it. NOT when the bank decides to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.
Product: Credit card

I have XXXX accounts with Wells Fargo. The accounts became difficult to manage with a loss of income. The first account is XXXX XXXX visa XXXX. The second account is XXXX today XXXX. I placed both accounts into consolidated credit to bring them current. The accounts were with consolidated credit counseling for 3 years. In the last year, I became XXXX. I removed the accounts from credit counseling because I could no longer afford to pay the higher amounts. The higher amount were established when the principal balances were higher. Wells Fargo refused to lower the payments to the current balance minimal payment. I had to report the company to consumer federal protection bureau. At this point Wells Fargo decided to correct the minimal payment. They never updated two months of the old minimal payments causing my monthly payments to be higher. I was making payments under the new agreed upon amount but the old {$90.00} payment was showing past due by two months. Wells Fargo never attempted to correct the problem. I called but I paid the new minimal payment amounts. The next notice, I received was a charge off notice. I tried to explain that it was mistake that was never corrected from past representatives but to no avail or correction. I was told the chargeoff would stand and to make arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Trans-union pertaining the XXXX XXXX # XXXX account on my credit report I informed them that this reporting on my credit report was against the FRCA laws XXXX Since I was never notified of this debt or intent of it going to collections which dissolved me of the right to dispute the amount being claimed or pay any debt. I attempted to contact XXXX to no avail and the one account I had with them I have no access to online at all and I have not received any communications regarding this alleged debt. So Transunion should remove this since XXXX has zero proof of properly contacting me regarding this collections item. All trans-union did was supposedly verify the account and put on my credit report that I dispute it. Which is unlawful to the laws of debt reporting and collecting, I want this removed off of my credit and I want to be contacted by XXXX pertaining to this debt. And when I tried to go to Trans-Union again to resubmit the dispute it wont allow me to
Product: Checking or savings account

A direct deposit was deposited into my checking account XX/XX/XXXX, at the same time my account was being closed, along with an outstanding claim. On XX/XX/XXXX my employer contacted me about the direct deposit which prompted me to contact Chase. Because on XX/XX/XXXX I was informed that the direct deposit would be sent back to the issuer. When I spoke to the XXXX on XX/XX/XXXX I was informed yes the check was sent back to my employer as of XX/XX/XXXX. I requested documentation to send to my employer and was directed to a branch. I visited the Chase branch at XXXX XXXX XXXX XXXX XXXX, and was informed that the check was actually sent to my home address. I informed the branch manager I never received it, and he gave me a phone number to call. I called the number and was informed the check was not mailed yet, it would be mailed on XX/XX/XXXX and take ten days. On XX/XX/XXXX I contacted Chase and was now informed that my funds are frozen because the outstanding claim from XXXX has not been resolved and to call back in three to five business days. I have been calling every three to five days being placed on hold for well over an hour each time with no resolution. I have spoken with several supervisors from different departments and no one can find the resolution just finger pointing. Its been over 60 days since this whole ordeal started and Chase is still refusing to release my funds or send me written documentation why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone please help! I have reached out to Transunion multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later onXX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal.
Product: Credit card or prepaid card

I initially requested a refund with merchant CPA several times upon being deceived by them and given a predatory deal/contract. However, they refused to refund my money back to me, which was a refundable and a retainer for the amount of {$25000.00}. 

{$5000.00} of that {$25000.00} was charged on my card and the remaining balance of {$20000.00} was sent out via a cashier 's check to the merchant from me. After numerous failed attempts with the merchant I disputed the charge of {$5000.00} on my credit card to Chase Cardmember Services on 3 occasions between XXXX, XXXX XXXX, 2021 for that portion of my balance ( {$5000.00} ) that was made out to the merchant on my Chase credit card. I also filed a complaint with several other bureaus and news stations that are investigating this matter as well. 

Unfortunately, Chase ruled twice in the favor of the merchant although I supplied the contract showing that the {$25000.00} was a retainer fee that was supposed to be refunded back to me. The merchant supplied a receipt stating that there were no refunds after 3 days but that does not cover the retainer. The retainer is outlined on the contract as a refundable fee that is supposed to be paid back to me. Chase also went as far to inform me after the 2nd dispute that they would also be sending a notice to the credit bureaus to state that this charge was valid. They did not protect me as their client even with substantial proof of the contract outlining the refundable amount of {$25000.00} of the retainer. Instead, they stated that while I may have a valid complaint against the merchant, that the charge was valid. I was never disputing that I placed the charge to begin with. I was only requesting a chargeback/refund through Chase as the merchant refused to issue me a refund.
Product: Credit card

I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX FM XXXX XXXX APT XXXX XXXX, Texas XXXX XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA.

If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report.

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, XXXX XXXX XXXX XXXX